Britta

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aleMY FINANCIAL FUTURE

Created by: Brittany Hale ITEC 1301 Section 9855

Instructor: Natalia Fofanova

University of Houston

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CONTENT About Me My Financial History How to Prepare Avoiding Credit Card Debt Best Way to Pay Ways to Pay for College My College Funding My Financial Future Ways to Save Helpful Websites Collage Credits Finale

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ABOUT ME

My name is Brittany Hale and I am junior at the University of Houston. I am studying Consumer Science and Merchandising.

I enjoy shopping, reading, traveling, my dog, and spending time with my friends.

Go Coogs! This is

me!

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MY FINANCIAL HISTORY

I have always tried to be financially responsible since I was a young kid. I would always save my money as much as possible.

When I was old enough I opened a checking and savings account, so I could get a head start.

Although, I work and make money, I still try to save as much as possible. I want to be able to pay off my student loans easily.

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HOW TO PREPARE It’s never too early to begin saving. As soon

as I was able I set up my first savings account.

The best way to really save is to have the money automatically taken from your pay check and put into savings. That way it never feels like you’re losing anything.

Roll over or click to play.

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AVOIDING CREDIT CARD DEBT

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This video contains valuable information regarding student credit card debt. Click here.

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BEST WAY TO PAY

• The best way to avoid debt is to only buy things you can actually afford.• If possible only pay for things with cash. This

way you avoid any fees from banks or credit companies.

This is a silly picture of me playing with some cash.

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WAYS TO PAY FOR COLLEGE

Scholarships •See what kind of scholarships your school has to offer.•Use scholarship finding websites.

Federal Aid •Always fill out a FAFSA! It enables you to receive free aid from the government.•The government gives out billions of dollars in financial aid. Don’t miss out!

Loans •Do your research. Make sure to find the lender with the best rates.•Look for loans with special incentives. Such as saving money just by graduating.

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MY COLLEGE FUNDING

My first two years I was lucky and my parents had enough money for tuition.

Eventually I had to take out several student loans.

I also received some federal help which was nice.

I am hoping to receive some scholarships and grants this year.

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MY FINANCIAL FUTURE After I graduate I plan

on consolidating my student loans. That way I just pay one monthly payment.

Also, I plan on setting up an IRA and other accounts for the future.

I will keep my credit card debt low by only having two credit cards and paying with cash when possible.

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WAYS TO SAVE

Don’t go out to eat as much. Staying home and cooking can save you $50 a

week.

Buy generic brands. These brands are

usually the exact same as name brands, but

much cheaper.

If you commute, try to carpool. You will save lots of money

on gas and car repairs.

Control yourself. Don’t waste money on frivolous things. Try to buy only what

you NEED.

When shopping for clothes, try to buy classic pieces that

wont go out of style.

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HELPFUL WEBSITES

This is a list of helpful websites when planning your financial future: College Board Student Financial Planning Student Loan Information Credit Card Tips

Britta

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CREDITS

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Video

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Have a great summer!

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