2. Checks and Balances

3. What to do: Pick a career Pick a type of housing Pick a car Keep a record of all expenses and income (sheet provided) Experience every day life essentials Experience every day life incidentals

4. Careers Teacher for Baldwin County Accounting Paralegal Lawyer Austal Shipyard Nursing Police EMT Fire Fighter YMCA staff Dietician/Nutritionist Waiter/Waitress Fast Food Banker Physician Dentist Social Worker Sales House Cleaner Minister Pharmacist Administrative Assistant Contractor Chemical Engineer Builder

5. 1 st year Teacher 39,042.00 per year $3252.50 per month before taxes $220 for taxes, social security, insurance

6. Accountant $40,000 per year $3,333.33 per month before taxes $250 for taxes, social security, insurance

7. Paralegal $41,000 per year $3,416.66 per month before taxes $270 for taxes, social security, insurance

8. Lawyer $56,000.00 per year $4,666.66 per month before taxes $330 for taxes, social security, insurance

9. Austal Shipyard $20.00 per hour before taxes $112 for taxes, social security, insurance

10. Nursing $50,000.00 per year $4,166.66 per month before taxes $300 for taxes, social security, insurance

11. Police $43,000.00 per year $3,583.33 per month before taxes $290 for taxes, social security, insurance

12. EMT $27,000.00 per year $2,250.00 per month before taxes $175 for taxes, social security, insurance

13. Fire Fighter $35,000.00 per year $2,916.66 per month before taxes $210 for taxes, social security, insurance

14. YMCA staff $6.50 per hour $112 for taxes, social security, insurance

15. Dietician/Nutritionist $42,000.00 per year $3,500.00 per month before taxes $280 for taxes, social security, insurance

16. Waiter/Waitress $5.85 per hour before taxes $90.00 for taxes, social security, insurance

17. Fast Food $5.85 per hour before taxes $90.00 for taxes, social security, insurance

18. Banker $33,000.00 per year $2,750.00 per month before taxes $200.00 for taxes, social security, insurance

19. Physician $66,000.00 per year $5,500.00 per month before taxes $340.00 for taxes, social security, insurance

20. Dentist $46,000.00 per year $3,833.33 per month before taxes $250.00 for taxes, social security, insurance

21. Social Worker $26,000.00 per year $2,166.67 per month before taxes $180.00 for taxes, social security, insurance

22. Sales $40,000.00 per year $3,333.33 per month before taxes $250 for taxes, social security, insurance

23. House Cleaner $60.00 per hour $90.00 taxes, social security, insurance

24. Minister $35,000.00 per year $2,916.66 per month before taxes $210 for taxes, social security, insurance

25. Pharmacist $10.00 per hour $90.00 for taxes, social security, insurance

26. Administrative Assistant $13.00 per hour $90 for taxes, social security, insurance

27. Contractor $60,000.00 per year $5,000.00 per month before taxes $300.00 for taxes, social security, insurance

28. Chemical Engineer $70,000.00 per year $5,833.33 per month before taxes $410.00 for taxes, social security, insurance

29. Builder $50.00 per hour $100.00 for taxes, social security, insurance

30. Housing Purchase a house Rent an apartment

31. Purchase 1 bedroom home 2 bedroom home 3 bedroom home

32. 1 bedroom house Principal $800.00 Interest $140.00 Principal Mortgage Insurance $150.00 Total $1,090.00

33. 2 bedroom house Principal $1,000.00 Interest $210.00 Principal Mortgage Insurance $200.00 Total $1,410.00

34. 3 bedroom house Principal $1,200.00 Interest $250.00 Principal Mortgage Insurance $250.00 Total $1,700.00

35. Rent 1 bedroom apartment 2 bedroom apartment 3 bedroom apartment

36. 1 bedroom apartment 1 bedroom, 1 bath $615.00 1 bedroom, 1 bath, with garden room $645.00 Security deposit: $250.00 (one time fee) Application fee: $40.00 (one time fee) Pet fee: $300.00 (one time fee) Pet rate: $10.00 per month

37. 2 bedroom apartment 2 bedroom, 1 bath $715.00 2 bedroom, 1 bath, with garden room $740.00 2 bedroom, 2 bath $740.00 Security deposit: $250.00 (one time fee) Application fee: $40.00 (one time fee) Pet fee: $300.00 (one time fee) Pet rate: $10.00 per month

38. 3 bedroom apartment 3 bedroom, 2 bath $875 Security deposit: $250.00 (one time fee) Application fee: $40.00 (one time fee) Pet fee: $300.00 (one time fee) Pet rate: $10.00 per month

39. Cars http://www.carmax.com http://www.pontiac.com http://www.edmunds.com http://www.kbb.com http://www.honda.com http://www.toyota.com http://www.nissanusa.com http://www.chrysler.com

40. Every Day Life Essentials Week 1 Week 2 Week 3 Week 4

41. Week 1 Monday Tuesday Wednesday Thursday Friday

42. Week 2 Monday Tuesday Wednesday Thursday Friday

43. Week 3 Monday Tuesday Wednesday Thursday Friday

44. Week 4 Monday Tuesday Wednesday Thursday Friday

45. Monday Rent/Mortgage $??? (you choose this) Car Payment $330.00

46. Monday Today you realize that you don’t have any food in the refrigerator. So, you decide to join a few friends out for dinner. After dinner, you buy groceries for the house.out for dinnergroceries Remember to click on the Monday tab to return and finish your day!

