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Saving money for next semester's tuition
I posted on here a couple weeks ago about how I suddenly found out I owed my school $487 and was trying to figure out which payment plan I should sign up for. I decided to go for the monthly payments ($121.75 till it's paid off). I won't be done with the payments until November. I work part-time all year round, so I knew I'd be able to pay off the debt and continue with my bills. But money is going to be really tight. And if I have an emergency of any sort (car, pet, me) I'm screwed. So I was hoping I could get help coming up with a budget.
Here are my current monthly bills:
-$12 Pet insurance
-$85 phone bill
-$121.75 tuition payment
-$50 car insurance
That all adds up to $268.75, we can just round it up to $269. But that doesn't include toiletries, gas, rabbit supplies (food, bedding, etc) and entertainment. Right now I don't drive much (I work right around the corner from where I live so I typically walk), I only spend $10 a week for gas. But when school starts I figure that'll jump up to $20-25 a week (only a 10 minute drive).
To help myself out with the financial burden (and I'm always worried about emergencies) I decided to get a second job. I'll be taking notes for special needs students at the college I go to. It'll give me an extra $200 or so a month. So that, along with my other job ($275 a paycheck, $570 a month), my income will be around $770 a month. I was thinking of tossing all the money from the second job into a separate bank account to save it all for next semester's tuition
There's still some major expenses I have to worry about; books, fix the side-view mirror on my car, fix my phone screen and buy a new screen protector. I have no clue how much the books will cost, I'm hoping I can buy most of them used online for cheap, I don't even know what books I need yet. I need a new side-view mirror, should cost me around $50. I need to get my phone screen fixed soon, it's just getting worse and worse. I have a couple different options for this. My phone provider will replace the entire phone for $200. A phone screen repair place will fix just the screen for $165, and Apple will supposedly fix the screen for $105, but I'm not sure if that's just for AppleCare customers or what?
The phone I had before this, the screen cracked so I went to a cheap place to get it fixed but then I had software issues after that. So I'm kinda leaning towards going to my phone provider, because I'll have a brand new phone. That is, if I can afford it. Also when I got my previous phone fixed by a 3rd party, the software issues started and I could hardly use the phone. I tried to take it back to my phone provider to get a replacement but they wouldn't take it because I voided the warranty by taking it elsewhere to get fixed.
Okay, sorry I'm rambling. So my expenses, income and all is provided. Can anyone help me with coming up with a budget plan so I can survive this school year? Also, my family is going on a cruise in May '16, one ticket would cost me $1500. If it's possible do you think I'd be able to save up for that or no? Thanks!
Here are my current monthly bills:
-$12 Pet insurance
-$85 phone bill
-$121.75 tuition payment
-$50 car insurance
That all adds up to $268.75, we can just round it up to $269. But that doesn't include toiletries, gas, rabbit supplies (food, bedding, etc) and entertainment. Right now I don't drive much (I work right around the corner from where I live so I typically walk), I only spend $10 a week for gas. But when school starts I figure that'll jump up to $20-25 a week (only a 10 minute drive).
To help myself out with the financial burden (and I'm always worried about emergencies) I decided to get a second job. I'll be taking notes for special needs students at the college I go to. It'll give me an extra $200 or so a month. So that, along with my other job ($275 a paycheck, $570 a month), my income will be around $770 a month. I was thinking of tossing all the money from the second job into a separate bank account to save it all for next semester's tuition
There's still some major expenses I have to worry about; books, fix the side-view mirror on my car, fix my phone screen and buy a new screen protector. I have no clue how much the books will cost, I'm hoping I can buy most of them used online for cheap, I don't even know what books I need yet. I need a new side-view mirror, should cost me around $50. I need to get my phone screen fixed soon, it's just getting worse and worse. I have a couple different options for this. My phone provider will replace the entire phone for $200. A phone screen repair place will fix just the screen for $165, and Apple will supposedly fix the screen for $105, but I'm not sure if that's just for AppleCare customers or what?
The phone I had before this, the screen cracked so I went to a cheap place to get it fixed but then I had software issues after that. So I'm kinda leaning towards going to my phone provider, because I'll have a brand new phone. That is, if I can afford it. Also when I got my previous phone fixed by a 3rd party, the software issues started and I could hardly use the phone. I tried to take it back to my phone provider to get a replacement but they wouldn't take it because I voided the warranty by taking it elsewhere to get fixed.
Okay, sorry I'm rambling. So my expenses, income and all is provided. Can anyone help me with coming up with a budget plan so I can survive this school year? Also, my family is going on a cruise in May '16, one ticket would cost me $1500. If it's possible do you think I'd be able to save up for that or no? Thanks!
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