Whether they work, receive financial aid, or receive money from their family, successful college students will learn to live on a budget. As you begin to read this chapter, make a list of areas where you think that you have had some success managing your money in the past.

What are your most important objectives in learning the material in this chapter? Think about challenges you have had in the past with money management or areas that confuse you or make you nervous. Write down three money-management goals (e.g., I will track my spending and expenses for one month and use the information to create a monthly budget).