when is the personal statement due

Personal Statement

Personal statements may be used to customize the application to a specific program or to different specialties. 

In This Section:

Creating the personal statement, formatting the personal statement, previewing the personal statement, reviewing/editing the personal statement, assigning the personal statement.

You create your own personal statements in the MyERAS portal from the Personal Statements section listed under Documents. 

• Each personal statement must contain a Personal Statement Title and the Personal Statement Content. The title will be visible only to you to help you correctly assign it to programs, and the content will be visible to both you and the programs it is assigned to. 
• The personal statement is limited to 28,000 characters, which include letters, numbers, spaces, and punctuation marks. 
• There is not a limit to how many personal statements applicants can create. 
• Personal statements created outside the MyERAS application should be done in a plain text word processing application such as Notepad (for Windows users) or SimpleText (for Mac users). The statement should reflect your personal perspective and experiences accurately and must be your own work and not the work of another author or the product of artificial intelligence. 
• Personal statements created in word processing applications not using plain text may contain hidden and invalid formatting. 
• Note: A number of websites provide examples of personal statements. Do not copy any information from these sites and use it in your personal statements without giving credit to the author. Such use is considered plagiarism. 
• The ERAS program will investigate any suspected acts of plagiarism. 
• Any substantiated findings of plagiarism may result in the reporting of such findings to the programs to which you apply now and in subsequent ERAS seasons. 

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When creating a personal statement in the MyERAS application, the following formatting options will be available: 

• Bold. 
• Italic. 
• Underline. 
• Strikethrough. 
• Bullets. 
• Numbering. 
• Align left. 
• Center. 
• Align right. 
• Increase indent. 
• Decrease indent. 
• Insert hyperlink. 

After entering the personal statement title and content, you will have the opportunity to preview your personal statement before saving it. This preview allows you to view your personal statement just as the programs will view it, including the number of pages.  

You are responsible for reviewing your personal statements before assigning them to programs. 

The Preview/Print option under the Actions column will allow you to view and/or print your personal statement. 

Personal statements can be edited at any point during the application season — even when assigned to programs that have been applied to. 

Personal statements that have been edited will be reflected on the programs’ side by an updated status containing the date of the updated version, but programs are not guaranteed to view or review updated versions of personal statements. 

You may designate the assignment of one personal statement for each program. 

• Personal statements can be assigned to any saved or applied to programs from the Personal Statements page by selecting “Assign” under the Actions column of the intended personal statement. 
• When assigning by personal statement, programs listed with a disabled checkbox already have the selected personal statement currently assigned. 
• When assigning by personal statement, you should review any personal statements that are listed under the Assigned Personal Statement column before making selections or changes. 
• Personal statements can be assigned by program using the Assign option under the Actions column on both the Saved Programs and Programs Applied To pages. 
• Changes to personal statement assignments can be made throughout the application season, but programs are not guaranteed to view or review newly assigned personal statements. 
• A personal statement cannot be assigned to programs that are closed. 
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12 Personal Statement FAQs and answers!

There is often a large amount of confusion surrounding how to write personal statements, especially when it comes to oxford and cambridge and other top research universities., every year, we have thousands of students ask us what qualities go into making a successful personal statement., to help, we have broken down this question into 12 of the most frequently asked questions our prospective students ask when they are trying to draft their personal statements., 1. how do i write the introduction.

Introductions are often disappointingly generic. To help you achieve more specificity and concision, the best way to write a good personal statement introduction is to complete the rest of it first. When you are getting started on the first draft, it can be overwhelming to begin at a blank page, but discussing your achievements and interests – relevant to the courses and universities you are applying to – can help you clarify what your motivation to study the subject really is. Then you can come back and explain the reasons behind your passion for Mathematics, Anglo Saxon literature or your subject of choice.

2. How many books should I talk about?

This question can be answered in various ways depending on the subject you intend to study. Clinical scientific subjects will not require many book mentions, however, Arts and Humanities personal statements for Oxbridge see a great benefit from discussing at least two books in detail, with further reading mentioned.

It’s also important to remember that academic sources shouldn’t be only limited to books. A well-rounded personal statement discusses specific theories, touches on lectures you have attended or essays and articles you have read to gain a better understanding of specific academic points rather than a general discussion. One of the biggest pitfalls students fall into when drafting Oxbridge personal statements is getting stuck waffling about general points around a subject of interest. To avoid getting stuck in general chatter, try to use only specific examples in your personal statement.

Centrally, admissions tutors want to see that you know you are getting yourself in for. Only reading a couple of books from their introductory list will therefore not tantalise them; try to follow your interests in a bit more depth and look at readings and ideas which are representative of degree level material.

3. What do I do if I have no work experience?

Referencing work experience in your personal statement is dependent on the subject you intend to study. A rule of thumb is to ask yourself whether you think an academic in the faculty you are applying to will think your work experience was relevant for the course. If you are applying to study History, for example, your two-weeks at an accounting or law firm organising files will be of little interest.

For Medicine, work experience is integral not only to the application process but will help build a strong personal statement. When applying to a vocational subject such as Medicine, where possible you should always ensure you are able to reference at least one work experience placement held. If you don’t have any work experience and your personal statement is due, make sure to arrange some and refer to this in the future tense in your personal statement when talking about your upcoming placement.

Work experience can also be useful for other more vocation-leaning subjects, such as architecture and engineering. More widely, doing work experience is extremely useful to help you begin thinking about what you might want to do with your career, and can build highly useful skills, but, unless it is relevant to the course content, it is unlikely to proffer you any credit for university admission.

4. How long should I talk about extra-curricular activities?

Leading research universities are looking for your potential to succeed on the course you are applying for. Nevertheless, two applicants who seem academically matched might be distinguished from each other by their ability to balance their time with several other things. Do include what you do outside of academia, then, but keep non-relevant activities mentioned to a minimum rather than an exhaustive list. This might mean sacrificing some of the things you do outside of your course and focus on those few things you do most often, or to the highest level. (N.B. Your reference might be able to discuss some of your extra-curricular activities too, and you don’t want to overlap this material).

What you do mention, try to link to your subject. This might be easy, as with an English literature student who has directed lots of theatre, or less easy, such as a maths applicant who plays the violin to a high level. Nevertheless, making these links convincingly can bring originality and creativity to your statement.

5. How can I tailor it for different courses?

Subjects like HSPS at Cambridge or Classical Archaeology and Ancient History at Oxford might make it tricky to tailor your statement for different courses. Oxford and Cambridge are very understanding of this, and specific guidance can usually be found on faculty websites about their expectations.

However, as a rule of thumb, focus on the areas of convergence between the courses you are applying for. If these differ in title, then avoid stating the title of the course in your statement and instead refer to the disciplinary area or focus instead. This involves: a) making sure the courses you are applying for are sufficiently similar to give you a chance of doing this, and b) doing your research on the course content and options so that you are covering the appropriate material.

This research stands even if you are applying for the same titled course everywhere. English, for example, is taught very differently at Oxford to Bristol, and focusing on an interest which does not feature in either course will result in your application being put aside.

Doing this research early can also help you to direct your reading and research to build material for your personal statement which speaks to all your choices.

6. How should I talk about my other A-level subjects?

Lots of students are told to discuss the skills they have gathered from their A Level subjects, but we caution around this; your UCAS application includes a full list of A-Level subjects studied, and your school reference will discuss your A-Level abilities. Talking about the time management or analytical skills you gained from studying history, and the logical skills you gained from physics, can therefore come across as ‘fodder’ which could have already been inferred.

You can, however, talk about how other subjects provide further insight into the course or subject you’d like to study. For example, students who have taken Classics that intend to study English Literature at university can talk about translating texts, such as the Aeneid, and how this helped gain a greater understanding of classical influence in modern English Literature. As with the whole statement, the more specific you can make this, the better.

7. How long should it be?

This is an easy one. Your personal statement should be at most, 4,000 characters or 47 lines, whichever you meet first. Although it can be shorter, we strongly recommend taking full advantage of the available space. Ideally, you want your first draft to be much longer so you can cut down and edit your personal statement to be shorter, rather than using general waffle or struggling to fill the space.

Cutting it down is usually relatively easy, but it might take an outside eye to see the ‘wood from the trees’. Any non-relevant, generic material, anything which is likely to be in many other statements, and frilly, decorative language or repetition can all be chopped down.

If you find you are struggling to reach 4,000 characters or 47 lines, you probably need to revisit the body of your personal statement and discuss more subject-specific content. You may, alternatively, need to go back to the research and reading phase of writing.

8. What formatting should I use?

The final version of your personal statement will be submitted in a digital form with no formatting options, so there is no need to worry about formatting. That means you won’t have to decide what font or colour to use and there is no need for styles such as bold or italics. If you do include these, they won’t appear in the submitted version.

Your school should already have discussed best practice for writing your personal statement but as a reminder – do not write your statement draft in the real form! As with any content that is going to be submitted digitally, you should write it in a word document first (Microsoft Office, Google Docs, Pages, etc) where you can save a copy locally to your computer (and back-up regularly). This way, you can avoid the devastating loss of your best statement draft due to an accidental refresh or the internet dropping out.

9. How many paragraphs should it be?

There is no set-in-stone rule for the number of paragraphs but generally, a well-structured personal statement will be broken up into five or six paragraphs and be easy to read. Admissions tutors will need to comprehend your statement very quickly, so structure with this in mind.

A frequently-successful structure follows this pattern: an introduction, two to three course/subject-specific main paragraphs, a penultimate paragraph detailing your extracurricular activities, and then a final summary paragraph. The final two paragraphs are sometimes pushed together to form one.

10. Will they find out if I slightly…exaggerate my talents?

Yes! Your personal statement for Oxford and Cambridge should be considered a springboard for your interview and you could and should expect to be questioned about any single detail of it. At Oxbridge Applications, every year, we have students that approach us in January who are upset that their Admissions Tutor spent 20 minutes focused on a certain author when “I only mentioned that book briefly as a side note”.

However, you DON’T need to be an expert, or even particularly knowledgeable, about a particular idea or author to mention it in your statement. If you are questioned about an aspect of an author’s work you have mentioned which you are unsure about, then be intellectually honest and say so, but try your best to have a go given what you already know about them or similar authors/ideas.

This is not only the case for authors/books mentioned, but also if you put forward a highly ambitious or critical view in your statement. If you want to argue that Marx was totally wrong, then you better be ready to defend your view in a nuanced way. The bottom line is: stay intellectually honest and err on the side of modesty; academics tend to become less rather than more sure about the ‘truth’ the further they delve into their subject matter.

11. How many teachers should check my personal statement?

Preferably, you will get your drafted personal statement checked by at last two of your teachers or guidance advisers. One should be subject-specific who can check over the content of your paragraphs and the other can be from a different department to provide feedback on grammatical accuracy and quality of the statement.

Getting guidance from second and third parties can be useful ensure you retain editorial control, and that your voice and taste runs through the statement. If you try to include everyone’s different opinion, you can quickly end up with a jumbled statement that no longer reflects on you and your communication style and strengths.

Make sure you leave plenty of time between completing your first draft and the Oxbridge personal statement deadline ensuring you have time for others to check it over and you can make changes as necessary.

12. Should I start my personal statement with a quote?

‘Most people are other people. Their thoughts are someone else’s opinions, their lives a mimicry, their passions a quotation.’ Oscar Wilde.

How much have you learned about me from reading Wilde’s words?

Quotes are used each year by applicants who end up getting offers from top universities, including Oxford and Cambridge. It’s not necessarily going to bring your application to an end. Quotes are also awarded marks in certain A Level subjects, if you have taken the time to remember them and give them a bit of context.

However, your personal statement gives admissions tutors the chance to hear your voice, and to get a sense of what you might be like as a student on their course. By definition , using a quote – i.e. someone else’s words – is not personal. It is therefore preferable to avoid using a quote unless it’s absolutely essential. Using a quote doesn’t make YOU sound more interesting.

Before you decide to use a quote, think long and hard. If you would really like to use a quote, try to make it as pithy and concise as possible, and make sure it elevates and builds on what you are saying; that it expresses something you couldn’t have otherwise expressed on your own. (Also, by ‘quote’, we are not talking about specific concepts or theories – these are absolutely fine to include.)

Driven by 20 years of research and first-hand experience in guiding thousands of applicants, our consultations provide an honest and detailed assessment with guidance on individual personal statements.

If you would like to speak to one of our oxbridge-graduate advisors about your own personal statement, contact our oxbridge advising team on  +44 (0)207499 2394 , email at [email protected] , or request a callback  to discuss your situation., explore oxbridge applications, request a callback, application resources, related content, essential tips for oxbridge interviews, hard science personal statement, why is thinking about your subject important.

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Writing the Personal Statement

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The personal statement, your opportunity to sell yourself in the application process, generally falls into one of two categories:

1. The general, comprehensive personal statement:

This allows you maximum freedom in terms of what you write and is the type of statement often prepared for standard medical or law school application forms.

2. The response to very specific questions:

Often, business and graduate school applications ask specific questions, and your statement should respond specifically to the question being asked. Some business school applications favor multiple essays, typically asking for responses to three or more questions.

Questions to ask yourself before you write:

• What's special, unique, distinctive, and/or impressive about you or your life story?
• What details of your life (personal or family problems, history, people or events that have shaped you or influenced your goals) might help the committee better understand you or help set you apart from other applicants?
• When did you become interested in this field and what have you learned about it (and about yourself) that has further stimulated your interest and reinforced your conviction that you are well suited to this field? What insights have you gained?
• How have you learned about this field—through classes, readings, seminars, work or other experiences, or conversations with people already in the field?
• If you have worked a lot during your college years, what have you learned (leadership or managerial skills, for example), and how has that work contributed to your growth?
• What are your career goals?
• Are there any gaps or discrepancies in your academic record that you should explain (great grades but mediocre LSAT or GRE scores, for example, or a distinct upward pattern to your GPA if it was only average in the beginning)?
• Have you had to overcome any unusual obstacles or hardships (for example, economic, familial, or physical) in your life?
• What personal characteristics (for example, integrity, compassion, and/or persistence) do you possess that would improve your prospects for success in the field or profession? Is there a way to demonstrate or document that you have these characteristics?
• What skills (for example, leadership, communicative, analytical) do you possess?
• Why might you be a stronger candidate for graduate school—and more successful and effective in the profession or field than other applicants?
• What are the most compelling reasons you can give for the admissions committee to be interested in you?

General advice

Answer the questions that are asked

• If you are applying to several schools, you may find questions in each application that are somewhat similar.
• Don't be tempted to use the same statement for all applications. It is important to answer each question being asked, and if slightly different answers are needed, you should write separate statements. In every case, be sure your answer fits the question being asked.

Tell a story

• Think in terms of showing or demonstrating through concrete experience. One of the worst things you can do is to bore the admissions committee. If your statement is fresh, lively, and different, you'll be putting yourself ahead of the pack. If you distinguish yourself through your story, you will make yourself memorable.

Be specific

• Don't, for example, state that you would make an excellent doctor unless you can back it up with specific reasons. Your desire to become a lawyer, engineer, or whatever should be logical, the result of specific experience that is described in your statement. Your application should emerge as the logical conclusion to your story.

Find an angle

• If you're like most people, your life story lacks drama, so figuring out a way to make it interesting becomes the big challenge. Finding an angle or a "hook" is vital.

Concentrate on your opening paragraph

• The lead or opening paragraph is generally the most important. It is here that you grab the reader's attention or lose it. This paragraph becomes the framework for the rest of the statement.

Tell what you know

• The middle section of your essay might detail your interest and experience in your particular field, as well as some of your knowledge of the field. Too many people graduate with little or no knowledge of the nuts and bolts of the profession or field they hope to enter. Be as specific as you can in relating what you know about the field and use the language professionals use in conveying this information. Refer to experiences (work, research, etc.), classes, conversations with people in the field, books you've read, seminars you've attended, or any other source of specific information about the career you want and why you're suited to it. Since you will have to select what you include in your statement, the choices you make are often an indication of your judgment.

Don't include some subjects

• There are certain things best left out of personal statements. For example, references to experiences or accomplishments in high school or earlier are generally not a good idea. Don't mention potentially controversial subjects (for example, controversial religious or political issues).

Do some research, if needed

• If a school wants to know why you're applying to it rather than another school, do some research to find out what sets your choice apart from other universities or programs. If the school setting would provide an important geographical or cultural change for you, this might be a factor to mention.

Write well and correctly

• Be meticulous. Type and proofread your essay very carefully. Many admissions officers say that good written skills and command of correct use of language are important to them as they read these statements. Express yourself clearly and concisely. Adhere to stated word limits.

Avoid clichés

• A medical school applicant who writes that he is good at science and wants to help other people is not exactly expressing an original thought. Stay away from often-repeated or tired statements.

For more information on writing a personal statement, see the personal statement vidcast .

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10 Personal Statement Essay Examples That Worked

What’s covered:, what is a personal statement.

• Essay 1: Summer Program
• Essay 2: Being Bangladeshi-American
• Essay 3: Why Medicine
• Essay 4: Love of Writing
• Essay 5: Starting a Fire
• Essay 6: Dedicating a Track
• Essay 7: Body Image and Eating Disorders
• Essay 8: Becoming a Coach
• Essay 9: Eritrea
• Essay 10: Journaling
• Is Your Personal Statement Strong Enough?

Your personal statement is any essay that you must write for your main application, such as the Common App Essay , University of California Essays , or Coalition Application Essay . This type of essay focuses on your unique experiences, ideas, or beliefs that may not be discussed throughout the rest of your application. This essay should be an opportunity for the admissions officers to get to know you better and give them a glimpse into who you really are.

In this post, we will share 10 different personal statements that were all written by real students. We will also provide commentary on what each essay did well and where there is room for improvement, so you can make your personal statement as strong as possible!

Please note: Looking at examples of real essays students have submitted to colleges can be very beneficial to get inspiration for your essays. You should never copy or plagiarize from these examples when writing your own essays. Colleges can tell when an essay isn’t genuine and will not view students favorably if they plagiarized. 

Personal Statement Examples

Essay example #1: exchange program.

The twisting roads, ornate mosaics, and fragrant scent of freshly ground spices had been so foreign at first. Now in my fifth week of the SNYI-L summer exchange program in Morocco, I felt more comfortable in the city. With a bag full of pastries from the market, I navigated to a bus stop, paid the fare, and began the trip back to my host family’s house. It was hard to believe that only a few years earlier my mom was worried about letting me travel around my home city on my own, let alone a place that I had only lived in for a few weeks. While I had been on a journey towards self-sufficiency and independence for a few years now, it was Morocco that pushed me to become the confident, self-reflective person that I am today.

As a child, my parents pressured me to achieve perfect grades, master my swim strokes, and discover interesting hobbies like playing the oboe and learning to pick locks. I felt compelled to live my life according to their wishes. Of course, this pressure was not a wholly negative factor in my life –– you might even call it support. However, the constant presence of my parents’ hopes for me overcame my own sense of desire and led me to become quite dependent on them. I pushed myself to get straight A’s, complied with years of oboe lessons, and dutifully attended hours of swim practice after school. Despite all these achievements, I felt like I had no sense of self beyond my drive for success. I had always been expected to succeed on the path they had defined. However, this path was interrupted seven years after my parents’ divorce when my dad moved across the country to Oregon.

I missed my dad’s close presence, but I loved my new sense of freedom. My parents’ separation allowed me the space to explore my own strengths and interests as each of them became individually busier. As early as middle school, I was riding the light rail train by myself, reading maps to get myself home, and applying to special academic programs without urging from my parents. Even as I took more initiatives on my own, my parents both continued to see me as somewhat immature. All of that changed three years ago, when I applied and was accepted to the SNYI-L summer exchange program in Morocco. I would be studying Arabic and learning my way around the city of Marrakesh. Although I think my parents were a little surprised when I told them my news, the addition of a fully-funded scholarship convinced them to let me go.

I lived with a host family in Marrakesh and learned that they, too, had high expectations for me. I didn’t know a word of Arabic, and although my host parents and one brother spoke good English, they knew I was there to learn. If I messed up, they patiently corrected me but refused to let me fall into the easy pattern of speaking English just as I did at home. Just as I had when I was younger, I felt pressured and stressed about meeting their expectations. However, one day, as I strolled through the bustling market square after successfully bargaining with one of the street vendors, I realized my mistake. My host family wasn’t being unfair by making me fumble through Arabic. I had applied for this trip, and I had committed to the intensive language study. My host family’s rules about speaking Arabic at home had not been to fulfill their expectations for me, but to help me fulfill my expectations for myself. Similarly, the pressure my parents had put on me as a child had come out of love and their hopes for me, not out of a desire to crush my individuality.

As my bus drove through the still-bustling market square and past the medieval Ben-Youssef madrasa, I realized that becoming independent was a process, not an event. I thought that my parents’ separation when I was ten had been the one experience that would transform me into a self-motivated and autonomous person. It did, but that didn’t mean that I didn’t still have room to grow. Now, although I am even more self-sufficient than I was three years ago, I try to approach every experience with the expectation that it will change me. It’s still difficult, but I understand that just because growth can be uncomfortable doesn’t mean it’s not important.

What the Essay Did Well

This is a nice essay because it delves into particular character trait of the student and how it has been shaped and matured over time. Although it doesn’t focus the essay around a specific anecdote, the essay is still successful because it is centered around this student’s independence. This is a nice approach for a personal statement: highlight a particular trait of yours and explore how it has grown with you.

The ideas in this essay are universal to growing up—living up to parents’ expectations, yearning for freedom, and coming to terms with reality—but it feels unique to the student because of the inclusion of details specific to them. Including their oboe lessons, the experience of riding the light rail by themselves, and the negotiations with a street vendor helps show the reader what these common tropes of growing up looked like for them personally. 

Another strength of the essay is the level of self-reflection included throughout the piece. Since there is no central anecdote tying everything together, an essay about a character trait is only successful when you deeply reflect on how you felt, where you made mistakes, and how that trait impacts your life. The author includes reflection in sentences like “ I felt like I had no sense of self beyond my drive for success, ” and “ I understand that just because growth can be uncomfortable doesn’t mean it’s not important. ” These sentences help us see how the student was impacted and what their point of view is.

What Could Be Improved

The largest change this essay would benefit from is to show not tell. The platitude you have heard a million times no doubt, but for good reason. This essay heavily relies on telling the reader what occurred, making us less engaged as the entire reading experience feels more passive. If the student had shown us what happens though, it keeps the reader tied to the action and makes them feel like they are there with the student, making it much more enjoyable to read. 

For example, they tell us about the pressure to succeed their parents placed on them: “ I pushed myself to get straight A’s, complied with years of oboe lessons, and dutifully attended hours of swim practice after school.”  They could have shown us what that pressure looked like with a sentence like this: “ My stomach turned somersaults as my rattling knee thumped against the desk before every test, scared to get anything less than a 95. For five years the painful squawk of the oboe only reminded me of my parents’ claps and whistles at my concerts. I mastered the butterfly, backstroke, and freestyle, fighting against the anchor of their expectations threatening to pull me down.”

If the student had gone through their essay and applied this exercise of bringing more detail and colorful language to sentences that tell the reader what happened, the essay would be really great. 

Table of Contents

Essay Example #2: Being Bangladeshi-American

Life before was good: verdant forests, sumptuous curries, and a devoted family.

Then, my family abandoned our comfortable life in Bangladesh for a chance at the American dream in Los Angeles. Within our first year, my father was diagnosed with thyroid cancer. He lost his battle three weeks before my sixth birthday. Facing a new country without the steady presence of my father, we were vulnerable — prisoners of hardship in the land of the free. We resettled in the Bronx, in my uncle’s renovated basement. It was meant to be our refuge, but I felt more displaced than ever. Gone were the high-rise condos of West L.A.; instead, government projects towered over the neighborhood. Pedestrians no longer smiled and greeted me; the atmosphere was hostile, even toxic. Schoolkids were quick to pick on those they saw as weak or foreign, hurling harsh words I’d never heard before.

Meanwhile, my family began integrating into the local Bangladeshi community. I struggled to understand those who shared my heritage. Bangladeshi mothers stayed home while fathers drove cabs and sold fruit by the roadside — painful societal positions. Riding on crosstown buses or walking home from school, I began to internalize these disparities. During my fleeting encounters with affluent Upper East Siders, I saw kids my age with nannies, parents who wore suits to work, and luxurious apartments with spectacular views. Most took cabs to their destinations: cabs that Bangladeshis drove. I watched the mundane moments of their lives with longing, aching to plant myself in their shoes. Shame prickled down my spine. I distanced myself from my heritage, rejecting the traditional panjabis worn on Eid and refusing the torkari we ate for dinner every day. 

As I grappled with my relationship with the Bangladeshi community, I turned my attention to helping my Bronx community by pursuing an internship with Assemblyman Luis Sepulveda. I handled desk work and took calls, spending the bulk of my time actively listening to the hardships constituents faced — everything from a veteran stripped of his benefits to a grandmother unable to support her bedridden grandchild.

I’d never exposed myself to stories like these, and now I was the first to hear them. As an intern, I could only assist in what felt like the small ways — pointing out local job offerings, printing information on free ESL classes, reaching out to non-profits. But to a community facing an onslaught of intense struggles, I realized that something as small as these actions could have vast impacts. Seeing the immediate consequences of my actions inspired me. Throughout that summer, I internalized my community’s daily challenges in a new light. I began to stop seeing the prevalent underemployment and cramped living quarters less as sources of shame. Instead, I saw them as realities that had to be acknowledged, but could ultimately be remedied. I also realized the benefits of the Bangladeshi culture I had been so ashamed of. My Bangla language skills were an asset to the office, and my understanding of Bangladeshi etiquette allowed for smooth communication between office staff and its constituents. As I helped my neighbors navigate city services, I saw my heritage with pride — a perspective I never expected to have.

I can now appreciate the value of my unique culture and background, and of living with less. This perspective offers room for progress, community integration, and a future worth fighting for. My time with Assemblyman Sepulveda’s office taught me that I can be a change agent in enabling this progression. Far from being ashamed of my community, I want to someday return to local politics in the Bronx to continue helping others access the American Dream. I hope to help my community appreciate the opportunity to make progress together. By embracing reality, I learned to live it. Along the way, I discovered one thing: life is good, but we can make it better.

