1. Teens Living on Your Own: How much does it cost? How much does it really cost to live on your own? Day 1: Pick a job / monthly income Find the move-in expenses Day 2: Find the Fixed Expenses Transportation Expenses Day 3: Find the Variable Expenses Day 4: Evaluate your situation. Do you need to make changes to your expenses in order to match your monthly income? 04/09

2. the costs of moving Housing Options: *You might consider getting a roommate to share expenses. To do this, you must get at least a two bedroom apartment. You can ONLY split the expenses for ….. rent, deposits, TV, internet, electricity, water Possible Sanger Apartments: The Trails of Sanger Chisum Trail Apartments Possible Denton Apartments: Denton North Apartments - Coronado Oaks - Midtown Denton Windsor Village Apartments - Salem Ridge Apartments - 19 Twenty Coronado Villas - Kingswood - Village East - Mack Park - Pace’s Crossings Possible Krum Apartments Estate Villas Apartments teens – lesson 4 - slide 4-A

3. preparing a budget Electric & Water Companies: Sanger Water Department (ONLY IF YOU LIVE IN SANGER) Sanger Utility Department (ONLY IF YOU LIVE IN SANGER) City of Denton Utilities (ONLY IF YOU LIVE IN DENTON) CoServ (Electric company only for EITHER CITY) TV / Internet Companies: Suddenlink Charter Communications Direct TV Dishnetwork Insurance Companies: State Farm - Allstate - Progressive - GEIKO - Nationwide SafeAuto - Liberty Mutual - Farmers - teens – lesson 4 - slide 4-B

4. budgeting to move teens – lesson 4 - slide 4-C Income Job #1$ Job #2$ Total income$ Fixed expenses Rent $ Car Insurance $ Car Payment $ Variable expenses Cell Phone (monthly charges) $ Internet (for apartment - optional) $ Electric / Water Bill $ Food (per person LOW = $125/wk HIGH = $175/wk) $ Cable TV / Satellite (optional) $ Household Items (Paper Towels, Toilet Paper, Cleaning Supplies) $ Clothing / Shoes (optional) $ Miscellaneous (movies, video games, sports tickets, concert tickets, manicures, laptop, gym membership, etc) optional $ $

5. budgeting to move (continued) teens – lesson 4 - slide 4-C Variable expenses (continued) Gasoline ($2.99/ gallon; at least 30 gallons/ wk$ Oil Change (divde by 4, because you do this every 4 months)$ $ $ $ total monthly expenses 1 $ moving-in costs Rent for first month $ Rent Deposit $ Electric / Water Deposit $ Cable TV Installation Fee (only if you are getting cable TV) $ Moving Cost / Fees (rent a truck; pay a moving company; have friends & parents help is FREE) $ Pet Deposit (only if you have a pet) $ $ total cost to move in 2 $

6. budgeting to move (continued) teens – lesson 4 - slide 4-C cost of furnishing and equipping an apartment Bedroom (Bed, Sheets, Pillow, Comforter, Dresser, Lamp, etc.) or bring everything from your current bedroom $ Bathroom (Shower Curtain, 4 Towels, 4 Wash Rags, etc.)$ Living Room (Couch, Chair/ Recliner, TV, etc.)$ Kitchen (Table & Chairs, Microwave, Dishes, Silverware, Pans, etc. $ Other Miscellaneous Items $ $ $ total cost 3 $ summary Total cost for ONLY the first month (1+2+3) $ Regular monthly expenses (Fixed + Variable Expenses) $