My financial toolkit for university

My Financial Toolkit for University

“Do not save what is left after spending, but spend what is left after saving” -Warren Buffett

Three steps to be Financialy prepared After High School

• I’m currently working at the moment, and I plan to save my money for school. I also have a savings account that I have had ever since I was a baby and I have been saving money throughout the years.

• My parents will contribute to some of the expenses of my education. Even with the money I have been saving, I still won't have enough money to pay for my education alone.
• I plan on using OSAP- The Ontario Student Assistance Program is a financial aid program that can help you pay for college or university. OSAP offers funding through grants which is money you don’t have to pay back and student loans which is money you do have to pay back.

University of Waterloo

Added Expenses

• About $60,000 for a 4-year Biomedical science program
• $6,000-$8,000 for an 8-month contact of residency
• Includes high speed internet and all utilities.
• Such as study room, fitness facilities, music room, multi faith rooms, libraries, TV lounges and grocery shuttle
• As well as tutoring-in-residence program and counsellor-in-residence program
• Doesn’t include meal plans.

• Cell phone- About $60 per month
• Transportation- About $150 for a 12-month pass
• Food(groceries)- About $200 to $250 per month
• Textbooks- About $1,500
• Internet- About $60 per month
• Entertainment- About $100 per month

“When paying off credit card debt, pay off the card with the highest interest rate first.” -CNN Business

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