1. Budget – Reality Check

2. Groceries Amount to be set aside each month Monthly payment choices:  $125 a month  $150 a month  $200 a month

3. Housing Amount to be set aside each month Option 1-  Loan amount $100,000: Monthly payment: $430 Option 2-  Loan amount $130,000: Monthly payment: $555 Option 3-  Loan amount $160,000: Monthly payment: $685

4. Apartment Amount to be set aside each month 2 bedroom, 1 bathroom apartment  $449 a month 1 master bedroom apartment plus 1 bathroom  $499 a month 2 bedroom, 2 bathroom apartment  $600 a month

5. Utilities Option 1 – Loan amount $100,000  Electricity: $85  Water/Sewer: $15  Natural Gas/Heat: $30 Option 2 – Loan amount $130,000  Electricity: $150  Water/Sewer: $25  Natural Gas/Heat: $80 Option 3 – Loan amount $160,000  Electricity: $210  Water/Sewer: $50  Natural Gas/Heat: $110

6. Utilities Amount to be set aside each month Apartment  Electricity: $30  Water/Sewer: $10  Natural Gas/Heat

7. House Insurance Amount to be set aside each month Renters Insurance:  $15 a month Homeowners Insurance:  House worth $100,000 - $60 a month  House worth $130,000- $65 a month  House worth $ 160,000- $70 a month

8. Transportation Amount to be set aside each month Walk or Bike – FREE Bus – $30.00 a month Car 2007 – Price: $8,000 - Monthly Payment: $124  Insurance: $66 for girls, and $241 for boys.  Fuel: $150 (25 miles per gallon)  Maintenance: $20 Truck 2006 – Price: $15,000 - Monthly Payment: $232  Insurance: $87 for girls, and $237 for boys.  Fuel: $250 (15 miles per gallon)  Maintenance: $40 Sports Car 2013 – Price: $30,000 - Monthly Payment: $464  Insurance: $125 for girls, and $334 for boys.  Fuel: $180 (21 miles per gallon)  Maintenance: $80

9. Furniture NewUsed Sofa, loveseat and chair Total $767.00  $64 a month Dining table & 4 chairs Total $200.00  $26 a month Bed, mattress and dresser Total $834.00  $70 a month Sofa, loveseat and chair Total 24 payments  $20 a month Dining table & 4 chairs Total 24 payments  $8 a month Bed, mattress and dresser Total 24 payment  $30 a month Amount to be set aside each month

10. Clothing NewUsed New clothes allowance  $50 a month Used clothing allowance  $15 a month Amount to be set aside each month

11. School Loan Only Required if Degree was Received Amount to be paid each month  $120

12. Health Insurance Amount to be set aside each month Heath insurance for a healthy, non smoking person Male Deductable $1,500  Monthly $211 Female Deducible $1,500  Monthly $345

13. Technology Basic CableCell Phone  $60 a month for first year, then $80 a month 1 smart phone  $60 a month 2 phones  $120 a month Internet  $50 a month Amount to be set aside each month

14. Dining Out Little Caesar's  # per month x $5 Golden Phoenix  # per month x $12 Minervas  # per month x $25 Amount to be set aside each month

15. Recreation YMCA membership: $37 a month Winter ski package: $86 a month Winter ice skating pass: $4 a day Golf package: $45 a month Racquetball: $12 a month Amount to be set aside each month

16. Holidays and Gift Giving Birthdays, anniversaries, Mothers day, Easter, Christmas, Fathers day, weddings, showers, baby, new home, office gifts, etc…  $10.00 a month  $20.00 a month  $40.00 a month Amount to be set aside each month

17. Entertainment Rush game- $14 a game Concert Ticket: $60 a ticket Netflix:  $8 a month (streaming only)  $12 a month (2 DVDs and streaming) Movie Night  $7 day movie  $10 night movie Amount to be set aside each month