This student’s passion for social justice and civic duty shines through in this essay because of how honest it is. Sharing their personal experience with immigrating, moving around, being an outsider, and finding a community allows us to see the hardships this student has faced and builds empathy towards their situation. However, what really makes it strong is that they go beyond describing the difficulties they faced and explain the mental impact it had on them as a child: Shame prickled down my spine. I distanced myself from my heritage, rejecting the traditional panjabis worn on Eid and refusing the torkari we ate for dinner every day. 

The rejection of their culture presented at the beginning of the essay creates a nice juxtaposition with the student’s view in the latter half of the essay and helps demonstrate how they have matured. They use their experience interning as a way to delve into a change in their thought process about their culture and show how their passion for social justice began. Using this experience as a mechanism to explore their thoughts and feelings is an excellent example of how items that are included elsewhere on your application should be incorporated into your essay.

This essay prioritizes emotions and personal views over specific anecdotes. Although there are details and certain moments incorporated throughout to emphasize the author’s points, the main focus remains on the student and how they grapple with their culture and identity.  

One area for improvement is the conclusion. Although the forward-looking approach is a nice way to end an essay focused on social justice, it would be nice to include more details and imagery in the conclusion. How does the student want to help their community? What government position do they see themselves holding one day? 

A more impactful ending might look like the student walking into their office at the New York City Housing Authority in 15 years and looking at the plans to build a new development in the Bronx just blocks away from where the grew up that would provide quality housing to people in their Bangladeshi community. They would smile while thinking about how far they have come from that young kid who used to be ashamed of their culture. 

Essay Example #3: Why Medicine

I took my first trip to China to visit my cousin Anna in July of 2014. Distance had kept us apart, but when we were together, we fell into all of our old inside jokes and caught up on each other’s lives. Her sparkling personality and optimistic attitude always brought a smile to my face. This time, however, my heart broke when I saw the effects of her brain cancer; she had suffered from a stroke that paralyzed her left side. She was still herself in many ways, but I could see that the damage to her brain made things difficult for her. I stayed by her every day, providing the support she needed, whether assisting her with eating and drinking, reading to her, or just watching “Friends.” During my flight back home, sorrow and helplessness overwhelmed me. Would I ever see Anna again? Could I have done more to make Anna comfortable? I wished I could stay in China longer to care for her. As I deplaned, I wondered if I could transform my grief to help other children and teenagers in the US who suffered as Anna did.

The day after I got home, as jet lag dragged me awake a few minutes after midnight, I remembered hearing about the Family Reach Foundation (FRF) and its work with children going through treatments at the local hospital and their families. I began volunteering in the FRF’s Children’s Activity Room, where I play with children battling cancer. Volunteering has both made me appreciate my own health and also cherish the new relationships I build with the children and families. We play sports, make figures out of playdoh, and dress up. When they take on the roles of firefighters or fairies, we all get caught up in the game; for that time, they forget the sanitized, stark, impersonal walls of the pediatric oncology ward. Building close relationships with them and seeing them giggle and laugh is so rewarding — I love watching them grow and get better throughout their course of treatment.

Hearing from the parents about their children’s condition and seeing the children recover inspired me to consider medical research. To get started, I enrolled in a summer collegelevel course in Abnormal Psychology. There I worked with Catelyn, a rising college senior, on a data analysis project regarding Dissociative Identity Disorder (DID). Together, we examined the neurological etiology of DID by studying four fMRI and PET cases. I fell in love with gathering data and analyzing the results and was amazed by our final product: several stunning brain images showcasing the areas of hyper and hypoactivity in brains affected by DID. Desire quickly followed my amazement — I want to continue this project and study more brains. Their complexity, delicacy, and importance to every aspect of life fascinate me. Successfully completing this research project gave me a sense of hope; I know I am capable of participating in a large scale research project and potentially making a difference in someone else’s life through my research.

Anna’s diagnosis inspired me to begin volunteering at FRF; from there, I discovered my desire to help people further by contributing to medical research. As my research interest blossomed, I realized that it’s no coincidence that I want to study brains—after all, Anna suffered from brain cancer. Reflecting on these experiences this past year and a half, I see that everything I’ve done is connected. Sadly, a few months after I returned from China, Anna passed away. I am still sad, but as I run a toy truck across the floor and watch one of the little patients’ eyes light up, I imagine that she would be proud of my commitment to pursue medicine and study the brain.

This essay has a very strong emotional core that tugs at the heart strings and makes the reader feel invested. Writing about sickness can be difficult and doesn’t always belong in a personal statement, but in this case it works well because the focus is on how this student cared for her cousin and dealt with the grief and emotions surrounding her condition. Writing about the compassion she showed and the doubts and concerns that filled her mind keeps the focus on the author and her personality. 

This continues when she again discusses the activities she did with the kids at FRF and the personal reflection this experience allowed her to have. For example, she writes: Volunteering has both made me appreciate my own health and also cherish the new relationships I build with the children and families. We play sports, make figures out of playdoh, and dress up.

Concluding the essay with the sad story of her cousin’s passing brings the essay full circle and returns to the emotional heart of the piece to once again build a connection with the reader. However, it finishes on a hopeful note and demonstrates how this student has been able to turn a tragic experience into a source of lifelong inspiration. 

One thing this essay should be cognizant of is that personal statements should not read as summaries of your extracurricular resume. Although this essay doesn’t fully fall into that trap, it does describe two key extracurriculars the student participated in. However, the inclusion of such a strong emotional core running throughout the essay helps keep the focus on the student and her thoughts and feelings during these activities.

To avoid making this mistake, make sure you have a common thread running through your essay and the extracurriculars provide support to the story you are trying to tell, rather than crafting a story around your activities. And, as this essay does, make sure there is lots of personal reflection and feelings weaved throughout to focus attention to you rather than your extracurriculars. 

Essay Example #4: Love of Writing

“I want to be a writer.” This had been my answer to every youthful discussion with the adults in my life about what I would do when I grew up. As early as elementary school, I remember reading my writing pieces aloud to an audience at “Author of the Month” ceremonies. Bearing this goal in mind, and hoping to gain some valuable experience, I signed up for a journalism class during my freshman year. Despite my love for writing, I initially found myself uninterested in the subject and I struggled to enjoy the class. When I thought of writing, I imagined lyrical prose, profound poetry, and thrilling plot lines. Journalism required a laconic style and orderly structure, and I found my teacher’s assignments formulaic and dull. That class shook my confidence as a writer. I was uncertain if I should continue in it for the rest of my high school career.

Despite my misgivings, I decided that I couldn’t make a final decision on whether to quit journalism until I had some experience working for a paper outside of the classroom. The following year, I applied to be a staff reporter on our school newspaper. I hoped this would help me become more self-driven and creative, rather than merely writing articles that my teacher assigned. To my surprise, my time on staff was worlds away from what I experienced in the journalism class. Although I was unaccustomed to working in a fast-paced environment and initially found it burdensome to research and complete high-quality stories in a relatively short amount of time, I also found it exciting. I enjoyed learning more about topics and events on campus that I did not know much about; some of my stories that I covered in my first semester concerned a chess tournament, a food drive, and a Spanish immersion party. I relished in the freedom I had to explore and learn, and to write more independently than I could in a classroom.

Although I enjoyed many aspects of working for the paper immediately, reporting also pushed me outside of my comfort zone. I am a shy person, and speaking with people I did not know intimidated me. During my first interview, I met with the basketball coach to prepare for a story about the team’s winning streak. As I approached his office, I felt everything from my toes to my tongue freeze into a solid block, and I could hardly get out my opening questions. Fortunately, the coach was very kind and helped me through the conversation. Encouraged, I prepared for my next interview with more confidence. After a few weeks of practice, I even started to look forward to interviewing people on campus. That first journalism class may have bored me, but even if journalism in practice was challenging, it was anything but tedious.

Over the course of that year, I grew to love writing for our school newspaper. Reporting made me aware of my surroundings, and made me want to know more about current events on campus and in the town where I grew up. By interacting with people all over campus, I came to understand the breadth of individuals and communities that make up my high school. I felt far more connected to diverse parts of my school through my work as a journalist, and I realized that journalism gave me a window into seeing beyond my own experiences. The style of news writing may be different from what I used to think “writing” meant, but I learned that I can still derive exciting plots from events that may have gone unnoticed if not for my stories. I no longer struggle to approach others, and truly enjoy getting to know people and recognizing their accomplishments through my writing. Becoming a writer may be a difficult path, but it is as rewarding as I hoped when I was young.

This essay is clearly structured in a manner that makes it flow very nicely and contributes to its success. It starts with a quote to draw in the reader and show this student’s life-long passion for writing. Then it addresses the challenges of facing new, unfamiliar territory and how this student overcame it. Finally, it concludes by reflecting on this eye-opening experience and a nod to their younger self from the introduction. Having a well-thought out and sequential structure with clear transitions makes it extremely easy for the reader to follow along and take away the main idea.

Another positive aspect of the essay is the use of strong and expressive language. Sentences like “ When I thought of writing, I imagined lyrical prose, profound poetry, and thrilling plot lines ” stand out because of the intentional use of words like “lyrical”, “profound”, and “thrilling” to convey the student’s love of writing. The author also uses an active voice to capture the readers’ attention and keep us engaged. They rely on their language and diction to reveal details to the reader, for instance saying “ I felt everything from my toes to my tongue freeze into a solid block ” to describe feeling nervous.

This essay is already very strong, so there isn’t much that needs to be changed. One thing that could take the essay from great to outstanding would be to throw in more quotes, internal dialogue, and sensory descriptors.

It would be nice to see the nerves they felt interviewing the coach by including dialogue like “ Um…I want to interview you about…uh…”.  They could have shown their original distaste for journalism by narrating the thoughts running through their head. The fast-paced environment of their newspaper could have come to life with descriptions about the clacking of keyboards and the whirl of people running around laying out articles.

Essay Example #5: Starting a Fire

Was I no longer the beloved daughter of nature, whisperer of trees? Knee-high rubber boots, camouflage, bug spray—I wore the garb and perfume of a proud wild woman, yet there I was, hunched over the pathetic pile of stubborn sticks, utterly stumped, on the verge of tears. As a child, I had considered myself a kind of rustic princess, a cradler of spiders and centipedes, who was serenaded by mourning doves and chickadees, who could glide through tick-infested meadows and emerge Lyme-free. I knew the cracks of the earth like the scars on my own rough palms. Yet here I was, ten years later, incapable of performing the most fundamental outdoor task: I could not, for the life of me, start a fire. 

Furiously I rubbed the twigs together—rubbed and rubbed until shreds of skin flaked from my fingers. No smoke. The twigs were too young, too sticky-green; I tossed them away with a shower of curses, and began tearing through the underbrush in search of a more flammable collection. My efforts were fruitless. Livid, I bit a rejected twig, determined to prove that the forest had spurned me, offering only young, wet bones that would never burn. But the wood cracked like carrots between my teeth—old, brittle, and bitter. Roaring and nursing my aching palms, I retreated to the tent, where I sulked and awaited the jeers of my family. 

Rattling their empty worm cans and reeking of fat fish, my brother and cousins swaggered into the campsite. Immediately, they noticed the minor stick massacre by the fire pit and called to me, their deep voices already sharp with contempt. 

“Where’s the fire, Princess Clara?” they taunted. “Having some trouble?” They prodded me with the ends of the chewed branches and, with a few effortless scrapes of wood on rock, sparked a red and roaring flame. My face burned long after I left the fire pit. The camp stank of salmon and shame. 

In the tent, I pondered my failure. Was I so dainty? Was I that incapable? I thought of my hands, how calloused and capable they had been, how tender and smooth they had become. It had been years since I’d kneaded mud between my fingers; instead of scaling a white pine, I’d practiced scales on my piano, my hands softening into those of a musician—fleshy and sensitive. And I’d gotten glasses, having grown horrifically nearsighted; long nights of dim lighting and thick books had done this. I couldn’t remember the last time I had lain down on a hill, barefaced, and seen the stars without having to squint. Crawling along the edge of the tent, a spider confirmed my transformation—he disgusted me, and I felt an overwhelming urge to squash him. 

Yet, I realized I hadn’t really changed—I had only shifted perspective. I still eagerly explored new worlds, but through poems and prose rather than pastures and puddles. I’d grown to prefer the boom of a bass over that of a bullfrog, learned to coax a different kind of fire from wood, having developed a burn for writing rhymes and scrawling hypotheses. 

That night, I stayed up late with my journal and wrote about the spider I had decided not to kill. I had tolerated him just barely, only shrieking when he jumped—it helped to watch him decorate the corners of the tent with his delicate webs, knowing that he couldn’t start fires, either. When the night grew cold and the embers died, my words still smoked—my hands burned from all that scrawling—and even when I fell asleep, the ideas kept sparking—I was on fire, always on fire.

This student is an excellent writer, which allows a simple story to be outstandingly compelling. The author articulates her points beautifully and creatively through her immense use of details and figurative language. Lines like “a rustic princess, a cradler of spiders and centipedes, who was serenaded by mourning doves and chickadees,” and “rubbed and rubbed until shreds of skin flaked from my fingers,” create vivid images that draw the reader in. 

The flowery and descriptive prose also contributes to the nice juxtaposition between the old Clara and the new Clara. The latter half of the essay contrasts elements of nature with music and writing to demonstrate how natural these interests are for her now. This sentence perfectly encapsulates the contrast she is trying to build: “It had been years since I’d kneaded mud between my fingers; instead of scaling a white pine, I’d practiced scales on my piano, my hands softening into those of a musician—fleshy and sensitive.”

In addition to being well-written, this essay is thematically cohesive. It begins with the simple introduction “Fire!” and ends with the following image: “When the night grew cold and the embers died, my words still smoked—my hands burned from all that scrawling—and even when I fell asleep, the ideas kept sparking—I was on fire, always on fire.” This full-circle approach leaves readers satisfied and impressed.

There is very little this essay should change, however one thing to be cautious about is having an essay that is overly-descriptive. We know from the essay that this student likes to read and write, and depending on other elements of her application, it might make total sense to have such a flowery and ornate writing style. However, your personal statement needs to reflect your voice as well as your personality. If you would never use language like this in conversation or your writing, don’t put it in your personal statement. Make sure there is a balance between eloquence and your personal voice.

Essay Example #6: Dedicating a Track

“Getting beat is one thing – it’s part of competing – but I want no part in losing.” Coach Rob Stark’s motto never fails to remind me of his encouragement on early-morning bus rides to track meets around the state. I’ve always appreciated the phrase, but an experience last June helped me understand its more profound, universal meaning.

Stark, as we affectionately call him, has coached track at my high school for 25 years. His care, dedication, and emphasis on developing good character has left an enduring impact on me and hundreds of other students. Not only did he help me discover my talent and love for running, but he also taught me the importance of commitment and discipline and to approach every endeavor with the passion and intensity that I bring to running. When I learned a neighboring high school had dedicated their track to a longtime coach, I felt that Stark deserved similar honors.

Our school district’s board of education indicated they would only dedicate our track to Stark if I could demonstrate that he was extraordinary. I took charge and mobilized my teammates to distribute petitions, reach out to alumni, and compile statistics on the many team and individual champions Stark had coached over the years. We received astounding support, collecting almost 3,000 signatures and pages of endorsements from across the community. With help from my teammates, I presented this evidence to the board.

They didn’t bite. 

Most members argued that dedicating the track was a low priority. Knowing that we had to act quickly to convince them of its importance, I called a team meeting where we drafted a rebuttal for the next board meeting. To my surprise, they chose me to deliver it. I was far from the best public speaker in the group, and I felt nervous about going before the unsympathetic board again. However, at that second meeting, I discovered that I enjoy articulating and arguing for something that I’m passionate about.

Public speaking resembles a cross country race. Walking to the starting line, you have to trust your training and quell your last minute doubts. When the gun fires, you can’t think too hard about anything; your performance has to be instinctual, natural, even relaxed. At the next board meeting, the podium was my starting line. As I walked up to it, familiar butterflies fluttered in my stomach. Instead of the track stretching out in front of me, I faced the vast audience of teachers, board members, and my teammates. I felt my adrenaline build, and reassured myself: I’ve put in the work, my argument is powerful and sound. As the board president told me to introduce myself, I heard, “runners set” in the back of my mind. She finished speaking, and Bang! The brief silence was the gunshot for me to begin. 

The next few minutes blurred together, but when the dust settled, I knew from the board members’ expressions and the audience’s thunderous approval that I had run quite a race. Unfortunately, it wasn’t enough; the board voted down our proposal. I was disappointed, but proud of myself, my team, and our collaboration off the track. We stood up for a cause we believed in, and I overcame my worries about being a leader. Although I discovered that changing the status quo through an elected body can be a painstakingly difficult process and requires perseverance, I learned that I enjoy the challenges this effort offers. Last month, one of the school board members joked that I had become a “regular” – I now often show up to meetings to advocate for a variety of causes, including better environmental practices in cafeterias and safer equipment for athletes.

Just as Stark taught me, I worked passionately to achieve my goal. I may have been beaten when I appealed to the board, but I certainly didn’t lose, and that would have made Stark proud.

This essay effectively conveys this student’s compassion for others, initiative, and determination—all great qualities to exemplify in a personal statement!

Although they rely on telling us a lot of what happened up until the board meeting, the use of running a race (their passion) as a metaphor for public speaking provides a lot of insight into the fear that this student overcame to work towards something bigger than themself. Comparing a podium to the starting line, the audience to the track, and silence to the gunshot is a nice way of demonstrating this student’s passion for cross country running without making that the focus of the story.

The essay does a nice job of coming full circle at the end by explaining what the quote from the beginning meant to them after this experience. Without explicitly saying “ I now know that what Stark actually meant is…” they rely on the strength of their argument above to make it obvious to the reader what it means to get beat but not lose. 

One of the biggest areas of improvement in the intro, however, is how the essay tells us Stark’s impact rather than showing us: His care, dedication, and emphasis on developing good character has left an enduring impact on me and hundreds of other students. Not only did he help me discover my talent and love for running, but he also taught me the importance of commitment and discipline and to approach every endeavor with the passion and intensity that I bring to running.

The writer could’ve helped us feel a stronger emotional connection to Stark if they had included examples of Stark’s qualities, rather than explicitly stating them. For example, they could’ve written something like: Stark was the kind of person who would give you gas money if you told him your parents couldn’t afford to pick you up from practice. And he actually did that—several times. At track meets, alumni regularly would come talk to him and tell him how he’d changed their lives. Before Stark, I was ambivalent about running and was on the JV team, but his encouragement motivated me to run longer and harder and eventually make varsity. Because of him, I approach every endeavor with the passion and intensity that I bring to running.

Essay Example #7: Body Image and Eating Disorders

I press the “discover” button on my Instagram app, hoping to find enticing pictures to satisfy my boredom. Scrolling through, I see funny videos and mouth-watering pictures of food. However, one image stops me immediately. A fit teenage girl with a “perfect body” relaxes in a bikini on a beach. Beneath it, I see a slew of flattering comments. I shake with disapproval over the image’s unrealistic quality. However, part of me still wants to have a body like hers so that others will make similar comments to me.

I would like to resolve a silent issue that harms many teenagers and adults: negative self image and low self-esteem in a world where social media shapes how people view each other. When people see the façades others wear to create an “ideal” image, they can develop poor thought patterns rooted in negative self-talk. The constant comparisons to “perfect” others make people feel small. In this new digital age, it is hard to distinguish authentic from artificial representations.

When I was 11, I developed anorexia nervosa. Though I was already thin, I wanted to be skinny like the models that I saw on the magazine covers on the grocery store stands. Little did I know that those models probably also suffered from disorders, and that photoshop erased their flaws. I preferred being underweight to being healthy. No matter how little I ate or how thin I was, I always thought that I was too fat. I became obsessed with the number on the scale and would try to eat the least that I could without my parents urging me to take more. Fortunately, I stopped engaging in anorexic behaviors before middle school. However, my underlying mental habits did not change. The images that had provoked my disorder in the first place were still a constant presence in my life.

By age 15, I was in recovery from anorexia, but suffered from depression. While I used to only compare myself to models, the growth of social media meant I also compared myself to my friends and acquaintances. I felt left out when I saw my friends’ excitement about lake trips they had taken without me. As I scrolled past endless photos of my flawless, thin classmates with hundreds of likes and affirming comments, I felt my jealousy spiral. I wanted to be admired and loved by other people too. However, I felt that I could never be enough. I began to hate the way that I looked, and felt nothing in my life was good enough. I wanted to be called “perfect” and “body goals,” so I tried to only post at certain times of day to maximize my “likes.” When that didn’t work, I started to feel too anxious to post anything at all.  

Body image insecurities and social media comparisons affect thousands of people – men, women, children, and adults – every day. I am lucky – after a few months of my destructive social media habits, I came across a video that pointed out the illusory nature of social media; many Instagram posts only show off good things while people hide their flaws. I began going to therapy, and recovered from my depression. To address the problem of self-image and social media, we can all focus on what matters on the inside and not what is on the surface. As an effort to become healthy internally, I started a club at my school to promote clean eating and radiating beauty from within. It has helped me grow in my confidence, and today I’m not afraid to show others my struggles by sharing my experience with eating disorders. Someday, I hope to make this club a national organization to help teenagers and adults across the country. I support the idea of body positivity and embracing difference, not “perfection.” After all, how can we be ourselves if we all look the same?

This essay covers the difficult topics of eating disorders and mental health. If you’re thinking about covering similar topics in your essay, we recommend reading our post Should You Talk About Mental Health in College Essays?

The short answer is that, yes, you can talk about mental health, but it can be risky. If you do go that route, it’s important to focus on what you learned from the experience.

The strength of this essay is the student’s vulnerability, in excerpts such as this: I wanted to be admired and loved by other people too. However, I felt that I could never be enough. I began to hate the way that I looked, and felt nothing in my life was good enough. I wanted to be called “perfect” and “body goals,” so I tried to only post at certain times of day to maximize my “likes.”

The student goes on to share how they recovered from their depression through an eye-opening video and therapy sessions, and they’re now helping others find their self-worth as well. It’s great that this essay looks towards the future and shares the writer’s goals of making their club a national organization; we can see their ambition and compassion.

The main weakness of this essay is that it doesn’t focus enough on their recovery process, which is arguably the most important part. They could’ve told us more about the video they watched or the process of starting their club and the interactions they’ve had with other members. Especially when sharing such a vulnerable topic, there should be vulnerability in the recovery process too. That way, the reader can fully appreciate all that this student has overcome.

Essay Example #8: Becoming a Coach

”Advanced females ages 13 to 14 please proceed to staging with your coaches at this time.” Skittering around the room, eyes wide and pleading, I frantically explained my situation to nearby coaches. The seconds ticked away in my head; every polite refusal increased my desperation.

Despair weighed me down. I sank to my knees as a stream of competitors, coaches, and officials flowed around me. My dojang had no coach, and the tournament rules prohibited me from competing without one.

Although I wanted to remain strong, doubts began to cloud my mind. I could not help wondering: what was the point of perfecting my skills if I would never even compete? The other members of my team, who had found coaches minutes earlier, attempted to comfort me, but I barely heard their words. They couldn’t understand my despair at being left on the outside, and I never wanted them to understand.

Since my first lesson 12 years ago, the members of my dojang have become family. I have watched them grow up, finding my own happiness in theirs. Together, we have honed our kicks, blocks, and strikes. We have pushed one another to aim higher and become better martial artists. Although my dojang had searched for a reliable coach for years, we had not found one. When we attended competitions in the past, my teammates and I had always gotten lucky and found a sympathetic coach. Now, I knew this practice was unsustainable. It would devastate me to see the other members of my dojang in my situation, unable to compete and losing hope as a result. My dojang needed a coach, and I decided it was up to me to find one.

I first approached the adults in the dojang – both instructors and members’ parents. However, these attempts only reacquainted me with polite refusals. Everyone I asked told me they couldn’t devote multiple weekends per year to competitions. I soon realized that I would have become the coach myself.

At first, the inner workings of tournaments were a mystery to me. To prepare myself for success as a coach, I spent the next year as an official and took coaching classes on the side. I learned everything from motivational strategies to technical, behind-the-scenes components of Taekwondo competitions. Though I emerged with new knowledge and confidence in my capabilities, others did not share this faith.

Parents threw me disbelieving looks when they learned that their children’s coach was only a child herself. My self-confidence was my armor, deflecting their surly glances. Every armor is penetrable, however, and as the relentless barrage of doubts pounded my resilience, it began to wear down. I grew unsure of my own abilities.

Despite the attack, I refused to give up. When I saw the shining eyes of the youngest students preparing for their first competition, I knew I couldn’t let them down. To quit would be to set them up to be barred from competing like I was. The knowledge that I could solve my dojang’s longtime problem motivated me to overcome my apprehension.

Now that my dojang flourishes at competitions, the attacks on me have weakened, but not ended. I may never win the approval of every parent; at times, I am still tormented by doubts, but I find solace in the fact that members of my dojang now only worry about competing to the best of their abilities.

Now, as I arrive at a tournament with my students, I close my eyes and remember the past. I visualize the frantic search for a coach and the chaos amongst my teammates as we competed with one another to find coaches before the staging calls for our respective divisions. I open my eyes to the exact opposite scene. Lacking a coach hurt my ability to compete, but I am proud to know that no member of my dojang will have to face that problem again.

This essay begins with an in-the-moment narrative that really illustrates the chaos of looking for a coach last-minute. We feel the writer’s emotions, particularly her dejectedness, at not being able to compete. Starting an essay in media res  is a great way to capture the attention of your readers and build anticipation for what comes next.

Through this essay, we can see how gutsy and determined the student is in deciding to become a coach themselves. She shows us these characteristics through their actions, rather than explicitly telling us: To prepare myself for success as a coach, I spent the next year as an official and took coaching classes on the side.  Also, by discussing the opposition she faced and how it affected her, the student is open and vulnerable about the reality of the situation.

The essay comes full circle as the author recalls the frantic situations in seeking out a coach, but this is no longer a concern for them and their team. Overall, this essay is extremely effective in painting this student as mature, bold, and compassionate.

The biggest thing this essay needs to work on is showing not telling. Throughout the essay, the student tells us that she “emerged with new knowledge and confidence,” she “grew unsure of her own abilities,” and she “refused to give up”. What we really want to know is what this looks like.

