2 Homework Assignments
Joe928
fp100_r1_personal_financial_workbook_update.xlsxWeek 1-Personal Monthly Budget
| Household | $ Amount | Frequency | Monthly Payment | |||||||||||||||||
| Rent | $0.00 | Instructions: Enter the payment amount as a number, then select the frequency from the drop-down. The Monthly Payment Amount will automatically calculate, and will sum throughout the spreadsheet. | ||||||||||||||||||
| Mortgage | $0.00 | |||||||||||||||||||
| HELOC or Home Equity Loan | $0.00 | |||||||||||||||||||
| Maintenance/HOA Fee | $0.00 | |||||||||||||||||||
| Property Tax (if not included in mortgage) | $0.00 | |||||||||||||||||||
| Home Insurance * | $0.00 | |||||||||||||||||||
| Telephone/ Cellphone | $0.00 | |||||||||||||||||||
| Internet | $0.00 | |||||||||||||||||||
| Cable | $0.00 | |||||||||||||||||||
| Electricity | $0.00 | |||||||||||||||||||
| Heating/Cooling (Coal, Oil, AC) | $0.00 | |||||||||||||||||||
| Water | $0.00 | |||||||||||||||||||
| Garden/Lawn care | $0.00 | |||||||||||||||||||
| Alarm System | $0.00 | |||||||||||||||||||
| Maintenance and Repair, Including Purchases | $0.00 | |||||||||||||||||||
| Additional Item 1 | $0.00 | |||||||||||||||||||
| Additional Item 2 | $0.00 | |||||||||||||||||||
| Additional Item 3 | $0.00 | |||||||||||||||||||
| Total Monthly Household Expenses | $0.00 | |||||||||||||||||||
| Transportation | $ Amount | Frequency | Monthly Payment | |||||||||||||||||
| Monthly Car Payment 1 | $0.00 | |||||||||||||||||||
| Monthly Car Payment 2 | $0.00 | |||||||||||||||||||
| Monthly Car Payment 3 | $0.00 | |||||||||||||||||||
| Gas for ALL Cars | $0.00 | |||||||||||||||||||
| Car Maintenance | $0.00 | |||||||||||||||||||
| Parking | $0.00 | |||||||||||||||||||
| Tolls | $0.00 | |||||||||||||||||||
| Emergency Service | $0.00 | |||||||||||||||||||
| Public Transportation | $0.00 | |||||||||||||||||||
| Taxis/Car Service | $0.00 | |||||||||||||||||||
| Additional Item 1 | $0.00 | |||||||||||||||||||
| Additional Item 2 | $0.00 | |||||||||||||||||||
| Additional Item 3 | $0.00 | |||||||||||||||||||
| Total Monthly Transportation Expenses | $0.00 | |||||||||||||||||||
| Insurance | $ Amount | Frequency | Monthly Payment | |||||||||||||||||
| Home | $0.00 | |||||||||||||||||||
| Renters | $0.00 | |||||||||||||||||||
| Mortgage * | $0.00 | |||||||||||||||||||
| Health | $0.00 | |||||||||||||||||||
| Life | $0.00 | |||||||||||||||||||
| Disability | $0.00 | |||||||||||||||||||
| Long-Term Care | $0.00 | |||||||||||||||||||
| Dental | $0.00 | |||||||||||||||||||
| Car | $0.00 | |||||||||||||||||||
| Motorcycle | $0.00 | |||||||||||||||||||
| Vision Care | $0.00 | |||||||||||||||||||
| Personal Liability | $0.00 | |||||||||||||||||||
| Pet Health | $0.00 | |||||||||||||||||||
| Flood/Earthquake/Hurricane | $0.00 | |||||||||||||||||||
| Miscellaneous Insurance 1 | $0.00 | |||||||||||||||||||
| Miscellaneous Insurance 2 | $0.00 | |||||||||||||||||||
| Miscellaneous Insurance 3 | $0.00 | |||||||||||||||||||
| Total Monthly Insurance Expenses | $0.00 | |||||||||||||||||||
| Entertainment | $ Amount | Frequency | Monthly Payment | |||||||||||||||||
| Eating Out | $0.00 | |||||||||||||||||||
| Video Rentals | $0.00 | |||||||||||||||||||
| Movies | $0.00 | |||||||||||||||||||
| Magazine & Newspaper | $0.00 | |||||||||||||||||||
| Computer/Video Game/Software | $0.00 | |||||||||||||||||||