47. Tuesday Cell Phone $130.00

48. Tuesday Today was just a normal day. You just go home and relax!

49. Wednesday Nothing

50. Wednesday Today is hump day! Yeah, the week is almost over!!! Thank goodness nothing happens today!!!

51. Thursday Cable $65.00

52. Thursday Oh my goodness! You must have run over some nails when you drove past the work site because you now have 2 flat tires! Thank goodness you know a friend that owns a tow truck. You don’t have to pay for the tow, but you have to buy 2 new tires. UGH! When will this week end???2 new tires

53. Friday Home Phone $35.00 Car Insurance $115.00

54. Friday What a long week! Your boss surprises everyone by giving a cash bonus just because! Oh yeah, let’s go shopping! On the quick shopping spree, friends call to join them for dinner. Of course you go!!! It’s the weekend, why not!?!?cash bonus dinner Remember to click on the Friday tab to return and finish your day!

55. Monday Nothing

56. Monday Your vet sends a card in the mail to remind you of your pet’s shots! You call to make an appointment for Wednesday.

57. Tuesday Water $20.00

58. Tuesday Your toilet is having issues and you desperately need a plumber! Unfortunately, it is after hours and you know that means extra money out of your pocket. UGH!plumber

59. Wednesday Nothing

60. Wednesday You take your pet to the vet for shots.vet

61. Thursday Nothing

62. Thursday Today is just a normal day. You go home and rest!

63. Friday Nothing

64. Friday You are driving to work and see that you are due for an oil change. You drop off your car and have a co-worker take you in to work. While working, you get a phone call saying that a belt in the car is breaking and it needs to be replaced. You car was worked on for a total of 4.5 hours.car

65. Monday Credit Card Balance Due: $1,200.00 Minimum Due: $37.00

66. Monday It is your boyfriend’s or girlfriend’s birthday and you decide to take them out to dinner.dinner

67. Tuesday Nothing

68. Tuesday You go home after work and cook a simple meal. You had a big night last night celebrating!

69. Wednesday Nothing

70. Wednesday You look down as you drive to work and see the gas light is on. How long has it been on? You better stop and get gas. You know your car takes 13 gallons of gas, so you fill it up.gas

71. Thursday Nothing

72. Thursday You get invited to a party this Friday night and you want a new outfit. Of course, you must go shopping! While shopping you look in the mirror and notice you need a haircut to make your outfit so much better. So, you head off after shopping to the local hair cuttery.shoppinghair cuttery

73. Friday Home insurance $210.00 Renters insurance $170.00

74. Friday On the way to the party you stop by the ATM for some extra cash, that is if you have any left! ATM

75. Monday Nothing

76. Monday You hate Monday’s! Go home and curl up in bed and watch TV until you fall asleep.

77. Tuesday Nothing

78. Tuesday It’s your birthday and you get checks from your family! YIPPEE!!!! Jack pot! Go deposit that money into your checking account quickly!checks

79. Wednesday Electrical $150.00

80. Wednesday You have the sniffles so you go to your doctor. He gives you a prescription to fill. Then when you get home, there is a message reminding you of your dentist appointment tomorrow at 3:30. WHAT??? The dentist is the worst! doctorprescription

81. Thursday Nothing

82. Thursday You leave for the dentist at 3:00. The only thing that gets you through this horrible experience that is about to happen is your trip tomorrow!!!!!dentist

83. Friday Nothing

84. Friday You decide to go with some friends to New Orleans. Everyone volunteers you as the driver, so you need gas. Plus you need spending money, so you stop by the ATM. You look for a place to stay for Friday and Saturday night.gasATMplace to stay Check ledger

85. Groceries Monday

86. Clothing American Eagle Hollister Co. Target Thursday

87. Dining http://www.baumhowers.com http://www.originaloysterhouse.com/menus.php?category=mobile http://www.bentzspizzapub.com/menu.php http://www.swsds.com/guidos/menu/html http://www.ocharleys.com/menu/ Monday (week 1) Friday (week 1) Monday (week 3)

88. Car items Oil Change$19.99 + tax ($21.73) Car Parts$10.00 + tax ($10.87) New Tires$60.00/tire+ tax ($65.22) Tire rotation Tire balance$50.00 + tax ($54.35) Labor$10.50 per hour (must be added on for all services) Thursday (week 1)Friday (week 2)

89. Bonus It’s your lucky day! The boss gives you $200.00 as a cash bonus because he is in a good mood!!!! Friday

90. Veternarian Your vet says your pet needs 3 shots which will cost $15.00 each. So, you owe $45.00 and tax is 7.5% ($3.37). Wednesday

91. Plumber Service charge of $30.00 After hour rate is $37.50 per hour. Plumber is there for one and a half hours. Tax is $4.21 Tuesday

92. Gasoline Gas is $2.80 per gallon. You need 13 gallons. Wednesday (week 3)Friday (week 4)

93. ATM If you have any money in your check ledger, you get $25.00 from your account. If you see there is very little to no money, you shake your head and walk away. Friday( week 3)Friday( week 4)

94. Hotel Rooms http://www.discoverneworleans.com/hotels.html Friday (week 4)

95. Birthday Cash Parents: $100.00 Brother or Sister: $25.00 Grandparents on mom’s side: $50.00 Grandparents on dad’s side: $100.00 Godparents: $100.00 Tuesday (week 4)

96. Doctor Regular doctor visit: $20.00 co-pay Dentist visit: $20.00 co-pay Prescriptions: $5.00 (because of insurance) Doctor Prescription Dentist

97. Hair cut Just a haircut is $15.00 A cut and for them to dry it is $20.00 A wash, cut, and dry is $35.00 Thursday (week 3)

98. Isn’t life full of surprises?