1. Personal finance project
Darian Davidson & Vanessa Young

2. Careers Vanessa Darian
Career: Google HR Analyst Annual Salary: $75, Annual Federal Taxes: $20, Total Annual Income: $54, Total Monthly Income: $4,527.60
Career: GM Innovations Business Analyst Annual Salary: $78, Annual Federal Taxes: $21, Total Annual Income: $56, Total Monthly Income: $4, Total Household Income Annual: $110, Monthly: $9,223.58

3. Vehicle information Vanessa Darian
Year, Make, and Model: 2013 Chevy Cruze Number of Miles on Car: 51,567 Cost of Vehicle: $14, Dealership: Covert Hutto Loaning Bank: Paid Cash Interest Rate of Loan: n/a Length of Loan: n/a Monthly Loan Payment: n/a
Year, Make, and Model: 2013 Kia Optima
Number of Miles on Car: 30,000
Cost of Vehicle: $17,000.00
Dealership: Covert Hutto
Loaning Bank: Paid Cash
Interest Rate of Loan: n/a
Length of Loan: n/a
Monthly Loan Payment: n/a

4. Renting Information
Address: Metric Blvd City: Austin State: TX Zip: Rental Agency: Venterra Reality (Chez Moi Apartments) Monthly Rent: $1, Utilities Included: none Utilities Price: $ Total Monthly Apartment Cost: $1,424.00

6. Average Monthly Budget
Monthly Income: $9,223.58
Interest: $17.54
Rent: $1, Utilities: $ Cell Phone: $ Groceries: $ Student Loans: $ Auto Insurance: $ Health Insurance: $ Home Insurance: $30.00 Life Insurance: $260.00
Savings: $1, Cats: $50.00 Dining Out: $ Entertainment: $40.00 Home Improvement: $50.00 Shopping: $ Donations: $65.00 Medical: $0.0o Auto Expenses: $ Kids Toys: $70.00
Total Monthly Debits: $ 5,132.54
Total Monthly Credits: $9, ($94,121.12)

7. ( for twins before divorce )
Baby Expenses
Average Monthly Cost
One Time Cost
Groceries $ Eating Out $0.00 Clothes $ Babysitting $0.00 Toys $50.00 Home Improvement $20.00 Health Insurance $ Life Insurance $ Total: $749.00
$17,922.00
( for twins before divorce )

8. INTERESTING MONTHS
Month One

9. Month One
Rent/mortgage 1 $1,262.00
Utilities 1 $230.00
Home Improvement $50.00
Cell Phone $100.00
Groceries $600.00
Shopping $220.00
Auto expenses $140.00
Student loans $917.54
Credit cards $0.00
Auto Insurance $500.00
Dining Out $100.00
Health Insurance $398.00
Home Insurance $30.00
Life Insurance $260.00
Entertainment $30.00
Pets $50.00
Vacation $0.00
Donations $5.00
Medical Expenses $12,040.00
Surprise Event $1,000.00
Events:
Twins (-$12,000)
Took out of the Premier Savings
Married (-$1,000)
Paid of monthly income
Darian Pay Cut (-$2,000/annual)
Redone tax sheet & income
Previous Balances
Premier $81,530.00
Money Market $10,000.00
Membership $0.00
IRA $0.00
A+ Checking $0.00
Ending Balances
Premier $70,330.00
Money Market $10,700.00
Membership $50.00
IRA $100.00
A+ Checking $1,659.70
Ending Total Balance $82,839.70
Monthly Income $9, Interest $18.66 Previous Savings $91, Total Income Balance $100,772.24

10. Ending Totals Before Divorce
A+ Checking $18, Premier Savings $75, Money Market $15, IRA $1, Membership Savings $1, AMEX $0.00

11. Vanessa After Divorce

12. Personal Info Update College Loan
Loan Amount $33, Interest Rate 5% Loan Period 10 years Total Cost $43, Monthly Payment $ Paid in Interest $9, Remaining Balance $39,789.00
Career
Google H.R. Analyst
Total Annual Salary $54, Total Monthly Income $4,527.60
Car Info
2013 Chevy Cruze PAID OFF
Savings Balance
Total $47,215.00
Family Information
Darian Ex-Spouse Twin 1 Child Twin 2 Child Baby 3 Child (Only Vanessa)