| Music | $0.00 | |||||||||||||||||||
| Sports Tickets | $0.00 | |||||||||||||||||||
| Concert Tickets | $0.00 | |||||||||||||||||||
| Vacations | $0.00 | |||||||||||||||||||
| Additional Item 1 | $0.00 | |||||||||||||||||||
| Additional Item 2 | $0.00 | |||||||||||||||||||
| Additional Item 3 | $0.00 | |||||||||||||||||||
| Total Monthly Entertainment Expenses | $0.00 | |||||||||||||||||||
| Personal Care | $ Amount | Frequency | Monthly Payment | |||||||||||||||||
| Food/Groceries | $0.00 | |||||||||||||||||||
| Clothes | $0.00 | |||||||||||||||||||
| Dry Cleaning/Laundry | $0.00 | |||||||||||||||||||
| Family Travel | $0.00 | |||||||||||||||||||
| Haircare Products | $0.00 | |||||||||||||||||||
| Hair Cuts, Coloring, etc. | $0.00 | |||||||||||||||||||
| Cosmetics/Makeup/Perfume | $0.00 | |||||||||||||||||||
| Dentist/Orthodontist | $0.00 | |||||||||||||||||||
| Oral Hygiene Products | $0.00 | |||||||||||||||||||
| Eye Doctor | $0.00 | |||||||||||||||||||
| Contacts/Glasses | $0.00 | |||||||||||||||||||
| Doctors | $0.00 | |||||||||||||||||||
| Medication | $0.00 | |||||||||||||||||||
| Toiletries | $0.00 | |||||||||||||||||||
| Gym Membership/Dues | $0.00 | |||||||||||||||||||
| Personal Grooming (manicure, pedicure, etc.) | $0.00 | |||||||||||||||||||
| Additional Item 1 | $0.00 | |||||||||||||||||||
| Additional Item 2 | $0.00 | |||||||||||||||||||
| Additional Item 3 | $0.00 | |||||||||||||||||||
| Total Monthly Personal Care Expenses | $0.00 | |||||||||||||||||||
| Child Expenses | $ Amount | Frequency | Monthly Payment | |||||||||||||||||
| Childcare | $0.00 | |||||||||||||||||||
| Child Support Payments | $0.00 | |||||||||||||||||||
| School Books/Supplies | $0.00 | |||||||||||||||||||
| Enrollment/School Fees | $0.00 | |||||||||||||||||||
| Tuition | $0.00 | |||||||||||||||||||
| Lunch | $0.00 | |||||||||||||||||||
| School Uniforms | $0.00 | |||||||||||||||||||
| Sports Team Fees | $0.00 | |||||||||||||||||||
| Sporting Equipment | $0.00 | |||||||||||||||||||
| After-school Lessons (dancing, music, etc.) | $0.00 | |||||||||||||||||||
| Extracurricular Activity | $0.00 | |||||||||||||||||||
| Additional Item 1 | $0.00 | |||||||||||||||||||
| Additional Item 2 | $0.00 | |||||||||||||||||||
| Additional Item 3 | $0.00 | |||||||||||||||||||
| Total Monthly Family Expenses | $0.00 | |||||||||||||||||||
| Miscellaneous | $ Amount | Frequency | Monthly Payment | |||||||||||||||||
| Pet Food | $0.00 | |||||||||||||||||||
| Vet Bills | $0.00 | |||||||||||||||||||
| Pet Care (litter, toys, sitter) | $0.00 | |||||||||||||||||||
| Donations | $0.00 | |||||||||||||||||||
| Books/Downloads | $0.00 | |||||||||||||||||||
| Jewelry | $0.00 | |||||||||||||||||||
| Hobby | $0.00 | |||||||||||||||||||
| Vacation | $0.00 | |||||||||||||||||||
| Parties | $0.00 | |||||||||||||||||||
| Gifts (birthdays, holidays, etc.) | $0.00 | |||||||||||||||||||
| Holiday/Seasonal Items | $0.00 | |||||||||||||||||||
| Other Miscellaneous Items | $0.00 | |||||||||||||||||||
| Additional Item 1 | $0.00 | |||||||||||||||||||
| Additional Item 2 | $0.00 | |||||||||||||||||||
| Additional Item 3 | $0.00 | |||||||||||||||||||
| Total Monthly Miscellaneous Expenses | $0.00 | |||||||||||||||||||
| Debt Payments | $ Amount | Frequency | Monthly Payment | |||||||||||||||||
| Credit Card 1 | $0.00 | |||||||||||||||||||
