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Team C. Barry Owens, Brian Hare, Matt Ferry, Nelson Torres, Shante Lee .

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Presentation Transcript
team c

Team C

Barry Owens, Brian Hare, Matt Ferry, Nelson Torres, Shante Lee

slide2

Present state: Students who move out of their parents home out on their own do not understand how to budget their money effectively. This can cause students to work too many hours and have a negative impact on their school work

Desired State: Before moving out of their parent's home, State University provides students and their parents with a model budget plan to manage their finances. As a result of this plan, students can work a reasonable number of hours and achieve academic success.

food and groceries
Food and Groceries

Needed Budget Item

Budget Amount: $175

Maintain a healthy lifestyle

personal hygiene and fitness
Personal Hygiene and Fitness

Needed Budget Item

Budget Amount: $80

Maintain Personal Appearance and Health

transportation
Transportation

Needed Budget Item

Budget Amount: $65

Ability to get around,

Walking distance has a limit

school supplies
School Supplies

Needed Budget Item

Budget Amount: $16.50

Maintain supplies required for classes

laundry
Laundry

Needed Budget Item

Budget Amount: $13.50

Clean clothes are important

household items
Household Items

Needed Budget Item

Budget Amount: $20

Cleaning supplies to maintain living conditions

cell phone
Cell Phone

Wanted Budget Item

Budget Amount: $80

Stay in touch with family and friends

clothes
Clothes

Wanted Budget Item

Budget Amount: $40

Replace Damaged or worn out articles

To maintain personal appearance

entertainment
Entertainment

Wanted Budget Item

Budget Amount: $35

Stress Relieve, and Social Life

emergency
Emergency

Wanted Budget Item

Budget Amount: $25

Plan for the unexpected

interest rates
Interest Rates
  • Every student should be wary of credit card interest rates. Especially the introductory ‘teaser’ rates(Fit, 2010).
  • Don’t be too hasty to get a charge card from a private retailer because these rates tend to be the highest(Gro, 2006).
credit reports
Credit Reports
  • The Major Credit Reporting Agencies: Equifax, Experian and TransUnion
  • It is important to check your credit report because 70% of reports have errors (Cla, 2011)
money management
Money Management
  • It’s important to keep your receipts or to write down what you spend.
  • This makes it easier to balance your books at the end of the month (Loe, 98).
references
References
  • Fitzgerald, K. (2010). Consumers at risk from soaring private-label credit card rates, lawmaker says. CardLine, 10(48), p. 2. Retrieved January 16, 2011, from EBSCOhost.
  • Gross, Karen (05/08/2006). Money sense credit reports and credit score In hiring decision: is it a good idea? Fairfield county business journal, p.7 Print. (01/23/10) from EBSCOhost database.
  • Claude, S. (n.d). Taking charge of your credit score. Long Island Business News (Ronkonkoma, NY), Retrieved January 16, 2011, from EBSCOhost.
  • Loeb, M. (1998). Creating a personal budget you can live with. Business News New Jersey , Vol. 11 (Issue 9), pg. 16. Retrieved from EBSCOhost.
summary
Summary

In conclusion If college students learn how to budget

their money before leaving home they will be far

better off on campus.

Thank you all for watching our presentation!