[00:00.00]Employee: Hi, how can I help you?
[00:09.03]Student: Hi, my name's Arney. This is my first semester here, and I'm hoping you might be able to help me. [00:14.66]See, I don't know how to put this. But I'm having some trouble managing my money.
[00:19.94]Employee: You mean you didn't pay your tuition bill?
[00:22.04]Student: No, I'm okay with the big stuff. I mean I have student loans that pay for most of the tuition, but it's the everyday things that add up.
[00:29.98]Employee: You mean like books，food, things like that.
[00:32.30]Student: My parents give me an allowance for that stuff, but it's just not enough. [00:37.25]I've asked them to increase it, even a little, but they think I need to learn to manage on my own.
[00:42.30]Employee: Well, that's a really common problem with first year students. You've come to the right place. We have resources that can help. [00:49.76]So, first question. Do you have a budget worked out of your spending?
[00:54.63]Student: Hmm, no, I don't.
[00:56.83]Employee: OK. I can send you a budget work sheet. It's a computer document. And it'll help you think through what your expenses are and where you can cut costs. [01:08.05]You‘ll be surprised at how much the little things add up. [01:11.17]You know, if you spend $2 on a cup of coffee each morning, that's almost $200 a semester.
[01:18.54]Student: So... if I could make my own coffee, that would be great, but I can't, since I live in the dormitory.
[01:24.01]Employee: True. But that's just an example. I also have this other sheet with suggestions. [01:29.92]It's just a list of money saving ideas, like buy used books instead of new ones, and buy a bike since that's cheaper than taking the bus or owning a car.
[01:40.02]Student: I'd love to get a bike. Then I could even get a job in town.
[01:44.01]Employee: If you're thinking about a job, we do have postings for jobs as well. They're on the bulletin board outside my office.
[01:51.28]Student: Yeah, I saw it on my way in, it's empty.
[01:54.49]Employee: Yes, the positions get filled pretty quickly. But new one's open up too. [01:59.82]I can't guarantee anything, but if something becomes available, that's where you're going to find out about it.
[02:06.36]Student: Well, if I got a job, I certainly have a little more spending money that would show my parents I'm managing on my own.
[02:12.57]Employee: But what's your course load this semester? If you have more than four courses, you might want to work on your budget and monitor your spending, rather than get a job for now.
[02:22.91]Student: I have four courses, but one is biology, and there's a 3-hour lab each week. So it's really like a fifth course.
[02:31.05]Employee: You ought to think about it then. Maybe try to work on your budget and spending for a month, and see how you're doing, if you're still strapped for cash, but you're keeping up with all your course work, then you could try to find a job.
[02:45.87]Student: Yeah, and maybe by then that bulletin board won't be empty.
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