13. Renting Information
Address: N Lamar Blvd City: Austin State: TX Zip: Rental Agency: Sterling Village Apartments Monthly Rent: $ Utilities Included: Gas & Trash Utilities Price: $95.00 Parking: 1 Free Space Pet Expenses: $ One Time Deposit Total Monthly Apartment Cost: $889.00

15. Average Monthly Budget
Monthly Income: $4,527.60
Interest: $10.38
Prev. Savings $49,615.00
Prev. Checking $9,000.00
Other: $1,074.00
Rent: $ Utilities: $95.00 Cell Phone: $60.00 Groceries: $ Student Loans: $ Auto Insurance: $ Health Insurance: $45.00 Home Insurance: $30.00 Life Insurance: $90.00
Savings: $1, Cat: $25.00 Dining Out: $ Entertainment: $20.00 Home Improvement: $ Shopping: $ Donations: $60.00 Medical: $0.0o Auto Expenses: $ Kids Toys: $0.00
Total Monthly Debits: $ 3,808.00
Total Monthly Credits: $5, ($64,226.98)

16. $7,560.00 Divorce Baby Expenses Average Monthly Cost
Average One Time Cost
Groceries $300.00
Eating Out $0.00
Clothes $100.00
Babysitting $0.00
Toys $30.00
Home Improvement $50.00
Health Insurance $00.00
Life Insurance $60.00
Total: $540.00
$7,560.00

17. Interesting Months
Month 10 & Month 20

18. Month 10
Rent/mortgage 1 $1,262.00
Utilities 1 $230.00
Home Improvement $0.00
Cell Phone $60.00
Groceries $400.00
Shopping $100.00
Auto expenses $4,070.00
Student loans $359.00
Credit cards $0.00
Auto Insurance $135.00
Dining Out $100.00
Health Insurance $45.00
Home Insurance $30.00
Life Insurance $90.00
Entertainment $15.00
Pets $25.00
Vacation $0.00
Donations $5.00
Medical Expenses $0.00
Renting Expenses $1,199.00
Events:
Divorce
Split finances, moved out, etc.
Car Accident (-$4,000.00)
Paid of monthly income
Apartment Fees (-$315.00)
Paid out of monthly income
Previous Balances
Premier $37,965.00
Money Market $7,800.00
Membership $725.00
IRA $725.00
A+ Checking $9,139.85
Ending Balances
Premier $38,465.00
Money Market $8,300.00
Membership $825.00
IRA $825.00
A+ Checking $6,917.36
Ending Total Balance $55,332.36
Monthly Income $4, Interest $9.91 Previous Savings $47, Previous Checking $9, Child Support $1, Total Income Balance $61,966.36

19. Month 20
Rent/mortgage 1 $1,262.00
Utilities 1 $230.00
Home Improvement $200.00
Cell Phone $60.00
Groceries $700.00
Shopping $300.00
Auto expenses $120.00
Student loans $359.00
Credit cards $0.00
Auto Insurance $135.00
Dining Out $150.00
Health Insurance $45.00
Home Insurance $30.00
Life Insurance $90.00
Entertainment $100.00
Pets $25.00
Vacation $0.00
Donations $75.00
Medical Expenses $6,000.00
Renting Expenses $1,199.00
Events:
Baby Accident (-$6,000 & +$300/monthly)
Pay $6,000 out of checking
Add $300 into monthly income
Previous Balances
Premier $43,465.00
Money Market $13,300.00
Membership $1,725.00
IRA $1,725.00
A+ Checking $19,660.22
Ending Balances
Premier $43,965.00
Money Market $13,800.00
Membership $1,825.00
IRA $1,825.00
A+ Checking $15,084.01
Ending Total Balance $76,499.01
Monthly Income $4, Interest $12.85 Previous Savings $60, Previous Checking $19, Child Support $1, Total Income Balance $85,789.67

20. Ending Totals
A+ Checking $2, Premier Savings $39, Money Market $15, IRA $2, Membership Savings $1, AMEX $0.00

21. Darian After Divorce

22. Personal Info Update College Loan
Loan Amount $55, Interest Rate 5% Loan Period 10 years Total Cost $80, Monthly Payment $ Paid in Interest $25,065.28
Career
GM Innovations Business Analyst
Total Annual Salary $56, Total Monthly Income $4,695.98
Car Info
2013 KIA Optima PAID OFF
Savings Balance
Total $47,215.00
Family Information
Vanessa Ex-Spouse Twin 1 Child Twin 2 Child