| Credit Card 2 | $0.00 | |||||||||||||||||||
| Credit Card 3 | $0.00 | |||||||||||||||||||
| Personal/Bank Loan | $0.00 | |||||||||||||||||||
| Student Loan | $0.00 | |||||||||||||||||||
| Miscellaneous Debt 1 | $0.00 | |||||||||||||||||||
| Miscellaneous Debt 2 | $0.00 | |||||||||||||||||||
| Miscellaneous Debt 3 | $0.00 | |||||||||||||||||||
| Total Monthly Debt Payments | $0.00 | |||||||||||||||||||
| Savings Contributions | $ Amount | Frequency | Monthly Payment | |||||||||||||||||
| Emergency Fund | $0.00 | |||||||||||||||||||
| Educational Accounts | $0.00 | |||||||||||||||||||
| Retirement Accounts | $0.00 | |||||||||||||||||||
| Savings Account | $0.00 | |||||||||||||||||||
| Additional Item 1 | $0.00 | |||||||||||||||||||
| Additional Item 2 | $0.00 | |||||||||||||||||||
| Additional Item 3 | $0.00 | |||||||||||||||||||
| Total Monthly Savings Payments | $0.00 | |||||||||||||||||||
| Now that you've entered all your expenses, let's look at the totals. Below you'll see your total monthly living expenses and the portion of those that Suze considers to be essential (those marked with an asterisk in the expense tables you filled out). Are you surprised by how much you're spending every month? | ||||||||||||||||||||
| Total Monthly Expenses | $0.00 | |||||||||||||||||||
| Income | $ Amount | Frequency | Monthly Income | |||||||||||||||||
| After-tax Income | $0.00 | |||||||||||||||||||
| Spouse/Partners' After-tax Income | $0.00 | |||||||||||||||||||
| Alimony | $0.00 | |||||||||||||||||||
| Unemployment | $0.00 | |||||||||||||||||||
| Social Security | $0.00 | |||||||||||||||||||
| Other income | $0.00 | |||||||||||||||||||
| Other income | $0.00 | |||||||||||||||||||
| Other income | $0.00 | |||||||||||||||||||
| Total Monthly Income | $0.00 | |||||||||||||||||||
| Income | 2 | |||||||||||||||||||
| Totals | Debt | 1 | ||||||||||||||||||
| Lookup | 21 | Lookup | Savings | Income | Debt | Text Line | Text | |||||||||||||
| 2311 | 2 | 3 | 1 | 1 | Congratulations! You are saving on a monthly basis, don't have any debt and have an emergency fund. | |||||||||||||||
| 2312 | 2 | 3 | 1 | 2 | Keep doing what you're doing and try when possible to invest and save more! | |||||||||||||||
| 2313 | 2 | 3 | 1 | 3 | ||||||||||||||||
| Here you will see the total funds you have remaining each month in black, or the amount you are short in red. | 2314 | 2 | 3 | 1 | 4 | |||||||||||||||
| You’ll also see a pie chart with the breakdown of how you spend your money each month. | ||||||||||||||||||||
| If you’re like many of us, you may see more than a few surprises. That’s okay. No beating yourself up. | 2321 | 2 | 3 | 2 | 1 | You're living within your means and have some money stashed away for a rainy day. | ||||||||||||||
| 2322 | 2 | 3 | 2 | 2 | Congratulations! But to achieve true financial freedom, you need get out from under your debt burden as quickly as possible. | |||||||||||||||
| You have just done the most amazing thing. You are now standing in the truth of your financial life. | 2323 | 2 | 3 | 2 | 3 | Take that extra income you're not spending each month and use it to increase your debt payments. | ||||||||||||||
| 2324 | 2 | 3 | 2 | 4 | ||||||||||||||||
| This cash-flow statement is a valuable tool—one that you can return to over and over again to help you stay focused on your financial goals. | 2211 | 2 | 2 | 1 | 1 | You have savings and no debt. Congratulations! But you're currently spending all the money you earn. | ||||||||||||||