Instead of saying she “emerged with new knowledge and confidence” she should have shared how she taught a new move to a fellow team-member without hesitation. Rather than telling us she “grew unsure of her own abilities” she should have shown what that looked like by including her internal dialogue and rhetorical questions that ran through her mind. She could have demonstrated what “refusing to give up” looks like by explaining how she kept learning coaching techniques on her own, turned to a mentor for advice, or devised a plan to win over the trust of parents. 

Essay Example #9: Eritrea

No one knows where Eritrea is.

On the first day of school, for the past nine years, I would pensively stand in front of a class, a teacher, a stranger  waiting for the inevitable question: Where are you from?

I smile politely, my dimples accentuating my ambiguous features. “Eritrea,” I answer promptly and proudly. But I  am always prepared. Before their expression can deepen into confusion, ready to ask “where is that,” I elaborate,  perhaps with a fleeting hint of exasperation, “East Africa, near Ethiopia.”

Sometimes, I single out the key-shaped hermit nation on a map, stunning teachers who have “never had a student  from there!” Grinning, I resist the urge to remark, “You didn’t even know it existed until two minutes ago!”

Eritrea is to the East of Ethiopia, its arid coastline clutches the lucrative Red Sea. Battle scars litter the ancient  streets – the colonial Italian architecture lathered with bullet holes, the mosques mangled with mortar shells.  Originally part of the world’s first Christian kingdom, Eritrea passed through the hands of colonial Italy, Britain, and  Ethiopia for over a century, until a bloody thirty year war of Independence liberated us.

But these are facts that anyone can know with a quick Google search. These are facts that I have memorised and compounded, first from my Grandmother and now from pristine books  borrowed from the library.

No historical narrative, however, can adequately capture what Eritrea is.  No one knows the aroma of bushels of potatoes, tomatoes, and garlic – still covered in dirt – that leads you to the open-air market. No one knows the poignant scent of spices, arranged in orange piles reminiscent of compacted  dunes.  No one knows how to haggle stubborn herders for sheep and roosters for Christmas celebrations as deliberately as my mother. No one can replicate the perfect balance of spices in dorho and tsebhi as well as my grandmother,  her gnarly hands stirring the pot with ancient precision (chastising my clumsy knife work with the potatoes).  It’s impossible to learn when the injera is ready – the exact moment you have to lift the lid of the mogogo. Do it too  early (or too late) and the flatbread becomes mangled and gross. It is a sixth sense passed through matriarchal  lineages.

There are no sources that catalogue the scent of incense that wafts through the sunlit porch on St. Michael’s; no  films that can capture the luminescence of hundreds of flaming bonfires that fluoresce the sidewalks on Kudus  Yohannes, as excited children chant Ge’ez proverbs whose origin has been lost to time.  You cannot learn the familiarity of walking beneath the towering Gothic figure of the Enda Mariam Cathedral, the  crowds undulating to the ringing of the archaic bells.  I have memorized the sound of the rains hounding the metal roof during kiremti , the heat of the sun pounding  against the Toyota’s window as we sped down towards Ghinda , the opulent brilliance of the stars twinkling in a  sky untainted by light pollution, the scent of warm rolls of bani wafting through the streets at precisely 6 o’clock each day…

I fill my flimsy sketchbook with pictures from my memory. My hand remembers the shapes of the hibiscus drifting  in the wind, the outline of my grandmother (affectionately nicknamed a’abaye ) leaning over the garden, the bizarre architecture of the Fiat Tagliero .  I dice the vegetables with movements handed down from generations. My nose remembers the scent of frying garlic, the sourness of the warm tayta , the sharpness of the mit’mt’a …

This knowledge is intrinsic.  “I am Eritrean,” I repeat. “I am proud.”  Within me is an encyclopedia of history, culture, and idealism.

Eritrea is the coffee made from scratch, the spices drying in the sun, the priests and nuns. Eritrea is wise, filled with ambition, and unseen potential.  Eritrea isn’t a place, it’s an identity.

This is an exceptional essay that provides a window into this student’s culture that really makes their love for their country and heritage leap off the page. The sheer level of details and sensory descriptors this student is able to fit in this space makes the essay stand out. From the smells, to the traditions, sounds, and sights, the author encapsulates all the glory of Eritrea for the reader. 

The vivid images this student is able to create for the reader, whether it is having the tedious conversation with every teacher or cooking in their grandmother’s kitchen, transports us into the story and makes us feel like we are there in the moment with the student. This is a prime example of an essay that shows , not tells.

Besides the amazing imagery, the use of shorter paragraphs also contributes to how engaging this essay is. Employing this tactic helps break up the text to make it more readable and it isolates ideas so they stick out more than if they were enveloped in a large paragraph.

Overall, this is a really strong essay that brings to life this student’s heritage through its use of vivid imagery. This essay exemplifies what it means to show not tell in your writing, and it is a great example of how you can write an intimate personal statement without making yourself the primary focus of your essay. 

There is very little this essay should improve upon, but one thing the student might consider would be to inject more personal reflection into their response. Although we can clearly take away their deep love and passion for their homeland and culture, the essay would be a bit more personal if they included the emotions and feelings they associate with the various aspects of Eritrea. For example, the way their heart swells with pride when their grandmother praises their ability to cook a flatbread or the feeling of serenity when they hear the bells ring out from the cathedral. Including personal details as well as sensory ones would create a wonderful balance of imagery and reflection.

Essay Example #10: Journaling

Flipping past dozens of colorful entries in my journal, I arrive at the final blank sheet. I press my pen lightly to the page, barely scratching its surface to create a series of loops stringing together into sentences. Emotions spill out, and with their release, I feel lightness in my chest. The stream of thoughts slows as I reach the bottom of the page, and I gently close the cover of the worn book: another journal finished.

I add the journal to the stack of eleven books on my nightstand. Struck by the bittersweet sensation of closing a chapter of my life, I grab the notebook at the bottom of the pile to reminisce.

“I want to make a flying mushen to fly in space and your in it” – October 2008

Pulling back the cover of my first Tinkerbell-themed diary, the prompt “My Hopes and Dreams” captures my attention. Though “machine” is misspelled in my scribbled response, I see the beginnings of my past obsession with outer space. At the age of five, I tore through novels about the solar system, experimented with rockets built from plastic straws, and rented Space Shuttle films from Blockbuster to satisfy my curiosities. While I chased down answers to questions as limitless as the universe, I fell in love with learning. Eight journals later, the same relentless curiosity brought me to an airplane descending on San Francisco Bay.

“I wish I had infinite sunsets” – July 2019

I reach for the charcoal notepad near the top of the pile and open to the first page: my flight to the Stanford Pre-Collegiate Summer Institutes. While I was excited to explore bioengineering, anxiety twisted in my stomach as I imagined my destination, unsure of whether I could overcome my shyness and connect with others.

With each new conversation, the sweat on my palms became less noticeable, and I met students from 23 different countries. Many of the moments where I challenged myself socially revolved around the third story deck of the Jerry house. A strange medley of English, Arabic, and Mandarin filled the summer air as my friends and I gathered there every evening, and dialogues at sunset soon became moments of bliss. In our conversations about cultural differences, the possibility of an afterlife, and the plausibility of far-fetched conspiracy theories, I learned to voice my opinion. As I was introduced to different viewpoints, these moments challenged my understanding of the world around me. In my final entries from California, I find excitement to learn from others and increased confidence, a tool that would later allow me to impact my community.

“The beauty in a tower of cans” – June 2020

Returning my gaze to the stack of journals, I stretch to take the floral-patterned book sitting on top. I flip through, eventually finding the beginnings of the organization I created during the outbreak of COVID-19. Since then, Door-to-Door Deliveries has woven its way through my entries and into reality, allowing me to aid high-risk populations through free grocery delivery.

With the confidence I gained the summer before, I took action when seeing others in need rather than letting my shyness hold me back. I reached out to local churches and senior centers to spread word of our services and interacted with customers through our website and social media pages. To further expand our impact, we held two food drives, and I mustered the courage to ask for donations door-to-door. In a tower of canned donations, I saw the value of reaching out to help others and realized my own potential to impact the world around me.

I delicately close the journal in my hands, smiling softly as the memories reappear, one after another. Reaching under my bed, I pull out a fresh notebook and open to its first sheet. I lightly press my pen to the page, “And so begins the next chapter…”

The structuring of this essay makes it easy and enjoyable to read. The student effectively organizes their various life experiences around their tower of journals, which centers the reader and makes the different stories easy to follow. Additionally, the student engages quotes from their journals—and unique formatting of the quotes—to signal that they are moving in time and show us which memory we should follow them to.

Thematically, the student uses the idea of shyness to connect the different memories they draw out of their journals. As the student describes their experiences overcoming shyness at the Stanford Pre-Collegiate Summer Institutes and Door-to-Door Deliveries, this essay can be read as an Overcoming Obstacles essay.

At the end of this essay, readers are fully convinced that this student is dedicated (they have committed to journaling every day), thoughtful (journaling is a thoughtful process and, in the essay, the student reflects thoughtfully on the past), and motivated (they flew across the country for a summer program and started a business). These are definitely qualities admissions officers are looking for in applicants!

Although this essay is already exceptionally strong as it’s written, the first journal entry feels out of place compared to the other two entries that discuss the author’s shyness and determination. It works well for the essay to have an entry from when the student was younger to add some humor (with misspelled words) and nostalgia, but if the student had either connected the quote they chose to the idea of overcoming a fear present in the other two anecdotes or if they had picked a different quote all together related to their shyness, it would have made the entire essay feel more cohesive.

Where to Get Your Personal Statement Edited

Do you want feedback on your personal statement? After rereading your essays countless times, it can be difficult to evaluate your writing objectively. That’s why we created our free Peer Essay Review tool , where you can get a free review of your essay from another student. You can also improve your own writing skills by reviewing other students’ essays. 

If you want a college admissions expert to review your essay, advisors on CollegeVine have helped students refine their writing and submit successful applications to top schools. Find the right advisor for you to improve your chances of getting into your dream school!

Next Step: Supplemental Essays

Essay Guides for Each School

How to Write a Stellar Extracurricular Activity College Essay

4 Tips for Writing a Diversity College Essay

How to Write the “Why This College” Essay

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• Knowledge Base
• Applying to graduate school
• How to Write Your Personal Statement | Strategies & Examples

How to Write Your Personal Statement | Strategies & Examples

Published on February 12, 2019 by Shona McCombes . Revised on July 3, 2023.

A personal statement is a short essay of around 500–1,000 words, in which you tell a compelling story about who you are, what drives you, and why you’re applying.

To write a successful personal statement for a graduate school application , don’t just summarize your experience; instead, craft a focused narrative in your own voice. Aim to demonstrate three things:

• Your personality: what are your interests, values, and motivations?
• Your talents: what can you bring to the program?
• Your goals: what do you hope the program will do for you?

This article guides you through some winning strategies to build a strong, well-structured personal statement for a master’s or PhD application. You can download the full examples below.

Urban Planning Psychology History

Table of contents

Getting started with your personal statement, the introduction: start with an attention-grabbing opening, the main body: craft your narrative, the conclusion: look ahead, revising, editing, and proofreading your personal statement, frequently asked questions, other interesting articles.

Before you start writing, the first step is to understand exactly what’s expected of you. If the application gives you a question or prompt for your personal statement, the most important thing is to respond to it directly.

For example, you might be asked to focus on the development of your personal identity; challenges you have faced in your life; or your career motivations. This will shape your focus and emphasis—but you still need to find your own unique approach to answering it.

There’s no universal template for a personal statement; it’s your chance to be creative and let your own voice shine through. But there are strategies you can use to build a compelling, well-structured story.

The first paragraph of your personal statement should set the tone and lead smoothly into the story you want to tell.

Strategy 1: Open with a concrete scene

An effective way to catch the reader’s attention is to set up a scene that illustrates something about your character and interests. If you’re stuck, try thinking about:

• A personal experience that changed your perspective
• A story from your family’s history
• A memorable teacher or learning experience
• An unusual or unexpected encounter

To write an effective scene, try to go beyond straightforward description; start with an intriguing sentence that pulls the reader in, and give concrete details to create a convincing atmosphere.

Strategy 2: Open with your motivations

To emphasize your enthusiasm and commitment, you can start by explaining your interest in the subject you want to study or the career path you want to follow.

Just stating that it interests you isn’t enough: first, you need to figure out why you’re interested in this field:

• Is it a longstanding passion or a recent discovery?
• Does it come naturally or have you had to work hard at it?
• How does it fit into the rest of your life?
• What do you think it contributes to society?

Tips for the introduction

• Don’t start on a cliche: avoid phrases like “Ever since I was a child…” or “For as long as I can remember…”
• Do save the introduction for last. If you’re struggling to come up with a strong opening, leave it aside, and note down any interesting ideas that occur to you as you write the rest of the personal statement.

Once you’ve set up the main themes of your personal statement, you’ll delve into more detail about your experiences and motivations.

To structure the body of your personal statement, there are various strategies you can use.

Strategy 1: Describe your development over time

One of the simplest strategies is to give a chronological overview of key experiences that have led you to apply for graduate school.

• What first sparked your interest in the field?
• Which classes, assignments, classmates, internships, or other activities helped you develop your knowledge and skills?
• Where do you want to go next? How does this program fit into your future plans?

Don’t try to include absolutely everything you’ve done—pick out highlights that are relevant to your application. Aim to craft a compelling narrative that shows how you’ve changed and actively developed yourself.

My interest in psychology was first sparked early in my high school career. Though somewhat scientifically inclined, I found that what interested me most was not the equations we learned about in physics and chemistry, but the motivations and perceptions of my fellow students, and the subtle social dynamics that I observed inside and outside the classroom. I wanted to learn how our identities, beliefs, and behaviours are shaped through our interactions with others, so I decided to major in Social Psychology. My undergraduate studies deepened my understanding of, and fascination with, the interplay between an individual mind and its social context.During my studies, I acquired a solid foundation of knowledge about concepts like social influence and group dynamics, but I also took classes on various topics not strictly related to my major. I was particularly interested in how other fields intersect with psychology—the classes I took on media studies, biology, and literature all enhanced my understanding of psychological concepts by providing different lenses through which to look at the issues involved.

Strategy 2: Own your challenges and obstacles

If your path to graduate school hasn’t been easy or straightforward, you can turn this into a strength, and structure your personal statement as a story of overcoming obstacles.

• Is your social, cultural or economic background underrepresented in the field? Show how your experiences will contribute a unique perspective.
• Do you have gaps in your resume or lower-than-ideal grades? Explain the challenges you faced and how you dealt with them.

Don’t focus too heavily on negatives, but use them to highlight your positive qualities. Resilience, resourcefulness and perseverance make you a promising graduate school candidate.

Growing up working class, urban decay becomes depressingly familiar. The sight of a row of abandoned houses does not surprise me, but it continues to bother me. Since high school, I have been determined to pursue a career in urban planning. While people of my background experience the consequences of urban planning decisions first-hand, we are underrepresented in the field itself. Ironically, given my motivation, my economic background has made my studies challenging. I was fortunate enough to be awarded a scholarship for my undergraduate studies, but after graduation I took jobs in unrelated fields to help support my parents. In the three years since, I have not lost my ambition. Now I am keen to resume my studies, and I believe I can bring an invaluable perspective to the table: that of the people most impacted by the decisions of urban planners.

Strategy 3: Demonstrate your knowledge of the field

Especially if you’re applying for a PhD or another research-focused program, it’s a good idea to show your familiarity with the subject and the department. Your personal statement can focus on the area you want to specialize in and reflect on why it matters to you.

• Reflect on the topics or themes that you’ve focused on in your studies. What draws you to them?
• Discuss any academic achievements, influential teachers, or other highlights of your education.
• Talk about the questions you’d like to explore in your research and why you think they’re important.

The personal statement isn’t a research proposal , so don’t go overboard on detail—but it’s a great opportunity to show your enthusiasm for the field and your capacity for original thinking.

In applying for this research program, my intention is to build on the multidisciplinary approach I have taken in my studies so far, combining knowledge from disparate fields of study to better understand psychological concepts and issues. The Media Psychology program stands out to me as the perfect environment for this kind of research, given its researchers’ openness to collaboration across diverse fields. I am impressed by the department’s innovative interdisciplinary projects that focus on the shifting landscape of media and technology, and I hope that my own work can follow a similarly trailblazing approach. More specifically, I want to develop my understanding of the intersection of psychology and media studies, and explore how media psychology theories and methods might be applied to neurodivergent minds. I am interested not only in media psychology but also in psychological disorders, and how the two interact. This is something I touched on during my undergraduate studies and that I’m excited to delve into further.

Strategy 4: Discuss your professional ambitions

Especially if you’re applying for a more professionally-oriented program (such as an MBA), it’s a good idea to focus on concrete goals and how the program will help you achieve them.

• If your career is just getting started, show how your character is suited to the field, and explain how graduate school will help you develop your talents.
• If you have already worked in the profession, show what you’ve achieved so far, and explain how the program will allow you to take the next step.
• If you are planning a career change, explain what has driven this decision and how your existing experience will help you succeed.

Don’t just state the position you want to achieve. You should demonstrate that you’ve put plenty of thought into your career plans and show why you’re well-suited to this profession.

One thing that fascinated me about the field during my undergraduate studies was the sheer number of different elements whose interactions constitute a person’s experience of an urban environment. Any number of factors could transform the scene I described at the beginning: What if there were no bus route? Better community outreach in the neighborhood? Worse law enforcement? More or fewer jobs available in the area? Some of these factors are out of the hands of an urban planner, but without taking them all into consideration, the planner has an incomplete picture of their task. Through further study I hope to develop my understanding of how these disparate elements combine and interact to create the urban environment. I am interested in the social, psychological and political effects our surroundings have on our lives. My studies will allow me to work on projects directly affecting the kinds of working-class urban communities I know well. I believe I can bring my own experiences, as well as my education, to bear upon the problem of improving infrastructure and quality of life in these communities.

Tips for the main body

• Don’t rehash your resume by trying to summarize everything you’ve done so far; the personal statement isn’t about listing your academic or professional experience, but about reflecting, evaluating, and relating it to broader themes.
• Do make your statements into stories: Instead of saying you’re hard-working and self-motivated, write about your internship where you took the initiative to start a new project. Instead of saying you’ve always loved reading, reflect on a novel or poem that changed your perspective.

Your conclusion should bring the focus back to the program and what you hope to get out of it, whether that’s developing practical skills, exploring intellectual questions, or both.

Emphasize the fit with your specific interests, showing why this program would be the best way to achieve your aims.

Strategy 1: What do you want to know?

If you’re applying for a more academic or research-focused program, end on a note of curiosity: what do you hope to learn, and why do you think this is the best place to learn it?

If there are specific classes or faculty members that you’re excited to learn from, this is the place to express your enthusiasm.

Strategy 2: What do you want to do?

If you’re applying for a program that focuses more on professional training, your conclusion can look to your career aspirations: what role do you want to play in society, and why is this program the best choice to help you get there?

Tips for the conclusion

• Don’t summarize what you’ve already said. You have limited space in a personal statement, so use it wisely!
• Do think bigger than yourself: try to express how your individual aspirations relate to your local community, your academic field, or society more broadly. It’s not just about what you’ll get out of graduate school, but about what you’ll be able to give back.

You’ll be expected to do a lot of writing in graduate school, so make a good first impression: leave yourself plenty of time to revise and polish the text.

Your style doesn’t have to be as formal as other kinds of academic writing, but it should be clear, direct and coherent. Make sure that each paragraph flows smoothly from the last, using topic sentences and transitions to create clear connections between each part.

Don’t be afraid to rewrite and restructure as much as necessary. Since you have a lot of freedom in the structure of a personal statement, you can experiment and move information around to see what works best.

Finally, it’s essential to carefully proofread your personal statement and fix any language errors. Before you submit your application, consider investing in professional personal statement editing . For $150, you have the peace of mind that your personal statement is grammatically correct, strong in term of your arguments, and free of awkward mistakes.

A statement of purpose is usually more formal, focusing on your academic or professional goals. It shouldn’t include anything that isn’t directly relevant to the application.

A personal statement can often be more creative. It might tell a story that isn’t directly related to the application, but that shows something about your personality, values, and motivations.

However, both types of document have the same overall goal: to demonstrate your potential as a graduate student and s how why you’re a great match for the program.

The typical length of a personal statement for graduate school applications is between 500 and 1,000 words.

Different programs have different requirements, so always check if there’s a minimum or maximum length and stick to the guidelines. If there is no recommended word count, aim for no more than 1-2 pages.

If you’re applying to multiple graduate school programs, you should tailor your personal statement to each application.

Some applications provide a prompt or question. In this case, you might have to write a new personal statement from scratch: the most important task is to respond to what you have been asked.

If there’s no prompt or guidelines, you can re-use the same idea for your personal statement – but change the details wherever relevant, making sure to emphasize why you’re applying to this specific program.

If the application also includes other essays, such as a statement of purpose , you might have to revise your personal statement to avoid repeating the same information.

If you want to know more about college essays , academic writing , and AI tools , make sure to check out some of our other language articles with explanations, examples, and quizzes.

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• College essay style
• College essay length
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• Avoiding repetition
• Literature review
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• Thesis acknowledgements
• Burned or burnt
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• Gray or grey
• Theater vs theatre

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Writing Your Personal Statements

Your personal statement must demonstrate to the admissions committee that you have considered graduate school and their specific program seriously. It’s your opportunity to summarize your academic and research experiences. You must also communicate how your experiences are relevant to preparing you for the graduate degree that you will be pursuing and explain why a given program is the right one for you.

The personal statement is where you highlight your strengths. Make your strengths absolutely clear to the reviewers, because they will often be reading many other statements. Your self-assessments and honest conversations with peers and advisors should have also revealed your strengths. But you must also address (not blame others for) weaknesses or unusual aspects of your application or academic background.

Your personal statement should focus on two main aspects: your competence and commitment.

1. Identify your strengths in terms of competence that indicate that you will succeed in the grad program and provide examples to support your claims. Start your statement by describing your strengths immediately. Because faculty will be reading many statements, it’s important to start off with your strengths and not “bury your lede.” Consider traits of successful graduate students from your informational interviews, and identify which of these traits you have. These traits could involve research skills and experiences, expertise in working with techniques or instruments, familiarity with professional networks and resources in your field, etc.

• Check your responses from the exercises in the self-assessment section. You may wish to consult notes from your informational interviews and your Seven Stories . Write concise summaries and stories that demonstrate your strengths, e.g. how your strengths helped you to achieve certain goals or overcome obstacles.
• Summarize your research experience(s). What were the main project goals and the “big picture” questions? What was your role in this project? What did you accomplish? What did you learn, and how did you grow as a result of the experience(s)?

My research examines the interplay between U.S. domestic politics and foreign policy during the Cold War. As a native New Yorker, I saw firsthand how dramatically my city changed after 9/11, which prompted my early interest in U.S. policy at home and abroad. As an undergraduate at the City College of New York, I planned to study international relations with a focus on U.S. foreign affairs. I also quickly became involved in student activist groups that focused on raising awareness about a wide range of human rights issues, from the Syrian refugee crisis to asylum seekers from Central America.

The more I learned about the crises in the present, the more I realized that I needed a deeper understanding of the past to fully grasp them. I decided to pursue a PhD in history in order to gain a clearer understanding of human rights issues in the present and to empower young student-activists like myself.

— Vannessa Velez, PhD candidate in History

Addressing weaknesses or unusual aspects

• Identify weaknesses or unusual aspects in your application—e.g., a significant drop in your GPA during a term; weak GRE scores; changes in your academic trajectory, etc. Don’t ignore them, because ignoring them might be interpreted as blind spots for you. If you’re unsure if a particular issue is significant enough to address, seek advice from faculty mentors.
• Explain how you’ll improve and strengthen those areas or work around your weakness. Determine how you will address them in a positive light, e.g., by discussing how you overcame obstacles through persistence, what you learned from challenges, and how you grew from failures. Focusing on a growth mindset  or grit  and this blog on weaknesses might also help.
• Deal with any significant unusual aspects later in the statement to allow a positive impression to develop first.
• Explain, rather than provide excuses—i.e., address the issue directly and don’t blame others (even if you believe someone else is responsible). Draft it and get feedback from others to see if the explanation is working as you want it to.
• Provide supporting empirical evidence if possible. For example, “Adjusting to college was a major step for me, coming from a small high school and as a first-generation college student. My freshman GPA was not up to par with my typical achievements, as demonstrated by my improved  GPA of 3.8 during my second and third years in college."
• Be concise (don’t dwell on the issues), but also be complete (don’t lead to other potentially unanswered questions). For example, if a drop in grades during a term was due to a health issue, explain whether the health issue is recurring, managed now with medication, resolved, etc.

2. Explain your commitment to research and their graduate program, including your motivation for why you are applying to this graduate program at this university. Be as specific as possible. Identify several faculty members with whom you are interested in working, and explain why their research interests you.

• Descriptions of your commitment should explain why you’re passionate about this particular academic field and provide demonstrations of your commitment with stories (e.g., working long hours to solve a problem, overcoming challenges in research, resilience in pursuing problems). Don’t merely assert your commitment.
• Explain why you are applying to graduate school, as opposed to seeking a professional degree or a job. Discuss your interest and motivation for grad school, along with your future career aspirations.

I am definitely not your traditional graduate student. As a biracial (Native American and white), first-generation PhD student from a military family, I had very limited guidance on how best to pursue my education, especially when I decided that graduate school was a good idea. I ended up coming to this PhD in a very circuitous manner, stopping first to get a JD and, later, an MFA in Young Adult Literature. With each degree, I took time to work and apply what I’d learned, as a lawyer and as an educator. Each time, I realized that I was circling around questions that I couldn’t let go of—not just because I found them to be fascinating, but because I did (and still do!) feel that my research could help to bridge a gap that desperately needs bridging. Because my work is quite interdisciplinary, I strongly feel that I wouldn’t have been able to pursue this line of research without the degrees and life experience I gained before coming to this program.

