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Budgeting
 

Budgeting

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    Budgeting Budgeting Presentation Transcript

    • Budgeting
      • Raya Gazae & Sukie Fontaine
      Stephanie Chen & Irene Lee Per. 5
    • Overview
      • SUKIE FONTAINE
      • Occupation: Artist Manager
      • Initial Income: $45,000.00
      • Total Taxes: $12,241.50
      • Disposable Income:
      • $32,857.50
      • RAYA GAZAE
      • Occupation: Interior Designer
      • Initial Income: $60,000.00
      • Total Taxes: $18,970.00
      • Disposable Income:
      • $41,030.00
      Place of Residence: San Francisco, CA
    • Taxes, Taxes, Taxes.
      • MS. GAZAE, you owe:
      • Federal Income Tax: $8,850
      • FICA (7.65% of gross income): $4,590
      • CA State Income Tax: $5,580
      • MS. FONTAINE, you owe:
      • Federal Income Tax: $5,100
      • FICA (7.65% of gross income): $3442.50
      • CA State Income Tax: $3,600
    • Saving
      • 4% of adjusted income Sukie Fontaine (Total Savings: $1,800)
      • $1,200 Savings account at American Express
      • $600 Checking account at American Express
      • 1.15% APY
      • Raya Gazae (Total Savings: $2,400)
      • $1,900 Savings account at American Express
      • $500 Checking account at American Express
      • 1.15% APY
    • What Do I Have Left?
      • SUKIE FONTAINE
      • Disposable Income:
      • $32,857.50
      • - 1,800.00
      • $31,057.50
      • RAYA GAZAE
      • Disposable Income:
      • $41,030.00
      • - 2,400.00
      • $38,630.00
    • Housing Information 1,259 square feet Apartment (12th Floor) 1 car parking space 2 bathrooms 2 bedrooms 2 baths Unparalleled View of the Golden Gate Bridge
    • Housing: Costs Costs Lease Term: 1 Year Deposit: $1,200 Living Cost: $27,600 annually Renter's Insurance Cost: $300 annually Total for the first year: $29,100
    • What Do I Have Left?
      • SUKIE FONTAINE
      • Disposable Income:
      • $32,857.50
      • - 1,800.00
      • $31,057.50
      • - 14,550.00
      • $16,557.50
      • RAYA GAZAE
      • Disposable Income:
      • $41,030.00
      • - 2,400.00
      • $38,630.00
      • - 14,550.00
      • $24,130.00
    • Utilities Electricity: $1,500 Water: $600 Phone: $720 $60/mo. 550 shared minutes (2 lines) Unlimited nights/weekends Unlimited mobile/mobile Free Wifi throughout the whole building Total: $2,820 for 1 year
    • What Do I Have Left?
      • SUKIE FONTAINE
      • Disposable Income:
      • $32,857.50
      • - 1,800.00
      • $31,057.50
      • - 14,500.00
      • $16,557.50
      • - 1,410.00
      • $15,147.50
      • RAYA GAZAE
      • Disposable Income:
      • $41,030.00
      • - 2,400.00
      • $38,630.00
      • - 14,500.00
      • $24,130.00
      • - 1,410.00
      • $22,720.00
    • Health Care
      • Raya Gazae
      • $732 annually
      • $61/month/person
      • PPO- Optimum Advantage HSA NG
      • $4,500 deductible annually
      • 0% coinsurance after deduction
      • Individual Coverage
      • Sukie Fontaine
      • $732 annually
      • $61/month/person
      • PPO- Optimum Advantage HSA NG
      • $4,500 deductible annually
      • 0% coinsurance after deduction
      • Individual Coverage
    • What Do I Have Left?
      • SUKIE FONTAINE
      • Disposable Income:
      • $32,857.50
      • RAYA GAZAE
      • Disposable Income:
      • $41,030.00
    • Transportation
      • Use of Bay Area Rapid Transit (BART) $5/day, 5 days/week
      • $1,300 per person
    • What Do I Have Left?
      • SUKIE FONTAINE
      • Disposable Income:
      • $32,857.50
      • RAYA GAZAE
      • Disposable Income:
      • $41,030.00
    • Food Raya Gazae: $9,125 $15 brunch, $10 dinner Sukie Fontaine: $9,125 $15 brunch, $10 dinner
    • What Do I Have Left?
      • SUKIE FONTAINE
      • Disposable Income:
      • $32,857.50
      • RAYA GAZAE
      • Disposable Income:
      • $41,030.00
    • Extracurricular Activities
      • Raya Gazae
      • Clothes: $5,100
      • Hair Products/ Makeup: $463
      • Furniture: $2,000
      • Presents for Sukie Fontaine: $3,000
      • Gadgets (new phones, ipods, etc.):$1,000
      • TOTAL SPENT: $11,563.00
      Sukie Fontaine Clothes: $4,000 Netflix Membership: $96 Coachella: $500
    • What Do I Have Left?
      • SUKIE FONTAINE
      • Disposable Income:
      • $32,857.50
      • RAYA GAZAE
      • Disposable Income:
      • $41,030.00
    • Conclusion/ Summary
      • Learned:
        • Taxes are EXPENSIVE
        • FOOD is expensive
        • Transportation
        • Renting costs
          • Worth it?
        • Utilities
          • Prices differ depending on location
        • Traveling costs more than you think.
    • Thanks for watching!!