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Published byNickolas Charles Modified over 9 years ago
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Budgeting for Your Future… Ms. Smith Personal Finance
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Would you like to live in an: a. Apartment b. Condo/ Townhouse c. 2 bedroom home
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Would you go to the grocery store: a. Hardly ever b. Once a week c. 2-3 times a week
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Will you go clothes shopping: a. Every other month or so b. Once a month c. Three or more times a month
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Will your telephone service include: a. No primary telephone b. Basic service c. Basic service + additional features (long-distance calling)
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Will you drive a: a. Honda Accord/ Ford Focus b. Nissan Maxima/ Mini Van c. Sports car/ SUV
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Would you like to drive a: a. Brand new car b. 2-6 year old car c. 6+ year old car
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Will you charge: a. Many expenses b. Some expenses c. Very few expenses
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Will you have: a. Basic cable b. Basic + movie channels c. Direct TV
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Will you go out to dinner/ entertainment purposes: a. Twice a month b. Once a week c. Two or more times a week
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Will you have the Internet: a. No b. Dial-up c. Cable/ high speed
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Will you have a cell phone: a. No b. Basic low minute plan c. Unlimited plan/ options d. Primary line
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When buying personal items, you buy: a. Name brands b. Sale brands c. Store brands
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When giving gifts during the holidays, you: a. Buy a couple modest gifts b. Buy for immediate family, spending a good amount of money c. Give extravagant gifts to everyone you know!
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On a monthly basis, you plan to: a. Put some money into a savings account b. Save a ½ of your disposable income, plus invest in stocks c. Save most of your disposable income, while investing the remainder in stocks
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Now let’s see how much your monthly expenses will be! Be sure to record the following expenses in your worksheet.
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Rent/ Mortgage: a. Apartment 0 $800.00 b. Condo/ Townhouse 0 $1200.00 c. 2 bedroom home 0 $1500.00
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Utilities a. Apartment 0 $150.00 b. Condo/ Townhouse 0 $225.00 c. 2 bedroom home 0 $300.00
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Groceries: a. Hardly ever 0 $100.00 b. Once a week 0 $250.00 c. 2-3 times a week 0 $350.00
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Clothing: a. Every other month or so 0 $25.00 b. Once a month 0 $ 75.00 c. Three or more times a month 0 $150.00
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Telephone: a. No primary telephone 0 $0.00 b. Basic service 0 $20.00 c. Basic service + long-distance calling 0 $40.00
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Car Payment: a. Honda Accord/ Ford Focus 0 $250.00 b. Nissan Maxima/ Mini Van 0 $300.00 c. Sports car/ SUV 0 $ 400.00
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Car Insurance: a. Honda Accord/ Ford Focus 0 $75.00 b. Nissan Maxima/ Mini Van 0 $100.00 c. Sports car/ SUV 0 $125.00
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Gasoline: a. Honda Accord/ Ford Focus 0 $100.00 b. Nissan Maxima/ Mini Van 0 $200.00 c. Sports car/ SUV 0 $300.00
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Auto Repairs: a. Brand new car 0 $25.00 b. 2-6 year old car 0 $40.00 c. 6+ year old car 0 $50.00
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Miscellaneous: a. Many expenses 0 $150.00 b. Some expenses 0 $100.00 c. Very few expenses 0 $50.00
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Cable Television: a. Basic cable 0 $75.00 b. Basic + movie channels 0 $100.00 c. Direct TV 0 $125.00
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Entertainment: a. Twice a month 0 $100.00 b. Once a week 0 $200.00 c. Two or more times a week a. $400.00
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Miscellaneous: a. No 0 $0.00 b. Dial-up 0 $20.00 c. Cable/ high speed 0 $40.00
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Miscellaneous: a. No 0 $0.00 b. Basic low minute plan 0 $40.00 c. Unlimited plan/ options 0 $70.00 d. Primary line 0 $100.00
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Personal Care: a. Name brands 0 $60.00 b. Sale brands 0 $40.00 c. Store brands 0 $20.00
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Gifts/ Donations: a. Buy a couple modest gifts 0 $50.00 b. Buy for immediate family, spending a good amount of money 0 $100.00 c. Give extravagant gifts to everyone you know! 0 $200.00
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Other/ Savings: a. Put some money into a savings account 0 $100.00 b. Save a ½ of your disposable income, plus invest in stocks 0 $200.00 c. Save most of your disposable income, while investing the remainder in stocks 0 $300.00
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