23. Renting Information
Address: 700 Louis Henna Blvd City: Round Rock State: TX Zip: Rental Agency: Winthrop Agency Monthly Rent: $ Utilities Price: $80.00 Parking: 1 Free Space Pet Expenses: $15.00/month Total Monthly Apartment Cost: $790.00

25. Average Monthly Budget
Monthly Income: $4,527.60
Interest: $10.38
Prev. Savings $49,615.00
Prev. Checking $9,000.00
Other: $1,074.00
Rent: $ Utilities: $95.00 Cell Phone: $60.00 Groceries: $ Student Loans: $ Auto Insurance: $ Health Insurance: $45.00 Home Insurance: $30.00 Life Insurance: $90.00
Savings: $1, Cat: $25.00 Dining Out: $ Entertainment: $20.00 Home Improvement: $ Shopping: $ Donations: $60.00 Medical: $0.0o Auto Expenses: $ Kids Toys: $0.00
Total Monthly Debits: $ 3,808.00
Total Monthly Credits: $5, ($64,226.98)

26. $18,368.00 Divorce Baby Expenses Child Support $1,074.00
Average Monthly Cost
Average One Time Cost
Child Support $1,074.00
Health Insurance $238.00
Total: $1,312.00
$18,368.00

27. Interesting Months
Month 10 & Month 20

28. Month 10
Rent/mortgage 1 $1,262.00
Utilities 1 $230.00
Home Improvement $0.00
Cell Phone $680.00
Groceries $200.00
Shopping $100.00
Auto expenses $80.00
Student loans $21,558.54
Credit cards $0.00
Auto Insurance $250.00
Dining Out $100.00
Health Insurance $357.00
Home Insurance $30.00
Life Insurance $30.00
Entertainment $0.00
Pets $40.00
Vacation $0.00
Donations $0.00
Medical Expenses $0.00
Renting Expenses $790.00
Events:
Divorce
Split finances, moved out, etc.
Canada Trip (-$600.00)
Paid of monthly income
Previous Balances
Premier $75,945.82
Money Market $15,602.60
Membership $1,450.22
IRA $1,450.42
A+ Checking $18,280.46
Ending Balances
Premier $34,572.50
Money Market $8,001.30
Membership $825.11
IRA $825.21
A+ Checking $9,510.08
Ending Total Balance $53,734.20
Monthly Income $4, Interest $9.91 Previous Savings $47, Other $21, Total Income Balance $72,930.02

29. Month 20
Rent/mortgage 1 $1,262.00
Utilities 1 $230.00
Home Improvement $0.00
Cell Phone $80.00
Groceries $200.00
Shopping $100.00
Auto expenses $80.00
Student loans $371.04
Credit cards $0.00
Auto Insurance $250.00
Dining Out $100.00
Health Insurance $357.00
Home Insurance $30.00
Life Insurance $30.00
Entertainment $15.00
Pets $40.00
Vacation $0.00
Donations $10.00
Kids Toys $50.00
Renting Expenses $790.00
Events:
Parents Death (-$26,000)
Paid from income and savings
Previous Balances
Premier $38,473.00
Money Market $11,000.00
Membership $1,825.00
IRA $1,825.00
A+ Checking $11,087.89
Ending Balances
Premier $18,873.00
Money Market $11,300.00
Membership $1,925.00
IRA $1,925.00
A+ Checking $5,332.94
Ending Total Balance $39,355.94
Monthly Income $4, Interest $12.85 Previous Savings $60, Previous Checking $19, Child Support $1, Total Income Balance $85,789.67

30. Ending Totals
A+ Checking $5, Premier Savings $20, Money Market $12, IRA $2, Membership Savings $2, AMEX $0.00

31. Project Review Likes: Real life in High School Budgeting Dislikes:
Vanessa
Darian
Likes:
Real life in High School
Budgeting
Dislikes:
Random Life Events
Redo Everything Divorce
Likes:
Rent vs. Buying
Dislikes:
Spreadsheet
Decrease in savings accounts