| Later in the course, you will learn how to get yourself out of any deficit hole or what to do with any excess funds you may have at the end of each month. This is just the beginning. Feels good, doesn’t it? | 2212 | 2 | 2 | 1 | 2 | If you want your savings to grow without incurring debt, you need to find some places to cut back on your expenses to free up a little | ||||||||||||||
| 2213 | 2 | 2 | 1 | 3 | cash to put away each month. | |||||||||||||||
| 1314 | 1 | 3 | 1 | 4 | ||||||||||||||||
| Total Monthly After-Tax Income | $0.00 | 1321 | 1 | 3 | 2 | 1 | You're currently living within your means. Congratulations! | |||||||||||||
| 1322 | 1 | 3 | 2 | 2 | But to achieve true financial freedom, you need to take that extra cash you have left over each month and use it to increase | |||||||||||||||
| Total Monthly Expenses | $0.00 | 1323 | 1 | 3 | 2 | 3 | your debt payments. | |||||||||||||
| 1324 | 1 | 3 | 2 | 4 | ||||||||||||||||
| TOTAL MONTHLY EXCESS OR DEFICIT | $0.00 | |||||||||||||||||||
| 1211 | 1 | 2 | 1 | 1 | ||||||||||||||||
| 1221 | 1 | 2 | 2 | 1 | You're currently living within your means, which is good. But to achieve true financial freedom, you need get out from under your debt | |||||||||||||||
| Category | $ Amount | % of Total Expenses | 1222 | 1 | 2 | 2 | 2 | burden as quickly as possible. See if you can find ways to reduce your spending each month and free up some cash that you can use to | ||||||||||||
| Home | $0 | ERROR:#DIV/0! | 1223 | 1 | 2 | 2 | 3 | increase your debt payments. At the same time, you need to start planning for a rainy day. | ||||||||||||
| Transportation | $0 | ERROR:#DIV/0! | 1224 | 1 | 2 | 2 | 4 | What can you do to start building an emergency savings fund? | ||||||||||||
| Insurance | $0 | ERROR:#DIV/0! | 2111 | 2 | 1 | 1 | 1 | You've put some money away for a rainy day and don't have any debt, which is good. But you're currently living beyond your means. | ||||||||||||
| Entertainment | $0 | ERROR:#DIV/0! | 2112 | 2 | 1 | 1 | 2 | See if you can find ways to reduce your spending each month to the point that you're not spending more than you earn. | ||||||||||||
| Personal/Family Care | $0 | ERROR:#DIV/0! | 2113 | 2 | 1 | 1 | 3 | |||||||||||||
| Child Expenses | $0 | ERROR:#DIV/0! | 2114 | 2 | 1 | 1 | 4 | |||||||||||||
| Miscellaneous | $0 | ERROR:#DIV/0! | 1111 | 1 | 1 | 1 | 1 | You have no debt, which is great. But you're currently living beyond your means and don't have anything put away for a rainy day. | ||||||||||||
| Debt Payments | $0 | ERROR:#DIV/0! | 1112 | 1 | 1 | 1 | 2 | See if you can find ways to reduce your spending each month so that you're spending less than you earn. | ||||||||||||
| Savings Contributions | $0 | ERROR:#DIV/0! | 1113 | 1 | 1 | 1 | 3 | Use the extra money to start building an emergency savings fund. | ||||||||||||
| Total | $0 | 1114 | 1 | 1 | 1 | 4 | ||||||||||||||
| 1121 | 1 | 1 | 2 | 1 | You're currently living beyond your means, your debt threatens to drag you down even further, and you don't have anything put away | |||||||||||||||
| 1122 | 1 | 1 | 2 | 2 | for a rainy day. You need to find ways to reduce your spending each month so that you're spending less than you earn. | |||||||||||||||
