Preview Chapter Three:

A budget doesn’t have to be complicated. In fact, the simpler it is, the more likely you’ll stick to it. This section walks you through:

• A step-by-step guide to creating a budget that works for students
• How to track your expenses without feeling overwhelmed
• The biggest budgeting mistakes students make—and how to avoid them

Your savings rate is one of the most important indicators of financial health. It determines how fast you can build an emergency fund, pay off debt, or even start investing. In this section, you’ll learn:

• How to calculate your savings rate and why it matters
• Realistic savings goals for students—even with a tight budget
• Small but powerful ways to increase your savings without feeling deprived

When you master budgeting, you’ll feel more in control, less stressed, and free to enjoy your student life—without constantly worrying about money.