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Financial Planning Final Project

Financial Planning Final Project

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  • 1. Prospects Analís Amaro & Jose Gallegos
  • 2. Incomes
    • Analís
      • Bi-weekly: $983.85
      • 3. Monthly: $1,967.70
      • 4. Signing bonus: $5,000
      • Jose
        • Bi–weekly $1,113.07
        • 5. Monthly: $2,226.14
        • 6. Signing bonus: $3,000
    Combined: Annually: $85,000 Net Annually: $57, 000 Monthly net: $4,193.84 Bi-weekly net: $ 2,096.92
  • 7. Careers
    • Surgical Technologist
    • Paralegal
    -Assist in Surgical Procedures -Sterilize & Assemble Equipment / Area -Assist Lawyers in preparing for Closings, Hearings, Trials, & Corporate meetings -Prohibited from setting legal fees, giving legal advice, and presenting cases in court.
  • 8. 7 Booth St #103, Gaithersburg MD 20878
  • 9. Amenities include: Business Center, Pool, Exercise room, Billiards, Library
  • 10.  
  • 11. Unit Amenities: Dishwasher, Balcony/Patio, Ceiling fans, ceramic tile, Drapes/Blinds, Garbage Disposal, High Ceilings, Vaulted Ceiling, Skylight, Walk-in closets, Washer & Dryer.
  • 12. Major Purchases $2,223.93 Some of these were bought in doubles
  • 13. Minor Household Purchases
    • $521.38
  • 14. Electronics
      • Jose - $1640
    • 47 in 1080p LG Widescreen LCD HDTV - $1,199.95
    • 15. X-Box 360 250 GB - $299.99
    • 16. 1 Sanyo Zio -W/Android Tech $139.99
      • Analis - $960
    • 1 Sanyo Zio -W/Android Tech $139.99
    • 17. CPU - $549.99
    • 18. Monitor/TV 23”- $269.99
  • 19. Total Purchase costs
    • Jose and I agreed that I'd pay for the majority of the apartment furnishings since Jose would pay more rent.
    • 20. We came to this conclusion because I make about - $360, I attained a bigger signing bonus, and I'd get driven to/from work.
  • 26. Transportation
    • Jose’s Car:
      • Cost – 4.5 grand
      • 27. Down payment: 1 grand
      • 28. Monthly fee: $168.33 for 2 years
      • 29. 5.95% Interest
      • 30. At Carmax
      • 31. Because of the close proximity/work schedules – I get driven to/from work every day.
  • 32. Budget Deductions Analis Total Split Deductions Jose Total Monthly Net $1,967.70 $2,226.14 Rent -750.00 $1267.70 $1750 -1000.00 $1226.14 Transport – Car/Bus -168.33 $1057.81 Fuel -25.00 $1242.70 $60 -35.00 $1022.81 Fios -Cable/Internet -42.50 $1200.20 $85 -42.50 $980.31 Cell Phone - Cricket -55.00 $1150.20 -55.00 $930.31 Insurance -Farmers -75.00 $855.31 Food -90.00 $1060.20 $150.00 -60.00 $795.31 Charities* -75.00 $985.26 Entertainment/Misc -25.00 $960.26 -30.00 $765.31
      • * ASPCA -$20 Oceana -$20 WildLife Alliance -$20
      • 33. Rainforest Conservation Fund - $15