You are a college student who has tuition, textbooks and housing expenses covered by a combination of scholarships, grants and your parents. You, however, are responsible for your clothing, entertainment, food, transportation, general spending money and cell phone. You worked part time during the school year and full time during the summer months, saving the majority of your summer income for the upcoming school year. You are a server at a popular restaurant, and while tips vary, you average about $8,500 per year. That comes to about $600 per month after taxes. Complete a realistic monthly budget based on your income and expenses. Don’t forget that saving (paying yourself) and giving come first!