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Graduation brings with it big changes. Whether you plan to join the workforce or head to graduate school, these pages will help you transition to life after Clark.
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Budgeting
Income and Benefits | Budgeting | Debt | Apartments | Relocating | Resources
Making a list of all your possible expenses
will help you budget successfully and hopefully allow for some savings each
month. Putting even a small amount away into savings will add up and give you
a sense of security. A good goal is to have two months of salary in savings
so that if you lose your job you can continue to pay your bills until you are
employed again.
Use actual bills or estimate your expenses in the
following areas:
|
Expenses |
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Expense |
Amount |
Description |
| Rent: |
$ |
Rent sometimes includes heat and
utilities. |
|
Electricity: |
$ |
Remember to budget higher amounts for heating and electricity during winter
months. |
|
Heat: |
$ |
| Phone: |
$ |
Also, a cell phone if you have one. |
|
Insurance: |
$ |
Auto insurance,
renter's insurance, and life/health insurance costs. |
| Groceries: |
$ |
Food and non-food items such as
cleaning supplies and paper products. |
| Car
Payment: |
$ |
|
| Credit Cards: |
$ |
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Student Loans: |
$ |
|
| Savings: |
$ |
Emergency savings account plus
retirement savings. |
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Laundry/Dry Cleaning: |
$ |
|
| Transportation: |
$ |
Registrations and inspections on
vehicles, gasoline, tolls, parking fees. |
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Clothing: |
$ |
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| Personal Care: |
$ |
Hair cuts, manicures, etc. |
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Cable/Internet Access: |
$ |
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| Entertainment: |
$ |
Dining out, going to the movies,
etc. |
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Tools and Resources
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