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YN"[C RxFڢotnE޶%` "װGJ #fL\Q(ƹfnsLq<)_h40^MIC1C !0Hu!frqJJx3wC=xU 18:&7B6%dK93ߢ[kشOo(.[ rt[t:RP^yZԸηӳ6Yv`}Am(@Us侵sNj_o7;W朵o2ěi7않= ^>ɽS!u4|% delDS~R endstream endobj 42 0 obj << /Type /StructElem /S /Part /P 8 0 R /Pg 7 0 R /K [43 0 R 44 0 R 112 0 R 46 0 R 47 0 R 48 0 R 113 0 R 114 0 R 55 0 R 56 0 R 57 0 R 58 0 R 59 0 R 60 0 R 61 0 R 62 0 R 63 0 R 64 0 R 65 0 R 66 0 R 67 0 R 115 0 R 116 0 R 76 0 R 77 0 R] >> endobj 43 0 obj << /Type /StructElem /S /Figure /P 42 0 R /K [8] /Pg 7 0 R >> endobj 44 0 obj << /Type /StructElem /S /H1 /T (Managing Paychecks) /E (Managing Paychecks) /Pg 7 0 R /K [10] >> endobj 45 0 obj << /Type /StructElem /S /P /P 117 0 R /ActualText (7 out of 10 students are stressed about their personal finance ) /Pg 7 0 R /K [11] >> endobj 46 0 obj << /Type /StructElem /S /H4 /T (Take one of the first steps to combat this stress- learn how to manage your paychecks!) /E (Take one of the first steps to combat this stress- learn how to manage your paychecks!) /Pg 7 0 R /K [12] >> endobj 47 0 obj << /Type /StructElem /S /H2 /T (Understanding Paychecks) /E (Understanding Paychecks) /Pg 7 0 R /K [22] >> endobj 48 0 obj << /Type /StructElem /S /H2 /T (Saving and Investing ) /E (Saving and Investing ) /Pg 7 0 R /K [23] >> endobj 49 0 obj << /Type /StructElem /S /P /P 118 0 R /ActualText (If you are saving for a short-term goal \(i.e. buying a car\) choose a non risky investment or put money in a savings account) /Pg 7 0 R /K [24] >> endobj 50 0 obj << /Type /StructElem /S /P /P 119 0 R /ActualText (If you are saving for a long-term goal \(i.e. retirement\) you can invest your money in stocks) /Pg 7 0 R /K [25] >> endobj 51 0 obj << /Type /StructElem /S /P /P 120 0 R /ActualText (An easy low stakes way to save and earn more money is to put money into a High Yield Savings Account) /Pg 7 0 R /K [26] >> endobj 52 0 obj << /Type /StructElem /S /P /P 121 0 R /ActualText (Try a Paycheck calculator if you want to predict what your take home pay will be) /Pg 7 0 R /K [16 17] >> endobj 53 0 obj << /Type /StructElem /S /P /P 122 0 R /ActualText <546F2073656520686F7720796F757220706179636865636B732061726520746178656420676F20746F206573732E726565642E65647520616E64206F6E20796F757220456D706C6F7965652064617368626F61726420636C69636B20746865206C696E6B206E65787420746F208D6C61746573742070617920737475628E> /Pg 7 0 R /K [18] >> endobj 54 0 obj << /Type /StructElem /S /P /P 123 0 R /ActualText (Confused on what income taxes are? Take a free course on Understanding and Managing Income Tax ) /Pg 7 0 R /K [19 20 21] >> endobj 55 0 obj << /Type /StructElem /S /P /ActualText (.) /Pg 7 0 R /K [15] >> endobj 56 0 obj << /Type /StructElem /S /Figure /P 42 0 R /Pg 7 0 R >> endobj 57 0 obj << /Type /StructElem /S /H2 /T (Budgeting Basics) /E (Budgeting Basics) /Pg 7 0 R /K [9] >> endobj 58 0 obj << /Type /StructElem /S /P /ActualText (Identify your monthly income and your average current expenses) /Pg 7 0 R /K [0] >> endobj 59 0 obj << /Type /StructElem /S /P /ActualText (Create a budget! A common budgeting rule is 50/30/20. 50% of income goes to essentials. 