This document provides financial information for Cynthia Fulton, including a personal balance sheet with assets and liabilities as of October 23, 2022. Her total assets are $239,336.90, consisting of current assets like cash and retirement accounts, as well as long-term assets including her primary residence and vehicles. Her total liabilities are $242,999.77, comprised of current liabilities such as credit card debt and long-term liabilities including her mortgage and student loans. Based on this information, Cynthia has a personal net worth (equity) of negative $3,662.87, indicating her debts currently exceed her assets.

1. CashFlowStatementPersonal Cash Flow Statement (My Current
Actual Income and Expenses)Complete this Statement BEFORE
COMPLETING THE BUDGET!Name: Cynthia FultonAs of
Date: 10/06/2022Use this sheet to identify your TAKE HOME
income, your monthly expenses, and your disposable income
and percentage.Do not report any monies deducted from your
pay.Change Cell Names as neededMonthly Take Home
IncomeSecured Debts (Monthly Payments on Major
Items)Salary/Wages/Business Draw4,459.16Housing/Apartment
Rent0.00Salary or Wages (Spouse)0.00Home 1st
Mortgage740.00Social Security that you Receive0.00Home 2nd
Mortgage0.00Pension/Retirement that you receive0.00Land
Lease (Trailer park, other)0.00Interest you receive on Accounts
(e.g., savings)0.00Student Loans0.00Alimony / Child Support
that you receive0.001st Auto Loan/Leases385.50Real Estate rent
(income) that you receive0.002nd Auto
Loan/Leases0.00Investment Dividends0.00Recreation (Boat,
ATV, etc.) Payments0.00Unemployment/ Food Stamps0.00Other
Debts0.00Other income you receive (type the item in this
cell)0.00Other Debts0.00Total Monthly Take Home
Income$4,459.16Other Loans0.00Other Loans0.00Monthly
Living ExpensesTotal Secured Debt1,125.50Alimony / Child
Support that you Pay (outgoing)0.00Auto Gas, Oil, Repair, and
Taxes110.00Unsecured Debt (Monthly Payments)Auto
Insurance171.00Credit Card 1192.00Cable TV/ Satellite
Fees30.00Credit Card 2107.00Charitable
Contributions0.00Credit Card 340.00Child Care0.00Credit Card
492.00Childrens' Activities37.50Credit Card 5100.00Clothing
Maintenance (Laundy/Dry cleaning0.00Credit Card
645.00Clothing Purchases0.00Credit Card 764.00Electric
Bill100.00Credit Card 80.00Entertainment - Other than eating
out.0.00Personal Loan 1336.00Food (In-home /
Groceries)120.00Personal Loan 2110.00Food (Out of home -
Lunch, Dining)0.00Medical Bill Payment0.00Health and Dental

2. Insurance that you pay out of pocketOther
197.00Homeowner/Condo Repairs and/or fees0.00Other
0.00Homeowners or Renters Insurance0.00Total Unsecured
Debt1,283.00Household items(e.g., soaps, toothpaste,Lawn
supplies, etc.).0.00Internet Access0.00SummaryLife and
Disability Insurance40.00Total Take Home (Income
)4,459.16Memberships (Health club etc.)0.00Total Living
Expenses (-)1,473.21Personal Care (e.g., beauty
salon/haircuts)0.00Total Secured Debt Payments (-
)1,125.50Prescriptions0.00Total Unsecured Debt Payments (-
)1,283.00Property Services (Gardener,Pool)0.00Disposable
Income **577.45Security Services (Alarm)38.22Disposable
Income as a Percent of Total Income12.9%Subscriptions 10.97A
healthy budget will have disposable income = 5 to 10% of total
income.Telephone (Home, Cell, Pager)123.05Trash
Disposal0.00If your calculations reveal a deficit (negative
number/ not enough income Tuition and School
Supplies250.00to pay expenses), you are likely in serious debt.
Water Bill91.78You may print this spreadsheet and write in the
item amounts as you find the information. Then enter the
information into this spreadsheet in
Excel.Gas15.00Loans335.69Other Expenses0.00Total Monthly
Living Expenses1,473.21
PersonalBudgetPersonal/Household Budget Worksheet (My
Money Management Plan)Complete the Cash Flow Statement
BEFORE Completing this Budget!Name: (Enter your name
here.)Date: (Enter Date)Cell names and Data in this worksheet
are imported from the Cash Flow Statement worksheet. You can
change only the amounts.On this worksheet, change EXPENSE
ITEM amounts that you can adjust in your life (and on this
worksheet) to have a better Disposable Income PercentMonthly
Take Home IncomeSecured Debts (Monthly Payments on Major
Items)Salary/Wages/Business Draw4,459.16Housing/Apartment
Rent0.00Salary or Wages (Spouse)0.00Home 1st
Mortgage740.00Social Security that you Receive0.00Home 2nd
Mortgage0.00Pension/Retirement that you receive0.00Land

3. Lease (Trailer park, other)0.00Interest you receive on Accounts
(e.g., savings)0.00Student Loans0.00Alimony / Child Support
that you receive0.001st Auto Loan/Leases385.50Real Estate rent
(income) that you receive0.002nd Auto
Loan/Leases0.00Investment Dividends0.00Recreation (Boat,
ATV, etc.) Payments0.00Unemployment/ Food Stamps0.00Other
Debts0.00Other income you receive (type the item in this
cell)0.00Other Debts0.00Total Take Home
Income$4,459.16Other Loans0.00Other Loans0.00Monthly
Living ExpensesTotal Secured Debt1,125.50Alimony / Child
Support that you Pay (outgoing)0.00Auto Gas, Oil, Repair, and
Taxes110.00Unsecured Debt (Monthly Payments)Auto
Insurance171.00Credit Card 1192.00Cable TV/ Satellite
Fees30.00Credit Card 2107.00Charitable
Contributions0.00Credit Card 340.00Child Care0.00Credit Card
492.00Childrens' Activities37.50Credit Card 5100.00Clothing
Maintenance (Laundy/Dry cleaning0.00Credit Card
645.00Clothing Purchases0.00Credit Card 764.00Electric
Bill100.00Credit Card 80.00Entertainment - Other than eating
out.0.00Personal Loan 1336.00Food (In-home /
Groceries)120.00Personal Loan 2110.00Food (Out of home -
Lunch, Dining)0.00Medical Bill Payment0.00Health and Dental
Insurance that you pay out of pocket0.00Other
197.00Homeowner/Condo Repairs and/or fees0.00Other
0.00Homeowners or Renters Insurance0.00Total Unsecured
Debt1,283.00Household items(e.g., soaps, toothpaste,Lawn
supplies, etc.).0.00Internet Access0.00SummaryLife and
Disability Insurance40.00Total Take Home (Income
)4,459.16Memberships (Health club etc.)0.00Total Living
Expenses (-)1,473.21Personal Care (e.g., beauty
salon/haircuts)0.00Total Secured Debt Payments (-
)1,125.50Prescriptions0.00Total Unsecured Debt Payments (-
)1,283.00Property Services (Gardener,Pool)0.00Disposable
Income **577.45Security Services (Alarm)38.22Disposable
Income as a Percent of Total Income12.9%Subscriptions 10.97A
healthy budget will have disposable income = 5 to 10% of total

4. income.Telephone (Home, Cell, Pager)123.05Trash
Disposal0.00If your calculations reveal a deficit (negative
number/ not enough income Tuition and School
Supplies250.00to pay expenses), you are likely in serious debt.
Water Bill91.78Gas15.00Loans335.69Other Expenses0.00Total
Monthly Living Expenses1,473.21
Topic
Movie Time—Reign over Me
Various types of crises are frequently depicted in films,
sometimes accurately and sometimes very inaccurately. For this
option, I have chosen a film that shows an individual in a
transcrisis state, meaning that his current reality is affected by
an unresolved crisis. Some things to ponder as you watch: Are
the depictions in the film of an individual traumatized by a past
event an accurate portrayal of what occurs in such a situation?
What factors have contributed to the prolonging of the crisis?
Has anything helped the individual?
You will likely have rent this one. It is available at most video
rental services. Here is a link to the movie on Amazon Instant
Video:
The reaction paper is meant to give you a deeper understanding
of the concepts we cover in this course. For this first reaction
paper I have focused on mental disorders and their treatment.
All the options in this paper pertain to psychological disorders
that we will cover in the course.
You will graded upon the following areas:
Understanding of material
· You will be graded on your ability to demonstrate that you
completely read/watched the chosen work and that you
understood the material. Basically, this is a

