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Step 1 - Set Goals
My Goals$ NeededBy (Date)How I'll Reach My Goal
Example: Goal -To pay tuition and fees at registration$ ____________I will get ___from grant +____ from loan + ___from parents = ____ Total Amt.
___________________________ < /td > < td > _____ < /td > < td > < /td > < /tr > < tr > < td > ____________________ < /td > < td > ____________
____________________$ ____________
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], "text": "By (Date)", "html_text": "By (Date)", "links": [], "cell_header_index": 2, "rowspan": 1, "colspan": 1, "column_header": true, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 432.06, 615.44, 566.4, 630.64 ], "text": "How I'll Reach My Goal", "html_text": "How I'll Reach My Goal", "links": [], "cell_header_index": 3, "rowspan": 1, "colspan": 1, "column_header": true, "row_header": false, "placeholder": false, "ref": "#/tables/0" } ], "ref": "#/tables/0" }, { "row_index": 2, "location": [ 29.04, 600.24, 566.4, 615.44 ], "cells": [ { "location": [ 29.04, 600.24, 163.38, 615.44 ], "text": "Example: Goal -To pay tuition and fees at registration", "html_text": "Example: Goal -To pay tuition and fees at registration", "links": [], "cell_header_index": 0, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 163.38, 600.24, 297.72, 615.44 ], "text": "$ _______", "html_text": "$ _______", "links": [], "cell_header_index": 1, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 297.72, 600.24, 432.06, 615.44 ], "text": "_____", "html_text": "_____", "links": [], "cell_header_index": 2, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 432.06, 600.24, 566.4, 615.44 ], "text": "I will get ___from grant +____ from loan + ___from parents = ____ Total Amt.", "html_text": "I will get ___from grant +____ from loan + ___from parents = ____ Total Amt.", "links": [], "cell_header_index": 3, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" } ], "ref": "#/tables/0" }, { "row_index": 3, "location": [ 29.04, 585.04, 566.4, 600.24 ], "cells": [ { "location": [ 29.04, 585.04, 163.38, 600.24 ], "text": "____________________", "html_text": "____________________", "links": [], "cell_header_index": 0, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 163.38, 585.04, 297.72, 600.24 ], "text": "$ _______", "html_text": "$ _______", "links": [], "cell_header_index": 1, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 297.72, 585.04, 432.06, 600.24 ], "text": "_____", "html_text": "_____", "links": [], "cell_header_index": 2, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 432.06, 585.04, 566.4, 600.24 ], "text": "", "html_text": "", "links": [], "cell_header_index": 3, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" } ], "ref": "#/tables/0" }, { "row_index": 4, "location": [ 29.04, 569.84, 566.4, 585.04 ], "cells": [ { "location": [ 29.04, 569.84, 163.38, 585.04 ], "text": "____________________", "html_text": "____________________", "links": [], "cell_header_index": 0, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 163.38, 569.84, 297.72, 585.04 ], "text": "$ _______", "html_text": "$ _______", "links": [], "cell_header_index": 1, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 297.72, 569.84, 432.06, 585.04 ], "text": "_____", "html_text": "_____", "links": [], "cell_header_index": 2, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 