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Show 30, 2017 WEDNESDAY, AUGUST - 7 DIXIESUNNEWS.COM - , your budget and help determine needs and wants. Having an adviser will help to ensure you stick to your budget month to month. Housley said she has found eating out is the biggest area of difficulty for students to resist. "It's just so much more convenient," she said. "They're away from home, and mom's not cooking for them anymore." But frivolous dining adds up. Housley encourages students to come up with a budget and plan out meals or a cooking schedule with roommates. Even eating off the value menu when you go out helps save money, she said. Mckayla Primm, a freshman nursing major from Magna, said that she records her monthly expenses and spending on an Excel spreadsheet. Each time Primm wants to go out to eat, she looks at the spreadsheet beforehand so she knows how much she can spend; however, Primm said she tries not to eat out too often and instead, buys groceries and cooks at home. Primm and her fiancé make grocery lists to ensure they. only buy the necessities. "We never go to the grocery store hungry," she said. She also buys in bulk to save money. Not only is it a better deal when you buy in bulk, but you don't have to go to the store as often, and you can avoid the temptation to make unnecessary purchases. It matters which grocery store you choose to shop at, Housley said. She has noticed there are big differences in price between groceries stores around town, so it is important to make sure you are shopping at the one that is most economical. Housley said she personally likes Lin's Marketplace because of the sales it offers. "Wal-Mais always good too," Housley said. "My only problem with is sometimes I buy things that I don't need there because they sell so many things that BUDGETING continued from page 5 Jordan Langston, a junior accounting major from Hurricane, said he tries to put a specific - amount of his paycheck into savings every month and keep it there. If he notices that he's taking too much out, he makes changes to his spending accordingly. Ideally, students should 10 percent of put at least their revenue each month in savings, said Shandon Gubler, an associate professor of business management. Students should have the equivalent of three to four months of expenditures put aside for emergencies, Gubler said. It is also important to make sure that your bank records match up' with your actual expenses, Housley said. This is why students should balance their checkbooks. Not only does it keep track 13, of what you spend, but you can also avoid being overcharged by your bank and monitor for fraudulent charges on your own. on Overdraft fees and other bank and institution fees are high, Gubler said, so he recommends 1. balancing your records at least once a week. Even if you don't have a checkbook, you can create a spreadsheet or find none online. Gubler said n't it is important to record expenditures immediLn ately to make sure you -- don't spend more than t what you're bringing in. Compare your expenses , spreadsheet against your budget plan, and if they ns don't align, make changes ) and get yourself back on track for the next week. The next step is to detero mine needs versus wants. )r While those may seem A obvious, it is beneficial to have a set list of needs to differentiate them from ye use purchases. re Gubler recommends reviewing your budget with a trusted adviser. This mu person could be a close friend, parent or spouse, anyone who will give honest feedback about j 11 non-essenti- al aren't just groceries. So if you're a person that I , - 1 , - does that you might want to choose a different , store... Know yourself and how you do things." , Housley recommends ' . ..... ; comparison shopping 4 , and researching different ' , ' prices and reviews before r , you buy. This helps to avoid impulse buying and is important when looking C,) .,,.......'... ' ' to purchase higher priced m ' ,,''' 0 .eitems. , '' w ' ' cz I "My theory in life is - I '' I ..,: z when you want something ,, , lal k, that's a higher priced item, you always go look, Dixie State University students dance away with soap suds all over their bodies Friday in the courtleave for 24 hours, and yard behind the Edith S. Whitehead Education Building for the 201 7 Foam Dance. The Foam Dance y through the night packing the courtyard tight for a hot, sweaty then if you still think you sold all 2,000 tickets dance. need it and that's the best place to get it, then go FOAM was favoring. authorities wouldn't let us buy it," Housley said. 5 from continued The the from page at Students can look humidity get close until they knew and the water we were with her. foam, plus coupons, shop sales. and St. George's 90 degree She ended up being OK. use rebate websites to the courtmade Medics on save and make money weren't sure why each other weather, grinding hot. she passed out, but she while they shop. Websites and finding their hook ups yard One of my friends I said it has happened at a such as Ebates.com and for the night. Every time came who had been dance before. It could have his or someone with, Swagbucks.com give you passed by, ranall hard been cash back or credits when her sweaty, nearly naked going exhaustion, dehynight, dration or blood pressure domly passed out toward you shop at certain online body would rub up against the end of the night. One issues. retailers. There are also mine, and I would cringe. she a was minute bustin' I That was probably the free apps that offer cash If know you, I'm more and the she was most eventful thing that next back as well. Ibotta and move, comfortable being in close the on in covered but Checkout51 are a few when ground happened to me during the you quarters, I medto foam. the ran foam dance, besides oba are and can use. students get apps sweaty sticky authorthe but closest serving a wall that had at stranger, I'd prefer to keep ics, Coupons can be found I least five couples making online or in your mailbox. my distance. ity could find was a camout at all times. As the night went on, Primm said she likes to pus policeman. As I was to him what Note to future foam more and more strangers look at coupons she gets explaining dance attendees: stay became friends, and I saw happened, my boyfriend through the mail. more and more people who and another kind stranger Another resource ofhydrated and keep a medical ID on your phone if friend out to the fered DSU students weren't together at helped carry my the of the middle of crowd. necessary. is the Starving Student beginning of the night start Of course, there were I'm glad I could check Card. The card is sold for making out. My friends this dozens of I bookand at to tried gawkthe dance $25 people experience off my along campus as the over her medics Trailblazer bucket list, but store and gives students a the best we could, although ing I would rather enjoy a less tried to bring her back to none of us were fond of variety of discounts and free items at restaurants, the electronic music the DJ consciousness. Even the sticky dance. retail,stores and other services. "r-and T Saving money r , budgeting in your college , ' years is critical to developing financial discipline for your future, Gubler ; ! ) ' '' said. If you adopt positive ''''''''''''' ''''''14 i ) - ,, . , ,,,..... ; ( i habits now, you will have r , r a much easier time paying , bills when you move into ) your professional and ,. family life. "They will have much more peace of mind if ,t, they know they're within a budget and saving," f Gubler said. "Life will be z,:, , much happier for them. 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