Thursday, November 6, 2008

How to Live on a Small Budget


    As a university student you have to live on little money. Many students live from pay check to pay check and it is often tight with daily expenses. One good way to manage your money is to budget expenses so that your do not over spend what little money you do have. To that end, I'm sure you have many good ideas about how to make your money go further. In this assignment I want you to write a ten sentence paragraph about how live on a small budget. Please add your unique ideas and suggestions for your fellow classmates.

Mr Osterman

28 comments:

kanae said...

To live on a small budget

To be honest with you, I am not good at organizing money. I am almost always broke and that is one of the reasons I have a part time job. So in this paper I want to write couple things I can do to live on a small budget. First, I need to limit the amount of money for clothing. I spent more than two hundred dollar every month for clothing and I know that the extravagance making my wallet thin. That is also a good idea to bring a lunch to school instead of buying it every day. Third, I could save some money by letting my friends cut my hair which I would not do because I have let one of my friends cut my hair once before and my bang looked like a fool. I think textbooks are too much expensive for students to afford and what I can do is to buy used textbooks for cheaper prices from seniors or secondhand stores. That will help me to live on a small budget.

AYAKA said...

How to Live on a Small Budget
First of all, we should make an effort to get up early in the morning for saving money. That is because we usually spend money for saving time. It is also said that Time is money, the proverb. I always drive to school on a speedway with two hundred yen for not being late for the period one class. So I must wake up earlier than I do at once. Secondly, we had better make a breakfast and a lunch every morning. I want to take each of meals much enough without spending lots of money. The more I make meals, the more I can eat enough. However, you may not be able to cook a meal with spending much money if you live apart from your parents. In that case, you can own meals jointly with some friends!

kajuma said...

How to Live on a Small Budget

I recommend two effective ways to live on a small budget. One is to make a note. In that note, you should write down how much and for what you paid. You could sum up how much money you use during a month and review how you used it. You also could be able to plan how to use your monthly budget for next month, and you would get to be more and more smart consumer month by month. Another, I recommend you to live a well regulated life. If your life was not regulated and you go to bed late night, you might take too much foods or snacks. As you know, it takes large amount of money to pursue daily meals. You also cut the transportation expenses if you got up early and walk to school. Please try these two to live on small budget.

Kazuma Arakaki

yoshi said...

How live on a small budget
At first, I don’t use money in co-op store at university. Because there are a lot of things attract me. If possible, I make a luncheon instead of buying a luncheon around university. At least, luncheon is about three hundreds yen. If I make a luncheon every day except on Saturday and Sunday, I will save about one thousands and five hundreds yen every week!! Second, I don’t use air conditioner of car besides summer season. Then, I don’t put a lot of money in my wallet. And I handle my household accounts. I recommend you to make it. Because it makes you notice that how did you use money and what things did you buy. Finally, after pay day, I say that I’m not rich! I’m not rich in my mind every time.

☆MeG☆ said...

How to Live on a Small Budget

If I live on a small budget, I worry about food first. I grow some vegetables on the veranda. I hope that my parents sent me some food. If living is harder yet, I go to a supermarket, and eat free sample of food. Second, I worry about an electric bill. Okinawa is hot most of the year, so people need to use an air conditioner. But I open all windows and don’t use air conditioner. Then I unplug except a refrigerator every day. I think it is good way to live on a small budget. I want to know other way.

Megumi Uejo

Ryuta said...

How to Live on a Small Budget

We students always run short of money, aren’t we? Today I will give you a few little secrets to save your money and lead a better and happier campus life. First, if you have a car or a motorcycle, be a good driver. It may sound nonsense, but careful driving will bring your car (or motorcycle) good mileage, and you will save more money. Second, keep an accounts book. It will remind you where you waste your money. Finally, I suggest you to make a big shopping day once a month. You can spend money with no limit on the day. Maybe you can control your desire if you can spend more money on a bargain sale. Here were my suggestions, hope this helps…

maru said...
This comment has been removed by the author.
maru said...

