Financial Wellbeing
Financial Wellbeing relates
to the incorporation of financial resources into our
vision of security and personal fulfillment. Achieving
improved financial wellbeing includes informed
decision-making, learning how to use credit wisely, and discovering
how to reasonably save, and plan for our future. Many of
us embrace important goals that incorporate our finances,
and we each have a unique concept of a rewarding life.
Financial wellbeing is the ability to have our wealth
serve our life - to have the financial means to
comfortably attain whatever personal goals we have that will help
us attain a gratifying lifestyle.
- Have a plan: develop
a realistic budget for the short and long term so that you know
what you need to spend on necessities (food, tuition, housing) and
what you will have left over for the fun stuff. Look at the timing
of when bills are due and make sure your cash flow meets those
bills. Late fees will result in big trouble for your budget.
- Stick to the plan: it's easy to spend
a lot of money on the extras- lattes, convenience foods,
entertainment. Budget some fun money each month, but once it's
gone, fun has to be free.
- Lay Off the Plastic: don't keep your credit
card in your wallet. Using credit cards for everyday purchases is
usually a bad choice. Due to high interest rates, gaining miles or
points is only beneficial if you are paying off the monthly
balance.
- Keep track of your spending: track every
dollar you spend in one month. Did you really need everything you
bought? Remind yourself that you can't have everything while you
are in school. You don't want to live so large in college that you
risk your financial future.
- Borrow sensibly: remember, any money you
borrow now must be repaid later. Make sure you understand what the
terms of your loans are. Visit Financial Aid in Lighty 380 to find
out what loans are available. Check out WSU's scholarship
information page.
- Protect your identity and monitor your credit:
ensure that your personal information is safe from identity theft.
Always check your credit report annually to be sure that your
information is correct and has not been compromised. You can order
a free
copy of your credit report once a year from each of the three
national credit bureaus.
Managing Containers of Chemical Wastes
Accumulate waste in chemically compatible containers with tight
fitting caps, which is usually the containers in which materials
were originally received. Keep the exterior clean and protected
from contamination. The container must remain closed to prevent
evaporation except when adding waste to the container. Empty
containers may be disposed of in the trash.
