PhD 015: Financial Basics- Priorities, Budgets, and Credit with Patricia Berhau

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Patricia Berhau is an ISLES Asset Building Coordinator who works primarily with moderate and low-income people. She encourages graduate students to remember that their income-level is only temporary as their income potential is much higher in the long-run.

[Episode Card uses a Flickr image by epSos.de under Creative Commons licensing]

Important reminders:

• It’s all the irregular things that are budget busters.
• Budget! Knowing where your money goes is crucial to being financially healthy.
• Mint.com for organizing your accounts and budgets
• Get a copy of your credit report!
  AnnualCreditReport.com You’re entitled to a free credit report from each of the bureaus per year. Your credit report and score dictate your borrowing potential.
• If you feel that you want to borrow money at some point, be conscious of your credit handling.

“Make a Resolution to Budget? Here Are Some Apps to Help” by Tara Siegel Bernard – New York Times – Jan 3, 2014

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