| 1123 | 1 | 1 | 2 | 3 | Use the extra money to increase your debt payments so you can get out from under your debt burden as quickly as possible. | |||||||||||||||
| 1124 | 1 | 1 | 2 | 4 | Then you need to use the extra cash to start building an emergency savings fund. | |||||||||||||||
| Based on your current financial situation, what are two short-term (in the next 12 months) goals you might set for yourself? | ||||||||||||||||||||
| Goal 1: | ||||||||||||||||||||
| Goal2: | ||||||||||||||||||||
| Based on your current financial situation, what are two long-term (more than one year in the future) goals you might set for yourself? | ||||||||||||||||||||
| Goal 1: | ||||||||||||||||||||
| Goal2: | ||||||||||||||||||||
| Look at your excess or deficit (above in yellow rows). What are some steps you can take to bring this amount to zero? For example, if you have excess, could you apply that money to debt or savings? If you have a deficit, what expenses could you reduce to bring it to zero? List at least two actions you could take. | ||||||||||||||||||||
| ERROR:#REF! | 2 | 1 | 2 | ERROR:#REF! | You need to find ways to reduce your spending each month so that you're spending less than you earn. | |||||||||||||||
| 2214 | 2 | 2 | 1 | 4 | ||||||||||||||||
| 1311 | 1 | 3 | 1 | 1 | You're living within your means and are debt free! Congratulations! | |||||||||||||||
| 1312 | 1 | 3 | 1 | 2 | But you need to start saving for a rainy day. | |||||||||||||||
| 1313 | 1 | 3 | 1 | 3 | Take some of that extra income you're not spending each month and start building an emergency fund. | |||||||||||||||
| 2221 | 2 | 2 | 2 | 1 | You've managed to put some money away for a rainy day: congratulations! | |||||||||||||||
| 2222 | 2 | 2 | 2 | 2 | But to achieve true financial freedom, you need get out from under your debt burden as quickly as possible. | |||||||||||||||
| 2223 | 2 | 2 | 2 | 3 | See if you can find ways to reduce your spending each month and free up some cash that you can use to increase your debt payments. | |||||||||||||||
| 2224 | 2 | 2 | 2 | 4 | ||||||||||||||||
| 1322 | 1 | 3 | 2 | 2 | But to achieve true financial freedom, you need to take that extra cash you have left over each month and use it to increase | |||||||||||||||
| the instructions could make the numeracy case by saying something like "math is part of our everyday lives as we decide what we can and can't spend, how much to save, etc.... | ||||||||||||||||||||
Breakdown of Monthly Expenses
Home Transportation Insurance Entertainment Personal/Family Care Child Expenses Miscellaneous Debt Payments Savings Contributions 0 0 0 0 0 0 0 0 0
Week 3-Education Funding
| Where an amount is requested, enter only dollar amounts to allow calculations to occur. | |||
| 1 patrickg: Tip: If you don't know this year's tuition costs, use the tuition calculator at www.phoenix.edu/financialplanassignment. You can also find this in your student Account. | This year's total tuition costs | ||
| 2 patrickg: Tip: If you're not sure how much you've borrowed, log in to www.nslds.ed.gov to see all of your federal student loans. You can also find a total loan balance in your account Repayment tab. You can also contact the Financial Services team. | How much of this year's tuition is currently funded through loans? | ||
| 3 | How much of this year's tuition is currently funded through personal savings or salary? | ||
