1. Intro Blaine, MN Campus Brooklyn Center, MN. Campus Moorhead, MN Campus Plymouth, MN Campus Richfield, MN Campus Rochester, MN Campus Shakopee, MN Campus St. Cloud, MN Campus Woodbury, MN Campus Eau Claire, WI Campus Minneapolis MN Campus Sioux Falls, SD Campus Elk River, MN Campus La Crosse, WI Campus Lakeville, MN Campus Middleton, WI Campus go forward TO A GREAT CAREER

2. The Price of Independence Your family has been providing for you and supporting you your whole life. Soon you will be independent and supporting yourself… Surviving your first year in the “Real World”

3. HOUSING Will you share your apartment with a roommate or do it on your own?

4. Housing Suburbs $700-$1,000 Cities $800-$1,200 Out State MN $400-$600Apartmentfinder.com

5. Some landlords cover the cost of water, garbage, and heat Electric bill Utilities 1BR: $25 2 BR: $40 Xcelenergy.com

6. Cell Phone ($50-$75) Text/Pic ($5-$10) Data Plan ($30) Internet ($30-$45) Landline ($25 Basic) * Other charges may include long distance and overages Communications $50 - $150 Verizon.comQuest.com

7. Misc Items $100 - $250 Services Household Personal

8. Food $200 - $450 jobsnowcoallition.org $200 - $450 jobsnowcoallition.org Grocery Shopping Dining Out Convenience Foods

9. Transportation Transportation $100 - $400 Car payment Public transportation Parking

10. Routine servicing Repairs accessories Car Maintenance $50 - $100

11. Rates can vary depending on… Where you live Type of car Age Gender Driving record Car Insurance Good $141 / $178 Good $141 / $178 Not Good $183 / $217

12. Gasoline costs will vary based on What you drive How far you travel Where you live Gasoline $100 - $250

13. Cost will depend on: Work Everyday Activities Clothing $50 - $400

14. What do you like to do for fun? Music, movies, books, magazines Memberships, licenses Vacations Entertainment $100 - $250 DirectTV.com

15. Will you receive health insurance through your employer? Medical Expenses Employer Medical - $120 Employer Dental - $34 Individual - $125

16. Experts say you should put away 10% of each paycheck into a savings account. Savings $100 - $200

17. They can work for you or against you! Credit cards can be useful… – Credit Rating – Emergencies – Internet Purchases/Security – Travel Credit Cards

18. If you have credit cards, pay them off IN FULL every month! Credit Card Expense $0 $0

19. Let’s total the damages… Any Questions?

20. 1.Add your monthly expenses 2.Multiply your total monthly expenses by 12 3.Multiply your yearly expenses by 1.25 4.Divide your gross income by 2,000 Dollars per Hours Formula

21. Do you have the skills RIGHT NOW to be paid the hourly wage you calculated? Do you have the skills RIGHT NOW to be paid the hourly wage you calculated? Is that the kind of job you want? Is that the kind of job you want? The Price of Independencee is not always cheap

22. Higher Education is KEY! “Today’s Preparation Determines Tomorrow’s Achievement.”