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% of MONTHLY

STEP CATEGORY ITEM AMOUNT GROSS


2 INCOME Annual Gross Wage $49,000
3 Monthly Gross Wage $4,083
4 Net Wage (monthly) $3,237

5 SAVINGS Monthly Savings Account $324


6 Monthly Retirement $324
7 Total Monthly Savings $647 16

8 MONTHLY MONEY Monthly Amount for Budget $2,589

9 COST OF LIVING Monthly Rent $502 12


10 Renter's Insurance $20 0
11 Cable/Satellite $4 0
Internet $13 0
Home Phone $0 0
Mobile Phone $75 2
Electricity/Gas $54 1
12 Total Cost of Living $668 16

13 TRANSPORTATION Public Transportation $105 3


14 Car Payment $0 0
15 Car Insurance $0 0
16 Car Maintenance $0 0
17 Gas $0 0
18 Total Cost of Transportation $105 3

19 FOOD Groceries $303 7


20 Dining Out $180 4
21 Total Cost of Food $483 12

22 HEALTH Health Insurance $83 2


23 Dental Insurance $25 1
24 Eye Insurance $25 1
25 Haircut $28 1
26 Other Grooming/Hygiene $25 1
27 Gym Membership $58 1
28 Total Cost of Health $244 6

29 EDUCATION Student Loan $115 3


DISCRETIONARY
30 SPENDING "Wants" $400 10

31 MONTHLY SPENDING Total Costs $2,015 49


MONTHLY
32 BALANCE Balance $574 14
CHOICE
Software Developer

10%
10%

Philadelphia, PA, with two additional roommates

Netflix, 3 people
3
3
$75 voice
3

Chicago
None

Public transportation

Moderate
3 meal per week, $15 meals

$10,000
budget to find ways to
balance your budget

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