| 4 | How much of this year's tuition is currently funded through scholarships, grants (including Pell Grants), military benefits, employer reimbursement, and/or other sources? | ||
| 5 | Unfunded tuition costs | $0 | |
| Excess funding | $0 | ||
| These options are best suited to address my unfunded tuition: | $ Covered | ||
| 1 | |||
| 2 | |||
| 3 | |||
| 4 | |||
| 5 | |||
| Total | $0 | ||
| 6 | How much student loan debt do you expect to have at graduation? | ||
| 7 | What is the average annual starting salary you expect after graduation? | ||
| 8 | Do your student loans exceed your expected annual starting salary? | NO | |
| 9 | What can you do to reduce the amount you borrow? | Potential | |
| If you do not have any loans, what would you suggest to another student? | Savings | ||
| 1 | |||
| 2 | |||
| 3 | |||
| 4 | |||
| Total | $0 | ||
| 10 | What is the standard monthly payment for the total amount you expect to borrow? | ||
| 11 | What federal repayment plans are available to help students lower the standard monthly payment? | ||
| 12 | Explain your return on educational investment. Consider what you will pay for your program, how much you'll borrow, and estimated future salary over the length of your career. | ||
| 13 | After completing this assignment, how do you feel about your plan to pay for college? Will you try to lower the amount you borrow? Will you try to find ways to pay some tuition without using loans? What changes might you make to your educational financial plan? | ||
Week 3-Job Expenses
| Added expenses when working in chosen job | $ Amount | Frequency | Monthly Payment | |
| Moving costs (if applicable, choose the time period you would have these costs paid within- no more than Yearly) | $0.00 | |||
| Childcare | $0.00 | |||
| Public transportation to/from work | $0.00 | |||
| Gas to/from work | $0.00 | |||
| Parking | $0.00 | |||
| Additional meals (ex. lunch, group events) | $0.00 | |||
| Clothing | $0.00 | |||
| Work-related materials/supplies (ex. classroom supplies) | $0.00 | |||
| Conference or organization membership | $0.00 | |||
| Union dues | $0.00 | |||
| Health insurance payment Chris Conway : For insurance payment amounts, consider whether you expect your insurance payments to increase or decrease once working in your chosen field. If you think you will save money, you can enter a negative number in this cell. | $0.00 | |||
| Dental insurance payment | $0.00 | |||
| Vision insurance payment | $0.00 | |||
| Disability insurance payment | $0.00 | |||
| Life insurance payment | $0.00 | |||
| Retirement plan contribution | $0.00 | |||
| Additional Item 1 | $0.00 | |||
| Additional Item 2 | $0.00 | |||
| Additional Item 3 | $0.00 | |||
| Total Additional Monthly Job Expenses | $0.00 | |||
| Estimated gross monthly salary first year after graduation Chris Conway: This amount is calculated from the annual starting salary estimate in Question 7 of the Week 3 Education Funding assignment. That amount is then divided by 12 to reach your gross monthly income (before tax). | $0.00 | |||
| Estimated monthly take-home salary first year after graduation (assumes 19.2% tax rate) Chris Conway: This is an estimate of taxes that would be withdrawn from your future income. This assumes 10.5% federal, 3% state, 6.2% Social Security, and 1.5% Medicare. 19.2% total estimated tax. | $0.00 | |||