How to Live on a Small budget

Japanese students always would like to get a lot of thing, especially for female, like clothes or shoes. But university students have to live on a small budget. So I will describe my original methods how to live on a small budget. I think it is easy to cut our budget for foods. For cutting some budget, I can bring some foods from my house. Thankfully, my mother makes lunch for me every day. So I can cut my budget. However, most effective method is to make you get busy. If you are too busy to use money, you can save your money because you do not have time to go outside. I think that going outside spends a lot of money, so not going outside is very effective for saving money.

Aya said...

How to Live on a Small Budget

I love eating, but it always cost money. If you like cooking, you can save much money with cooking. For example, cook bread, pizza and noodle! A type of food made from flour is very cheap if we make it by ourselves. Also, it is always difficult to dress up within a small budget. I think remaking clothes is nice, because we can dress in stylish clothes using small money. We can also wear clothes for long time. However, some people do not like sewing and neither do I. I share clothes with my sister. We have few clothes each other but we can enjoy wearing many clothes.

Natsue said...

How to Live on Small Budget

The most of peoples want to live on small budget, if possible. However, it is difficult to do so. Today, I’ll tell you two advices to spend good life. First, I think that you should cook my own meals. It is so economic. Because, if you eat out or buy box lunches and the like, you spend a lot of money than you cook your own meals. I think it is so wasteful. Next, you should turn off a light when you come out of your room. It is economize on electric power. I think that like these small actions are important to live on small budget.

yan said...

How to Live on a Small Budget!

To save my money, at the first, I often make my meals by myself. This is the most important money save technique in my life because I am often tempted to eat out by my baseball team mates. When I have a little money, I often make curry or ‘Takikomigohan’(like jyu-shi) because I can eat them two or three times in one-time cooking. These are very economical and good taste meals! Then, I tend to buy bacon and winner because they are very useful when I make my meals. Second, I tend not to got the convenience stores because they are very expensive. Third, I try to take a shower in a daytime, especially in summer. In a day time, I can take a hot shower with out using a gas because the sun makes water boiled. At the last, I tend to drink alcohol in someone’s house because it makes me cheaply. Like this, I have some money saving technique, and I recommend you to do these things!

071898A Shinya Nagai
11/7(fri)

manami said...

How to Live on a Small Budget


Most of the university students have to live a little money. However there are good way to live a small budget.
First, it’s better to reduce the waste. Cooking at the house, getting the foodstuffs and living necessaries on the bargain day also reduce the waste.
Second, you should keep household account. We can notice the waste if we keep it.
It’s the good idea to make use of a 100-yen shop which has a wide selection of cheap and convenient goods. The private vegetable garden is also cut the cost of living.
I think there are more way to save the living expenses, so I want to look for the way and try them.

mana said...

I have three points to live on a small budget. First, you do not eat any snacks and, you stop eating between meals. You have meal three times in a day, and you become healthy and, you do not use money to buy extra things. Second, when you go shopping, you have to go to supermarket on sale time. In addition, you have to buy food in bulk for the whole month or a week. Third, when you use water and electricity, you have to pay attention to use it. For example, if you do not use the room, you should turn the light off in the room. Moreover, when you use water, you have to set a limit to the amount. Finally, you should be always seeking a new idea how to save money.

Kotoe said...

How to Live on a Small Budget

It’s difficult to live on a small budget. So it is important to figure out good ways to save your money. First, you should budget expenses so that you don’t over spend. And it’s also important to keep household accounts when you spent your money to something. Through keeping so, you can think back your waste and know how you can spend after that. But the most important thing is that if you don’t need to buy something, you should not go shopping. And if you go shopping, you only buy as much as you needs. At the end, you should eat out frequently, it cost much money. So I recommend you to cook your own and bring a lunchbox the school. If you do these things, you will be able to live on a small budget. Kotoe Ukuda

Shoko said...

How to Live on a Small Budget

Some university students, including me, tend to spend much money buying their clothes, every day lunch and dinner in spite of their small budget. Although there is a way that we have a part-time job, I think it is better to save the money which is used for these stuffs to live on a small budget. Part-time jobs sometimes prevent us from having time to study. First, we can save money by deciding how much money we can use a month and write down how much we used in the month. If we can check the amount of our disbursements, I think we’ll become paying attention to it and we’ll be able to save money more easily. Second, as for our lunch and dinner, we can save money by bringing them from our house. In my case, buying lunch and dinner always cost about 600 yen a day. It means that we can save 18,000 yen a mouth if I don’t use money for lunch and dinner. Thinking about this, we have no choice except to do it. In short, the most important thing is that thinking about the way to save money consciously and doing it.

