Budgeting Time & Money

Whether you are working toward a short-term certificate or a two-year associate’s degree, we respect the big commitment - time, money, heart and soul - you are investing in your goals and future. We honor it, too, by providing top-notch programs and instructors to give you the skills to achieve your dreams. 

We have no doubts- we know you can succeed. Here are some tips that will carry you through graduation.

Budgeting time 

Own your education. Make it a priority. Tell everyone about your academic goals and commitments, and set boundaries that give you the time you need. Surround yourself with supportive people who applaud your efforts and achievements, and respect those 'do not disturb' periods necessary to  you keep moving forward. 

  • Before classes start, reach out to the instructor to discuss the syllabus and expectations for the semester. Understanding the structure of your course will help you plan ahead, set your own deadlines, and avoid last-minute stress.
  • Stay organized.  Keep track of important deadlines, assignments, and appointments in a planner or calendar. Like reminders? Set some up on your computer and/or smart phone.
  • Break down your long-term goals into smaller, achievable ones, and focus on taking one step at a time.
  • For each credit hour, expect to spend another 2 hours a week on assignments and studying. Block off time in your schedule to study every week. Even if it is only 30 minutes for a quick review, it helps.
  • Take control of where and how you study, so make the space focus-friendly. Hide, or turn off your phone. Resist the call of social media or use it as a reward. One hour of study = 10 minutes of phone time.
  • Ask your family, employer, and friends to support your study schedule and avoid disturbing you during this time.

Budgeting money 

Your EICC certificate, diploma, or degree does impact your income and lifetime earnings. In many cases, you enjoy a quick return on your educational investment. Better job. Better pay. Better future. Worried about today? The worksheet below can help you plan for college and personal expenses.

Print the College Budget Worksheet

Here are more resources and links with information and tips on money management:

Annual Credit Report 


My Money 

Practical Money Skills 

Young Americans 

The resources and links on this page can help you improve your financial literacy, but will not specifically assist with your financial aid award at Clinton, Muscatine, or Scott Community College. More questions? Our Financial Aid office would love to assist you.