- Limit yourself to an allowance for ‘fun’ – say $15 per week; you then have the choice to a burger on Friday night, or wait two weeks and buy a CD.
- Write EVERY purchase down so that you keep track of the running total and be aware of how much you are spending each day, week, and month.
Second, list all the ways you should have worked better (not more, but better) such as attending all classes and tutorials, working on assignments with a classmates, reading the textbook ahead of time, borrowing an alternate textbook from the library, etc.
- Buying second-hand textbooks instead of new ones (and selling the old ones),
- Using the municipal library to borrow books instead of buying them or downloading them on your e-reader (cheap, but not free)
- Attending free movie night on campus instead of paying the big bucks to see new releases
- Having a beer at home before going out to limit bar alcohol purchases
- Inviting friends over for a BBQ instead of going out on Friday night
- Attending campus events to reduce the cost of entertainment
- Traveling by bus instead of taxiing to the local mall
Five, list at least three personal goals that you want to achieve before the end of the next semester, such as:
- A personal knowledge goal like joining the Spanish club to learn a few sentences in Spanish, learning ballroom dancing, or taking a philosophy class or another class outside your major
- A personal mental health goal like starting to meditate, attending seminars to learn to manage stress better, or talking to a counsellor about your worries and personal conflicts
- A personal social challenge such as overcoming your shyness at least three times to attend parties or functions you normally would not, or starting a conversation with that attractive classmate of yours.