| Estimated increase (decrease) to monthly take-home pay Chris Conway: This field is an estimate of your monthly income increase (or decrease) once you are working in your chosen field after graduation. |
Chris Conway : For insurance payment amounts, consider whether you expect your insurance payments to increase or decrease once working in your chosen field. If you think you will save money, you can enter a negative number in this cell. | $0.00 | ||
| Total Additional Monthly Household Income | $0.00 | |||
| Original Monthly Budget from Week 2: | ||||
| Total Monthly After-Tax Income | $ - 0 | |||
| Total Monthly Household Expenses | $ - 0 | |||
| Total Monthly Transportation Expenses | $ - 0 | |||
| Total Monthly Insurance Expenses | $ - 0 | |||
| Total Monthly Entertainment Expenses | $ - 0 | |||
| Total Monthly Personal Care Expenses | $ - 0 | |||
| Total Monthly Family Expenses | $ - 0 | |||
| Total Monthly Miscellaneous Expenses | $ - 0 | |||
| Total Monthly Debt Payments | $ - 0 | |||
| Total Monthly Savings Payments | $ - 0 | |||
| Monthly Excess/Deficit | $0.00 | |||
| Estimated increase (decrease) to monthly take-home pay | $0.00 | |||
| Less Additional Monthly Job Expenses | $0.00 | |||
| Less Estimated Monthly Student Loan Payment | $0.00 | |||
| Estimated Future Montly Excess/Deficit | $0.00 | |||
| In this assignment you have considered the most common expenses you may see as a result of working in your chosen career. Lines 45-48 on this worksheet show how your future monthly income and expenses may change. How does this activity affect your thinking about future jobs? | ||||
References
| Pivot Table Data | ||||||||
| Category | Sub-Category | Amount | Age List | Frequency List | ||||
| Home | Rent | ERROR:#N/A | 1 | Daily | 30.41 | |||
| Home | Mortgage | ERROR:#N/A | 2 | Weekly | 4.3333333333 | |||
| Home | HELOC or Home Eq Loan | ERROR:#N/A | 3 | Every 2 weeks | 2.1666666667 | |||
| Home | Additional Loans? | ERROR:#N/A | 4 | Monthly | 1.00 | |||
| Home | Maintenance Fee | ERROR:#N/A | 5 | Every 2 months | 0.50 | |||
| Home | HOA Fee | ERROR:#N/A | 6 | Every 3 months | 0.33 | |||
| Home | Property Tax | ERROR:#N/A | 7 | Every 6 Months | 0.1666666667 | |||
| Home | Home Insurance | ERROR:#N/A | 8 | Yearly | 0.0833333333 | |||
| Home | Telephone | ERROR:#N/A | 9 | |||||
| Home | Cell Phone, including estimated overages | ERROR:#N/A | 10 | |||||
| Home | Internet | ERROR:#N/A | 11 | |||||
| Home | Cable | 0 | 12 | |||||
| Home | Electricity | ERROR:#N/A | 13 | |||||
| Home | Heating Oil | ERROR:#N/A | 14 | |||||
| Home | Coal | ERROR:#N/A | 15 | |||||
| Home | Water | ERROR:#N/A | 16 | |||||
| Home | Garden | ERROR:#N/A | 17 | |||||
| Home | Firewood | ERROR:#N/A | 18 | |||||
| Home | Repairs | ERROR:#N/A | 19 | |||||
| Home | Lawn Care | ERROR:#N/A | 20 | |||||
| Home | Snow Care | ERROR:#N/A | 21 | |||||
| Home | Alarm System | 0 | 22 | |||||
| Home | Firewood | ERROR:#N/A | 23 | |||||
| Home | Pool/Hot Tub | ERROR:#N/A | 24 | |||||
| Home | Maintenance and Repair, including purchases | 0 | 25 | |||||
| Car | Monthly Car 1 Payment | ERROR:#N/A | 26 | |||||
| Car | Monthly Car 2 Payment | ERROR:#N/A | 27 | |||||
| Car | Monthly Car 3 Payment | ERROR:#N/A | 28 | |||||
| Car | Monthly Car 4 Payment | ERROR:#N/A | 29 | |||||
| Car | Gas for ALL cars | ERROR:#N/A | 30 | |||||
