466 50 Business & Finance Personal Finance Budgeting true Mon, 17 Dec 2007 07:00:24 -0800 /system/videos/4/66/04/466.flv DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, live, on, budget, broke, cheap, poor, get, by, spend, less, money, minimum, wage, college, university, student How To Live on a Budget http://www.howcast.com/videos/466-How-To-Live-on-a-Budget http://www.howcast.com/videos/466-How-To-Live-on-a-Budget/edit approved 146 640 480 <object width="425" height="352" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=466"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=466" type="application/x-shockwave-flash" width="425" height="352" allowFullScreen="true" allowScriptAccess="always" ></embed></object> 42 bender http://img.howcast.com/system/thumbnails/466/Business.How_to_Live_on_a_Budget_SD_xxlarge_maintained_aspect.jpg 15500 false false false 12038 1 27 Step http://img.howcast.com/system/thumbnails/466/27.jpg Add up income Add up all your income.

]]> 12039 2 36 Step http://img.howcast.com/system/thumbnails/466/36.jpg Divide by months it took to earn Divide the total by the number of months it took you to earn it. The result is your monthly income.

]]> 12040 3 44 Step http://img.howcast.com/system/thumbnails/466/44.jpg Add up monthly expenses Add up your essential monthly expenses, like food, rent, transportation, and personal necessities.

]]> 12041 4 56 Step http://img.howcast.com/system/thumbnails/466/56.jpg Add up nonessential spending Next add up your nonessential monthly spending.

]]> 12042 5 66 Step http://img.howcast.com/system/thumbnails/466/66.jpg Add up expenses Now add up your expenses, and pray the total is lower than your monthly income. If your expenses exceed your income, you’ll need to cut back on nonessential items.

]]> 12043 6 79 Step http://img.howcast.com/system/thumbnails/466/79.jpg Stick to numbers Once your numbers are set, stick to them! Discipline is the key to living on a budget.

]]> 12044 7 86 Tip Try to set aside a small portion of your income on a regular basis—make sure to deposit it in a secure savings institution.

]]> 12045 8 93 Step http://img.howcast.com/system/thumbnails/466/93.jpg Take public transportation or carpool Take public transportation, or carpool with friends to save on gas. Walking is free, and it’s great exercise!

]]> 12046 9 104 Step http://img.howcast.com/system/thumbnails/466/104.jpg Be frugal Be frugal. Stop buying brand name clothes and fancy foods. Stop drinking lattes. Don’t order takeout.

]]> 12047 10 114 Tip Instead of buying napkins, wipe your mouth on your sleeve.

]]> 12048 11 118 Step http://img.howcast.com/system/thumbnails/466/118.jpg Buy secondhand Buy anything you can secondhand. Thrift stores often sell household goods and perfectly good used clothing.

]]> 12049 12 135 Fact According to the Department of Education, more than 80% of undergrads have at least one credit card, and nearly 50% have four or more.

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