Shoko Miyagi

yuiko said...

How to Live on a Small Budged

I would like to suggest that good ideas to spend not much money in our daily lives. First, try to make a lunch every day. If you do it, you can save about five hundreds yen a day because you don’t have to buy a lunch at cafeteria. Next, try to drink at friends’ house not at bar. Drinking at bar is costly for students, of course. For this reason, you should buy liquor, and you’d better to drink at your or your friends’ house. It seems to be cheaper and fun, doesn’t it? Final, I think it is great idea, do not put much money in your wallet. I am sure that we cannot buy many things if we have little money. Let’s try to live on a small budged as possible as we can, and enjoy our school lives!


071937E
Yuiko Yamashiro

Mariko said...

How to Live on a Small Budget

It’s difficult for us to live on a small budget. Because we should pay a lot of money for textbooks, charges for cell phone and gasoline by ourselves while we study at university. However, we can live on little money by saving some expense in everyday life. For example, expenses for meal account for much of our expenses a day. So we can save the money for meal by bringing a lunch from home and having a dinner at home instead of dinner out. And when you want to have dessert, it may be good to make it yourself without buying it. Moreover, in order to save the money for gasoline, we can try to walk when we go to place nearby. If you try to think about how you can save the money in your everyday life, you can find good way to live on a small budget.

Mariko

remi said...

How to Live on a Small Budget

To save money, first, I cook for myself and don’t eat snacks between meals. I also grow some vegetables such as beansprouts and Welsh onions and use them to cook. I think that growing some crops is interesting because I can see how they’re growing up gradually. Second, when I go to places which are not far from my house, I walk as possible as I can, and sometimes use bicycle. It helps me be in good health. Third, I try to save on electricity and water as possible as I can. For example, I turn off the light which is in the empty room, and I pull out the plug which I don’t use of. In addition, I don’t leave a tap running while washing the dishes. Finally, I try to get commodities such as tissue papers from people who hand out on the street. Besides, I collect many point cards to get something useful. I want to save money with having fun.

Remi Matsubara

yoshiko said...
This comment has been removed by the author.
yoshiko said...

How to Live on a Small Budget

If you want to live on a small budget, to make your money plan is very important. I had a failure experience about this. This first term, in fact, I often became lose interest in making dinner because I continued to come back home very late. So I often went to a convenience store or co-op store to get foods and drink. Sometimes I also joined drinking party and go out somewhere with my friends. Turning my head, I considered the way of using money only a little at that time. That was why I was surprised there is almost no money before I knew. For this experience, I learned that I had better make dinner and not go out too much. So I recommend that you should control the way to spend money. You should have a plan whenever you use money.

Yoshiko Fujita

Momoyo said...

How to live on a small budget

Recently, the subprime mortgage crisis is a huge problem in the world, and the rising prices of food such as bread, milk, and eggs affect our society. In my opinion, university students have little money, but we should save money as much as we can. Moreover, we have to consider how to manage money for living on a small money. I feel that using coupons, going to library, and taking dinner at home are good to save money. In addition to that, we need to avoid purchasing clothes although it is difficult especially for women. I live with my family members, so I do not have to pay rent and electricity bills. I can save money more readily, thus I think it is lucky. I want to take a trip to the United States and Canada as soon as possible, so I need to keep my patience. Living on a small money is really difficult but it is necessary for my life. I think that setting goal is the most important thing to manage money.

Momoyo

ayumi said...

How to Live on a Small Budget

There are lots of ways to live on a small budget, and I am going to introduce some of them which I have tried. First, I do not put much money into my wallet. Because carrying a large amount of cash will let me do impulse buying. Second, I try not to use credit cards since paying by credit card doesn’t really make me feel that I spend money. Third, I usually take a lunch with me. It is cheaper than buying. And it is also good idea to go home by dinner time so that you can get free meal and enjoy eating with your family. Last, I ride a motorcycle instead of car except rainy day. Since the price of gasoline is quite high these days, it will help you to save money. These are what I have tried to save money, and hope it will also help you.
Ayumi

yuka said...

