Personal Finances.

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Presentation transcript:

Personal Finances

On Side 1 Log Into www.Yourfreecareertest.com Take the career survey Find your top 2 Career category matches ( ________%) In those 2 categories find 2 or 3 occupations that may interest you Do not Print the results !

NEEDS VS. WANTS What is a Need? What is a Want? Which is more important?

Congrats! You have received a job that pays you $30,000 a year- That equals $2,500 a month. You must use this monthly balance to live a normal life. Your job is located in downtown Capital City!

Housing a. Rent a 2 BR/2BA Condo in the heart of downtown for $1,000 b. Rent a 1 BR/1BA apartment just 15 miles outside of for $750 c. Rent a 3 BR/2BA house 30 miles away for $600 d. Rent a Mobile Home 25 miles away for $500

Transportation A. Do not own a car, but rely on foot travel or public transportation for traveling ($100 a month) B. Buy your first new car a 2015 Chevy Cavalier for $300 month C. Buy a used 2010 Geo Metro for $200 D. Drive the same car from high school but spend $100 on maintenance monthly

Food & Drink A. You cant cook at all, and eat out almost every meal- $800 B. You go out one meal a day, and eat at home the other two- $500 C. You are a super shopper and pack your lunch and eat at home-$300

Basic Necessities A. Utilities- Electric, Water, Sewer, Gas- $250

Basic Wants A. Cell phone, Internet, Cable TV- $300 B. Cell Phone, Internet or Cable TV- $200 C. Cell Phone-$100

Lifestyle A. lead a Rock Star lifestyle with the best in all new toys and gadgets- $500 month B. Live among your means occasionally splurging on luxuries- $250 C. Lead a quiet life spending only what is needed- $100

Insurance A. Car Insurance- $200 month B. Health Insurance- $100 month

Loan Payments A. School Loan- $60 month

Incidentals $100– Pop Up Fees Relationship- $250

What did we forget? Taxes- Gas for your car Savings account? Vacations Recreation

Personal Finance project You must Find the following A. Find an entry level position within an area of interest within the Louisville Metro Area. B. Suitable housing within the Louisville Metro Area- You may have 1 roommate but must be same Gender C. Find Reliable Transportation D. prepare an individual Monthly and Yearly Budget