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Saving Your Cash.

      So, now that we can generally understand why and how to make a budget. We need to look into why budgeting can grow savings. Most college students (roughly 53% according to studyfinds.org) have a savings account with money in it. Just over half of college students have a savings account with any money, which is horrendously low. So, why not save?     According to studyfinds.org, graduate students spend lots of their money on material things such as clothes, trips, and hobbies. About 52% of graduate students spend money on clothes, 48% spend money on hobbies, and 44% spend money on trips. This keep in mind, is on a regular basis, every two weeks, so, why not save money. What if we saved?     Saving money is important for the what if negative expenses that you don't expect. Roughly 69 million vehicle breakdowns happen every year. That's some hefty cash you are shelling out, and if you don't save, where's that money coming from? Mom, Dad, your payche...
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Budgeting Applications

      Alright, So today, I'm going to talk about applications. It's not my favorite thing to do, but all of the apps I'm going to state are great tools if you feel like you need help budgeting, and you don't really want to make a complicated budget for yourself. So, let's get started.      The first app I'd like to talk about is Rocket Money. With Rocket Money, you can do a myriad of things including budgeting, increasing credit score, getting rid of or lower bills, etc... Out of the apps I'm going to mention, it's definitely the most use friendly, and it takes a ton of banking applications and connects directly to your bank account. Now, while it is the most user friendly, I think it's the most user scary as you have to put in your bank account info through a third party application inside the app. So, If you want very easy, quick, and functional banking help, this would be a great option. However, if you fear identity crisis and fraud. It'd be ...
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How To Make A Basic Budget

      Hello again, Day 2 of Budgeting. I Know, Super Exciting. So, Today I Plan On Teaching Yall On How To Make A Basic Budget. With This Being Said, Let's Begin.      Generally, When Making A Budget , Use An Application Like Excel Or Sheets. Warning, Not The Restaurant. Build A Diagram Of The Bills You Have In The Month, and All Of The Daily, Expenses That You'd Do On A Usual Basis. For Example, Restaurants, Entertainment, Shopping, Hygiene, Etc.... After You Have A Diagram Of What You Spend. Determine A Guess Of What You Make Every Paycheck. And, Then Make A Plan. Below Will Be A Basic Example Of A Basic Budget That You Can Download And Use For Yourself. Again, This Is Super Basic, And A Lot More Can Be Do ne To Make A Super Effective Budget. Also, Reply If The Link Doesn't Work, I'll Fix It. With All This Being Said, I'm Done For Today, Tomorrow I Will Talk About Applications That Can Make Budgets For You So You Don't Have To Do The Beginn...
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Why Is Budgeting Important?

      So, for the next week I am going to explain budgeting. I'm fully aware of the excitement you are feeling right now. So, before I can answer the question stated above, I need to explain what budgeting is. Budgeting is the act of keeping and putting your money in pockets and in predetermined places to keep track of spending. It's a great tool to use as a college student. For me personally, I have a set limit that I can spend per week, and I make decisions based on how much I want to spend. But, let's excuse my experiences and understand why it's important.      Budgeting keeps people in check and helps give an understanding of where their money goes. If you buy say a five dollar Starbucks coffee everyday, love to buy clothes, and overdrafts their bank account twice a month, why not change your habits and start budgeting. With a budget, you can acquire some savings, no longer need to borrow huge lump sums of money from friends and family, and if don...
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