Money Management for College Students Watertown NY

If you're like most people, you probably made some New Year's resolutions. These resolutions typically include physical, mental, and spiritual improvement. Some common resolutions include losing 10 pounds, eating better, going to church, etc.

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Key Bank
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M&T Bank - Watertown Financial Center Branch
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If you're like most people, you probably made some New Year's resolutions. These resolutions typically include physical, mental, and spiritual improvement. Some common resolutions include losing 10 pounds, eating better, going to church, etc.

Not many people resolve to reduce their taxes; save $3,000 for retirement; and begin a college fund for their children, but we shouldn't forget about financial fitness in our New Year's resolutions. The following are some financial aspects that people should consider improving in 2004;

Budget/Save Money- The first budget consideration for individuals is to be organized and accurate. Various methods can be used. It may be necessary to experiment until finding a method that you can follow consistently. Software programs are one option. Simply writing down income and expenses is another method.

Ideally, expenses should be tracked and should never exceed income in any one period. Budgets should be realistic and easy to follow. Budget busters will happen, so plan for them. Establish a fund that is available when you need to pay insurance deductibles, fix appliances, respond to emergencies, make house repairs, etc. Here are some tips to follow:

  • Go without when feasible
  • Reuse items
  • Reduce unnecessary expenses
  • Refinance/Consolidate high interest debt
  • Shop around.

The Internet is a great way to find money saving opportunities and to obtain budgeting help. After finances are organized, many people realize more money is available than expected. If expenses are reduced, additional dollars will be available to pay down debt or to save for the future....


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