Winter Break 2017 - Office Hours:

9:00 AM - 5:00 PM,  December 11th - 22nd
Office Closed: Dec. 23rd  -  Jan. 1st  |  Reopening on January 2nd

Healthy Spending


The Following Tips Will Help You To Cultivate Good Spending Habits:

  • Create a budget and stick to it.
  • Think about purchases before you buy (even small purchases like a daily coffee drink add up).
  • Be a smart shopper… look for sales, discounts and coupons, but remember purchasing something you don’t need just because it’s on sale doesn’t save money. It actually costs you money.
  • Do not subscribe to receive notifications of flash sales for retail. It’s hard to resist these enticing offers.

“It’s not your salary that makes you rich; it’s your spending habits” – Charles A. Jaffe

Developing and maintaining healthy spending habits can greatly impact your financial future. Overspending can lead to a lack of available funds when the unexpected occurs. Developing a spending plan helps you to understand what monetary resources are available to you as well as your expected expenses. When developing a spending plan, it is important to understand your needs versus your wants. Needs are the things necessary for your survival such as: rent or mortgage; utilities; food; transportation to and from school and/or work. Wants are those things that make you more comfortable such as cable television, new clothing, or entertaining yourself. When creating a spending plan, your needs should be your priority. Once you have covered all of the necessities, you may be able to include a few of your wants in your spending plan.