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an eBook by Grant Baldwin
 h o  w   t o  g o   t o 
c  o  l  l e g e   f  o  r
F R E E 
 
 i n c  o m e - e x  p e n s e s - z  e r o
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Think of paying for college like balancing a budget.Weird, I know.With a budget, you have two sides to the equation. What you havecoming in (income) and what you have going out (expenses). Whenyou make a budget, you want to do your best to have your incomeminus your expenses equal zero.If you are spending more than you make, then you end up with debt.Not good. So in order to avoid debt, either your income has to go upor your expenses have to go down.When you work on both sides of this equation, you can eventuallyget to zero.The same idea is true with college. Ideally, you want topay zero for that education.So in order to do that, either the income side needs togo up (working, scholarships, etc.) or the expenses sideneeds to go down (live at home, community college, etc.).Make sense?We’ll approach both sides of the coin and guide youin the process so you can work towards paying ZEROfor college!
 
The tips and ideas in this guide all mean nothing unless youdo something with them. You can have all the knowledge inthe world of what you should do, but unless you actually dosomething, you’re wasting your time. So if you’re not planningon doing anything with what you read, go wash the dog,finger-paint, or play Solitaire on the computer! But if you arewilling to implement some of these tips and ideas, then read on.Buckle up. Let’s get to work.
disclaimer 
Grant Baldwin is one of the leading money and financial literacyexperts for youth today. He is the creator ofwww.BrokePiggy.com, a website designed to give studentsthe answers they’re looking for on questions about investing,savings, personal finance, and all things money. He is a popularmotivational speaker among students and is the author of thebook,
Reality Check: The Student’s Guide to the Real World .
 Each year, Grant speaks to thousands of students throughschool assemblies, conferences, workshops, retreats, camps,and more. For more info check outwww.GrantBaldwin.comoremail Grant atgrant@grantbaldwin.com.
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