— Jamie Fine, PhD candidate in Modern Thought and Literature

Statement of Purpose: subtle aspects

• Think in terms of engaging faculty in a conversation rather than pleading with them that you should be admitted. Ask reviewers to read drafts with this concern in mind.
• With later drafts, try developing an overall narrative theme. See if one emerges as you work.
• Write at least 10 drafts and expect your thinking and the essay to change quite a bit over time.
• Read drafts out loud to help you catch errors.
• Expect the "you' that emerges in your essay to be incomplete. . . that’s OK.
• You’re sharing a professional/scholarly slice of "you."
• Avoid humor (do you really know what senior academics find funny?) and flashy openings and closings. Think of pitching the essay to an educated person in the field, but not necessarily in your specialty. Avoid emotionally laden words (such as "love" or "passion"). Remember, your audience is a group of professors! Overly emotional appeals might make them uncomfortable. They are looking for scholarly colleagues.

© Stanford University, Stanford, California 94305

How To Write a Personal Statement That Stands Out

Table of contents

Laura Jane Bradbury

A personal statement is a chance to highlight your unique qualities, skills, and experiences, all while showcasing your personality.

But whether you're applying for university, a job, or funding, it can be daunting to write about yourself. To increase your chances of getting accepted, it's important to know how to create an effective personal statement.

In my six years as a copywriter, I’ve written many personal statements that get results. In this article, I’ll guide you through what to include, what to avoid, and how to tailor a personal statement based on your application type.

Key Takeaways

• A personal statement is an opportunity to share your unique qualities, experiences, and skills.
• It should always relate to the course, job, or funding you are applying for.
• Include accomplishments and experiences that demonstrate how suited you are to the position or course you are applying for.
• Use clear and simple language to ensure your points are understood.

Your personal statement should be concise and demonstrate how you fit the position or opportunity you’re applying for. It’s important to keep information relevant, rather than listing all of your skills and accomplishments.

Follow these steps to accurately write and tailor your statement.

Understand your prompt

Before you start, make sure you understand what's expected of you. Are there specific instructions, keywords, or phrases that stand out in your prompt? Read through it thoroughly and note the requirements. You can then brainstorm ideas for each point.

Let's say I'm applying for a university journalism course. I've been asked to write a statement that shares why I'm interested and why I would be a good fit. I can use columns to plan my content:

Putting your ideas together first makes it easier to stay on track. Otherwise, you might lose focus and include irrelevant information. 

Show, don't just tell

Once you’ve listed your experiences, skills, and accomplishments, consider how you can demonstrate them with examples. Take a look at the list you created during the previous exercise and organize your points so you have clear examples and proof.

This technique helps you demonstrate your experiences and how they tie in with your application.

When telling anecdotes, use engaging stories that demonstrate your skills. For instance, a story about how I handled a fast-paced news internship proves I work well under pressure. 

Start strong

Recruiters, application tutors, and funders read lots of personal statements. You can make yours stand out with an engaging introduction.

Examples of a strong opening include:

A meaningful statistic

This draws readers in and increases credibility: 

"Communication is the key to marketing success, according to Business Marketing News. With five years of experience communicating and delivering campaigns to global clients, I have the skills and passion to add value to your team."

A personal story

Anecdotes connect the reader with the author’s real-life experience: 

"My first exposure to microbiology was during my time as a research assistant for a microbiologist. I was fascinated by the complex and intricate processes within cells."

An alarming statement

This piques the reader’s interest by making an issue seem urgent:  

“ The fashion industry churns out clothes at an alarming rate, causing mass production of synthetic fibers and harsh chemicals which have a detrimental impact on the planet. Funding my sustainability initiative is vital to mitigating this environmental impact." 

Avoid cliches such as "From a young age, I have always loved...." and "For as long as I can remember, I have had a passion for..."

Pro tip: Use Wordtune Editor 's Shorten feature to cut unnecessary fluff and make your intro sharper. Simply type in your sentence and click Shorten to receive suggestions.

Get Wordtune for free > Get Wordtune for free >

Admission committees and employers appreciate sincerity and authenticity. While it may be tempting, avoid exaggeration. You can better emphasize your skills and personality by being honest. For instance, rather than claiming I read every type of newspaper in my journalism application, I can focus on my dedication to reading The New York Times.

Your writing style should also feel genuine. Instead of trying to impress with complex language and fancy words, keep sentences simple and direct . This makes them more effective because they’re easier to read. 

Address weaknesses

Addressing weaknesses can show your willingness to confront challenges. It also gives you a chance to share efforts you have made for improvement. When explaining a weakness, exclude excuses.

Instead of saying "I didn't achieve my expected grades due to work commitments impacting my studies," try “While I didn't achieve my expected grades, I am now working with a tutor to help me understand my weak areas so I can succeed in your program.”

Wordtune’s Spices feature can help you develop counterarguments to weaknesses. In the Editor, highlight your text, click on Spices, and then Counterargument . Here’s an example:

Using Wordtune’s suggestion, I can highlight my eagerness to learn and provide examples to support my argument.

Highlight achievements

This is your chance to shine! A personal statement should highlight your best qualities — provided they relate to your prompt.

Ask yourself:

• What are your skills and strengths? Identify both academic and non-academic abilities such as critical thinking, problem-solving, and teamwork.
• What challenges have you faced? Reflect on how you have overcome significant challenges and how these experiences have helped you grow. For example, completing a course, learning a new language, or starting a business.
• What are your unique selling points? Consider what sets you apart from other applicants. For example, you may have a unique set of technical skills or experience learning in a different country.
• How have your achievements shaped your goals and aspirations? Sharing your goals shows that you think long-term and have taken the time to make sure you’re applying for the right opportunity.

Connect with the institution or company

Tailor your statement to the specific institution or company you're applying to — this shows you understand their values and have carefully considered where you want to seek opportunities.

To do this, head to the company or institution’s website and look for the About page. Many organizations include a mission statement on this page that conveys its purpose and values.

For example, universities often include their values under “Community” or “Student Life” sections. Here, Princeton University’s “In Service of Humanity” section highlights how they value using education to benefit society. Applicants can engage with this by explaining how they interact with their communities and seek to use their education to help others.

You can also research a company or institution’s social media. Look for similarities — maybe you both prioritize collaboration or think outside the box. Draw upon this in your personal statement. 

End with a strong conclusion

A strong conclusion is clear, concise, and leaves a lasting impression. Use these three steps:

• Summarize the main points of your statement. For example, “My experience volunteering for the school newspaper, along with my communication skills and enthusiasm for writing, make me an ideal student for your university."
• Discuss your future . Share your future ambitions to remind the reader that you’ve carefully considered how the opportunity fits into your plans.
• Include a closing statement. End on a positive note and offer the reader a final explanation for why you would be a great match. For instance, “Thank you for reviewing my statement. I am confident my skills and experience align with the role and your company culture.”

Tip: Learn more about writing an effective conclusion with our handy guide . 

Different types of personal statements

Now you know how to write a personal statement, let’s look at what to focus on depending on your application type.

The length of your personal statement will vary depending on the type. Generally, it should be around 500 words to 650 words . However, a university application is often longer than a statement for a job, so it’s vital to determine what is expected of you from the beginning.

Whatever the length, it’s important to remove and edit content fluff , including any repetition or copy that does not relate to your prompt.

Personal statement checklist

Use this checklist to ensure that your statement includes: 

• An engaging introduction.
• Clear examples of your experiences, skills, and expertise. 
• A commitment to improvement, if required.
• Any applicable achievements. 
• A direct connection to the company or institution’s values.
• A strong conclusion that summarizes information without adding new content.
• Authentic, simple language.

Personal statements are an opportunity to delve deeper and share who you are beyond your grades or resume experience. Demonstrate your ability with anecdotes and examples, address any weaknesses, and remember to use genuine and simple language. This is your place to shine, so follow our tips while displaying your unique personality, and you’ll be sure to stand out from the crowd.

Want to get started and create a powerful introduction? Read our step-by-step guide .

What is the difference between a cover letter and a personal statement?

A cover letter expresses your interest in a position and introduces you to an employer. It’s typically shorter and focuses on your qualifications, skills, and experience for a particular role. A personal statement, however, is common for a job, internship, funding, or university application. It explores your background, goals, and aspirations, as well as your skills and experience.

What is the purpose of a personal statement?

A personal statement is an opportunity to stand out by detailing your background, experiences, and aspirations. It should explain why you are interested in and a good match for the company or institution you are applying to.

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Personal Statement

The personal statement is your opportunity to communicate directly with the Admissions Committee. Applicants are welcome to submit anything that helps tell their story, being mindful and thoughtful about the quantity and quality of information shared. Share information not included elsewhere in your application.

A personal statement or the Common Application essay is required to be considered for scholarships or if applying test-optional. It may increase the likelihood that you are considered for guaranteed admission programs or given special consideration due to extenuating circumstances.

The personal statement can be submitted with your application. This can be the University of Pittsburgh Application or the Common Application - we do not prefer one over the other. If you have already completed the application, you may complete the personal statement here.

All international applicants are required to complete a Short Answer Question in lieu of a personal statement.

Fields marked with * are required.

You may upload a PDF containing your statement, or you may enter your statement directly on this form.

Writing the Personal Statement

Helpful tips and advice for drafting a compelling personal statement when applying for graduate admission.

Make sure to check the appropriate program website to find out if your statement should include additional or specific information.

What does this statement need to accomplish?

The personal statement should give concrete evidence of your promise as a member of the academic community, giving the committee an image of you as a person.

This is also where you represent your potential to bring to your academic career a critical perspective rooted in a non-traditional educational background, or your understanding of the experiences of groups historically under-represented in higher education and your commitment to increase participation by a diverse population in higher education.

What kinds of content belongs here?

Anything that can give reviewers a sense of you as a person belongs here; you can repeat information about your experiences in your research statement, but any experiences that show your promise, initiative, and ability to persevere despite obstacles belongs here. This is also a good place to display your communication skills and discuss your ability to maximize effective collaboration with a diverse cross-section of the academic community. If you have faced any obstacles or barriers in your education, sharing those experiences serves both for the selection process, and for your nomination for fellowships. If one part of your academic record is not ideal, due to challenges you faced in that particular area, this is where you can explain that, and direct reviewers’ attention to the evidence of your promise for higher education.

The basic message: your academic achievement despite challenges

It is especially helpful for admissions committees considering nominating you for fellowships for diversity if you discuss any or all of the following:

• Demonstrated significant academic achievement by overcoming barriers such as economic, social, or educational disadvantage;
• attendance at a minority serving institution;
• ability to articulate the barriers facing women and minorities in science and engineering fields;
• participation in higher education pipeline programs such as, UC Leads, or McNair Scholars;
• Academic service advancing equitable access to higher education for women and racial minorities in fields where they are underrepresented;
• Leadership experience among students from groups that have been historically underrepresented in higher education;
• research that addresses issues such as race, gender, diversity, and inclusion;
• research that addresses health disparities, educational access and achievement, political engagement, economic justice, social mobility, civil and human rights, and other questions of interest to historically underrepresented groups;
• artistic expression and cultural production that reflects culturally diverse communities or voices not well represented in the arts and humanities.

Academic Personal Statement Guide + Examples for 2024

You have a bright future ahead of you in academia and you’ve already found the program of your dreams.

The only problem? 

You have to write an impressive academic personal statement that sets you apart from a sea of applicants.

We know that writing about yourself might not come naturally. And when the academic program you have your sights set on is on the line, it doesn’t make it any easier.

But there’s no need to worry!

We’ve prepared this guide to help you write your academic personal statement and secure your spot in your program of choice.

In this article, we’re going to cover:

• What Is An Academic Personal Statement?
• 7 Steps to Writing the Best Academic Personal Statement
• An Example of a Stellar Academic Personal Statement

Let’s dive in.

You’ll need an academic CV alongside your personal statement. Create one with ease with Novorésumé !

What Is an Academic Personal Statement?

A personal statement is an essential part of the academic application process.

Much like a motivation letter , your academic personal statement serves to demonstrate why you’re the right candidate for the course and sell yourself as a capable student.

Your goal is to show the admissions committee that they’ll benefit from having you in their university as much as you’ll benefit from joining the program.

Academic Vs CV Personal Statement

The term ‘personal statement’ can mean different things depending on your field.

In the world of job hunting, a personal statement usually refers to a few sentences that go at the top of your CV . This paragraph is meant to convey your top skills, relevant experiences, and professional goals to a hiring manager from the get-go and increase your chances of getting an interview.

However, in the world of academia, a personal statement refers to a more in-depth description of you as a candidate. 

In a nutshell, an academic personal statement shows the admissions committee your academic achievements so far, as well as what motivated you to apply and pursue this position.

Personal statements are also often required when applying for certain jobs, much like writing a cover letter . If you’re looking at a position as a faculty member in a university or other academic institution, for example, you might be asked to provide an academic personal statement.

7 Steps to Write an Academic Personal Statement

Preparation is the key to success and this is exactly where our guide comes in handy.

So just follow these steps and you’re sure to secure your spot:

#1. Read the Brief (Carefully!)

Academic personal statements aren’t necessarily a one-size-fits-all piece of writing. 

Typically, every institution has its specific requirements on what candidates should include in their academic personal statement.

To make sure you’re on the right track with your academic personal statement, read the brief carefully. Consider taking notes and highlighting important points from your program’s brief as you go through it.

Pay attention to any specific question the university wants you to answer. If you don’t address everything the admissions board expects, your personal statement will look sloppy and you’ll be considered an inattentive candidate.

Be sure to re-read the brief after you’ve finished writing your academic personal statement, too. This way you can make sure you’ve answered everything adequately and you’ll have the opportunity to correct any slips.

#2. Research the Program

Make sure you do your homework on the academic program you’re applying to.

You can’t write a good academic personal statement without research, let alone a great one. Much like researching your employer , taking the time to learn more about your desired school and personalizing your application can make a huge difference.

For example, you can dive into how your values align with that of the school you’re applying to, and how your experience and interests relate to specific things about the program. The more you focus on how you’re the right fit for this specific position, in this specific program – the better.

Carefully read through the school and program’s official pages since everything you would need to know is probably on the school’s official website. You can also ask current and former students for help but remember that whatever they say should never replace official information when crafting your academic personal statement.

#3. Plan Your Statement

An academic personal statement is meant to explain your academic interests and shouldn’t contain irrelevant details about your personal life.

Focus on why you want to study the course you’ve chosen and provide any information about your achievements so far.

Ask yourself the following questions to get the ball rolling on what to write:

• Why do you want to study (or work) in this program? How will it benefit you?
• How do your skills match the position?
• What makes you stand out from other applicants?
• What are your exact career aspirations?
• How can you and your work benefit the institution you’re applying to?
• If you changed fields, how did you decide to apply in this direction?
• What insight can you bring thanks to your different experiences?
• How will this change of field help your future career?

Write down your answer to these questions in the first draft of your academic personal statement.

#4. Look at Example Statements

Don’t hesitate to read other people’s academic personal statements online. They’re a great source of inspiration and can help get rid of any remaining writer’s block.

If you’re struggling to understand how to meet the language and formatting requirements for your academic personal statement, seeing actual examples is the best way to learn.

But be careful – don’t copy any lines you read, no matter how impressive you think they are. 

Most universities run every academic personal statement through intensive plagiarism checking, and even a paraphrased sentence could lead to your application being rejected for plagiarism.

So pay more attention to the overall structure of the academic personal statements you read, rather than copying the exact wording.

#5. Structure the Contents

There should be a cohesive argument that your entire essay follows. Each sentence and paragraph should complement and build on the one that comes before it.

The structure of your personal statement should include:

An intriguing introduction to you as a candidate

The introductory paragraph should grab the admission committee’s attention and keep them engaged.

Here you should be sure to avoid cliches like saying how you’ve “always dreamt” of graduating from this university or of studying this exact program. Instead, give an example of what really influenced you to pursue this dream.

Here’s an example:

• I’ve always loved reading and since I was a child, it’s been my dream to graduate from Oxford University and contribute to the world of literary analysis. That’s why I spent the past year volunteering at my local writers’ society and giving constructive feedback during workshops and book discussions.
• It wasn’t until I failed my first essay assignment in secondary school that I realized the depth that lies beneath each sentence in a given text. I began to delve into the rich layers of literary texts and the intricacies of literary analysis became my passion. Although initially challenging, the depth of understanding that this field offers about human emotions, cultural contexts, and narrative structures enthralled me. I found myself questioning the narrative structures and character motivations that I had previously taken for granted, and I was eager to understand how the subtle and often overlooked elements within a text could have a profound impact on its overall interpretation. This need to fundamentally understand a given author’s work has stayed with me since and led me to pursue literary analysis as a postgraduate student.

An engaging body

The main part of your academic personal statement should detail your interests, experience, and knowledge, and how they make you suitable for the position.

This is where you should expand on your motivation and use the following tips:

• Why this university? Provide strong reasons for your choice, related to your future career or the institution’s reputation.
• Mention your relevant studies and experience. This includes projects, dissertations, essays, or work experience.
• Give evidence of key skills you have, such as research, critical thinking, communication, and time management, and explain how you can contribute to the department with them.
• Say what makes you unique as a candidate and provide an example.
• Explain who have been the main influences who put you on this path and why they’ve influenced you.
• Mention other relevant experiences, such as memberships in clubs related to the subject, awards you might have won, or impressive papers you’ve written.
• Talk about your career aspirations and how the program ties into your goal of achieving them.

Depending on the guidelines of the specific university, you could also divide your academic personal statement’s body with subheadings, such as:

• Academic background
• Research interests
• Methodological approaches
• Research experience
• Personal experience
• Extracurricular activities 
• Relevant skills
• Career aspirations

A logical conclusion

Your academic personal statement needs a conclusion that ends on an enthusiastic note.

Make sure the conclusion reiterates the main points from the body of your text.

Your relevant accomplishments and desire to attend this specific program should be clear to any reader.

#6. Pay Attention to the Language

When writing the first draft of your academic personal statement, pay attention to the language and tone you’re using.

An academic personal statement is also a formal text, so your writing should reflect that. Colloquialisms aren’t appropriate, as they would take away from the well-mannered impression you want to give the admissions committee.

However, you also want your personal statement to be straightforward and avoid any complex jargon from your field of study.

For example, your opening sentence shouldn’t be overly complicated. You should communicate everything as clearly as possible, and be inclusive to those outside of your field of study since they might be on the admissions board that’s reading your academic personal statement.

Make sure that the tone throughout your text is positive and conveys your enthusiasm for the program. Your academic personal statement should show the admissions committee that you really want to be there, and why that’s beneficial to everyone involved.

#7. Proofread Your Statement

This step probably isn’t surprising to you but it’s worth paying attention to.

Your academic personal statement is a very formal document and it should be spotless. 

So, make sure it adheres to academic writing conventions . For example, contractions like “I’m” instead of “I am” are informal, and should be avoided.

Mistakes like these are very common when writing about yourself, particularly when you’re used to describing yourself in informal environments.

Carefully proofread your academic personal statement, then run it through a grammar checker like Grammarly or Quillbot, then proofread it again.

The tiniest grammar mistake or typo could make the admissions board reject your application.

Academic Personal Statement Example

Ever since my first encounter with the enchanting worlds spun by Flaubert, Balzac, and Proust, my intellectual pursuits have gravitated toward French literature. With an undergraduate degree focused on French Language and Literature, I have been fortunate to explore my passions both theoretically and empirically, embedding them within broader themes of cultural theory and comparative literature. It is with great excitement that I apply for the postgraduate research position in the French Literature program at Kent University, with the aim of contributing novel scholarly perspectives to this captivating field.

Academic Background and Research Interests

During my undergraduate studies, I delved deeply into the realms of 19th-century Realism and Naturalism. My senior thesis, which examined the dialectics of morality and social structures in Balzac's "La Comédie Humaine," was not merely an academic exercise; it served as a crucible where my theoretical understandings were rigorously tested. This research experience intensified my interest in the complex interplay between literature and societal norms, a theme I am eager to further explore in my postgraduate work.

Methodological Approaches

My academic approach is fundamentally interdisciplinary. I strongly believe that literature should not be studied in a vacuum; rather, it should be contextualized within historical, sociological, and psychological paradigms. During a semester abroad in Paris, I took courses in cultural anthropology and French history, an enriching experience that complemented my literature-focused studies. This holistic approach will enable me to contribute a multifaceted perspective to the research endeavors at Kent University.

Previous Research and Scholarly Engagements

My scholarly activities have also extended beyond the classroom. Last summer, I participated in an international conference on French Literature and Post-Colonial Theory, presenting a paper on the depictions of colonial landscapes in Dumas' adventure novels. The opportunity to engage with academics from various disciplines provided me with fresh insights and underscored the importance of collaborative research. Further, I've had the honor of having a review article published in the Sheffield Journal of Contemporary Literary Explorations, where I critiqued a groundbreaking new translation of Verne's works.

Extracurricular Contributions and Skills

In addition to my academic achievements, I have sought to enrich my department’s intellectual community. I served as the editor of our departmental journal and organized a series of seminars featuring guest speakers from the worlds of academia and publishing. My strong organizational skills, combined with proficiency in both written and spoken French and English, make me a versatile candidate capable of adding value to the French Literature program’s broader objectives.

To summarize, my deep-rooted passion for French literature, fortified by rigorous academic training and interdisciplinary methodologies, makes me an ideal candidate for the postgraduate research position in your esteemed program. The prospect of contributing to academic discourse at Kent University is an opportunity I find deeply compelling. I am especially excited about the potential for collaborative research and interdisciplinary inquiries, which aligns perfectly with my academic philosophy. I am fully committed to leveraging my skills, experiences, and enthusiasm to make a substantive scholarly contribution to the study of French Literature. Thank you for considering my application; I am keenly looking forward to the possibility of furthering my academic journey in this vibrant intellectual community.

FAQs on Academic Personal Statements

If you’re wondering anything else about academic personal statements, check out the answers to the most frequently asked questions related to them here:

#1. How do you start a personal statement for an academic job?

Applying for an academic job is different from applying for a position as a student. First, you need to establish your qualifications and enthusiasm for the role immediately.

Start by explaining your current status, for example, as a postdoctoral researcher or an experienced member of the faculty, and specify the position you are applying for. Then follow up with your research interests or personal philosophy towards teaching.

You can add a personal anecdote or compelling fact that summarizes your academic journey so far, or your passion for the field. After that, your academic personal statement can go deeper into the qualifications from your academic CV and how you’re a great fit for the position.

#2. How do I introduce myself in an academic personal statement?

The introduction of your academic personal statement is the key to grabbing the attention of the admissions committee.

Start by stating the field or subject that interests you, and why. You can share a specific personal anecdote or observation that led you to this academic pursuit and set the stage for the detailed explanation in your main body.

The goal of your introduction is to give the reader a sense of who you are, what drives you, and why you would be a valuable addition to their department.

#3. Is an academic personal statement like an essay?

Yes, an academic personal statement can be considered a type of essay.

Both essays and academic personal statements are structured forms of writing that are meant to deliver a coherent argument and are divided into an introduction, body, and conclusion. They provide supporting evidence to prove the point and maintain a logical flow to guide the reader to the final conclusion.

However, essays tend to be objective and explore a specific topic or question in depth. Academic personal statements use similar techniques but they present the candidate’s qualifications, experiences, and aspirations in a way that’s meant to persuade the admissions committee.

#4. How long is an academic personal statement?

Typically, an academic personal statement is between 500 and 1000 words long.

The exact length of the text varies depending on the university and program you’re applying to. You should always check the specific requirements for your desired program, and stick to the guidelines you find.

However, if the university you’re applying to doesn’t specify a word count, you should aim for one to two pages.

#5. What do I avoid in an academic personal statement?

Since your personal statement is a crucial part of your academic application, it’s important to avoid any common mistakes.

Make sure the content of your academic personal statement isn’t too generic. Its goal is to give insight into you as an individual, beyond what can be read in your CV . 

You should also avoid cramming too many points in your text. Your academic personal statement should follow a logical flow, and focus on the relevance of what you’re sharing about yourself and how it relates to the academic program you’re pursuing.

Key Takeaways

And that concludes our guide to writing an academic personal statement!

We hope you feel more confident when crafting your application for that academic program or faculty position you have your sights set on.

Now let’s recap what we talked about so far:

• Academic personal statements are very different from CV personal statements. While CV personal statements are brief paragraphs at the top of the page, an academic personal statement is an in-depth text that details why you’re interested in a given position, and what makes you a good candidate.
• The guidelines on academic personal statements vary according to the institution you’re applying to. Read the brief very carefully, and pay attention to what it says about word count and questions your personal statement should answer. Any mistakes here could result in rejection.
• There are differences between applying for a postgraduate program and applying for a faculty position. But in both cases, you should research the exact place you want to apply to and adjust your application accordingly to match the institution’s values.
• Always proofread your academic personal statement before sending it, even if you’re sure there are no errors.

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Personal Statement Timeline

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Our personal statement timeline will help you organise the writing process, and make sure you have a final, polished draft ready to add to your application form in plenty of time so you don't miss the deadline.

• Start thinking about the subject(s) you would like to study at university.  
• Take a look at our guide on choosing a degree .  
• Check out the Course Search at the UCAS website.  
• Read the entry requirements carefully for any course you like the look of.  
• Make sure you can realistically expect to achieve the grades they are asking for, and that you have any other skills and qualities the university are looking for.

June/July/August

• Think about choosing the universities you are going to apply to.  
• Attend some university open days to see which ones you like most.  
• Take a look at our choosing a university guide for further advice.  
• Start thinking about what you are going to include in your personal statement.  
• When attending university open days, ask admissions tutors what they like to see in UCAS personal statements.  
• Make notes on what the admissions tutors from different universities want to see.  
• Check out our personal statement writing guide and free personal statement examples to help you get started with your first draft and more information on what to include.

Late August

• By now you should have a complete first draft of your personal statement.  
• Show it to your friends and family, and also your teachers and careers advisor when you go back to school/college in early September.

Early to Mid September

• Make changes to the first draft of your personal statement based on the feedback you’ve received.  
• Show your next draft to other people, and incorporate their comments.  
• Do this as many times as necessary until you feel 100% happy with you personal statement.

Mid October 

• If you are applying for a degree in Medicine, Veterinary Science, Dentistry, or any course at either Oxford or Cambridge university, you need to have your personal statement completed and send it off on your UCAS form by 15th October .  
• Before you cut and paste your personal statement on to your UCAS application, check that it is no more than 47 lines long and no more than 4000 characters in total. Our Personal Statement Length Checker comes in handy for this.  
• Of course, if you are not applying for any of the degrees mentioned above, you have until 15th January to get your personal statement sorted for your UCAS application. If you do not submit your application by this date, the universities you have applied to do not have to consider your application.

