.... before they manage you

Being able to manage your finances is an important skill which will serve you well, not just during seminary but also in life after graduation.   

The best way to help you manage your finances is to think about what really matters to you, set some financial goals and develop a budget.  A budget is a tool to help you meet your financial goals.  It functions as a ruler to gauge your spending patterns against budgeted amounts, so that adjustments can be made. 

Before a budget can be made, you will need to take stock of your current income and your expenses.  Below are a number of websites that can provide helpful guidance on financial literacy and suggestions on how to set up a budget:

Financial Planning Websites:
Crown Financial Ministries (wholistic, biblically-oriented budget development)
Budget Calculator (to determine budget amounts recommended for your income level)

Other related tools:
Mapping your future
You Can Deal With It

Whichever method you use to keep track of your spending habits is not important.  What is important is that you are monitoring your finances, so that you can provide for yourself, meet your obligations, and share with others.

If you are considering taking out a loan to fund your education, please see How Much of a Loan can I Afford and the very informative video and financial information contained on Auburn Seminary's website.