| Car | Car Maintenance | ERROR:#N/A | 31 | |||||
| Car | Parking Lots | ERROR:#N/A | 32 | |||||
| Car | Car Tolls | ERROR:#N/A | 33 | |||||
| Car | Car EZ PASS | ERROR:#N/A | 34 | |||||
| Car | Car Parking Tickets | ERROR:#N/A | 35 | |||||
| Car | Car Sat Radio | ERROR:#N/A | 36 | |||||
| Car | Car Emergency Service | ERROR:#N/A | 37 | |||||
| Insurance | Health Insurance | ERROR:#N/A | 38 | |||||
| Insurance | Life Insurance | ERROR:#N/A | 39 | |||||
| Insurance | Disability Insurance | ERROR:#N/A | 40 | |||||
| Insurance | Long Term Care Ins | ERROR:#N/A | 41 | |||||
| Insurance | Dental Insurance | ERROR:#N/A | 42 | |||||
| Insurance | Car Insurance | ERROR:#N/A | 43 | |||||
| Miscellaneous | Food/Groceries | ERROR:#N/A | 44 | |||||
| Miscellaneous | Eating out | ERROR:#N/A | 45 | |||||
| Miscellaneous | Pet Food | 0 | 46 | |||||
| Miscellaneous | Child Support | ERROR:#N/A | 47 | |||||
| Miscellaneous | Private School | ERROR:#N/A | 48 | |||||
| Miscellaneous | Child Care | ERROR:#N/A | 49 | |||||
| Miscellaneous | Public Transportation | ERROR:#N/A | 50 | |||||
| Miscellaneous | Vet Bills | 0 | 51 | |||||
| Miscellaneous | Video Rentals | ERROR:#N/A | 52 | |||||
| Miscellaneous | Movies | ERROR:#N/A | 53 | |||||
| Miscellaneous | Sports games | ERROR:#N/A | 54 | |||||
| Miscellaneous | Computer | ERROR:#N/A | 55 | |||||
| Miscellaneous | Cleaning Supplies/Services | ERROR:#N/A | 56 | |||||
| Miscellaneous | Membership Dues | ERROR:#N/A | 57 | |||||
| Miscellaneous | Hair | ERROR:#N/A | 58 | |||||
| Miscellaneous | Makeup | ERROR:#N/A | 59 | |||||
| Miscellaneous | Clothes | ERROR:#N/A | 60 | |||||
| Miscellaneous | Dry Cleaning/Laundry | ERROR:#N/A | 61 | |||||
| Miscellaneous | Massage | ERROR:#N/A | 62 | |||||
| Miscellaneous | Manicure | ERROR:#N/A | 63 | |||||
| Miscellaneous | Gifts | ERROR:#N/A | 64 | |||||
| Miscellaneous | Vacations | ERROR:#N/A | 65 | |||||
| Miscellaneous | Donations | 0 | 66 | |||||
| Miscellaneous | Books | ERROR:#N/A | 67 | |||||
| Miscellaneous | Magazines | ERROR:#N/A | 68 | |||||
| Miscellaneous | Newspaper | ERROR:#N/A | 69 | |||||
| Miscellaneous | Health Club | ERROR:#N/A | 70 | |||||
| Miscellaneous | Dentist | ERROR:#N/A | 71 | |||||
| Miscellaneous | Eye Doctor | ERROR:#N/A | 72 | |||||
| Miscellaneous | Medication | ERROR:#N/A | 73 | |||||
| Miscellaneous | Toiletries | ERROR:#N/A | 74 | |||||
| Miscellaneous | Jewelery | ERROR:#N/A | 75 | |||||
| Miscellaneous | Hobby | 0 | 76 | |||||
| Miscellaneous | Holiday/Seasonal Items | 0 | 77 | |||||
| Miscellaneous | Family Travel | ERROR:#N/A | 78 | |||||
| Miscellaneous | Additional Item 1 | 0 | 79 | |||||
| Miscellaneous | Additional Item 2 | 0 | 80 | |||||
| Miscellaneous | Additional Item 3 | 0 | 81 | |||||
| Debt Payments | Credit Cards | ERROR:#N/A | 82 | |||||
| Debt Payments | 401k Loan | ERROR:#N/A | 83 | |||||
| Debt Payments | Personal Loan | ERROR:#N/A | 84 | |||||
| Debt Payments | Bank Loan | ERROR:#N/A | 85 | |||||
| Debt Payments | Student Loan | ERROR:#N/A | 86 | |||||
| Debt Payments | Bankruptcy payment | ERROR:#N/A | 87 | |||||
| Debt Payments | Quarterly Taxes | ERROR:#N/A | 88 | |||||
| Debt Payments | IRS debt payment | ERROR:#N/A | 89 | |||||
| 90 | ||||||||
| 91 | ||||||||
| 92 | ||||||||
| 93 | ||||||||
| 94 | ||||||||
| 95 | ||||||||
| 96 | ||||||||
| 97 | ||||||||
| 98 | ||||||||
| 99 | ||||||||
| 100 |