Further information

For more tips and advice, please see:

• Personal Statement Editing Services
• The 15th Janaury UCAS Deadline: 4 Ways To Avoid Missing It
• UCAS Personal Statement FAQs
• Personal Statement Writing Tips
• Personal Statements: Advice From A Teacher
• What To Do If You Miss The 15th January UCAS Deadline

Best of luck with your personal statement!

What Is The UCAS Deadline For Personal Statements?

It’s too simple to say that there’s one UCAS deadline, especially for undergraduate applications.

Depending on your subject or university choice and your own decision-making process, you might want to take advantage of some of that flexibility before submitting your application.

So, what is the UCAS deadline that matters most to you?

The UCAS deadline for undergraduate study relates to the last day that universities are required to treat your application with ‘equal consideration’. This is usually 15 January, although extended to January 26 in 2022. Applications can be made after this time, right through until courses begin.

However, there are other UCAS deadlines that you should be aware of, and I’ll outline these clearly below, as well as give you a snapshot of key US application dates too.

What is the UCAS Deadline for Personal Statements?

The UCAS undergraduate admissions cycle opens in early September of the academic year before a course begins, and you can submit your application at any point from that date onwards.

However, it can make sense to wait a little before you send in your personal statement, as it will give you and your teachers/counsellors or readers more time to help you develop some great content.

It also gives you a little more time to establish a broader range of achievements and to complete some wider reading . An ideal time to apply is late October/early November, which gives you the first half of the autumn term to get your application pitch perfect and gives your school or external referee time to send their elements through as well.

The deadline for applications to the University of Oxford , the University of Cambridge and for Medicine, Veterinary and Dentistry courses is October 15 in the year before taking up a non-deferred place, much earlier in the application cycle.

This early date is partly due to the time needed to process what are often large numbers of applicants but also to give applicants the opportunity to sit additional tests in order to establish suitability.

If you’re a bit behind on this process, don’t worry. Just remember…

The UCAS deadline for personal statements can vary but is traditionally mid-January in the year you intend to take up a place unless you are making a deferred application. Historically the specific date was January 15, but from 2022 onwards, this has been extended to January 26.

You can check the most recent information at UCAS here .

Can I Apply to UCAS After 15 th January?

You can apply to UCAS at any point after the January deadline, up until late June. Applications for undergraduate courses can still be submitted from July onwards, but applicants will usually need to wait for Clearing to open to gain access to the courses that remain available.

However, there are a number of reasons why applying this late in the cycle is likely to disadvantage you:

• Once the January deadline has passed, universities are no longer obliged to consider your application. In other words, they do not have to read it or take the time to make an informed decision. They can simply reject you.
• The majority of competitive courses will have already reached their maximum number of offers, meaning that the later in the process you apply, the fewer spaces are available, and the less choice you will have on subjects, courses and campuses.
• Late applications can be an indication to an admissions team that the applicant is disorganised, unmotivated or unsure about their academic ambitions. That can lead to an application being rejected.
• Very late applications make securing accommodation and funding more challenging.
• The current cycle is designed to leave the spring and summer terms largely clear for study and the completion of advanced level qualifications, without the distraction of the application process. Leaving your application to the last minute can have a detrimental effect on your current studies.

If you possibly can, you should aim to beat the January deadline and submit your personal statement in early November. However, if you do miss your deadline, the best thing to do is to contact UCAS directly, usually via your student hub , and then talk directly with individual universities to establish whether a late application would be welcomed.

What’s the Deadline for Postgraduate Applications?

There is no official deadline for UK postgraduate applications . Most universities are keen to accept applications up until the July prior to courses starting in the autumn. As with undergraduate courses, the sooner you apply, the better your chances of securing a place on the course of your choice.

To be safe, apply at least six months in advance – so around March for a course that starts in September/October. UCAS

The danger with this lack of a formal deadline is that you might delay the application and end up in a rush to get your personal statement completed.

To avoid making that mistake, make sure you organise your resources in advance and prioritise your application with the same level of focus that you place on your undergraduate study.

What About Deadlines for US Uni Applications?

US undergraduate university admissions have a greater range of deadlines than the UK. They are divided into four types; regular decision, early action, early decision and rolling admissions. Different institutions have varying dates for these, so checking a specific university’s requirements is key.

The Early Decision and Action deadline for US applications is 1 November, with follow-up decisions taking place in the new year. The next Early Decision round is 15 November.

Regular Decision deadlines run throughout January, with the majority coming at he start of the month. February 1 and February 15 are also key dates for applications to reach many US universities.

Can you Apply to UK Universities Without UCAS?

As a potential undergraduate, you can apply directly to most UK universities for single courses, bypassing the need to apply through UCAS. You will not be able to apply for other courses, however. You can also apply directly for short courses that do not lead to degree qualifications.

Other specific or specialised courses at universities and other institutions in the UK often prefer direct applications, the most common of which are Art Foundation courses. These frequently do not run through UCAS, and you can find more information on these here .

Good luck with your personal statement, and don’t forget to contact me if you’d like some 1-1 support. You’ve got this! D

Research and content verified by Personal Statement Planet .

David Hallen

I've worked in the Further Education and University Admissions sector for nearly 20 years as a teacher, department head, Head of Sixth Form, UCAS Admissions Advisor, UK Centre Lead and freelance personal statement advisor, editor and writer. And now I'm here for you...

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Essay Examples 20 Personal Statement Examples That Stand Out + Why They Work

This is your ultimate list of Personal Statement examples.

In this post, you'll learn:

• What makes a successful Personal Statement
• How to write an irresistible Personal Statement
• Ivy League personal essay examples

If you're looking to read and write Personal Statement essays, you've found the right place.

In this post, I'm going to share everything you need to go from zero to having a Personal Statement essay you can be proud of.

This guide will help you get started writing an engaging Personal Statement essay. Or if you already have one, how to make it even better.

What is a Personal Statement Essay?

A personal statement, also called a statement of purpose (SOP) or personal essay, is a piece of creative, personal writing.

The purpose of your personal statement is to express yourself and your ideas. Personal statements usually aren't piece of formal writing, but still should be thoughtful and planned out.

Many applications for colleges, graduate schools, and scholarships require you to write a personal statement.

How to Write a Personal Statement Essay

While there are no rules or guidelines for writing a personal statement, the best ones often have these in common:

Have Strong Ideas:

Having compelling and interesting ideas shows you are a strong thinker.

It isn't necessarily about having all the answers, but asking the right questions.

For personal statement essays, the quality of your ideas matters more than your writing level. Writing interestingly is more important than writing beautifully.

I’ve stopped tripping over my own feet, and it’s led to me not being afraid to connect and interact with patients and customers or present in front of large crowds. Life is just one long Carioca – you might stumble at first, but if you keep pushing, the right feet will find themselves in the right place. From an accepted essay to UNC at Chapel Hill →

Be Authentic

Writing authentic essays means writing from the heart.

The best personal statements tend to come naturally, because the writer is excited about the topic.

Choose an idea that makes you feel excited to write about and start writing.

As you begin drafting, ideas will naturally arise related to your original idea. Exploring these tangential ideas is what leads to even better reflections for your essay.

That's why it's so important to be genuinely passionate about your subject. You can't just have an interest "in the topic," but there has to be something deeper you're writing about that moves you.

Use Narratives and Story-Telling:

Humans are naturally drawn to stories.

And often the best insights and ideas come from real life experiences.

Telling a story, or many, is the basis for developing your analysis and ideas. Remember, all stories need conflict in order to work.

It can help to think about the different types of conflict.

• Character vs. Self
• Character vs. Character
• Character vs. Nature
• Character vs. Society

And so on...

Once you've written a meaningful story, getting insights is as simple as answering the question: What did your experiences teach you?

The sounds of my knife striking kale unnerves my cat asleep in the corner. He quickly runs over to examine the situation but becomes instantly uninterested when he sees green and smells bitterness. Unfortunately, my family has this same reaction every day of every week. From an accepted essay to University of Southern California →

Showcase Your Values and Identity:

The purpose of a personal statement is to tell about who you are.

Personal statements are your opportunity to showcase what your values are, and how you would contribute to the school, scholarship opportunity, etc.

Good writers are those who write authentically. Write about your unique ideas and ask interesting questions, even if you don't know the answers.

How Long Should a Personal Statement Be?

A typical personal statement can range in length from 500 to 650 words or more.

For applying to colleges, the Common Application essay personal statement has a word limit of 650 words.

For graduate school programs, the application essay will vary in length, but most schools require a personal statement essay of at least 500 words.

20 Personal Statement EssaysThatWorked

It can be difficult to understand what makes a great essay without seeing some for yourself.

Here's 20 of our favorite personal statement essays that we've chosen for being unique and high-quality.

There essays were all accepted into some of the most selective schools. And while it isn't the only factor in admissions that matters, having outstanding essays can help tip the scales in your favor.

Table of Contents

Prompt: Background, Identity, or Interest

• 1. Uncomfortable Truths
• 2. Romanian Heritage
• 3. Film and Theater
• 4. Person of the Woods
• 5. Beautiful Walks

Prompt: Lessons from Obstacles

• 6. My Father
• 7. Self-Determination
• 8. Game Design Music
• 9. Speech and Debate

Prompt: Questioned or Challenged a Belief

• 10. Finding Answers

Prompt: Accomplishment, Event, or Realization

• 11. Connecting with Others
• 12. Summer Confidence
• 13. First Impressions
• 14. Law Career
• 15. Growing Up Asian

Prompt: Engaging Topic, Idea, or Concept

• 16. Secrets of Riddles
• 17. Rubik's Cube
• 18. Narrative Diversity

Prompt: Any Topic of Your Choice

• 19. Search for Dreams
• 20. Recipe for Success

Personal Statement Example #1: Uncomfortable Truths

This is a personal statement that worked for Princeton . It is outstanding for many reasons, but most of all because of its ideas and the thoughtfulness put into organizing them.

Common App Prompt #1: Some students have a background, identity, interest, or talent that is so meaningful they believe their application would be incomplete without it. If this sounds like you, then please share your story. (250-650 words)

Why This Essay Works:

Having a unifying idea is key to successful personal statements. Find your deepest idea or realization and focus your essay around that.

Find a way to showcase your achievements while connecting to broader, more universal ideas.

Connecting your ending to your beginning is a powerful way to bring your essay full circle. A great conclusion expands on your ideas introduced earlier, while leaving some room for more to be said.

Personal Statement Example #2: Film and Theater

This student's essay was accepted to USC , among other top schools. It's topic is seemingly simple—taking walks—but the author brilliantly shows how even in the mundane there can be meaningful reflections.

This essay has lots of moments where the author's character comes across vividly. By using conversational language and interjections like "I want to—no, need—to...", the author has a clear "voice" and you can easily imagine them as if they were speaking directly to you. This student also showcases self-awareness and a sense of humor, by using slightly self-deprecating phrases like "some chubby, nerdy girl" and by recognizing how the social approval of sitting with the "popular girls" was enthralling at the time. Self-awareness is a highly valuable trait to portray, because it shows that you're able to reflect on both your strengths and weaknesses, which is a skill needed to be able to grow and develop.

This author manages to tie in their activity of producing films and reference them specifically ("Cardboard Castles") by connecting them to their main point. Instead of listing their activities or referencing them out-of-the-blue, they show how these accomplishments are perfect examples of a greater message. In this case, that message is how meaningful it is to connect with others through storytelling. To write about your activities and achievements without seeming arbitrary or boastful, make them have a specific purpose in your essay: connect to a value, idea, or use them as examples to show something.

In the intro of this essay, there are some descriptions that seem fiction-like and are ultimately unimportant to the main idea. Sentences that describe Mrs. Brewer's appearance or phrases describing how their teacher stood up after talking to them ultimately don't contribute to the story. Although these provide "context," the only context that admissions are interested in is context and details which have a purpose. Avoid writing like fiction books, which describe all the characters and settings, and instead only describe exactly what is needed to "go somewhere" in your essay.

What They Might Improve:

This essay has a strong hook which captivates the reader by making them ask a question: "What are these lunch-time horror stories?" By sparking the reader's imagination early on, you can draw them into your writing and be more engaged. However, ultimately this is somewhat of a letdown because these intriguing "lunch-time horror stories" are never described. Although it may not be completely necessary for the main point, describing one example or hinting at it more closely would be satisfying for the reader and still connect to the main idea of storytelling. One idea is to replace the conclusion with a reference to these "lunch-time horror stories" more vividly, which would be a satisfying ending that also could connect to filmmaking and storytelling. In general, anticipate what the reader will be looking for, and either use that expectation to your advantage by subverting it, or give them what they want as a satisfying, meaningful conclusion.

Although this conclusion could work as is, it could be stronger by seeming less arbitrary and less "fancy for fancy sake." Often, a good strategy is to connect your conclusion to something earlier in your essay such as your introduction or specific wording that you used throughout. In this essay, it could work much better to end by revealing one of those "lunch-time horror stories" in a way that also emphasizes their main point: how storytelling is a powerful tool to connect people.

About This Personal Essay:

Personal statement example #3: romanian heritage.

This personal statement worked for UMichigan , among many other top schools like MIT, Rice, UNC at Chapel Hill , University of Pittsburgh, UW Madison, and more.

This author is able to vividly bring you into their world using cultural references and descriptive writing. You can practically taste and smell Buni's kitchen through her words.

This essay starts off by posing a challenge, which is typical of essays. But rather than showing how they overcame this particular challenge of speaking Romanian without an accent, this reader shows how something unexpected—baking—came to satisfy what was missing all along. By the end, this creates a conclusion that is both surprising, connected to the beginning, and makes perfect sense once you've read it. In other words, the conclusion is inevitable, but also surprising in content.

This student uses Romanian words to help exemplify the culture and language. If you're writing about a culture, using foreign language words can be a compelling way of adding depth to your essay. By including specific terms like "muni" and "cornulete," it shows a depth of knowledge which cannot be faked. Always use specific, tangible language where possible, because it is "evidence" that you know what you're talking about.

This student exhibits strong self-awareness by noting characteristics about themself, even some which may not be the most glamorous ("can be overbearing at times, stubborn in the face of offered help"). Rather than telling the reader flat out about these personal attributes, they are able to discuss them by connecting to another person—their grandmother Buni. Using another person to showcase your own character (through comparison or contrast) is a literary "foil," which can be an effective way of showing your character without stating it outright, which generally is boring and less convincing.

This student doesn't focus on surface-level ideas like "how they got better at speaking Romanian." Instead, they reflect in a creative way by connecting the Romanian language to baking. Revealing unseen connections between topics is a great way to show that you're a thoughtful and clever thinker. Ultimately, having unique ideas that are specific to you is what will create a compelling essay, and this essay is a perfect example of what that could look like.

Learn the secrets of successful top-20 college essays

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Personal Statement Example #4: Person of the Woods

This essay was accepted into Dartmouth College . It is a brilliant example of showing how any experience, even those which originally may have been unpleasant, can be the topic of meaningful reflection.

Using visuals, like descriptions of scenarios and environments, can help bring the reader into your world. However, make sure that all of your descriptions are relevant to your main point, or else they could be distracting. For example, in this essay it would be unnecessary to describe what they're wearing or the appearance of canoes, but it makes sense to describe the nature as it relates to the main topic.

People are not isolated units. Instead, everyone depends on and is defined by those around them. By showing how you relate and connect with other people, you can provide insights into your character. In this essay, the student does a great job of delving into their strong friendships, particularly what they've learned from their friends.

Admissions officers love to see self-growth. Showing how your perspective on something has changed (in this case, how they went from disliking to loving an activity) conveys a development of your character. Ask yourself: what preconceived notions did I have before, and how did they change? This student reflects in a humble way, by first emphasizing what they've learned from others, before offering up what they might have contributed themselves. Always try to have a tone of gratitude in your essays because it makes you more likeable and shows strong character.

Personal Statement Example #5: Beautiful Walks

Personal statement example #6: my father.

This personal statement was admitted to Michigan in recent years. It is an outstanding example of how you can write about topics that are often cliché if done poorly, such as the death of a family member.

But unlike other essays, this one works because it has a unique take and genuine approach to the topic that makes it come off as heartfelt.

Common App Prompt #2: The lessons we take from obstacles we encounter can be fundamental to later success. Recount a time when you faced a challenge, setback, or failure. How did it affect you, and what did you learn from the experience? (250-650 words)

Writing about a tragedy like a loss of a parent is a tricky topic for college essays. Many students feel obligated to choose that topic if it applies to them, but it can be challenging to not come across as trying to garner sympathy ("sob story"). This student does a graceful job of focusing on positive elements from their father's legacy, particularly the inspiration they draw from him.

This student does a great job of connecting their educational and career aspirations to their background. Admissions officers want to understand why you're pursing what you are, and by explaining the origin of your interests, you can have compelling and genuine reasons why.

In this essay, the student writes from their hypothetical perspective as an infant. This doesn't quite work because they likely wouldn't remember these moments ("I have no conscious memories of him"), but still writes as though they do. By writing about things you haven't seen or experienced yourself, it can come across as "made up" or inauthentic.

Personal Statement Example #7: Self-Determination

Some of the best essay topics are dealing with challenges you've faced, because difficulties make it easier to reflect upon what you've learned. Admissions officers ultimately are looking for self-growth, and showing how you've handled personal challenges can demonstrate your new understandings as a result. However, avoid talking about "tragedy" or difficulty without a clear purpose. Don't write about it because you think "you should," only write about challenges if they are true to yourself and you have something meaningful and unique to say about them. Otherwise, it can come off as trying to garner sympathy (i.e. "sob stories") which admissions officers generally dislike.

More convincing than telling admissions officers, is presenting them with "evidence" and allowing them to come to the conclusion themselves. If you want to show the idea "I couldn't learn due to this condition," it is far more effective to do what this student did and say, "I'd just finished learning complex trig identities, and I now couldn't even count to ten." When drafting, it is normal and okay to start off with more "telling" as you get your ideas on paper. But as your essay progresses, you should transform those moments of "telling" into more powerful and convincing moments of "showing."

Having meaningful reflections is a critical part of having compelling essays. But make sure your takeaways are not surface-level or generic. Each admissions officer has likely read thousands of essays, so they are well aware of the common ideas and tropes. Avoid cliché ideas at all costs, because it comes across as forgettable and unoriginal. Instead, it is okay to start with surface-level ideas, but keep asking yourself probing questions like "Why" and "How" to push your ideas deeper.

This essay tells a nice story of overcoming their physical impediment, but ultimately lacks meaningful reflections in the conclusion. Too much time is spent on "the problem" and not enough on how they overcame it. Your conclusion should have your best, most compelling ideas in your entire essay. Try ending your essay by connecting to the beginning with a new perspective, expanding on your idea with a new takeaway, or connecting to broader, more universal themes. Avoid having a conclusion that "sounds nice," but ultimately is lacking in meaningful content.

Personal Statement Example #8: Game Design Music

This essay was admitted into Cornell University . It discusses a common conflict of ideology that comes with pursuing the arts. What the author does brilliantly is show how that conflict was reconciled, as well as how it changed their perspective.

My mom used to tell me this a lot. She’d always disapproved of my passion for the arts.

In this essay, the author does a fantastic job of showing how they are thoughtful in considering the perspectives of others, even though they may disagree. Showing that you can entertain ideas that you may disagree with is an admirable trait that admissions officers love to see, because intellectual discussion is all about trying to see other people's views. When writing about things that you may disagree with, try to play devil's advocate and see things from their point of view. Doing so will make you come off as thoughtful, understanding, and inquisitive, and it will strengthen your own viewpoint if you can identify arguments against it.

The best essays help admissions officers understand how you think about things. One strategy is to offer up questions to explore. These can be questions that arose during a particular moment or questions that you're reflecting upon right now. By using questions in your essay, you'll also present yourself as a thoughtful and curious thinker. Ultimately, you want to help the reader see things from your perspective by showing your thought process.

A good starting place for reflection can be in comparing and contrasting different topics. This could finding the similarities and differences in an extracurricular and an academic class, or any other number of things. By finding the similarities in things often thought of as "opposing," or finding the differences in things thought of as "similar," you can get to interesting ideas. Comparisons are useful because they force you to think from a different viewpoint. For example in this essay: How does "programming" relate to "song lyrics"?

This essay ends on a note that feels somewhat off-topic and not as interesting as their main idea. The conclusion leaves more to be wanted, as the reader ends up thinking: Are you simply seeking the approval of your parents? Or are you carving your own path in life? Or does the answer lie somewhere in between? Avoid ending your essay with a tangential idea. Instead, a strong conclusion is often closely related to the main point of your essay, but with a slight twist. By planning out your essay before writing, you can make sure that each point (from start to finish) connects the way you want it to and that your conclusion ends on a strong, well-connected note.

Personal Statement Example #9: Speech and Debate

I was still high off the competition, poring over ballots by the soft streetlights as we drove. “Are you sure you want to do this?” My Dad was worried about me. Worried about my world crashing down around me, losing friends, being crushed by hate. Scarred by controversy. I laughed it off, and we rode in silence.

Fast forward to my second or third year in the league. I wanted to have some fun. I emailed the regional coordinator, asking if there’s a rule against a speech advocating for same-sex marriage.

This essay has lots of interesting ideas about having discussions between people of different viewpoints. This student is able to reflect sincerely about what the benefit of that dialogue is ("iron sharpening iron") and able to draw meaningful conclusions ("hope lives in that laughter") that express deeper ideas. By focusing on these compelling reflections, this student shows themself as a brilliant and thoughtful thinker, while demonstrating what they value: discourse between opposing viewpoints. Rather than focusing on the literal happenings (i.e. giving a speech to their club), the student reflects on what that experience represents more broadly, which allows them to connect to deeper ideas.

This essay is full of details, without being wordy or drawn out. Even small details like naming the show "The Daily Show" or giving a number of "40,000+ theologies" makes their writing much more engaging and compelling. By avoiding broad and vague language, this student paints a fascinating picture that allows the reader to enter their world. It is always better to be specific than to be generic, but make sure that the specific details are always relevant to your point. This essay is a great example of how to do both.

This essay does a fantastic job of creating a "voice." That is, you can easily imagine the student as if they were speaking to you while reading it. To craft this voice, this student uses small moments of more informal language and interjecting remarks that show their thought process. Using parentheses can be a good way to show your voice by jumping in when you have a small remark to add. This student also demonstrates a sense of humor and lightheartedness while still discussing meaningful ideas. The sarcastic remark "because controversy has no place in a debate club!" demonstrates their values (of dialogue between differing viewpoints) as well as showing their sense of personality.

This essay's weakest point is its intro or "hook." In fact, it could work much better by excluding the introduction paragraph and starting off with the second paragraph: "Forgive the melodrama: this is a story..." That short phrase is much more captivating and immediately draws the reader in. The introduction paragraph in this essay is too much of a meandering and vague story: you don't know what they're talking about, and ultimately it doesn't matter. Rather than using a fancy story or descriptions to introduce your essay, try jumping into the "meat" of your essay immediately. Consider using a short, declarative sentence or phrase like "Forgive the melodrama" as a hook, which is more impactful and draws the reader immediately into your essay.

Personal Statement Example #10: Finding Answers

Common App Prompt #3: Reflect on a time when you questioned or challenged a belief or idea. What prompted your thinking? What was the outcome? (250-650 words)

My grandmother’s concern faded rather quickly as sirens fell distant and time passed.

After about 30 minutes, my grandfather’s friend ran toward the beach. My grandfather was not next to him. He was not there at all. At that moment, my grandma knew.

“Burt...he was with me...he slipped...he fell...I ran down the side of the mountain, off the trail, but I couldn’t find him. The park rangers are looking...” She stopped listening. She could see his lips moving, yet she heard nothing.

This essay repeats a lot of the same ideas or information, just using different words. Rather than "getting to the point," this repetition makes the essay feel meandering and like it is going nowhere ultimately. When drafting your essay, it is okay to have repetition (your drafts shouldn't be perfect, after all). But when editing, ask yourself with each sentence: does this add something new? Is this necessary to my main point? If not, you should exclude those sentences.

This essay starts off with a drawn-out story of the tragedy involving the author's grandfather. Most of this story is unnecessary, because all that really matters for this student's main idea is the fact that their grandfather passed away from a tragic accident. Details about his grandmother or his grandfather's best friend are unnecessary and distracting.

An important "rule" in college essays is to only write from your perspective. That is, don't describe things that you couldn't have seen or experienced. In this essay, the author spends a lot of time describing their grandfather's incident as if they was there to witness it. But we later learn that the author was not even alive at this point, so how could they be describing these things? On a smaller level, don't describe yourself from an outside perspective. For example, instead of, "I grimaced when I heard the news" (how did you see yourself grimace?) you could say, "I felt my stomach pang when I heard the news."

Your ideas are most valuable in your essays. Admissions officers want to see how you think, and having interesting ideas that are unique to you is how you demonstrate that you're thoughtful and insightful. Avoid surface-level ideas at all costs, as it comes off cliché. It is okay to start with more generic ideas, but you should always delve deeper. To get at deeper and more unique ideas, the key is to ask yourself questions. For example: Why is this the case? Why don't things work differently? What does this mean for other people? What does this represent? How can I apply this to other areas of life?

Personal Statement Example #11: Connecting with Others

Common App Prompt #5: Discuss an accomplishment, event, or realization that sparked a period of personal growth and a new understanding of yourself or others. (250-650 words)

It's important to create a "voice" in your personal statement, so that admissions officers can imagine your character and personality. Try to write as you would speak, but refined and polished. In this essay, natural-sounding phrases like "...let me admit, I was awful..." humanizes the author and makes the reader feel like they're being spoken to.

This essay is a perfect example of how effective essays don't need to have a super unusual story to be compelling. What makes this essay's story compelling is not necessarily the topic itself (meeting distant relatives), but instead how the student reflects and makes interesting connections to broader ideas. Even seemingly mundane experiences can make for meaningful personal statements topics.

This conclusion works well by connecting to the main story of the essay. However, certain phrases like "As a global citizen" and "I am hoping to forge relationships" are potentially too generic. Instead, try taking your main idea (in this case forming connections with others) and broaden it or connect to more universal ideas.

Personal Statement Example #12: Summer Confidence

This essay has a heartfelt moment where the author connects deeply with a camper and feels a sense of genuine gratitude. By showing their newfound connection with a person they were mentoring, this creates a sense of humanity and also tells a lot about the author themself. By talking about other people in your life, you create a literary "foil" which in turn describes something about yourself. Showing how you interact with others can be telling into your character, such as showing your empathy, sense of humor, friendliness, or how you draw inspiration from others.

