This is what they suggest At the start of a school semester, write down your income- for example, money you will get from your family or from a part-time job. all of your expenses. Put your expenses into two groups: those that change (food, phone, books, travel, and those that will stay the same (tuition, room Will you and board) Add together all of your expenses. Are they more than your income? part- need to borrow from family or friends, or will you need to get more money by doing mework? Often, students find it is easier to plan out their own budget, and save their own money, rather than trying to borrow from other