1. Occupation- Teacher High School New York City Starting Salary: $42,000 a year plus health benefits, dental, and optical coverage Average monthly salary 3, 500 before taxes

2. Living Arrangement 1 bedroom apartment Bayside, Queens Rent $1,200 includes utilities $120 dollars cable/internet 3,500 -1200 -120 =2180

3. Free Car from Grandma Gas $100 Car Insurance $200 Or buy or lease a Newer Car Car Payment $400 Gas $100 Car Insurance $300 $2180 -300 =1880 $2180 -800 =1380 (Use loan interest calculator to calculate payments )

4. $250 $1880 - $250= $1630

5. Food $300 a month 1630-200= 1330

6. Entertainment $300 $1330- $300= $1030

7. Personal Care Products $150 $1030- $150= $880

8. Credit Card Bill $100 Building Credit $880- $100= $780

9. Student Loans Repayment $150 780-150=630

10. Discretionary Spending $630

11. ?????????????????? Put money into a savings account???? ??

12. Pet ?????? Pet food???

13. Clothing ??????