1. Don’t Put All Your Eggs Into One Basket Kathleen E. High, M.Ed., Education and Career Consultant Dream Chasers & Goal Setters

2. Change Your Expectations Establish a Source of Income Lower Your Financial Responsibilities Strategies and Tips for Reducing Expenses Solutions for Emergency Situations

3. This Approach Is Time and Energy Consuming Everyone’s Situation Is Different More Than One Way To Meet Your Needs Know Your Priorities Live within Your Means – Even If Your Means Have Dropped Change Your Lifestyle Distinguish the Difference between “Needs” and “Wants” Adopt a Collectivistic Mindset For A Season and For A Reason

5. Ongoing Sources of Income Employment You and/or Your Spouse Part-Time Temporary Rental Income

6. Two Types: Need-based Merit-based Types of Aid Grants Scholarships Work Study Loans School-Sponsored Special Discount Programs

7. Unemployment Severance Packages Disability Veteran’s Benefits Employer-Sponsored Tuition Reimbursement Programs Retirement

8. Your hobbies/Interests Selling Assets Yard/Garage Sale Selling Back Textbooks Buyer’s Remorse

9. Fixed Expenses Variable Expenses Required/Optional Expenses Debt Management Consultants Refinance Loans Downsize

10. Shop Around Coupon Shopping Buy Less Expensive Versions Buy Used Instead Of New Trade/Barter Carpool and/or Use Public Transportation

11. Student Support Services Resources For Small Businesses And Non-profit Businesses Adopt An Environmentalist Perspective Reduce Reuse Recycle When Things Need To Be Replaced Hire Students Entertainment Do It Yourself

12. Utilize Multiple Resources Identify Support Systems Bankruptcy Emergency Social Services Lending Institutions Living on Credit Cards

13. Changing Your Perspective Lowering Your Financial Responsibilities Strategies and Tips For Reducing Expenses Identify Your Support System(s)? Solutions for Emergency Situations