If you find you spend more than you make, there are only two things to do: decrease your spending or{{U}} (1) {{/U}}. It's often easiest to decrease expenditures, because your expenses tend to be more{{U}} (2) {{/U}}. There are as many ways to{{U}} (3) {{/U}}as there are people looking to save it. For example, you may pool your resources with friends, or{{U}} (4) {{/U}}only during sales, or even live more simply. But{{U}} (5) {{/U}}that saving money should not necessarily be an end in itself. Don't{{U}} (6) {{/U}}of ways to save a dime, and don't get upset about situations where{{U}} (7) {{/U}}to spend money. The goal is to bring your budget into balance, not to become a tightwad who keeps{{U}} (8) {{/U}}of every penny and feels that spending money is a{{U}} (9) {{/U}}. It is important to remember that budgets may be{{U}} (10) {{/U}}not only by decreasing expenditures, but also by increasing income.{{U}} (11) {{/U}}to increase income is to get a{{U}} (12) {{/U}}if you don't already have one.
Many students work during college. Although working adds to the{{U}} (13) {{/U}}you will face, it does not mean that your grades will necessarily suffer. In fact, many students who work{{U}} (14) {{/U}}than those who don't work, because those with jobs need to be{{U}} (15) {{/U}}. Considering part-time work is often a better{{U}} (16) {{/U}}for dealing with budget shortfalls, than taking out a loan. Because student loans are{{U}} (17) {{/U}}, it's easy to use them as a crutch. Loans can be of help{{U}} (18) {{/U}}or if you couldn't afford to attend a college without them. If you do{{U}} (19) {{/U}}, remind yourself: one day soon you'll have to{{U}} (20) {{/U}}with interest.