1. expenses

2. Purchased Housing Choices Mortgage Payment+ Property Tax= Total Payment House A Single story; 25 years old; 1000 sq ft; eat-in kitchen; living room; 3 bedrooms; 1-1/2 baths; small lot Price: $90,000 5% down: $4,500 $580$150$730*** House B Two-story; 50 years old; 1600 sq ft; kitchen and dining room; living room; 3 bedrooms; 2 baths; 1 acre lot Price: $150,000 5% down: $7,500 $933$250$1,183*** House C Two-story; 3 years old; 2400 sq ft; kitchen/dining room; living room; 4 bedrooms; 2 baths; large lot; family room; storage building Price: $200,000 5% down: $10,000 $1,328$300$1,628***

3. Rented unfurnished apartment—1 bedroom Newly refurbished, 1st floor Downtown, Full basement 1 bath, all utilities paid $800/month Rented unfurnished apartment—2 bedroom 1 bath, 1 car garage, washer/dryer hook-up new appliances $1085/month plus utilities Rented unfurnished apartment 3 bedrooms 1-1/2 bath, garage fenced in yard $1350/month plus utilities

4. utilities include the following: electric, gas, sewer, water, and trash pick-up Rates  Adult only: $290/month  Adult & children : $345/month  Renter: $170/month

5. Type of vehicle PriceMonthly payment Gas costMinimum maint. Total monthly cost Small car$17,910$347$130$17 $494 Family sedan $22,995$445$179$17 $641 Mid size SUV $32,394$631$221$17 $869 Small pick up $29,210$568$221$17 $806

6. Type of vehicle PriceMonthly payment Gas costMinimum maint. Total monthly cost Small car$2,991$78$130$17 $225 Family sedan $2,300$56$179$17 $252 Mid size SUV $8,000$233$221$17 $471 Small pick up $29,210$140$221$17 $378

7.  Buy a bus or train monthly pass- go to website for prices

8. compact car- $110/month mid-size car- $100/month small truck- $100/month sport utility vehicle- $145/month Or use www.allstate.com (enter zip code in the upper right hand corner, hit start, use the green box to the left to get a ballpark estimate without giving any personal info)www.allstate.com

9.  House value- $90,000 $40/month  House value- $150,000 $56/month  House value- $200,000 $68/month

10.  $30,000 contents value- $20/month  $60,000 contents value- $30/month

11.  $50,000 Term Life $15/month

12. Age groupThrifty planLow cost planModerate plan Liberal plan Family of 1 adult $321.00$407.00$502.00$629.00 For each child you have, add the figures below to the above amount Child 0-5 yrs$85.00$105.00$130.00$156.00 *Approximate costs for 1month of groceries *The differences among the plans have to do with levels of variety of diet, number of dishes within meals, the kid and quantity of meat served and the number and variety of ready- made dishes.

13.  Movie (includes popcorn and drink)$18/person  Eating out$20/person  Order pizza (delivered)$20/pizza  Video or DVD rental$5/video  Video or DVD from libraryFREE  Netflix (unlimited)$18/month  Concert$55/person  Amusement park$42/person  Walk in the parkFREE  Hobbies$30/month  Party (food, beverages, decorations)$75/party  Mini-vacation (3 day/2 night)$500/vacation

14. United Way—½% (.005) of your gross monthly salary. Faith community donation—national average is between 3% and 5% of gross monthly salary. Some may believe a 10% tithe is important

15.  Please provide the cable company and package you have (if any) along with the price per month)  Also include your phone plan (include number of minutes and monthly costs)

16. Annual gross income wages ParentChildren Ages 0-8 (each) Less than $44,500$70$30 $44,501-$74,900$130$35 More than $74,901 $205$45

17.  Infant$617/month (0-3 years old)  Pre-school$502/month (3-5 years old)  School age$471/month (>5 years old)  For each additional child- add $50

18. Annual income Credit card balance 4% minimum paymentTime to pay offCost of interest Total paid $10,000-$20,000$750 $30 6 yrs, 3 months$366$1,116 $20,001-$30,000$1,250 $50 8 years$667$1,917 $30,001-$40,000$1,750 $70 9 yrs, 1 month$966$2,717 $40,001-$50,000$2,250 $90 9 yrs, 11 months$1,266$3,516 $50,001-$60,000$2,750 $110 10 yrs, 7 months$1,566$4,316 Over $60,000$3,500 $140 11 yrs, 4 months$2,016$5,516

19. Please feel free to add any other expenses that you will encounter in your lifestyle…but make sure it fits into your budget!!!!