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A Penny Saved.....
Become Consumer Savvy! Today most high school and college students are earning money. You have more disposable income than than the generations before you. And you can bet you are spending a lot more money and spending it a lot faster! But all too often your spending exceeds your income, and the harsh reality of adulthood arrives early.
So, what can you do about it?
Start by creating a budget. Your budget shouldn't be complicated. Get started today
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Itemize your regular monthly expenses
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List all of your income (part time job, student loans and allowance)
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Subtract your expenses from income
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Do you have a negative or a positive balance?
If your balance was negative, trim down some of your expenses or substitute higher cost items and activities with less expensive ones.
Texas Mortgage
Bankers Association
823 Congress Ave., Ste. 220
Austin, Texas 78701
512.480.8622 p
512.480.8621 f
