Many things can affect the amount of money you will need to cover your expenses while you are in college. For example, costs will vary considerably if you have in- state vs. out-of-state status and if you live at home, on-campus, or off-campus. The best way to plan for those expenses is to take time to develop a budget, calculate your assets, and determine how much money you will need. In the two previous sections, we have outlined typical recurring expenses. Now you need to determine your assets. Consider the following: