1. THE COST of LIVING: St. Luis, MO By: Jessica Harada and SamirFaza

2. LOCATION St. Louis, MO

3. Total Income: Initial and Post Tax JessicaOccupation: Teacher Inital Income45,000FICA3,442.50Post-Tax37,986Total34,543.5 SamirOccupation: AccountantInital Income40,000FICA3,060Post-Tax34,001Total30,941

4. Saving Saving after Income Taxes Jessica Saving: 10% Amount: $3454.35 Savings account at Bank: $2400 .05% APY Checking account at bank of America: $1054.35 Samir Saving: 5% Amount: $1547.05 Saving account at Bank: $1000 .05% APY Checking account at bank of America: $547.05

5. Remaining Income Samir Disposable Income ($30,941.00) – Savings ($1,547.05) = $29,393.95 Jessica Disposable Income ($34,543.50) – Savings ($3,454.35) = $31,089.15

6. Housing Warson Village Town House Apartments 1000 Darwick Court City: St. Louis, MO Zip Code: 63132

7. Housing Cost Lease Term: 12 Months Deposit: $400 Living Cost: $11,580 annually ($965/month) - ($5990/person annually) Renter's Insurance cost: $17/month Size: 1350 sq feet 2 story apartment 2 bedrooms 1.5 bathroom 1 bath Covered parking Fitness Center

8. Remaining Income Jessica $31,089.15 -$200 (Deposit) -$5,990 (Annual Cost) -$102 (Renters Insurance) $24,797.15 Samir $29,393.95 -$200 (Deposit) -$5,990 (Annual Cost) -$102 (Renters Insurance) $23,101.95

9. HealthcareUnited Health Insurance Samir $832.62 Annually $69.39/month/per person United Health One Copay Select 20%$3,500 Deductable 20% Coinsurance for in-network services ‍Individual coverage ‍Jessica ‍$1019.28 Annually $111/month/per person ‍United Health One Copay Select 20%$3,500 Deductable ‍20% Coinsurance for in-network services ‍Individual coverage

10. Remaining Income Jessica $24,797.15 - $1,019.28(healthcare) = $23,777.87 Samir $23,101.95 - $832.62 (healthcare) = $22,269.33

11. Transportation Lease for 36 months: 9450 total, 4725 per person Car Lease: Honda Accord Sedan $270/month Car Insurance: AAA Car Inurance 2107.23 annually / 175.60 per month Price of Gas Per Gallon: $3.65 (mid)Roughly estimated 9 gallon usage: $32.85854.10 a year for gas per person

12. Remaining Income Jessica $23,777.87 - $4,725(Lease) - $854.10(Gas) - $1053.62(Insurance) =$17,145.15 Samir $22,269.33 - $4,725(Lease) - $854.10(Gas) - $1053.62(Insurance) =$15,634.61

13. Utilities Utilities combined per year. Electricity: $757.08 Water: $840 Gas: $450 Phone: AT&T Nation 1400 Family Talk with Rollover and DataPlus 200 MB Cell phone plan: $89/month total DataPlus plan: $30/month total $1428 Internet, Home Phone and CableCox Good Bundle $845.76

14. Remaining Income Jessica $17,145.15 - $378.54(Electric) - $420(Water) - $225(Gas) – $714(Phone) - $422.88(Cox Cable/Phone/Internet) = $14,984.73 Samir $15,634.61 - $378.54(Electric) - $420(Water) - $225(Gas) – $714(Phone) - $422.88(Cox Cable/Phone/Internet) =$13,474.19

15. Food/Furniture Jessica Food: $10,000 Furniture: $400 (split cost) TV: $202 (split cost) Supplies: $250 Samir Food: $9,000 Furniture: $400 (split cost TV: $202 Supplies: $250

16. Remaining Income Jessica $14,984.73 - $10,000(Food) – $400(Furniture) – $202(TV) - $250(Supplies) =$4132.73 Samir $13,474.19 - $9,000(Food) – $400(Furniture) – $202(TV) - $250(Supplies) =$3622.19

17. Extracurricular Activities Jessica Clothes: $1500 Netflix: $54/year per person Travel: $1,800 Total: $3354 Samir Clothes: $1200 Netflix: $54/year per person Cardinal season tickets: $2025/year Total: $3270

18. Remaining Income Jessica $4,132.73 - $1,500(Clothes) - $54(Netflix) - $1,800(Travel) =$778.73 Samir $3,622.19 - $1,200(Clothes) - $54(Netflix) - $2025(Cardinal Tickets) =$343.19

19. End Jessica Savings: $3,454.35 Housing Costs: $6,6092 Healthcare: $1,019.28 Transportation: $6,632.72 Utilities: $2,160.42 Food/Furniture: $10,852 Extracurricular Activities: $2,954 Remaining Income: $778.73 Samir Savings: $1,547.05 Housing Costs: $6,6092 Healthcare: $832.62 Transportation: $6,632.72 Utilities: $2,160.42 Food/Furniture: $10,852 Extracurricular Activities: $3,270 Remaining Income: $343.19