This essay does a good job of expressing vulnerability, specifically the author's fears about the future and "deteriorating friendships" after going to college. By being vulnerable, these moments feel more relatable to the reader. Showing your struggles (especially emotional ones) can also make your later "successes" feel more impactful when you show how you've overcame them or persist in face of those struggles. By recognizing your flaws or insecurities, you also show self-awareness, which is a positive trait because you need to be self-aware in order to improve the areas of yourself you want to fix.

Although this essay does reflect upon the lessons learned during their time at this camp, the takeaways are ultimately surface-level and not delved into. Rather than saying things like "I had more confidence," it would be more engaging to show how that confidence made an effect and what exactly that "confidence" meant. This essay touches upon some meaningful lessons, but ultimately they fall flat because the nuances of these lessons are glossed over. Phrases like "upon further consideration it no longer fills me with...apprehension" don't delve into the most interesting part: How and why did that fear go away? What changed about your perspective and why? Instead, these are explained away with "confidence and maturity," which are too broad of terms and feel meaningless because they are overused in essays.

In your personal statement, it is completely OK to reference people by their first name. Using names makes your essay more vivid and engaging, while showing a deeper connection that you have with others. Rather than saying "other people" or "one of the older campers," it would be more impactful to use their first name. There are some caveats, however. Don't use their name if you're showing them in a negative light (which you probably shouldn't do anyway) or if you're revealing something personal about them. If you are revealing something personal, you can substitute their name for another name, or ask them for their direct permission.

Personal Statement Example #13: First Impressions

It had a nice ring to it, but I wasn’t a fan. Unfortunately, that’s what I imagined everyone saw first, and first impressions stick.

A caveat of my surgery was that the hair would grow, then one-third would fall off. My scar will never be completely gone, but I no longer feel defined by it like I did in elementary school.

An effective hook doesn't need to be complicated. Often, the best hooks are simple, declarative sentences. By using a short sentence, you'll immediately draw the reader into your essay and create a point of emphasis. In general, avoid long and meandering sentences to start your essay, and save those for later in your essay. Clear and succinct phrasing is often the hallmark of a strong hook.

To convey your ideas more strongly, show them using concrete examples. In this essay, the author does a great job of that by not saying "classmates only saw me for my scar," but instead showing that idea through the memorable image of "I learned about my classmates through their lunchbox covers...they saw me as the boy with the scar." Using tangible imagery makes for a compelling way of expressing your ideas, as it allows the reader to come to the conclusions you want them to, without just "telling" them.

Avoid exaggerating or "fluffing up" experiences in your essays. Instead, be realistic and tell them for what they are. This essay does that perfectly by using phrases like "I didn't have a sudden epiphany about my scar." Avoid using phrases like "suddenly, I..." which are often overused and unrealistic. Most new understandings aren't acquired in one moment in particular, but are developed over time.

This essay touches on some compelling ideas, such as how people can distill down other people into their physical attributes or ailments. However, it would be even stronger to delve deeper into these reflections by asking further questions: Why do we gravitate towards "categorizing" people based on surface-level attributes? What is the impact of only be acknowledged for surface-level characteristics by others, but knowing that you have much more depth to your character? This essay has some meaningful ideas, but other ideas such as "I can be whatever I want to be" feel surface-level and somewhat generic.

Personal Statement Example #14: Law Career

One great way to have interesting ideas is to show things that you find fascinating that other people may find boring. This essay describes how a judge mandating "reprimands for speeding tickets might be dull for some," but how they find it interesting. Everything, even the seemingly mundane, has interesting aspects if you're willing to look closely enough. When brainstorming, ask yourself: what do I find fascinating that others find boring? What do I think is "fun" while others may think it is "hard" or boring? By following these threads, you can often find unique and compelling ideas that allow you to bring the reader into your world and show them how you see the world uniquely.

A common trap when writing a personal statement is to use a descriptive, fiction-like story to start your essay. Although this may sound like a good idea, it is often ineffective because it buries what is most interesting (your ideas and reflections) and can easily be long and drawn out. Short, concise stories with a focus can be effective introductions, but in general avoid overly descriptive storytelling to start your essay. Also, avoid describing things that aren't critical to your main point. There is little to no benefit in describing things like "I smoothed my skirt and rose slowly from the chair." Focus on why your stories matter, rather than telling stories in a descriptive manner.

This essay does have some reflections, particularly about how the author discovered their passion for law by joining the Youth Court. However, most of these ideas end there, and there aren't any deep, unique ideas. The closest the author comes to having a unique and compelling idea is the final sentence where they write "the value of prioritizing the common good above individual success." This could be a fascinating topic to explore, but ultimately is cut short because it is tagged onto the ending. Your focus when brainstorming and drafting should be to have specific and original ideas—ideas that are not generic, not cliché, and not surface-level. To get to those ideas, ask yourself probing questions like "Why" and "How" over and over.

Personal Statement Example #15: Growing Up Asian

Personal statement example #16: secrets of riddles.

Common App Prompt #6: Describe a topic, idea, or concept you find so engaging that it makes you lose all track of time. Why does it captivate you? What or who do you turn to when you want to learn more? (250-650 words)

As I was going to St. Ives, Upon the road I met seven wives; Every wife had seven sacks, Every sack had seven cats: Cats, sacks, and wives, How many were going to St. Ives?

The riddles of life were not as straightforward as the puzzles in my books and websites. In fact, they were not straightforward at all, like winding mazes of philosophical quandary.

One of the most thought-provoking subjects that preoccupies my mind regards the existence of aliens. Initially, my mind was settled on the possibility of intelligent life. A universe so big could not possibly be lifeless.

As for the solution to the riddle at the start:

How many were going to St. Ives?

This essay does well by having a unique central topic—riddles—which allows the author to draw out interesting ideas related to this theme. Your topic doesn't necessarily need to be profound or hugely significant, because this author shows how you can take a seemingly unimportant topic and use it to make meaningful connections. In this essay, riddles grow to represent something greater than the activity itself, which is something you can do with almost any topic.

One of the most effective ways to "show, not tell" is to use specific and tangible examples. This essay does a great job of exemplifying their ideas. Rather than just saying "I enthralled my friends with questions," the author also shows this: "Over peanut butter and sliced ham, I assumed the role of story teller..." Examples are always more convincing because they are proof, and allow the reader to interpret for themselves. Don't tell the reader what you want them to think. Instead, set up moments that guide the reader to come to those conclusions themselves.

This conclusion connects back to the beginning, which is generally a good idea as it creates a cohesive structure. However, this ending doesn't quite make sense in the context of the riddle. Rather than creating new meaning, it comes off as arbitrary and contrived. Make sure your conclusion isn't creative just for creative-sake, and instead also has significant meaning attached to it.

Personal Statement Example #17: Rubik's Cube

Personal statement example #18: narrative diversity.

If your cultural background or identity is an important part of who you are, then writing about it can make for a compelling essay. Often times in college admissions, Asian-Americans in particular are advised to "hide" their ethnic background, because it can be perceived to hurt their application. This student embraces their Asian heritage by recognizing ways in which they faced societal barriers. As this essay shows, regardless of your identity, there are unique aspects you can delve into that can make for compelling topics.

This essay does a great job of reflecting upon previously held beliefs, such as "I unconsciously succumbed to the 'reserve and quiet' Asian stereotype," and challenging them. Questioning your beliefs and where they came from can often be a good starting point for interesting reflection. Showing your new perspectives over time also conveys self-growth. Ask yourself: what did I once believe (in regards to myself, an activity, other people, etc.), what do I believe now, and how has this changed?

Rather than starting off with an activity and then reflecting upon it, this student takes a different approach. By introducing an interesting idea (the representation of underrepresented groups in media) and then later connecting to their activities, it makes the incorporation of those extracurriculars seem more appropriate and natural. The last thing you want to do is list your activities plainly, but it's still important to reference them. One strategy to naturally talk about your activities and accomplishments is to attach them to interesting ideas, as this essay shows.

Personal Statement Example #19: Search for Dreams

Common App Prompt #7: Share an essay on any topic of your choice. It can be one you've already written, one that responds to a different prompt, or one of your own design. (250-650 words)

The diamond leaves of gnarled oak trees throw spectrums of color onto mounds of frosty snow that gleam melancholily under the moonlight. The leaves chime as wind violently rustles them in a haunting melody. I splinter a leaf off its branch and inspect the shard of my illusion, eyes dancing with amusement.

As I dwell in my worries, a cold hand reaches from behind me and taps my shoulder.

I jerk away, fear bubbling in my amygdala as I look into the nonexistent eyes of my intruding visitor.

The moon illuminates a blob of pink squish as it draws back slowly, points its spindly hands towards my drink and asks: “Could I have some of that?”

The blob wipes its invisible mouth with its nonexistent sleeve. I ask: “What are you?”

The blob tells me to stop looking at it so suspiciously. “I can prove it,” It says. I tell it, please, go ahead.

Suddenly we are back in the glowing forest. “Diamonds? Pah!” The blob dismisses them. Instantly, the leaves turn solid gold, the snow melts, and the wintry world is thrown into a blistering summer.

The blob laughs heartlessly. “Your cortex is under my control,” it says smugly.

“I heard you had a question for me?” It taps its invisible ears knowingly.

The blob wriggles its invisible brows as it waits.

It smiles that wicked smile. It laughs that sinful laugh. Then that insufferable blob wakes me up.

As I sit up in the dark and rub my bleary eyes, I am vaguely aware of the deep­set unfulfillment settling itself inside me. I yawn and plop back into bed, the soft red glow of my alarm clock indicating that it is still before midnight.

One thing is for sure about this essay: it has a unique idea that has surely not been written before. Regardless of your topic, you want your essay to be unique in some way, even if it isn't as fantastical as this essay. You can use a unique structure, such as having central symbolism, metaphor, or being structured as a recipe, for example. But this can easily become "gimmicky" if it doesn't have a clear purpose. In general, the most effective way to have a unique essay is to focus on having deep and unique ideas and reflections. By focusing on interesting takeaways and connections that are ultra-specific to you and your experiences, your essay will standout regardless of the structure.

This essay uses a lot of fiction-like writing that is fantastical and "flowery." Although moments of this kind of writing can make your essay more vivid, it is quite easy to end up with dense storytelling and descriptions that ultimately don't share anything interesting about you. The purpose of your essay is ultimately to learn about you: your values, your ideas, your identity, etc. By using dense story-like writing, it can be easy to lose focus of what admissions officers are looking for. In general, avoid writing "fancy" stories like this essay, unless you have a clear and distinct purpose for doing so. Everything in your essay should have a purpose in "going somewhere" (i.e. reaching interesting ideas and takeaways).

This essay is definitely creative, but lacks meaningful takeaways and ideas. By the end of the essay, we don't know much about the author besides the fact that they have an affinity for creative writing and are "on a search." Although the content is unique, the end result comes off as quite generic and surface-level because no interesting thoughts are explored deeply. The most interesting part of this essay is "I open my mouth and ask it my most crucial question," but this is super unsatisfying because the question is never divulged. Instead, the reader is teased by this fantasy story and the essay goes nowhere meaningful, which comes off as gimmicky and "creative for creative's sake," rather than deeply personal and interesting.

This essay ends on the idea of "continuing my search," but for what exactly? It is never explained, elaborated, or even implied (besides one reference to painting earlier). That makes this conclusion comes off as somewhat surface-level and uninteresting. Admissions officers won't care about "your search" unless they have a reason to care. That is, unless it tells something specific about you. On it's own, this idea of "exploring" and "searching" is meaningless because it is too broad and unelaborated.

Personal Statement Example #20: Recipe for Success

Step 1: Collect the ingredients

Step 2: Marinate the meat

Step 3: Wrap the dumplings

Step 4: Boil or pan-fry?

Step 5: Share and enjoy!

This essay has a clearly unique format in that it is structured as a dumpling recipe. By walking the reader through each step of dumpling-making, the student is able to explore various ideas and use the dumpling process as a metaphor for their own self-discovery. Having a creative structure like this can be beneficial, so long as you also have compelling ideas and the structure isn't unique just for the sake of being unique.

This whole essay is one big metaphor: the student compares their self-growth to the process of making dumplings. In doing so, the student introduces their heritage, while also having a creative literary device that they can use to explore various topics. By having a "central theme" such as this essay does, it makes it easier to explore a variety of ideas and activities, without seeming like you're listing them.

Struggles are one of the most defining aspects of self-development, and admissions officers are interested to see how you have overcome challenges. These difficulties don't need to be extreme tragedies or insurmountable obstacles, but everyone has faced difficulties. By reflecting upon those difficulties, you can draw out interesting ideas, showcase vulnerability, and express your personality.

What You Can Learn From These Personal Statement Examples

With these 20 Personal Statement examples, you can get inspired and improve your own essays. If you want to get accepted into selective colleges this year, your essays need to make you stand out.

These 20 examples show how real students got into highly selective schools and teach us several lessons for writing your own successful Personal Statement essay:

• Write a compelling first sentence that grabs the reader
• Be specific and reference things by name
• Tell a meaningful story
• Reflect on your life and identity. Be self-aware.

If you enjoyed these personal statement examples, check out some of our top Common App Essays , which are also personal statements essays, but for the Common Application.

Which of these personal statement examples was your favorite?

Ryan Chiang , Founder of EssaysThatWorked

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What is changing with personal statements?

Personal statements are changing from one longer piece of text to three separate sections, each with a different question to help shape the focus for students' answers. Each section will have a minimum character count of 350 characters, which is clearly labelled on the question boxes, along with an overall character counter, to ensure students know if they're on track. The new web page for submitting the personal statement will also feature helpful on-page guidance for each question.

The new questions are as follows:

• Why do you want to study this course or subject?
• How have your qualifications and studies helped you to prepare for this course or subject?
• What else have you done to prepare outside of education, and why are these experiences useful?

What isn't changing?

• The personal statement will still be 4000 characters in total; this includes spaces.
• The content of the personal statement will remain broadly the same - it will just be split across three sections rather than one longer piece of text. The expectation for what students need to cover within the personal statement is mostly unchanged from current guidance. 

Supporting equal opportunities for all students

In our commitment to equity and inclusion, we believe that every student deserves a fair chance to articulate their unique journey, aspirations, and potential. Scaffolding questions level the playing field, providing clear guidance and structure for all applicants, regardless of their background or prior experience with essay writing.

Scaffolding questions offer students a roadmap, breaking them down into manageable parts. By providing specific prompts, students gain clarity on what to address, fostering focus and coherence in their writing. This ensures that each aspect of their experiences and goals is thoughtfully explored and articulated.

Who did we consult?

We engaged with a diverse spectrum of voices, including over 1,200 UK and international students, alongside input from 170 teachers and advisers, and representatives from over 100 universities and colleges. Additionally, we collaborated closely with governmental bodies, regulatory agencies, and charitable organisations across the UK.

To ensure the highest quality, we partnered with an external research agency to rigorously test the new template, guidance, and wording.

The results spoke volumes:

• When surveyed during the research phases of the proposed personal statement changes, over half the students UCAS spoke to found completing the three questions "very easy" or "easy".
• Admissions teams said it made it easier for them to assess applications and more confident that they will receive the information they need to make decisions.  
• Applicants who don't have school support - for instance, mature students - will find it easier to complete their personal statement successfully. This will even the playing field for widening participation, ensuring consistency across all personal statements no matter what level of support students have access to.
• Most advisers preferred the new format and said it would enable students to provide more complete and detailed statements, with the majority of advisers surveyed as part of the research stating they were "very confident" or "extremely confident" that the questions clearly convey what is needed for each answer.

Dr Jo Saxton, Chief Executive, UCAS

What are students expected to include in their answers.

The three new questions will enable students to talk about why they're interested in the course they're applying to, linking their academic and extra-curricular experience to their chosen course. The personal statement is an opportunity for students to show admissions staff evidence that they're passionate, curious and knowledgeable about the subject area they're looking to study further and have the relevant skills and potential to be a great student who has a genuine interest in the subject and a desire to learn more. Students may feel an example could fit into more than one section — there's no right or wrong section to include something in, the important thing is to explain why they're including it and what they've learned from it.

It's important to note that any examples given by UCAS are merely guidance, and not everything suggested needs to be included in every personal statement. Requirements may differ for each university or college, as well as depending heavily on the course.

Question 1: Why do you want to study this course or subject?

This is the opportunity for students to showcase their passion, curiosity, interest, and knowledge of their chosen subject area and to demonstrate to universities and colleges why it’s a good fit for them and their future ambitions.

Examples of what they might talk about here are:

• Their motivations for studying this course(s): Have they been inspired by a key role model or moment in their life? Maybe it’s a subject they love and want to pursue further. We’re all driven by something and it’s important for students to talk about how their path has led them to this course or subject area.
• Their knowledge of this subject area and interests: Perhaps there’s a particular subject area they've researched and can’t wait to learn more about, or a book or subject expert doing great things that have sparked their interest? Universities and colleges want to see students have done their research so they can be confident this is something they will enjoy and excel in. This is a great place to highlight super-curricular activities as evidence of curiosity and interest in the subject outside of the classroom. 
• Future plans and why this course/subject is a good fit: If they already have a particular profession in mind, they could talk about how they'll use their studies to launch their career. If they don’t, think about what’s important to them and their future, and how the knowledge gained from their chosen course(s) will help them to achieve this.

Here are some more examples for this section:

• Personal life experiences e.g. being a carer, the environment where you grew up or lived, an inspirational friend, colleague or family member, a book you read, a news article or blog/vlog, a YouTube video, a podcast, a show you saw, Subject Spotlights
• Understanding of the area and the qualities you might need to succeed in it – research into the course/area

Question 2: How have your qualifications and studies helped you to prepare for this course or subject?

This is the chance for students to show evidence of the relevant or transferable skills they've gained from their formal education and highlight their understanding of how this will help them succeed in this subject area.

• How their studies or training relate to their chosen course(s) or subject area: This could be current or previous studies within a school, college, training provider, or even a short online university course – any form of formal education. The main thing here is to focus on what’s most recent and relevant to their chosen course(s).
• What relevant or transferable skills they have that make them a great candidate: Maybe there are a couple of subjects that have helped them develop a core set of skills required for their chosen course(s). Or, a particular module that helped them understand where their interests and strengths lie.
• Any relevant educational achievements: Universities and colleges will see students' grades elsewhere on their application, so don’t waste time talking about these. Consider accomplishments like winning a school or national competition, serving as a student ambassador or team captain, or landing the lead role in a play.
• Specific modules or topics
• Essays or projects that explore a particular view point or technique
• EPQ – Extended Project Qualification
• School, local, or national competitions e.g. UKMT
• Private lessons and qualifications e.g. music, stage school or sports if relevant to the course
• Tutoring or mentoring
• Online courses leading to a qualification

Question 3: What else have you done to prepare outside of education, and why are these experiences useful?

This is students' chance to talk about any other activities they have undertaken outside of their formal education or personal experiences which further demonstrate their suitability for the course. This section is likely to be highly personal to them and anything they do include should reflect on why they're including it.

• Work experience, employment, or volunteering: Whether it’s in-person work experience at their local school or virtual work experience through Springpod , or volunteering at a dog shelter, the key thing here is for them to reflect on their experiences and the skills gained relevant to their chosen course(s).
• Personal life experiences or responsibilities: Is there a situation they've personally overcome that has influenced their decision? Are there responsibilities such as caring for a family member that has helped them develop essential qualities for the course like resilience and empathy?
• Hobbies and any extracurricular or outreach activities: Think sports, reading, community work, summer schools – any activities outside of their studies that help further showcase why they'd make a great student.
• Achievements outside of school or college: This could be a position of responsibility such as captain for their local club, a music, competition they won, or a qualification they've attained outside of the classroom.

Extra and super-curriculars

Volunteering

Personal life experiences e.g. caring for a family member, overcoming a challenge

Young enterprise

Work experience

Job/employment – part-time or full-time

Work-based learning/CPD

Online learning activities e.g. Springpod, MOOCs etc.

Trips and visits (online or in person) e.g. Museums, exhibitions, galleries, sites of historic interest, relevant sites connected to your course e.g. magistrate courts for law etc.

Podcasts, TED talks, documentaries etc.

Duke of Edinburgh/Duke of York awards

Expert voices - personal statement

Advice from experts on personal statements

Helen reed, the head of admissions and data services, university of cambridge, supporting students with their personal statement for 2026 entry.

From internal training presentations, to templates for parent communications, we've created supporting resources to help you communicate the changes to your colleagues and to parents. 

Classroom resources coming soon.

Resources to help support internal training on the personal statement changes

Briefing document, supporting internal training, advice for parents, supporting students with their personal statements for 2025 entry.

Looking for advice and resources for students applying for 2025 entry? Take a look at our adviser and student guidance.

Adviser resources for 2025

Student advice for 2025

FAQs for 2026 personal statements

Will the new three personal statement questions be assessed separately by admissions staff, are any of the questions more important or weighted more highly, what are the new three questions, does each answer have to be the same length, when are personal statements changing, what if students are applying for dual honours or multiple courses, peter dunscome, director of higher education, rgs guilford, sponsored articles ucas media service, top ten student money tips, how to prepare for your open day, apprenticeships – the facts.

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Understanding Personal Financial Statements: A Comprehensive Guide

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Financial literacy isn’t just a skill; it’s a necessity in our complex modern economy. Our financial landscape is filled with many challenges—from managing debt and investments to planning for retirement. A personal financial statement is one key financial document that makes navigating these challenges easy.

Personal financial statements, which comprise a balance sheet and cash flow statement, provide a snapshot of your financial health, allowing you to evaluate your current financial condition, track changes over time, and plan for the future. Imagine seeing, at a glance, areas where you can reduce spending, if your net worth is increasing or decreasing, or if you are on track to meet your financial goals.

That’s the kind of clarity these statements provide. They don’t just contain numbers; they provide insights into your financial health, facilitating better decisions and effective long-term planning. For example, a cash flow statement can reveal if you are spending too much on non-essential items, while a balance sheet can show if your debt is becoming unmanageable.

Additionally, analyzing these statements together provides a broad view of your financial situation, helping you identify potential issues before they become significant problems. For instance, if your cash flow statement shows a consistent surplus, but your balance sheet reveals increasing debt, that might be a sign that you are not using your surplus efficiently to pay down debt.

In this guide, we’ll walk you through the two common types of personal financial statements: the personal balance sheet and the personal cash flow statement. We’ll explain each statement, their typical line items, the benefits of creating them, and their limitations.

Finally, we’ll share some pro tips on creating and maintaining each statement, and we’ll examine two case studies that illustrate how each statement can help individuals make better financial choices. At the end of the guide, you will be able to download a free template to get you started on monitoring your finances.

Let’s dive right in.

In a hurry and can’t read this guide in one go? Download the free PDF version to read whenever you have the chance!

Download Link:  Understanding Personal Financial Statements: A Comprehensive Guide

A personal balance sheet provides a snapshot of your financial position at a specific period, typically a month or a year. It outlines what you own (assets), what you owe (liabilities), and the difference between the two, known as your net worth. Assets include your house, car, investments, and savings, while liabilities encompass debts such as your mortgage, car loan, and credit card balances.

For instance, say your assets include a $350,000 house, a $30,000 car, $80,000 in investments, $30,000 in savings, and $10,000 in other assets, totaling $500,000. On the other hand, your liabilities include a $150,000 mortgage, $20,000 car loan, $10,000 credit card debt, $15,000 student loan, and $5,000 in other debts totaling $200,000. In this scenario, your net worth would be $500,000 (Total Assets) – $200,000 (Total Liabilities) = $300,000.

Understanding, creating, and maintaining a personal balance sheet helps you make informed decisions about investments, loans, and other financial matters. For example, by knowing your net worth, you can determine how much debt you can afford for a new home or car, how much you can reasonably invest, or whether you need to focus on paying down existing debt.

A personal balance sheet consists of two major categories: assets and liabilities. You can further divide these categories into subcategories that outline what you own and owe. Let’s briefly examine the typical structure of a personal balance sheet.

“Assets” is the first section on a personal balance sheet, and it covers everything you own that has a monetary value. These include tangible items like your home, car, and personal belongings, as well as intangible items like investments and savings accounts. Essentially, anything you could sell or cash in for money is considered an asset.

Assets are typically categorized into two groups: liquid and non-liquid assets. Let’s briefly examine the types of assets that fall under each group.

Liqui d Assets

“Liquid Assets” is the first category under the “Assets” section. It includes all assets that can be quickly and easily converted into cash without losing much value. Such assets include the following: 

• Cash and Cash Equivalents: This subcategory accounts for physical cash, checking accounts, savings accounts, certificates of deposit, and money market accounts, which are investments easily convertible to cash, making them as liquid as cash.
• Liquid Investments: This subcategory covers stocks, bonds, mutual funds, exchange-traded funds, and other liquid investment assets. You can convert these assets to cash relatively quickly without losing much value.

Non-Liq uid Assets

“Non-Liquid Assets” is the second category under the “Assets” section. This subcategory covers all assets that cannot be easily converted into cash or would lose value in the process. Such assets include the following:

• Retirement Accounts: This subcategory includes all forms of retirement funds you have. While the assets within a retirement account (like a 401(k) or an IRA) may be liquid, there are often penalties and tax consequences for withdrawing funds before a certain age. This is why it is usually classified as a non-liquid asset.
• Real Estate: This subcategory covers the market value of your home, rental properties, or any other real estate properties you own.
• Personal Property:   This subcategory includes the value of tangible assets such as cars, jewelry, furniture, electronics, collectibles, and other personal belongings. Note that these items should be valued at what they could be sold for now, not what was initially paid for them, as the value of many items depreciates over time, and overvaluing your assets can result in an inflated net worth. 
• Business Ownership: If you own a business, the value of your ownership stake is an asset and should be recorded under this subcategory.
• Other Assets: This subcategory accounts for any other assets not included in the preceding subcategories, such as loans you have given to others, tax refunds expected, etc.

Liabilities

“Liabilities” is the second section on your personal balance sheet, and it represents all debts and financial obligations. These can include various forms of debt, such as mortgages, car loans, credit card balances, and personal loans. Essentially, anything you need to pay back to others, whether to a bank, a credit card company, or a friend, is considered a liability.