432.06, 569.84, 566.4, 585.04 ], "text": "", "html_text": "", "links": [], "cell_header_index": 3, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" } ], "ref": "#/tables/0" }, { "row_index": 5, "location": [ 29.04, 554.64, 566.4, 569.84 ], "cells": [ { "location": [ 29.04, 554.64, 163.38, 569.84 ], "text": "____________________", "html_text": "____________________", "links": [], "cell_header_index": 0, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 163.38, 554.64, 297.72, 569.84 ], "text": "$ _______", "html_text": "$ _______", "links": [], "cell_header_index": 1, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 297.72, 554.64, 432.06, 569.84 ], "text": "_____", "html_text": "_____", "links": [], "cell_header_index": 2, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" }, { "location": [ 432.06, 554.64, 566.4, 569.84 ], "text": "", "html_text": "", "links": [], "cell_header_index": 3, "rowspan": 1, "colspan": 1, "column_header": false, "row_header": false, "placeholder": false, "ref": "#/tables/0" } ], "ref": "#/tables/0" } ], "n_rows": 6, "n_cols": 4, "ref": "#/tables/0", "reading_order": 3 }, { "page": 1, "type": "TITLE", "location": { "l": 29.76, "t": 544.08, "r": 161.28, "b": 529.92 }, "text": "Step 2 - Total Income", "reading_order": 4, "level": 2 }, { "page": 1, "type": "TEXT", "location": { "l": 30, "t": 528.24, "r": 292.08, "b": 516 }, "text": "Income for the Month of _____ Amount", "reading_order": 5 }, { "page": 1, "type": "TEXT", "location": { "l": 31.2, "t": 514.8, "r": 209.28, "b": 494.88 }, "text": "Financial aid* (grants, loans, scholarships) paid directly to you", "reading_order": 6 }, { "page": 1, "type": "TEXT", "location": { "l": 30.48, "t": 492.96, "r": 291.36, "b": 479.76 }, "text": "● After tax wages from job/work study _____", "reading_order": 7 }, { "page": 1, "type": "TEXT", "location": { "l": 30.48, "t": 478.56, "r": 292.08, "b": 465.84 }, "text": "● Financial help from Family ___", "reading_order": 8 }, { "page": 1, "type": "TEXT", "location": { "l": 30.24, "t": 464.64, "r": 291.84, "b": 451.92 }, "text": "● Withdrawal from Savings ___", "reading_order": 9 }, { "page": 1, "type": "TEXT", "location": { "l": 30.72, "t": 448.56, "r": 291.84, "b": 423.84 }, "text": "● Other (child support, public assistance, gifts, etc.) +___\nTotal Monthly Income = ___", "reading_order": 10 }, { "page": 1, "type": "TEXT", "location": { "l": 30.72, "t": 416.88, "r": 293.76, "b": 388.32 }, "text": "*If financial aid paid directly to you is for more than 1 month, divide the amt. of money by the # of months you plan to use the money (for example: 5 months that are in the semester).", "reading_order": 11 }, { "page": 1, "type": "TITLE", "location": { "l": 30.48, "t": 367.68, "r": 227.04, "b": 353.76 }, "text": "Step 3 - Total Monthly Expenses", "reading_order": 12, "level": 2 }, { "page": 1, "type": "TITLE", "location": { "l": 30.24, "t": 352.56, "r": 178.08, "b": 341.28 }, "text": "Monthly Expense Worksheet", "reading_order": 13, "level": 3 }, { "page": 1, "type": "TEXT", "location": { "l": 30.24, "t": 340.8, "r": 297.36, "b": 317.76 }, "text": "(your expenses may be different each month and will depend on your situation)", "reading_order": 14 }, { "page": 1, "type": "TEXT", "location": { "l": 310.8, "t": 541.92, "r": 572.64, "b": 517.2 }, "text": "● CD's, DVD's, etc. ___\n● Savings ___", "reading_order": 15 }, { "page": 