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My daughter Chloe is starting out in college in the fall. With her newfound independence will come the newfound responsibilities of dealing with money.  1.  Now I have a few lessons I’d like to share with Chloe, and with anyone else starting out in college.

 2.  OK, this is almost the only lesson you need. The biggest reason you get into money problems is that you spend money you don’t really have. Then you end up in the hole, and it’s hard to get out of the hole. You work too many hours to keep up with your spending. And you end up with a life that’s about nothing but trying to pay for all the spending on something you don’t really need.  3.

Make a very simple budget. It’s a terrible thing for people who’ve never done a budget, but it will become very simple and easy if you know how to do it.  4.  If the bills add up to more than the income, remove some bills.

Pay bills right away. If you have the money, pay the bill as soon as it comes in. You can usually do this online, but if not, it’s just a matter of writing a check, putting it in an envelope, and writing out an address — two minutes.  5.  If you let the bill-paying get pushed back, it becomes a terrible thing.

That’s all you need to know. If you save when you’re in college, avoid debt, and pay bills on time, you’re golden.

A. Why not enjoy your life in college?

B. Spend less than you earn.

C. So spend less, work less, worry less, be happier.

D. Like many young people, she hates thinking about money.

E. First, list your income, and then list your bills.

F. Find ways to get things done you need to get done.

G. Do this two-minute action at once, so you don’t have to worry about it later.