• Articles

  • December 7 

    Can’t stay on budget? Try this tip: operate in cash for a month.
    We spend 12% - 18% more when we pay with plastic. After your budget for the month is set, make an envelope for each budget category and then take cash out of your account and divvy it up in the envelopes. When the money is gone from the envelope, you are done spending. And don’t cheat by borrowing from another envelope, you are only cheating yourself. 

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    November 23 

    Budgeting Fundamentals: Identify a goal for your budgeting and use your budget to meet that goal.
    Paying off debt?  Saving to build an emergency fund or buy a car? Budgeting to just get by? What’s your budgeting goal? 

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    November 16 

    Want to set up a budget online?
    Read this article on the best online budgeting sites: Keeping it simple? Use a notebook or an excel spreadsheet for real hands-on budgeting. 

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    November 9 

    Too many budget categories? Keep it simple.
    When creating your budget categories, less is best. Include a category for each bill, and then try the following three categories for the remaining (variable expenses): Home Supplies, Fun Money, Groceries.  Pretty much everything you buy can fit into one of these three categories. A sampling of home supplies: shoe rack for the closet, cleaning supplies for the kitchen, toiletries in the bathroom, an alarm clock for the bedroom. 

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    November 2 

    Before you build your budget: Get an emergency fund first.
    The cat may get sick, your computer may crash. Don’t let emergencies derail your financial plans. Have an emergency fund at the ready. A good starting emergency fund to aim for is $1,000. 

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    October 26 

    First step to building a budget: know what you spend.
    Use your bank statements, keep receipts for a month, or try one of the cool online budgeting tools like Wesabe.com or mint.com to figure out where you spend your money. Then categorize accordingly. Plan to track your spending (or look back at it) for three months of spending history. 

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    October 12 

    Save first, and then spend.
    Cutting your spending to fit into a budget can be hard. It’s a lot easier to put it on the credit card and pay later. But try this tactic: save first, and then spend. If that “gotta-have-it” something is on your radar start saving up for it and when it comes out, buy away! You’ll start the healthy habit by learning how to save first, spend later. 

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  • Hamline News

    The Associated Colleges of the Twin Cities is looking for student-made films or any other form of digital storytelling for the 2014 Student Film Festival. The submission deadline is Tuesday, September 30.

    Safety & Security would like to remind the Hamline community that safety escorts are available to transport students, faculty, and staff between campus and the light rail on Snelling and University avenues.

    Recently questions regarding the use of e-cigarettes on campus have been raised. Use of e-cigarettes and tobacco is permitted outdoors on the Hamline campus, but must be at least 25 feet from any building.