1, "type": "TITLE", "location": { "l": 311.28, "t": 510, "r": 522.48, "b": 496.32 }, "text": "Other Expenses Some Students Will Have", "reading_order": 16, "level": 2 }, { "page": 1, "type": "TEXT", "location": { "l": 311.76, "t": 493.44, "r": 573.12, "b": 469.92 }, "text": "● Tuition & fees\nyou are responsible for paying _____", "reading_order": 17 }, { "page": 1, "type": "TEXT", "location": { "l": 311.28, "t": 468.24, "r": 573.36, "b": 454.56 }, "text": "● Rent, mortgage, or dorm room ____", "reading_order": 18 }, { "page": 1, "type": "TEXT", "location": { "l": 311.28, "t": 453.6, "r": 573.36, "b": 439.68 }, "text": "● Food, groceries, and/or meal plan _____", "reading_order": 19 }, { "page": 1, "type": "TEXT", "location": { "l": 310.8, "t": 438.48, "r": 573.12, "b": 425.28 }, "text": "● Utilities - Heat, electricity, water ___", "reading_order": 20 }, { "page": 1, "type": "TEXT", "location": { "l": 310.56, "t": 422.88, "r": 573.36, "b": 410.16 }, "text": "● Telephone ___", "reading_order": 21 }, { "page": 1, "type": "TEXT", "location": { "l": 311.04, "t": 407.76, "r": 572.88, "b": 395.52 }, "text": "● Cable TV ___", "reading_order": 22 }, { "page": 1, "type": "TEXT", "location": { "l": 310.8, "t": 393.36, "r": 572.88, "b": 379.68 }, "text": "● Transportation - car payment, gas, oil ___", "reading_order": 23 }, { "page": 1, "type": "TEXT", "location": { "l": 311.04, "t": 377.76, "r": 573.12, "b": 365.04 }, "text": "● Trips home/vacation ___", "reading_order": 24 }, { "page": 1, "type": "TEXT", "location": { "l": 311.04, "t": 362.88, "r": 463.92, "b": 350.16 }, "text": "● Insurance - car, health, renter's, life", "reading_order": 25 }, { "page": 1, "type": "TEXT", "location": { "l": 310.8, "t": 348.96, "r": 572.4, "b": 335.76 }, "text": "● Child care _____", "reading_order": 26 }, { "page": 1, "type": "TEXT", "location": { "l": 33.12, "t": 338.16, "r": 570.96, "b": 318.96 }, "text": "Loans/credit card payments", "reading_order": 27 }, { "page": 1, "type": "TEXT", "location": { "l": 247.44, "t": 318.24, "r": 572.88, "b": 305.28 }, "text": "Amount ● Donations/Contributions/Church ___", "reading_order": 28 }, { "page": 1, "type": "TEXT", "location": { "l": 30, "t": 302.16, "r": 291.36, "b": 290.4 }, "text": "● Books", "reading_order": 29 }, { "page": 1, "type": "TEXT", "location": { "l": 29.76, "t": 287.28, "r": 291.36, "b": 275.28 }, "text": "● School Supplies ___", "reading_order": 30 }, { "page": 1, "type": "TEXT", "location": { "l": 30.48, "t": 273.12, "r": 175.68, "b": 260.16 }, "text": "Clothes, shoes, accessories", "reading_order": 31 }, { "page": 1, "type": "TEXT", "location": { "l": 311.04, "t": 302.88, "r": 572.4, "b": 289.92 }, "text": "● Other - list _____ _____", "reading_order": 32 }, { "page": 1, "type": "TEXT", "location": { "l": 310.8, "t": 286.8, "r": 571.44, "b": 275.52 }, "text": "● _____", "reading_order": 33 }, { "page": 1, "type": "TEXT", "location": { "l": 505.44, "t": 286.8, "r": 572.88, "b": 274.56 }, "text": "___", "reading_order": 34 }, { "page": 1, "type": "TEXT", "location": { "l": 31.92, "t": 273.12, "r": 570.48, "b": 259.92 }, "text": "___ + ___", "reading_order": 35 }, { "page": 1, "type": "TEXT", "location": { "l": 223.92, "t": 270.96, "r": 292.32, "b": 259.92 }, "text": "___", "reading_order": 36 }, { "page": 1, "type": "TEXT", "location": { "l": 30, "t": 258, "r": 184.56, "b": 244.8 }, "text": "● Haircare, make-up, toiletries", "reading_order": 