2. 1 BRESEE BANK Spend Your Money and Have Some Left Over

3. 2 YOUR EFFORTS TO GET YOU WHAT YOU WANT 2

4. 3  Food  Shelter  Clothes What Do You Need?  Cell phone with camera and streaming video?

5. 4 Pay for Monthly Needs in Points Food = 6,000 pts? Rent = 20,000 pts? Car = 3,500 pts?

6. 5 What Do You Want?  Cadillac Escalade, Gucci Leather Seats?  $10 Million House?  Michael Jordan Shoes?  Jacobs Jewelry - $10 Mil Rock?  DJ Equipment?  No Worry?  Give money away?

7. 6 What Do You Need? House …. But $10 million house? To Get Around…. But Escalade? Cell phone….But camera and streaming video?

8. 7 Good Choosing Spending is taking money out of your bucket HOW DO YOU DECIDE ??????

9. 8 Who Affects Your Choices?  Advertisers? friends?  Impress your friends?  Envy?  Being first?  Family?  Addictions?

10. 9 Spending to Live Your Life What do you need? Food Housing Transportation Personal care Entertainment Child care Miscellaneous School Loans 9

11. 10 Style, Baby… Playing the Lifestyle Game

12. 11 Your Monthly Income Single $1,750 Single with child $1,750 Couple $3,500 Couple with child $3,500

13. 12 Your Brilliant Budget Per month You Earn You Spend Housing Eating Getting around Have some fun Looking good And some stuff Care for baby School loans Savings Total spent Subtract from You Make Left Over?

14. 13 Single Couple with child w/o child with child Live with family$100.00$200.00$250.00$300.00 Rent room someone else's home$415.00$430.00 $445.00 Rent small apartment$665.00$680.00$695.00 Rent 2 bedroom home$1,200.00$1,400.00$1,600.00$2,000.00 H ousing Costs

15. 14 Eating Single Single with child Couple w/o child Couple with child Eat cheap -- coupons, cook at home, mooch off parents$110.00$115.00$300.00$315.00 Move up -- some store brands, fast food once in awhile$155.00$195.00$450.00$520.00 Spending more -- packaged stuff, fast food joints, some very nice restaurants$190.00$285.00$600.00$695.00 Easy life -- restaurants every day, or full meals from the grocery store$225.00$380.00$700.00$780.00

16. 15 Getting Around Single Single with child Couple w/o child Couple with child Bike or walk$20.00 Public transportation$30.00$50.00$75.00 Get wheels -- used car or cycle, buy insurance, gas, maintain$275.00$300.00 Top of the line - new car or cycle, buy insurance, gas, maintain$375.00$400.00$475.00

17. 16 Have Some Fun…. Single Single with child Couple w/o child Couple with child Cheap -- rent videos, use library, play for free in parks$25.00 $50.00 More fun -- still renting videos, but out with friends sometimes and some used CDs$40.00$50.00$75.00 Now we're living -- movies, sometimes concerts with friends, CDs on sale$60.00$75.00$100.00 Whee -- living high, out with friends, get that fancy home theater, buy the new CD releases$125.00$150.00$200.00

18. 17 Keep Looking Good… Single Single with child Couple w/o child Couple with child On the cheap -- friend cuts your hair, wash clothes at mom's, thrift shop clothes, 99c for shampoo $50.00$75.00$110.00$125.00 Friend does your hair, wash at laundromat, clothes and shampoo at discount store $75.00$100.00$110.00$150.00 Supercuts for hair, laundromat and even dry cleaners, clothes on sale, shampoo at 99c $120.00$140.00$160.00$175.00 Lux living -- hair at salon, dry clean clothes, drug stores for shampoo, clothes from mall $200.00$250.00$300.00$400.00

19. 18 And Some Stuff… Single Single with child Couple w/o child Couple with child Bare necessities -- little insurance, make presents for friends $55.00 $60.00$65.00 Little more insurance, donate a little, gifts on sale $60.00$70.00$80.00$90.00 OK lots of insurance, donate a little, buy some books, get NICE presents, take classes, get a dog (or cat) $110.00$140.00$155.00$170.00 Insure everything, donate lots, get great presents, buy books AND magazines, classes and another dog $200.00$220.00$250.00$270.00

20. 19 Taking Care of Baby Single Single with child Couple w/o child Couple with child Use parents/relatives for child care$0.00 Use babysitters occasionally$0.00$25.00$0.00$25.00 Pay for part time child care$0.00$175.00$0.00$175.00 Pay for full time child care$0.00$350.00$0.00$350.00

21. 20 Paying for School Years of CollegeYears of Grad. SchoolTotal Cost10 year Monthly Loan Poet - - -0 Military PFC - - -0 Teacher 4 1 $179,000 $746 Social worker 4 $124,000 $517 Cosmetologist 2 - $6,000 $25 Police officer 2 - $62,000 $258 Government administrator 4 - $124,000 $517 Chef 2 $62,000 $258 Day care owner - - - - Engineer / computer 4 - $124,000 $517 Psychologist/counselor 4 2$234,000 $975 Realtor 4 $124,000 $517 Architect 4 $124,000 $517 Corporate manager 4 - $124,000 $517 Entertainer/athlete - - - - Lawyer/Doctor 4 3 $389,000 $1,621

22. 21 Single Single with child Couple w/o child Couple with child Really cheap$360.00$490.00$790.00$875.00 Thrifty$775.00$920.00$1,220.00$1,380.00 Moderate spender$1,420.00$1,795.00$2,010.00$2,310.00 Pulls out all the stops$2,325.00$3,150.00$3,525.00$4,475.00 Income$1,750.00 $3,500.00 How Did You Do on Spending for Your Style… 21

23. 22 Savings How much did you pay How much did you pay YOURSELF?

24. 23 Using Other People’s NEXT CLASS BORROWING MONEY!!