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Fill out the per month amount. You need to fill out amounts for the (*) item
Income
Employment income (NET income after deductions)
Working at DeDutch 35 hours a week.
Other income
Working at Premium Label Outlet 35 hours a week.
Total Income
Expenses
Fixed Expenses
*Housing
1 room, 2 bathroom, garage, kitchen.
*Transportation
Subaru Outback 2.5L 4-Cyl. Limited Edition Sedan.
Tuition
Books
*BC Medical
Apartment Insurance
*Utilities (electricity and gas)
*Telecommunications (cable, Internet, telephone, cellphone)
Other
Total Fixed Expenses
Variable Expenses
*Food (groceries, eating out, coffee's, etc) min $200
*Household (cleaning, maintenance, furniture, etc.) min $25
Childcare
Pets
Gas (make sure your gas is listed here and separate from your vehicle)
Health care (contact lenses, glasses, dental, medications)
*Clothing (you might not buy every month, but you do need to average) min $20
*Personal care (toiletries, hair care, make-up, laundry, etc.) min $20
Recreation (movies, games, music, DVD/videos, clubs) min $10
Travel
Gifts and charitable donations
Savings
Other
Total Variable Expenses
Per Year
Per Month
$717.50
$8,610.00
$717.50
$717.50
$8,610.00
$717.50
$17,220.00
$1,435.00
$350.00
$4,200.00
$350.00
$250.00
$3,000.00
$250.00
$0.00
$0.00
$0.00
$0.00
$120.00
$120.00
$0.00
$0.00
$0.00
$0.00
$1,440.00
$1,440.00
$0.00
$0.00
$0.00
$0.00
$0.00
$30.00
$30.00
$0.00
$840.00
$10,080.00
$660.00
$200.00
$25.00
$0.00
$0.00
$60.00
$0.00
$50.00
$20.00
$30.00
$0.00
$0.00
$100.00
$100.00
$585.00
$2,400.00
$300.00
$0.00
$0.00
$720.00
$0.00
$600.00
$240.00
$360.00
$0.00
$0.00
$1,200.00
$1,200.00
$7,020.00
$20.00
$0.00
$0.00
$0.00
$100.00
$0.00
$100.00
$0.00
$50.00
$0.00
$0.00
$200.00
$220.00
$690.00
$1,425.00
$17,100.00
$1,350.00
$1,435.00
$10.00
$85.00
$120.00
Per Year
$8,610.00
$8,610.00
$17,220.00
$4,200.00
$3,000.00
$0.00
$0.00
$0.00
$360.00
$360.00
$0.00
$7,920.00
$240.00
$0.00
$0.00
$0.00
$1,200.00
$0.00
$1,200.00
$0.00
$600.00
$0.00
$0.00
$2,400.00
$2,640.00
$8,280.00
$16,200.00
$1,020.00
2.) EXPENSES Have you spent everything you have earned? If you have a deficit, how
difficult do you think it would be to lower your expenses to balance your budget? What
expenses could you lower to increase your savings? If you have extra money left over at
the end of the month, what would you do with that money?
Answer: I have not spent everything I've made and i never plan to, a man that expects no
unexpected fees is a man with no expectation to live in this world. Hell i could get mugged
for my cash. I save all my extra money and try and make it double.I could starve myself and
walk everywhere to save money if needed.
3.) Does this seem like a realistic budget (or was this a useful exercise)? Please explain your
answer. Do you think you are the type of person who could follow a budget? What makes
you think this?
Answer: This budget seems pretty legit, I am not worried about my money situatiuon at this
point in time. I could easily follow a budget, If i need to do something to survive happily i will
do what is needed. I am determined to be rich.
4.) On the Internet, research three reasons why you should save money.
4.) On the Internet, research three reasons why you should save money.
Answer: Who needs the internet? Spontanious parking tickets or speeding tickets, getting
robbed for your money or phone. Getting in a car accident. Breaking a bone. Realative
dying.
5.) Did you know that if you save $50 a month starting when you are 15 you will be a
millionaire when you retire! Do you think its reasonable for a young person to start saving
money in high school? What categories of items are you willing to go without/cut back on
to free-up some money for savings? When do you think you will begin to save? What are
the advantages of starting now?
Answer: I have heard this. Quite the inspirational statement. Of course you should start
saving as a toddler if anything. C.R.E.A.M. (Cash Rules Everything Around Me). This is the
world we live in and we have to adapt to it. I'm will to go without clothes, gas, internet,
phone, as long as I have a home to live in.
Visit http://www.inspiredtosave.com/ to play around with the numbers if you would like to
save more (or less) per month.
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