Just as with assets, liabilities are also usually categorized into two groups: short-term and long-term liabilities. Let’s briefly examine the types of liabilities that fall under each group.

Shor t-Term Liabilities

“Short-Term Liabilities” is the first category under the “Liabilities” section. It includes all debts that are due within a year. Such liabilities include the following:

• Credit Card Balances: This subcategory highlights all you owe to credit card companies.
• Utility Bills: This subcategory covers all your utility bills, such as electricity, water, gas, and internet.
• Medical Bills: This subcategory includes any outstanding bills you owe for medical services or treatments. This can include doctor’s visits, hospital stays, and prescription medications. 
• Personal Loans: This subcategory accounts for any loan you take out for personal reasons, such as to cover unexpected expenses or to consolidate debt, and are due within a year.
• Payday Loans: This subcategory covers all short-term loans typically due on your next payday. 
• Overdrafts: This subcategory highlights the amount by which withdrawals from your bank account exceed the available balance.
• Taxes Due: This subcategory includes everything you owe to the government in taxes. This can include income, property, and any other taxes due within a year.
• Other Short-Term Liabilities: This subcategory accounts for every other bill or money you owe and is due within a year, such as insurance premiums, subscription services, gym memberships, and contingent liabilities, which are potential liabilities that depend on a future event.

Long-Term Liabil ities

“Long-Term Liabilities” is the second category under the “Liabilities” section. It includes all debts that are due in more than a year. Such liabilities include the following:

• Mortgage: This subcategory covers every mortgage you’ve taken on your home. It is typically the most significant liability for most people and is paid off over many years, often 15 to 30 years.
• Auto Loan: This subcategory includes any car loans you’ve taken out. These loans are typically paid off over a period of 3 to 7 years.
• Student Loans: This subcategory highlights any student loans you’ve taken out, which typically have a 10- to 30-year repayment period.
• Personal Loans: This subcategory accounts for any loan you take out for personal reasons, such as to cover unexpected expenses or to consolidate debt, and are due after a year.
• Pension Liabilities: This subcategory spotlights the amount you owe to your pension plan if you have borrowed against it.
• Long-Term Lease Obligations: This subcategory includes the amount you owe on any long-term lease, such as a car or equipment lease.
• Other Long-Term Liabilities: This subcategory covers any other long-term obligations that do not fit the preceding categories, such as a lawsuit settlement being paid off over time.

“Net Worth” is the final figure on a personal balance sheet. This figure is a clear indicator of your financial health, and you can calculate it using the following formula:

• Net Worth = Total Assets – Total Liabilities

For instance, let’s assume you own a house valued at $350,000, have a car worth $20,000, a retirement account with $50,000, and a savings account with $10,000, putting your total assets at $430,000. Let’s further assume you have a mortgage balance of $200,000 and a car loan of $15,000, putting your total liabilities at $215,000. In this scenario, your net worth would be:

• Net Worth = $430,000 (Total Assets) – $215,000 (Total Liabilities) = $215,000

This positive net worth of $215,000 implies that you own more than you owe, which is the ideal financial position to be in. Suppose your liabilities had exceeded your assets in the preceding scenario. In that case, you’d have a negative net worth, meaning you owe more than you own. 

Your net worth is a crucial measure of your financial stability. A high positive net worth implies that you are in a strong financial position and have effectively managed your income, savings, investments, and debts. A negative net worth, on the other hand, signals the need to reevaluate your financial habits to reduce debts and increase assets to avoid financial insolvency.

Understanding your financial situation is crucial for making informed decisions about your future. A personal balance sheet is a valuable tool for gaining this understanding. Here are some key benefits of creating and maintaining this financial statement:

Increased Financial Awareness

Regularly creating and reviewing your balance sheet increases your awareness of your financial situation. This heightened awareness can lead to better financial decisions, such as avoiding unnecessary debt and expenses, making better investment choices, and being more disciplined with savings.

For instance, if you notice that a large portion of your income is spent on dining out and entertainment, this awareness could lead you to make more disciplined spending choices, such as cooking at home or choosing free entertainment options.

Moreover, understanding your financial situation can also lead to psychological benefits. For example, knowing that you have a manageable level of debt and a solid savings plan reduces financial anxiety and increases confidence in your ability to achieve your financial goals. Additionally, this awareness fosters a sense of control over your finances, encourages a more disciplined approach to spending and saving, and promotes a more positive and proactive outlook towards your financial future.

Snapshot of Financial Health

A balance sheet provides a quick, overall view of your financial health by showing your assets and liabilities at a glance, making it easier to identify financial strengths and weaknesses. For example, if your balance sheet reveals that your credit card debt is more than 50% of your total assets, it’s a clear sign that you need to focus on debt reduction. Ignoring this signal could lead to escalating debt, higher interest payments, and a lower credit score.

Conversely, if your balance sheet shows that your assets are three times greater than your liabilities, that implies positive financial strength. You could leverage this strength by investing in higher-yield assets or taking on manageable debt to invest in opportunities with a high return on investment.

However, it is crucial to approach this cautiously and consider the potential risks involved. Do thorough research or consult a financial advisor before making significant financial decisions.

Wealth Tracking

Creating and updating your personal balance sheet regularly helps you monitor your wealth over time. This ongoing tracking lets you see if you’re progressing toward your financial goals and pinpoint areas needing improvement.

For example, if you observe that the value of your stock portfolio has decreased significantly over the past year, this might indicate that your investment strategy needs to be reevaluated. Failing to take action could result in further losses, considerably reducing your overall wealth.

It’s important to factor in economic variables like inflation when assessing your financial growth. A nominal increase in wealth doesn’t always equate to an actual increase in financial well-being. For instance, a 3% increase in your wealth over the past year may seem positive, but if the inflation rate is 5%, your real wealth has actually decreased by 2%. It’s great to see your wealth grow year after year, but it’s essential to ask yourself: does the growth rate outpace or at least keep up with inflation?

Financial Planning

A personal balance sheet is an effective tool for planning financial goals. By knowing your net worth, you can devise better strategies for saving, investing, or debt repayment, helping you make informed decisions to achieve your financial goals. Let’s say you notice that your net worth is decreasing; it might be time to cut expenses, pay down debt, or reconsider large purchases or investments.

For example, if your net worth has decreased by 10% over the past year, you might decide to sell non-essential assets, reduce discretionary spending, or refinance your debt to lower interest rates. Doing a mix of the preceding will help you increase your net worth.

Additionally, a personal balance sheet can help you create a clear and detailed financial plan. For example, by knowing your net worth, you can set realistic savings and investment goals for the next year.

Remember, it is necessary to regularly revisit and adjust your financial plan and goals as your financial situation changes. Factors that may necessitate a change in your plan include a change in income, unexpected expenses, or changes in your financial goals. For example, if you receive a promotion and a salary increase, you may want to adjust your savings and investment goals accordingly. Similarly, if you incur unexpected medical expenses, you may need to adjust your budget and debt repayment plan .

Advanced Financial Analytics

Creating and maintaining a personal balance sheet makes it easier to calculate and track important personal financial ratios like the debt-to-asset ratio and capitalization ratio. These ratios are crucial for assessing your financial health and stability. For example, the debt-to-asset ratio helps you understand how much of your assets are financed by debt. In contrast, the capitalization ratio helps you understand your financial structure by showing the proportion of debt owed relative to equity owned.

While a personal balance sheet is an indispensable tool for understanding your financial health, planning your financial future, and making informed financial decisions, it’s also important to recognize its limitations. Knowing them helps you better interpret the information your balance sheet provides and understand what additional steps you may need to take to neutralize each limitation. Here are some key limitations of a personal balance sheet:

Doesn't Show Cash Flow

A balance sheet provides a snapshot of your financial situation at a specific point in time but doesn’t show cash flow. A cash flow statement provides a dynamic view of how money is earned and spent over a specific period. This can highlight issues not immediately apparent from the balance sheet, such as a negative cash flow despite a positive net worth. For example, someone might have a high net worth and still have cash flow problems because most of their assets are illiquid (e.g., real estate, long-term investments, etc.). Creating and maintaining a balance sheet and a cash flow statement is a great way to overcome this limitation.

Fluctuating Values

The values of assets and liabilities can fluctuate over time, making the balance sheet a snapshot accurate only at the moment it’s prepared. And this variability can significantly impact your financial planning and decision-making. For example, if you intend to sell some of your stocks, the value of those stocks when preparing the balance sheet may differ from the value at the time of the sale. This discrepancy could result in overestimating or underestimating the sale proceeds in your budget, each having distinct repercussions.

Consider a scenario where you plan to use the sale proceeds to repay debt. If the actual proceeds are lower than anticipated, you may find yourself unable to cover the debt fully, leading to additional interest charges or penalties. For this reason, it’s crucial to update your balance sheet frequently and exercise caution when making financial decisions based on it.

Subjective Asset Valuation

Some assets, like jewelry, art, or antiques, can be difficult to value accurately, making it challenging to create an accurate personal balance sheet. For instance, valuing a piece of art at $12,000 when it’s actually worth $5,000 will inflate your net worth and potentially mislead your financial planning. It’s advisable to consult a professional appraiser for items of significant value to mitigate this limitation.

Dependency on Accurate Data

The effectiveness of a balance sheet depends on the accuracy of the data inputted. Even minor errors in asset or liability values can lead to incorrect conclusions about your financial health. For example, an underestimation of debt by $1000 may seem inconsequential, but when interest is taken into account, the actual value of that debt could be significantly higher over time. This could lead to understating the time and money required to repay that debt.

Creating a personal balance sheet is crucial for anyone interested in managing their finances responsibly. However, the real benefit of a personal balance sheet lies not just in its creation but in regularly updating and using it wisely. Here are some pro tips to help you make the most of your personal balance sheet:

Start with Accurate Information

Gather all your financial documents, such as bank statements, mortgage statements, and credit card bills, before creating your balance sheet. Doing so will help ensure you don’t miss any assets or liabilities.

Categorize Your Assets and Liabilities

Break down your assets and liabilities into categories such as liquid assets (cash, savings), non-liquid assets (real estate, investments), short-term liabilities (credit card debt, other debts due within a year), and long-term liabilities (mortgage, student loans).

Consider Future Liabilities

Include expected future liabilities, such as a child’s college education, a planned home renovation, or future taxes, in your personal balance sheet. Doing so will help make your financial planning more accurate and effective.

For example, let’s say you’re planning for your child’s college education. You can estimate this future liability by researching the current tuition fees of the college your child might attend and its historical growth rate.

Suppose the current tuition fee is $30,000 per year, and historically, the tuition fee has increased by 5% annually. You can estimate that in 10 years, the tuition fee would be approximately $48,890 per year ($30,000 × (1 + 0.05)^10). This estimation will help you plan and save accordingly.

Use Conservative Values

Be conservative when estimating the value of your assets. This means using the lower end of an estimated value range and being cautious when including assets whose value is highly uncertain. Overestimating the value of your assets provides a false sense of financial security and leaves you unprepared for unexpected financial downturns.

Be Thorough

Being conservative matters a lot in creating an accurate personal statement, but so does being thorough. Ensure you include all your assets and liabilities, even if they seem insignificant. Small amounts can add up over time and may affect your financial health more than you realize. Assets and liabilities commonly overlooked include:

• Digital assets like cryptocurrency;
• Intellectual property (e.g., copyrighted material, patents);
• Collectibles (e.g., rare coins, stamps); and 
• Prepaid expenses (e.g., prepaid insurance, prepaid rent).

Liabilities: 

• Outstanding medical bills;
• Unpaid taxes;
• Personal loans from friends or family; and 
• Any accrued interest on existing loans.

Update Regularly

Update your balance sheet at least every quarter or when there is a significant change in your assets or liabilities, such as receiving an inheritance, buying a house, and paying off or incurring a debt. Recording changes in your assets and liabilities is the best way to spot trends you would have otherwise missed. Moreover, doing so helps make your balance sheet more accurate.

Review Past Balance Sheets

While you should update your personal balance sheet at least four times a year, it’s a good idea to monitor it regularly. Set a schedule for reviewing your personal balance sheet, such as monthly or quarterly. Regularly reviewing past balance sheets can help you identify trends, understand how your financial situation has changed, and make more informed decisions about the future.

Use Alongside A Cash Flow Statement

To better understand your financial health, use your personal balance sheet together with a personal cash flow statement. While the balance sheet provides a snapshot of your financial health at a specific point in time, the cash flow statement shows how you earned your money or spent it over a specific period. Using both financial statements will help you identify trends, gain more insights, and make more informed financial decisions.

Take Advantage of Tools and Templates

There are various tools and templates available online, such as Microsoft Excel templates, personal finance apps, or online budgeting tools that offer personal balance sheet templates. You can start with a basic template from Microsoft Excel and customize it to include categories specific to your financial situation, like adding a section for digital assets or future liabilities.

Reflect and Act

After creating your balance sheet, reflect on your financial situation. Are you meeting your financial goals? Do you need to adjust your spending or saving habits? Use your balance sheet as a tool for making informed financial decisions.

Seek Professional Help

If you are dealing with a complex financial situation, such as managing investments across multiple platforms, dealing with significant debt, or planning for retirement, it might be beneficial to seek advice from a certified financial planner or wealth manager. A financial planner can help you create a comprehensive financial plan, while a wealth manager can help you manage your investments and optimize for tax efficiency.

A personal cash flow statement tracks how much cash you’re earning and where it’s being spent over a specific period, typically a month or a year. This statement provides valuable insights into how you are managing your cash resources, enabling you to understand your spending patterns and make better financial decisions.

A personal cash flow statement records cash inflows and outflows during a specific period. Think of it as a story of your personal finances from a cash perspective, showing you where your money came from (inflows), where it went (outflows), and the net difference between the two. If your inflows exceed your outflows, then you’ll have a positive cash flow. Conversely, if your outflows exceed your inflows, then you’ll have a negative cash flow.

For example, let’s say your monthly cash inflows (salary, freelance work, etc.) are $5,000, and cash outflows (rent, utilities, groceries, etc.) amount to $3,200. In this scenario, your personal cash flow statement for that month would show a surplus of $1800, money you can put towards savings, investment, or other financial goals.

A personal cash flow statement typically consists of two main sections: cash inflows and cash outflows, which can be further divided into various categories and subcategories.

When creating a personal cash flow statement, it is essential to break down your cash inflows and outflows into different line items that track your income sources and expenditures. This detailed breakdown provides a clearer view of your financial situation, helping you identify potential areas for savings or producing additional income.

Let’s briefly examine the typical structure of a personal cash flow statement.

Cash Inflows

“Cash inflows” is the first section on a personal cash flow statement; it covers all the money that comes into your possession during a specific period, usually monthly or yearly. These inflows can include your salary, bonuses, dividends from investments, rental income, money received from selling assets, gifts, or any other sources of income. Essentially, any money you receive or earn is a cash inflow.

Cash Inflows are typically grouped into three categories: earned income, passive income, and other income. Let’s briefly examine the types of cash inflows that fall under each category.

Earned Income

“Earned Income” is the first category under the “Cash Inflows” category. It covers any money you earn by providing a service, working a job, or running a business. 

Common types of income under this category include the following:

• Salary/Wages: This line item covers your primary income source, typically earned through employment or self-employment. This is generally the largest portion of your income.
• Bonus/Commissions: This line item includes any additional income from your primary employment beyond your salary or wages.
• Business Income: If you have a side business or gig, such as freelance work or a small online business, include the gross income (i.e., income after business-related expenses are deducted) under this subcategory. For example, if you have a freelance business and earn $10,000 monthly but have $2,000 in business-related expenses (such as advertising, supplies, etc.), you would record $8,000 ($10,000 – $2,000) under this subcategory.

Passiv e Income

“Passive Income” is the second category under the “Cash Inflows” section, and it highlights any cash you earn without active, ongoing effort after the initial groundwork or setup. This category typically contains the following subcategories:

• Investment Income: This subcategory accounts for stock dividends, bond interest payments, rental property income, or any other income you earn from your investments. For example, if you own 100 shares in a company that pays $1 in dividends per share quarterly, you would receive $100 every quarter. This $100 would be recorded under this subcategory.
• Non-Investment Passive Income: This subcategory covers any income from passive ventures or endeavors where capital investment isn’t the primary driver, such as royalties from intellectual property and ad revenue from websites, blogs, or YouTube channels.

Oth er Income

“Other Income” is the third category under the “Cash Inflows” section, and it includes any other money you receive that doesn’t fall under the categories of earned or passive income. Typical subcategories under this category include the following:

• Asset Sales: If you’ve sold any assets like cars, furniture, investments, etc., the cash generated from these sales would be recorded under this subcategory. For example, if you sold a car for $10,000, this amount would be recorded under the “Sale of Assets” subcategory. Similarly, if you sold shares of stock for a total of $5,000, this amount would also be recorded here.
• Miscellaneous Income: This subcategory tracks all miscellaneous income sources like alimony, child support, social security income, lottery winnings, gifts, and inheritance. For example, if you received $500 as a reimbursement from your employer for work-related expenses, $200 as a refund from a returned purchase, and $50 as cashback from your credit card, you would record these amounts under this subcategory.

Cash Outflows

“Cash outflows” is the second section on a personal cash flow statement, and it represents all the money you spend during a specified period, typically monthly or yearly. These outflows include expenses such as rent or mortgage payments, utility bills, groceries, transportation costs, loan repayments, and entertainment. 

Essentially, any money you spend is a cash outflow, and unlike cash inflows, which increase your available funds, cash outflows reduce them. Let’s briefly examine the types of cash outflows that fall under this section.

Ess ential Expenses

“Essential Expenses” is the first category under the “Cash Outflows” section. It tracks all necessary costs you incur to maintain your basic standard of living. In other words, this category covers every cash you spend on needs rather than wants. Another way to think about essential expenses is that they are cash you need to spend to survive and function in society. Common types of expenses under this category include the following:

• Housing: This subcategory covers your mortgage or rent payments, maintenance, property tax, and renters’ insurance, among other housing-related costs. If you own a home, you will have property tax expenses; if you rent, you may have renters’ insurance. Accounting for these variations makes your cash outflows more accurate.
• Utilities: This subcategory accounts for basic services vital to everyday living, such as electricity, gas, water, sewer, trash, internet service, and phone bills.
• Food: This subcategory typically includes groceries and other essential food-related expenses, like school lunches for children or meals for elderly family members.
• Transportation: This subcategory highlights car payments, gas, insurance, maintenance, public transit, ride-share costs, vehicle registration, tolls, parking, and all other transportation-related expenses. 
• Healthcare: This subcategory covers health insurance premiums, out-of-pocket medical costs, prescriptions, alternative therapies, health supplements, and all other healthcare-related expenses. 
• Education: This subcategory includes tuition, textbooks, online courses, professional development, workshops, seminars, conferences, school supplies for kids, tutoring, educational software, and other education-related expenses. 
• Essential Personal Care: This subcategory includes clothing, personal grooming, dental care, cosmetics, skincare, and other personal care-related expenses. 
• Child Care/Support: This subcategory covers child care costs, school fees, child support payments, and other related expenses. 
• Insurance: This subcategory spotlights life insurance, disability insurance, and other insurance-related expenses. 
• Taxes Paid: This subcategory covers any additional tax payments you may make, such as estimated tax payments, that are not automatically deducted from your income. 
• Miscellaneous Essential Expenses: This subcategory covers essential expenses that don’t fit into the preceding subcategories. These include prescription glasses or contacts, special dietary needs, home safety equipment, professional licensing or certification fees, alimony payments, bank fees, etc.

Non-Essential Expenses

“Non-Essential Expenses” is the second category under the “Cash Outflows” section. All expenses that aren’t necessary for your survival or basic comfort but contribute to your lifestyle and happiness fall under this category. These expenses are typically optional and can be reduced or eliminated if necessary. Common types of non-essential expenses under this category include the following:

• Dining and Entertainment: This subcategory covers cash spent on meals, snacks, and beverages from restaurants, cafes, takeout, and delivery services.
• Luxuries: This subcategory includes any cash spent on things like jewelry, high-end electronics, designer clothing, etc.
• Non-Essential Personal Care: This subcategory accounts for expenses that are not necessary for maintaining basic health and hygiene. These expenses include spa and massage treatments, luxury cosmetics and skincare, tanning, etc.
• Leisure and Entertainment: This subcategory includes a wide range of expenses like gym memberships, subscriptions (like Netflix, Spotify, club memberships, etc.), hobbies, vacations, cultural events, theater, concerts, etc. 
• Miscellaneous Non-Essential Expenses: This subcategory accounts for all the expenses that are not crucial for your survival, basic comfort, or regular lifestyle but don’t fit into any existing non-essential expenses subcategories. These include gifts, donations, decor, special occasions, pet-related expenses, books, magazines, etc.

Non-Recurring Expenses

“Non-Recurring Expenses” is the third category under the “Cash Outflows” section. It accounts for essential or non-essential expenses that don’t occur regularly or predictably and don’t fit under preceding categories and subcategories. For example, acquisition of assets, legal fees, or any unexpected expenses like family emergencies. Common types of non-recurring expenses under this category include the following:

• Assets Acquisition: If you’ve bought assets like property, vehicles, or other large purchases, the cash used for these acquisitions would be recorded under this subcategory. 
• Property Loss: Expenses related to replacing lost or stolen property not covered by insurance, such as replacing stolen electronics, furniture, or other valuable items, can be recorded here.
• Family Emergencies: Expenses related to unexpected family emergencies, such as travel costs for a family member’s funeral or medical emergency, can be recorded here.

Debt Payments

“Debt Payments” is the fourth category under the “Cash Outflows” section. Any money used to repay the principal and interest on your debts is recorded under this category.

“Savings” is the fifth category under the “Cash Outflows” section. It tracks whatever income is set aside for future use, such as an emergency fund, retirement, or specific financial goals. Common line items under this category include goal-specific savings, emergency funds, retirement accounts, etc.

Investments

“Investments” is the sixth category under the “Cash Outflows” section. It covers any money used to purchase assets with the expectation that they will generate a return in the future. Line items commonly recorded under this category include stocks, bonds, mutual funds, real estate, start-up investments, etc.

Calculating your net cash flow is the final step in creating your personal cash flow statement. Net cash flow is the figure you get after subtracting your total cash outflows from your total cash inflows. It’s a vital indicator of your financial liquidity. You can calculate this figure using the following formula: 

• Net Cash Flow = Total Cash Inflows – Total Cash Outflows

To illustrate how to calculate net cash flow, let’s consider the following example. Assume your total cash inflows, which include your salary of $4,000, investment income of $500, and other income sources of $500, come to $5,000 per month. And your total cash outflows, encompassing costs such as housing ($1,500), food ($500), transportation ($400), personal expenses ($400), and debt repayments ($900), sum up to $3,700 per month. In this case, your net cash flow would be:

• Net Cash Flow = $5,000 (Inflows) – $3,700 (Outflows) = $1,300

Your net cash flow is $1,300 in this scenario, indicating a positive cash flow. This means you earn more than you spend, leaving you with excess cash that can be used for savings, investments, or reducing debt.

Interpreting your net cash flow involves understanding what the number means for your financial health. A positive net cash flow indicates a healthy financial situation where you live within your means and have leftover income to allocate towards savings, investments, or debt repayments. This is generally an ideal financial position to be in.

Conversely, if your net cash flow is negative, you spend more than you earn. A negative net cash flow could be due to one-time large expenses or indicate a pattern of overspending. If it’s the former, this may not pose a long-term issue, but if it’s the latter, you may need to reassess your budget and spending habits. Creating a detailed budget, tracking your expenses, and identifying areas where you can cut back or increase your income can help turn a negative net cash flow into a positive one.

To summarize, your net cash flow reveals whether you’re living within your means or overspending. It can serve as a wake-up call to adjust your spending habits or as a green light that you’re on track with your financial plans.

Creating a personal cash flow statement is more than just a financial exercise; it can help you develop a roadmap to your financial freedom. Whether you’re struggling with budgeting, debt, or planning for the future, a personal cash flow statement can provide invaluable insights. Here are some of the key benefits you unlock when you create a personal cash flow statement:

Regularly updating and reviewing your personal cash flow statement not only helps you keep tabs on your financial situation but also increases your awareness of your spending habits. For example, regularly reviewing your personal cash flow statement might help you notice that you’re consistently spending $100 monthly on takeout. Noting this pattern is the first step toward deciding whether this is an area where you can and should cut back.

Interestingly, as you regularly review your personal cash statement, you will become more conscious of your spending decisions in real time, not just when you review your statement.

Enhanced Budgeting

A personal cash flow statement can help you create a more detailed and practical budget by identifying exactly where your money is going. And with a comprehensive cash flow statement, you can easily spot areas where you may need to cut back on your expenses or allocate more funds.

For instance, let’s say you notice that your grocery bill has increased significantly over the last six months. You can delve deeper to understand why and adjust your budget or behavior accordingly. You may decide to allocate more funds to your grocery budget for the following months or find ways to reduce grocery expenses. This real-time feedback loop is invaluable for effective budget management.

Set Achievable Financial Goals

By highlighting your disposable income or the money left over after all cash outflows have been accounted for, a personal cash flow statement can help you set realistic financial goals, both short-term and long-term. This way, you’re not just aiming mindlessly but setting achievable targets.

For instance, if your cash flow statement reveals that you have $300 left each month after essential expenses, setting a goal to save $500 a month would be unrealistic and could leave you frustrated. On the other hand, a realistic goal based on your actual disposable income, such as saving 20% ($60) monthly, can improve your financial self-esteem and encourage you to maintain or improve your financial habits.

Evidently, setting achievable goals not only improves your financial self-esteem but also leads to a sense of accomplishment that motivates you to set and achieve more financial goals.

Effective Debt Management

Effective debt management is critical to eliminating liabilities within the shortest possible time to avoid unnecessary interest payments. A well-structured cash flow statement can reveal non-essential expenses you could cut back on or eliminate to free up funds to fast-track your debt repayment.

Consider this scenario: After creating a monthly cash flow statement, you notice spending $200 on gourmet coffee and $150 on streaming services. Making coffee at home and canceling a few subscriptions could free up $350 monthly or $4,200 annually!

When redirected to your credit card debt, this surplus can significantly reduce your outstanding balance and the interest you’d otherwise accrue, fast-tracking your path to being debt-free. Similar savings can be spotted in areas like dining out, unused gym memberships, or impulse online purchases.