37 }, { "page": 1, "type": "TEXT", "location": { "l": 223.68, "t": 255.84, "r": 291.6, "b": 244.8 }, "text": "___", "reading_order": 38 }, { "page": 1, "type": "TEXT", "location": { "l": 30, "t": 241.44, "r": 291.84, "b": 230.16 }, "text": "Hobbies\nRent, mortgage, or dorm room", "reading_order": 39 }, { "page": 1, "type": "TEXT", "location": { "l": 28.32, "t": 225.36, "r": 291.12, "b": 214.32 }, "text": "● Cell phone", "reading_order": 40 }, { "page": 1, "type": "TEXT", "location": { "l": 29.04, "t": 211.44, "r": 291.12, "b": 200.16 }, "text": "● Food - other than campus meal plan\n● Transportation - car payment, gas, oil", "reading_order": 41 }, { "page": 1, "type": "TEXT", "location": { "l": 30.96, "t": 197.52, "r": 181.44, "b": 176.64 }, "text": "● Entertainment - movies, concerts, sporting events", "reading_order": 42 }, { "page": 1, "type": "TEXT", "location": { "l": 224.16, "t": 196.56, "r": 291.6, "b": 185.28 }, "text": "___", "reading_order": 43 }, { "page": 1, "type": "TEXT", "location": { "l": 31.44, "t": 174.24, "r": 286.08, "b": 159.84 }, "text": "● Electronics\n● Trips home/vacation", "reading_order": 44 }, { "page": 1, "type": "TITLE", "location": { "l": 28.56, "t": 147.12, "r": 288, "b": 133.2 }, "text": "Step 5 - Adjust Your Income and Expenses", "reading_order": 45, "level": 2 }, { "page": 1, "type": "TEXT", "location": { "l": 311.28, "t": 271.68, "r": 570.96, "b": 243.6 }, "text": "● ___ + ___\nTotal Expenses = ___", "reading_order": 46 }, { "page": 1, "type": "TITLE", "location": { "l": 311.04, "t": 236.4, "r": 551.52, "b": 221.28 }, "text": "Step 4 - Compare Income and Expenses", "reading_order": 47, "level": 2 }, { "page": 1, "type": "TEXT", "location": { "l": 311.04, "t": 218.88, "r": 572.88, "b": 205.92 }, "text": "● Write down total monthly income _____", "reading_order": 48 }, { "page": 1, "type": "TEXT", "location": { "l": 311.52, "t": 203.76, "r": 572.88, "b": 176.16 }, "text": "● Write down\ntotal monthly expenses minus _____", "reading_order": 49 }, { "page": 1, "type": "TEXT", "location": { "l": 311.52, "t": 174, "r": 573.12, "b": 160.56 }, "text": "● Subtract expenses from income = _____", "reading_order": 50 }, { "page": 1, "type": "TEXT", "location": { "l": 27.84, "t": 132.72, "r": 574.32, "b": 97.44 }, "text": "Subtract your expenses from your income. If there is money left congratulations! Think about saving some or all of the money that is left. If no money is left, look for ways to cut your expenses or find ways to increase your income. If your plan does not work the first time, KEEP TRYING UNTIL YOUR PLAN WORKS! You will develop Money Power!", "reading_order": 51 }, { "page": 1, "type": "FIGURE", "location": { "l": 30.96, "t": 84.24, "r": 75.84, "b": 37.92 }, "text": "", "reading_order": 52 }, { "page": 1, "type": "TEXT", "location": { "l": 81.12, "t": 85.68, "r": 533.76, "b": 62.16 }, "text": "Developed by Joanne Bankston, Ph.D., State Extension Specialist for Family Economics and Management, Cooperative Extension Program, Kentucky State University, Frankfort, KY. 8/07.", "reading_order": 53 }, { "page": 1, "type": "TEXT", "location": { "l": 82.32, "t": 57.36, "r": 576.24, "b": 32.64 }, "text": "Educational programs of Kentucky State Cooperative Extension serve all people regardless of race, color, age, sex, religion, disability, or national origin.", "reading_order": 54 } ] } ]