                                  071926K
Yuka Miyagi
11.7.2008

I consider that we should spend economy life as much as we can. I will suggest my idea about economy life. At first, we should do home gardening because we should not to buy vegetables in a supermarket. If we do it, we will know about farmer’s feelings. And also we will be able to thank for farmers. We can do other things to live on a small budget. We should also not to leave a TV on and not to leave water. If we do it, water that be used fruitlessly decrease and an electric or a water bill become gradually cheaper.
I think that I very often eat out. So budget of my life will decrease, if I decrease opportunities to eat out. I want to cook in my house, then budget of my life get smaller and I may become a person good at cooking. There are other way to decrease a budget, so I want to think different ideas.

karen said...

How to live on your small budget

  Most of students get a little pay. To live within the small budget, you will need to save money in various ways.First, you need to start saving money with daily expense. To stint your meal is the easiest to start. It is only about not buying food with your pocket money. Bring your own bento and water bottle from home for your lunch. Go home by diner time to prevent from being hungry outside.Second, you need to reduce going out, so you can cut the cost of gasoline, impulse buying, drinking, and so on. You need to reduce but quit for your health and friendship.There are many other ways. You should give up smoking, your neat car, or your collections if you can.

FernandoRyukyu said...

How to Live on a Small Budget

It is not easy to live on small budget, but it will always depend on how small it is yours. When I was a university student in South America, I used to have in my wallet only enough money for transportation and to buy a cheap lunch near the university, so now I think that at that time I was a specialist on small budgets.


At first, I think that we have to buy only the necessary things for our daily life. We have to be careful with the way we spend our precious money, and if we are going to buy something, then we have to buy things that last long. For example, we can buy toothbrushes when they are cheap, but we should not buy carrots even if they are the cheapest of the city, because after some days those carrots will, for sure, be rotten. The next step to take is not to buy alcohol to drink with our friends if our budget does not allow us to do so. If we know that our budget is limited to “X” dollars, then we have to wait until the day we produce money ourselves, in other words, until the day we start to work. My last advice to live on a small budget could be that if we are planning to have lunch or dinner in an expensive restaurant, we have to think it twice. Maybe the university’s cafeteria is cheaper and we can have dinner or lunch outside when the end of the month is coming and we know that money is enough to survive; then we can go out with our friends and enjoy more expensive stuff.

mo-ri- said...

How to live on a small Budget.

I’ll show you the way that how I live on a small budget. First of all, I don’t buy a lunch, and take packed lunch from home. Taking the lunch costs no any money. Second, I reduce the number of drinking and going away. If I do so, I don’t have to pay the money for gasoline. Thirdly, I must put up with the impulse that I want to buy clothes, shoes, and anything I want. And then, if my senior has same text book in the class, I borrow it. And as I can, I don’t buy the book that I want. Instead, I try to find the book in the library. Finally, if my budget run out, and immediately I need any money, I will borrow it from my good, excellent, wonderful, tender friends. Maybe, they will borrow me it.

yukino said...

   How to Live on a Small Budget

To live on a small budget is difficult. But I always manage for money in my way. “Don’t waste your money by buying things you don’t need” This phrase is best way to live in a small budget because I can save the money. First, I write down the list what I want and need then I choose the one what I need want to the most. And if I buy convenience goods, I check a receipt because where setting many goods which is cheapest. Next, I sometimes bring lunch to college and drink to don’t waste money. I recommend you to bring some fruit. You can bring easy and if you hungry, you can eat simple food without use money.
Finally, to carry small money is important. If you carry a lot of money, you may use a lot.
So you always carry minimum money. These are good way to live in a small budget♪

AkikO said...

How to Live on a Small Budget

How to live on a small budget is the big theme for most of university student including me. I have to cut much money I have been used for my hobby or any other pleasures. Through my experience, I have got some point to save money. First, suggest potluck party at my house instead of drinking party at a tavern. Potluck party needs a little money because I only to make dishes which cost less than eating at a tavern. Other people also bring dishes, so table will be full of delicious foods. Not to attend the party is the best way to live on a small budget. But party is the good meeting place. So I should think how to enjoy party with minimum cost. What the important thing is not how to give up something but how to save the money.