Remember, staying disciplined with your repayment strategy is vital to managing and eliminating debt. Timely repayments free you from debt faster and improve your credit score, opening doors for better financial opportunities in the future.

Deeper Financial Analysis

The insights a personal cash flow statement provides are not limited to tracking income and expenses. By using your cash flow data, you can easily calculate key personal financial ratios. An example of these ratios is the debt-to-income ratio, calculated by dividing total monthly debt payments by total income.

Personal financial ratios are more than just numbers. Despite popular misconceptions, they are performance indicators that can help anyone gauge their financial health and make informed decisions. For example, lenders consider a debt-to-income ratio higher than 0.36 as a red flag. Your ratio exceeding this threshold may result in higher interest rates on loans or make it challenging to secure credit. In such a situation, it’s prudent, therefore, to reduce existing debt before attempting to take on additional debt.

By creating and regularly updating your cash flow statement, you can actively monitor these ratios, spot trends, and make adjustments to reach financial goals more effectively.

While a personal cash flow statement is invaluable for understanding your finances, it has limitations, which, when recognized, can lead to a more accurate interpretation of your data. Here are a few limitations to remember when analyzing a personal cash flow statement.

Doesn't Reflect Future Commitments

A cash flow statement primarily captures present transactions and doesn’t account for upcoming financial obligations like loan repayments or planned investments. For instance, if you’ve recently agreed to a car lease or plan to enroll in a long-term course next year, these commitments won’t appear in your current statement, potentially underestimating future expenses. You can neutralize this limitation by creating a forward-looking budget alongside your cash flow statement.

Doesn't Reflect Total Wealth

A cash flow statement won’t reflect the value of assets such as your home, car, investments, or savings, thus not fully representing your wealth. A balance sheet, on the other hand, provides a snapshot of your assets, liabilities, and net worth, offering a comprehensive view of your overall wealth. As such, it’s important to use your cash flow statement together with a balance sheet to get a complete picture of your current financial health.

Potential for Missed Expenditures

It’s easy to overlook some expenses, especially smaller or infrequent ones, which can make your cash flow statement inaccurate. One way to mitigate this limitation is by meticulously tracking all cash outflows, no matter how small. You can do this by using an expense tracking app, keeping all receipts, or reviewing bank statements.

Provide a Snapshot of a Specific Period

A personal cash flow statement only provides a snapshot of your cash inflows and outflows for a specific period, typically a month or a year. It does not reflect changes in your financial situation over time. For instance, if you faced a significant medical expense in January and then maintained a strict budget for the next few months, a cash flow statement for April might not reflect the financial strain you experienced at the start of the year. To track your financial progress, you need to regularly update and review your cash flow statement and compare it with previous periods.

Understanding your cash flow is essential for managing your finances effectively. A personal cash flow statement enables you to identify patterns, plan for the future, and make informed financial decisions. However, to get the most out of your personal cash flow statement, you need to be diligent in its creation and usage. Here are some pro tips for creating and using a personal cash flow statement effectively:

Record Everything

Record all inflows and outflows, no matter how small, to make your cash flow as accurate as possible. Even minor discrepancies can lead to an inaccurate picture of your financial health. For example, small expenses like daily coffee or occasional parking fees are often overlooked. However, a $5 daily coffee adds up to $150 monthly and $1,825 yearly. Assuming your yearly expenses amount to $36,000, you underreport your expenses by ~5% every year.

Use Accurate Time Frames

Make sure the time frame for your cash flow statement matches the time frame for your budget and financial goals. A monthly cash flow statement is appropriate for most people because many expenses and income sources occur on a monthly basis. However, if you have significant irregular expenses or variable income, you may need to review and update your cash flow statement more frequently, such as weekly or bi-weekly.

Be Specific

When noting your expenses, avoid grouping them into overly broad categories to understand your spending patterns better. For example, instead of vaguely listing $150 for “utilities,” you could break it down: $50 for “electricity,” $40 for “water,” $30 for “internet,” and $30 for “gas.” Such granularity can reveal surprising spending habits, like unusually high water cost that prompts leak checks or water conservation efforts.

However, it’s also crucial not to overwhelm your cash flow statement with excessive detail. Excessive details can clutter your statement, making it harder to identify overall trends or patterns quickly. For example, instead of listing “Netflix,” “Hulu,” and “Disney+” separately, group them under “Streaming Services”. The goal is to find a categorization balance that ensures your cash flow statement remains streamlined yet insightful, setting the stage for well-informed financial decisions.

Distinguish Between Essential and Non-Essential Expenses

Distinguishing between essential and non-essential expenses helps you identify areas to cut costs. Essential expenses are the basic costs incurred to maintain a safe and healthy living standard; they cover the fundamental needs required to live and work in modern society. Such expenses include groceries, housing, healthcare, utilities, and transportation. On the other hand, non-essential expenses are costs that enhance your life but aren’t vital for your basic survival. Dining out, vacations, luxury shopping, streaming services, etc., are non-essential expenses.

Note that essential expenses can differ based on individual circumstances and lifestyles. For example, if you work from home, high-speed internet becomes a necessity, whereas someone without remote work might view it as a luxury. It’s essential to recognize that what’s necessary for one person might be a luxury for another. Tailor your cash flow statement to reflect your unique needs and priorities.

Plan for Emergencies

Always ensure that you maintain a financial buffer for emergencies and unexpected expenses. Aim to set aside at least 3-6 months’ worth of living expenses in an easily accessible account. This duration is often optimal as it provides adequate coverage for scenarios like unexpected job losses, sudden medical bills, or major home repairs.

Keep your emergency fund in a high-yield savings account, where your money remains readily accessible and earns interest. You might also consider diversifying your emergency fund by putting a portion in money market accounts or short-term certificates of deposit for potentially higher returns.

Review and Adjust Regularly

Your cash flow statement is a dynamic document that should be reviewed and updated regularly. Regular updates help you stay on top of your finances and make necessary adjustments promptly. Update your cash flow statement as regularly as possible. Monthly updates are standard, but you may want to update more infrequently if your inflows and outflows rarely change.

Identify Areas for Cost Reduction

Make it a habit to regularly review your cash flow statement to pinpoint areas where you can trim expenses. If, for instance, you notice a significant portion of your money goes into dining out, consider cooking at home more often to reduce costs. Similarly, evaluate monthly subscriptions to see if there are any you no longer utilize, or consider cheaper alternatives to recurring expenses, ensuring every dollar is spent wisely.

Identify Opportunities to Increase Income

Review your cash flow statement regularly to identify opportunities for increasing your income. This could include asking for a raise, starting a side hustle, or investing in income-generating assets. For instance, if you have a skill like graphic design, you could begin freelancing and taking on small projects in your free time. Alternatively, investing in income-generating assets like dividend stocks or real estate can also increase your income.

Set Realistic Goals

Setting achievable goals for savings, investments, and debt repayment is crucial. For example, if your monthly income is $3,000, setting a goal to save $1,500 monthly may be unrealistic after accounting for all other expenses. Always consider all your essential expenses before setting aside a savings goal.

Use Technology

Using a financial tracking app or software can help you keep track of expenses and minimize omissions. Many apps like Mint, YNAB, Spendee, and PocketGuard offer features that can help you track your expenses, set budgets, and monitor your investments. Look for an app that allows you to categorize your expenses, set alerts for overspending, and provide a visual representation of your financial health.

Pair With Balance Sheet

Your personal cash flow statement is one part of your financial profile. Pairing it with a balance sheet provides more accurate insights into your financial status, allowing you to identify areas of vulnerability, such as looming debts, and opportunities, like potential investments.

By tracking your monthly net cash flow statement from the cash flow statement and your net worth from the balance sheet, you can strategically plan for future investments, debt repayments, and savings. For instance, if your cash flow statement shows a consistent surplus each month, but your balance sheet reveals high-interest debt, it might be wise to allocate some surplus towards that debt reduction.

Feel free to seek assistance from a financial advisor or planner if creating and managing your cash flow statement seems overwhelming. While a financial advisor can be helpful for anyone, it is especially beneficial for those with more complex financial situations, such as multiple income streams, significant debts, or an extensive investment portfolio. For example, if you have $20,000 in credit card debt, a financial planner can help you develop a plan to pay it off within a realistic timeframe.

Meet Sarah, a 24-year-old recent graduate who has just started her first job as a graphic designer in a reputable advertising agency. Now, with a steady income and eager to start on the right financial footing, she has decided to create a personal balance sheet to gain insight into her financial health.

Sarah has some student loans, a personal loan she took for a family emergency, has been using a credit card for daily expenses, and is living in a rented apartment. Although she had saved some money from part-time jobs during college, she’s unsure how her assets measure up against her debts. She aims to clear her debts, invest more, and contribute more to her retirement fund.

After reading this comprehensive guide on personal financial statements, Sarah decided to create a personal balance sheet to understand her financial status clearly and develop a financial plan.

Creating the Personal Balance Sheet

Sarah sets aside a weekend to organize her financial documents, online accounts, and other financial information to compile a comprehensive list of her assets and liabilities. She then begins by listing all her assets and liabilities meticulously.

LIQUID ASSETS

• Checking Account: $3,200
• Savings Account: $5,500
• Total Liquid Assets: $9,000

NON-LIQUID ASSETS

• Retirement Account (401k): $1,000 (from her new job)
• Investment Portfolio (a diversified set of index funds): $2,700 
• Car: $10,000 (current market value)
• Total Non-Liquid Assets: $13,700
• Total Assets: $22,700

LIABILITIES

SHORT-TERM LIABILITIES

• Credit Card Debt (20.93% annual percentage rate): $2,500
• Utility Bills (monthly): $200
• Personal Loan from a Friend (to be repaid within a year): $1,000
• Total Short-Term Liabilities: $3,700

LONG-TERM LIABILITIES

• Student Loans (10-year loan term; 6% fixed interest rate): $25,000
• Car Loan (7-year loan term; 9% annual percentage rate): $8,000
• Total Long-Term Liabilities = $33,000
• Total Liabilities = $36,700
• Net Worth = -$14,000

Interpretation and Action

Upon analyzing her Personal Balance Sheet, Sarah finds herself with a negative net worth, largely because of her student and car loans. She decides to take the following actions:

• Credit Card Payoff: Prioritize paying off her credit card debt first, as it has the highest interest rate (20.93%), and then pay off the car loan next, since it has the second-highest interest rate (9%). To achieve this, she decided to allocate 60% more of her monthly disposable income towards paying off the credit card debt. 
• Student Loan: Since her student loan has a low single-digit interest rate, Sarah figures there’s no pressing need to rush clearing her student loan. Maintaining her current monthly payment is more financially prudent, especially since student loan interest payments are tax deductible. However, she also knows paying off the loan earlier can save her some interest payments. For that reason, she plans to increase her student loan payments if she gets a chance to do so.
• Emergency Savings: Sarah understands the importance of having an emergency fund. Hence, she decides to save 20% of her disposable income each month until she accumulates a year’s worth of living expenses.
• Retirement Planning: Continue contributing to her 401k to take advantage of her employer’s match and the power of compound interest. 
• Investing: Sarah decides to postpone increasing her investment allocation until she has paid off her credit card debt. She understands that it will be challenging to generate real investment returns, seeing as the interest rate on credit card debt exceeds her portfolio’s annualized return.
• Cash Flow Statement: Create a detailed personal cash flow statement to monitor her income and expenses. Doing so will help her identify expenses she can cut back on and allocate more funds toward her debt repayment and savings goals.

Benefits Sarah Gained from Creating a Personal Balance Sheet

• Increased Financial Awareness: By creating her personal balance sheet, Sarah became more aware of her financial situation, which helped her to make informed financial decisions. She decided to prioritize paying off her credit card debt, postpone increasing her investment allocation until her high-interest debts were paid off, and start building an emergency fund. This heightened awareness also reduced her anxiety about her finances and increased her confidence in achieving her financial goals.
• Snapshot of Financial Health: The balance sheet provided Sarah with an overall view of her financial status, revealing that her liabilities significantly exceeded her assets. Her negative net worth was a clear signal that she needed to focus on debt reduction and savings. Identifying this financial weakness allowed her to create a targeted plan to improve her financial health.
• Financial Progress Tracking: By regularly updating her personal balance sheet, Sarah can monitor her wealth over time and see if she is progressing toward her financial goals. For example, as she pays off her debts, she will see a reduction in her liabilities and an increase in her net worth.
• Financial Planning: Creating the personal balance sheet enabled Sarah to begin creating a financial plan. She was able to set realistic goals for saving and debt repayment, giving her a structured path forward. 
• Advanced Financial Analytics: Creating a personal balance sheet made it easier for Sarah to calculate and track important personal financial ratios. For example, she could calculate her debt-to-asset ratio and use this information to make informed decisions about debt repayment and borrowing.

Limitations Sarah Overcame

• Doesn’t Show Cash Flow: While the personal balance sheet provided a snapshot of her financial situation, it did not show her cash flow. Recognizing this limitation, Sarah decided to create a detailed personal cash flow statement to monitor her income and expenses. Doing so would help her identify areas where she could cut back and allocate more funds toward her debt repayment and savings goals.
• Fluctuating Values: Sarah understood that the values of assets and liabilities could fluctuate over time. To mitigate this limitation, she decided to update her balance sheet every quarter to ensure that it always reflected her current financial situation. 
• Dependency on Accurate Data: Any oversights or inaccuracies could paint an incomplete picture of Sarah’s financial status, potentially leading her to make ill-informed decisions. To overcome this limitation, she meticulously included every asset and liability, no matter how small, and validated the values by checking her bank statements, credit card statements, investment account statements, and other financial records. Additionally, she used financial management apps to automatically pull and consolidate data, further enhancing the accuracy of her balance sheet.
• Subjective Asset Valuation: Knowing that misvaluing her assets can make her balance sheet inaccurate, Sarah used the current market value for her car and checked the most recent statements for her savings and investment accounts.

Pro Tips Sarah Followed

• Regular Updates: Sarah set a reminder to update her Personal Balance Sheet every quarter to track her financial growth and to recalibrate her plans as needed.
• Be Thorough: Sarah included all her assets and liabilities, no matter how small, to ensure her balance sheet was comprehensive.
• Accurate Valuation: As mentioned earlier, Sarah made sure to use the current market value for her car and checked the most recent statements for her savings and investment accounts.

Creating a personal balance sheet was a transformative experience for Sarah. The exercise gave her the information and motivation she needed to take control of her financial future. It provided her with a clear and comprehensive view of her financial situation, enabling her to create a targeted plan to improve her financial health.

Before creating her balance sheet, Sarah often felt overwhelmed by the abstract notion of “net worth” and “financial health.” But after this exercise, these abstract worries solidified into tangible numbers and action points.

Though she started with a negative net worth, Sarah now has a roadmap for eliminating debts and increasing her assets. With a clear roadmap in place, she is now confident in her ability to manage her finances effectively and work towards a secure financial future. This is all thanks to the simple yet enlightening exercise of creating and maintaining her personal balance sheet.

Having already evaluated her net worth via her Personal Balance Sheet, Sarah recognized the importance of tracking her monthly income and expenses. She knows that understanding her cash flows will help her stay on course with her financial goals.

As a recent graduate thrust into the real world with her first job, Sarah was determined not to succumb to the all-too-familiar pitfalls of unchecked spending and minimal savings. Earning a consistent paycheck ($4,500) and living by herself means she has inflows and outflows to monitor closely. And with goals like repaying debts, building an emergency fund, and future investments in mind, it became clear to Sarah that she needed a comprehensive tool to keep tabs on her money.

Creating the Personal Cash Flow Statement

Taking another weekend, Sarah organizes her bank statements, pay stubs, bills, expense-tracking app printouts, and receipts she has accumulated over the past month to compile an accurate cash flow statement. She then begins listing down all sources of cash inflow and outflow.

CASH INFLOWS

• Base Salary from Advertising Agency: $3,420 (after a 24% tax deduction)

FREELANCE INCOME

• Graphic Design Projects: $996

INVESTMENT RETURNS

• Dividends from Index Funds: $35

NON-INVESTMENT PASSIVE INCOME

• Affiliate Marketing from Personal Design Blog: $236
• Ad Revenue from Personal Design Blog: $112
• Sale of Old Laptop: $300
• Total Cash Inflows: $5,099

CASH OUTFLOWS

ESSENTIAL EXPENSES

• Rent: $1,200
• Groceries: $300
• Utilities: $200 (including electricity, water, and internet)
• Gas (for transportation): $120
• Health Insurance (deducted from her salary): $120
• Car Insurance: $90
• Personal Care (haircuts, toiletries): $60
• Public Transportation: $50
• Total Essential Expenses: $2,140

NON-ESSENTIAL EXPENSES

• Dining Out: $250
• Miscellaneous Purchases: $100
• Gym Membership: $50
• Streaming Services (Netflix, Spotify): $25
• Total Non-Essential Expenses: $475

DEBT PAYMENTS

• Student Loan Repayment: $300
• Car Loan Payment: $200
• Credit Card Minimum Payment: $100
• Personal Loan from a Friend: $100
• Total Debt Payments: $700
• Savings Account Contribution: $500
• 401k Contribution: $225 (5% of her gross salary)
• Total Savings: $775
• Investment into Index Funds: $200
• Total Investments: $200
• Total Cash Outflows: $4,140
• Net Cash Flow: $959

Upon completing her personal cash flow statement, Sarah is relieved to see a positive net cash flow of $959. This positive net cash flow means she’s living within her means and has a surplus after paying all monthly obligations.

However, she recognized that $300 of the surplus was from a one-time sale of her old laptop—an irregular form of income. This meant that her consistent net cash flow was actually $659—give or take a couple of dollars due to the unpredictable nature of her non-investment passive income.

With this in mind, she decided to further allocate her net cash flow towards:

• Caution with Irregular Income: She decided not to rely on her asset sale for recurring monthly expenses. Instead, she’d treat such irregular income as a bonus. 
• Debt Acceleration: In a bid to reduce high-interest liabilities faster, Sarah allocated an additional $395.40 (or 60% of her monthly disposable income) from her regular surplus towards her credit card debt, increasing the monthly payments to $495.40. By so doing, she will pay off the debt within five months, as long as she doesn’t incur any more credit card debt.
• Emergency Fund Boost: After accounting for the credit card payment, she decides to save an extra $131.80 (20% of $659) from her regular surplus to her emergency fund, bolstering her financial safety net. 
• Personal Loan Payoff Strategy: Remembering the personal loan she took for a family emergency, she committed to allocating 20% of her monthly disposable income to repay it faster. This would amount to $131.80 (20% of $659) every month, in addition to the $100 she currently pays, taking the total monthly payment to $231.80. Sticking to this payment strategy will help her pay off the loan within five months, as opposed to the initial ten.
• Non-Essential Expenditures Review: Sarah observed that her dining out expenses were relatively high. So, she decided to reduce it by $100 (40%) and divert that amount towards her student loan repayment. Doing so will help her pay off the loan three years earlier and save $2,868 in interest payments.
• Car Loan: Sarah realized that by paying $200 monthly, she was already on track to pay off her car loan within four years, three years earlier than her loan term, saving $1,270 in potential interest payments.
• Passive Income : Seeing the success of her personal design blog, Sarah considered investing more time to increase her advertising and affiliate marketing income.

Benefits Sarah Gained From Creating a Personal Cash Flow Statement

• Enhanced Financial Awareness: Sarah better understood her financial status after creating her cash flow statement. This exercise helped her spot patterns, such as her monthly takeout habit, making her reconsider her spending decisions.
• Precise Goal Setting: Sarah found it easier to set financial targets once she knew her disposable income. This ensured she wasn’t setting herself up for failure but creating realistic and achievable financial objectives.
• Effective Debt Management: Completing the cash flow statement, Sarah was better poised to manage her multiple debts. Recognizing the prudence of paying off high-interest debts first, she drafted a strategic repayment plan, saving herself from additional interest accumulation.
• Temporary Snapshot: Sarah understands that the cash flow statement provides data for a specific period. Thus, she plans to review and update hers regularly to monitor financial changes over time.
• Wealth Indication: Aware that the cash flow statement doesn’t reflect total wealth, Sarah complements it with a personal balance sheet to gauge her overall financial health.
• Expenditure Accuracy: Sarah addresses the challenge of overlooked expenses by meticulously tracking every penny, often using financial tracking apps for accuracy.
• Regular Review: Sarah plans to diligently review her cash flow statement every month to ensure it’s updated and reflective of her current financial state. 
• Digital Assistance: Sarah uses expense-tracking apps to automatically categorize and track her inflows and outflows to streamline the process.
• Emergency Preparedness: Sarah maintains an emergency fund, understanding the unpredictability of life events.

Creating a personal cash flow statement was yet another financial eye-opener for Sarah. Just as the personal balance sheet had given her insight into her net worth, the cash flow statement offered her a clear view of her monthly financial activities. She could see where her money came from and where it was going, ensuring she wasn’t merely flying blind when managing her monthly expenses and income.

Sarah’s positive net cash flow is encouraging, and her decisions to accelerate debt repayment and consistently increase her savings demonstrate both proactiveness and foresight. Armed with the insights from her cash flow statement, she is now even more committed to fortifying her financial resilience, ensuring she is not just living for the present but is also well-prepared for the future.

Want a hassle-free way to monitor your finances? Download our free personal financial statement template. Easy to use and fully customizable—it’s everything you need to keep track of your assets, liabilities, and cash movements.

DOWNLOAD: Personal Balance Sheet and Cash Flow Statement Template

How to Use the Template

The template is a view-only file and can’t be edited. To use, click on “File” and then select “Make a copy.” This will get you a copy of the template that can be modified.

Don’t request edit access, please.

In today’s complex economy, tools like a personal balance sheet and a cash flow statement aren’t just nice to have—they’re essential for understanding and navigating your finances.

Think of the balance sheet as a still photo, capturing your assets and liabilities in one snapshot. It allows you to calculate your net worth and can highlight areas for improvement. In contrast, the cash flow statement is like a movie, illustrating the dynamic movement of your funds and providing insights into your liquidity and spending habits.

Individually, these statements offer valuable insights, such as revealing if you’re splurging too much on non-essentials or if debts are becoming unmanageable. Yet, when combined, they paint a comprehensive picture of your financial standing and habits. This dual perspective ensures you know your financial status and how your habits shape it.

As illustrated by the case studies, creating these financial statements is simple, especially with the templates provided in this guide. These templates simplify the process of creating these statements with their auto-calculating fields and intuitive categories. They guide you through the process, minimizing errors. Remember, keeping these statements updated is vital to ensuring you’re on track with your financial goals, be it budgeting, retirement planning, or merely gauging your fiscal health.

Feel free to work with a financial planner or advisor if you find it challenging to decipher and leverage insights from your financial statements. Not only can they assist you in understanding these statements, but they can also offer personalized strategies tailored to your unique financial situation. Beyond helping you interpret these statements, they can also advise on investments, tax planning, and other aspects of financial management that might be outside your comfort zone.

By understanding, creating, and maintaining these personal financial statements, you’ll have the tools to navigate your financial journey, align your financial habits with your goals, and build a secure financial future.

Remember, maintaining and reviewing these statements regularly is as important as their initial creation. As your financial situation evolves—like with a new job, added expenses, or changes in investments—your statements should reflect those shifts to offer accurate insights. So, watch those numbers, make wise choices, and remember—you’ve got this!

About the Author

Abolade Akinfenwa is a multi-certified finance professional. He’s certified as a Financial Modeling & Valuation Analyst (FMVA)®, Capital Markets & Securities Analyst (CMSA)®, Commercial Banking & Credit Analyst (CBCA)®, Financial Planning & Wealth Management Professional (FPWM)™, and FinTech Industry Professional (FTIP)™. With over three years of experience as a Financial Writer, Abolade specializes in helping finance professionals build authority and generate qualified leads for their services. Interested in collaborating or seeking insights? Connect with Abolade via LinkedIn or Twitter , or email him at [email protected] .

Recommended reading

• Assessing Your Financial Health: Top 22 Personal Financial Ratios
• How to Plan Your Finances Using the 50-30-20 Budgeting Rule (Plus Case Study and Free Template)

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Every employer engaged in a trade or business who pays remuneration, including noncash payments of $600 or more for the year (all amounts if any income, social security, or Medicare tax was withheld) for services performed by an employee must file a Form W-2 for each employee (even if the employee is related to the employer) from whom:

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• Income tax would have been withheld if the employee had claimed no more than one withholding allowance or had not claimed exemption from withholding on Form W-4, Employee's Withholding Allowance Certificate.

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Recent Developments

SECURE 2.0 Act changes affecting amounts reported on the 2023 Forms W-2, W-2AS, W-2GU, and W-2VI -- 29-JAN-2024

Changes to the previously posted 2024 Forms W-2, W-2AS, W-2GU, and W-2VI -- 18-JAN-2024

New electronic filing requirements for correction Form W-2c  -- 07-JULY-2023

New electronic filing requirements for Forms W-2 -- 07-JULY-2023

2021 Forms W-2 Reporting of Qualified Sick Leave & Family Leave Wages Paid Under the Families First Coronavirus Response Act, as amended by the American Rescue Plan -- 26-NOV-2021

2021 Form W-2 and the General Instructions for Forms W-2 and W-3 updated for section 9632 of the American Rescue Plan Act of 2021 -- 24-NOV-2021

Faxing request for extension of time to furnish statements to recipients -- 09-DEC-2020

Form W-2 Reporting of Employee Social Security Tax Deferred under Notice 2020-65 -- 29-OCT-2020

2020 General Instructions for Forms W-2 and W-3 Corrected for Certain Filing Date and Penalty Amount -- 12-AUG-2020

Sample 2020 Forms W-2, W-2AS, W-2GU, and W-2VI revised to correct alignment of the "VOID" and "box 13" checkboxes -- 12-AUG-2020

2020 Forms W-2 Reporting of Qualified Sick Leave Wages and Qualified Family Leave Wages Paid Under P.L. 116-127 -- 12-AUG-2020

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Important information on employment tax withholding obligations and Form W-2 filing obligations of federal employers with employees who work in the Commonwealth of the Northern Mariana Islands and Puerto Rico

Notice 2018–75, Guidance under Section 132(g) for the Exclusion from Income of Qualified Moving Expense Reimbursements

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