5. BRIEF summary of your chosen work.
Reaction to Material
· You will be graded on your ability to
give a clear opinion and/or a well-developed argument
about the work you chose.
In-Depth Analysis of the Evidence for or Against your Reaction
· You will be graded on your ability to give
an in-depth analysis of evidence that supports or refutes
your reaction to the work. Students will find and
cite at least two other sources that support or refute
their reaction. For example, the work you chose advocates for a
confrontational style that you find to be uncomfortable. In the
previous section you discussed your discomfort with treatment
of an individual in one of the movies. In this section you
discuss whether evidence backs this method of treatment as
effective or finds it to be harmful. As another example, you may
feel that the work you have chosen ignores an important aspect
of assessing or treating a particular type of psychological
disorder. In this section, you would provide evidence that the
factor you consider to be important has been found to be an
central consideration in assessing or treating this type of mental
health issue.
Grammar, Readability, and Page Length
· Your paper should be well organized and must meet
a minimum page length of 3 FULL pages (not counting
title page or reference page)
To help get you started, here is a sample outline focusing on
possible heading. You don't necessarily have to follow the
sample outline is long is the areas above are covered.
Sample Outline:

6. Title Page (Not counted towards the minimum 3 page total)
Introduction (No more than half a page. I will count off if you
make this section too long as it would serve as filler. In other
words, be efficient with your summary)
· Include your summary here
Reaction (Should range somewhere between 1-2 pages)
Analysis of Psychological Concepts (Should range somewhere
between 1-2 pages)
Reference Page (Not counted towards the minimum 3 page total)
Personal Balance SheetCynthia FultonPersonal Balance Sheet as
of 10/23/2022Assets (What you own)Liabilities (What you
Owe)Current AssetsAmountCurrent (short term) Term
LiabilitiesAmountCash on hand$400.00Credit Card
1$6,000.00Checking accounts$1,200.00Credit Card
2$2,500.00Savings accounts$5,213.01Credit Card
3$2,100.00StocksCredit Card 4Certificates of Deposit,
etc.Credit Card 5Retirement Accounts$20,124.12Credit Card
6Home FurnishingsCredit Card 7JewelryLoan on JewelryOther
1 Loans from friends/familyOther 2Home line of creditOther
3Other short term debt 1Other 4Other short term debt 2Other
5Other short term debt 3Other 6Other short term debt 4Other
7Other short term debt 5Other 8Other short term debt 6Other
9Other short term debt 7Other 10Other short term debt 8Other
11Other short term debt 9 Total Current Assets$26,937.13
Total Short Term Liabilities$10,600.00Long Term AssetsLong

7. Term LiabilitiesVehicle 1$36,145.75Vehicle
1$36,145.75Vehicle 2Vehicle 2Recreational Vehicle
1Recreational Vehicle 1Recreational Vehicle 2Recreational
Vehicle 2Primary Residence$176,254.02Primary
Residence$176,254.02Secondary ResidenceSecondary
ResidenceRental PropertyRental PropertyBusiness
AssetsBusiness LoansOther 1Student Loans$20,000.00Other
2Other 1Other 3Other 2 Total Long Term Assets$212,399.77
Total Long Term Liabilities$232,399.77Total
Assets$239,336.90Total Liabilities$242,999.77Personal Net
Worth (Equity)-$3,662.87Cynthia FultonOctober 23, 2022(If
there is a 2nd person, type his/her name here)(Date)