30% goes to non-essentials, and 20% goes to savings. This may or may not work for you, adjust this to your situation or liking!) /Pg 7 0 R /K [3] >> endobj 60 0 obj << /Type /StructElem /S /P /ActualText (Categorize your current expenses as fixed or variable expenses. Fixed expenses are costs that remain constant \(i.e. Rent\). Variable expenses are a different cost each month \(i.e. Groceries\)) /Pg 7 0 R /K [1] >> endobj 61 0 obj << /Type /StructElem /S /P /ActualText (Track expenses on paper or use an online budget tracker) /Pg 7 0 R /K [7] >> endobj 62 0 obj << /Type /StructElem /S /P /ActualText <5374696C6C20737475636B3F205574696C697A652066726565206F6E6C696E6520746F6F6C73212054616B65206120717569636B206672656520636F75727365206F6E20427564676574696E6720426173696373206F72206163636573732043617368436F7572736590732020627564676574696E6720746F6F6C2E> /Pg 7 0 R /K [4 5 6] >> endobj 63 0 obj << /Type /StructElem /S /P /ActualText (Separate your needs \(essentials\) from your wants \(non-essential\)) /Pg 7 0 R /K [2] >> endobj 64 0 obj << /Type /StructElem /S /Figure /P 42 0 R /Pg 7 0 R >> endobj 65 0 obj << /Type /StructElem /S /Figure /P 42 0 R /Pg 7 0 R >> endobj 66 0 obj << /Type /StructElem /S /H2 /T (Additional Resources/Tips) /E (Additional Resources/Tips) /Pg 7 0 R /K [27] >> endobj 67 0 obj << /Type /StructElem /S /H2 /T (Debt Management) /E (Debt Management) /Pg 7 0 R /K [28] >> endobj 68 0 obj << /Type /StructElem /S /P /P 124 0 R /ActualText (Employment at Reed be used towards work study- see if you qualify) /Pg 7 0 R /K [29] >> endobj 69 0 obj << /Type /StructElem /S /P /P 125 0 R /ActualText (College students get discounts everywhere! Before you buy something search to see if they offer student discounts on Unidays or other websites.) /Pg 7 0 R /K [30 31] >> endobj 70 0 obj << /Type /StructElem /S /P /P 126 0 R /ActualText (Check out Resources at Reed for additional campus resources & ways to save money) /Pg 7 0 R /K [32] >> endobj 71 0 obj << /Type /StructElem /S /P /P 127 0 R /ActualText <53747564799073206861766520666F756E6420616C6D6F737420363525206F6620636F6C6C6567652073747564656E7473206861766520637265646974206361726420646562742C20646F6E90742066616C6C20696E746F2074686973207472617021> /Pg 7 0 R /K [33] >> endobj 72 0 obj << /Type /StructElem /S /P /P 128 0 R /ActualText (Pay off your credit card in-full each month to avoid interest charges) /Pg 7 0 R /K [34] >> endobj 73 0 obj << /Type /StructElem /S /P /P 129 0 R /ActualText (Treat your credit card as a loan, do not spend more then you can pay off!) /Pg 7 0 R /K [35] >> endobj 74 0 obj << /Type /StructElem /S /P /P 130 0 R /ActualText (Credit card debt impacts your credit score. You can request credit reports Here) /Pg 7 0 R /K [36] >> endobj 75 0 obj << /Type /StructElem /S /P /P 131 0 R /ActualText (Learn more on how debt can impact your credit score, and how to be credit savvy!) /Pg 7 0 R /K [37 38] >> endobj 76 0 obj << /Type /StructElem /S /H5 /T (Do you want Financial calculators, courses on managing money, and quizzes all in one place? Check out CashCourse, a free platform catered to college students. Click Here for a guide on how to use this platform) /E (Do you want Financial calculators, courses on managing money, and quizzes all in one place? Check out CashCourse, a free platform catered to college students. Click Here for a guide on how to use this platform) /Pg 7 0 R /K [39] >> endobj 77 0 obj << /Type /StructElem /S /H3 /T (Interesting in learning more? Visit /financial-wellness/ for more resources ) /E (Interesting in learning more? 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