This document summarizes the annual cost of living expenses for two individuals, Jessica and Samir, living in St. Louis, MO. It details their incomes, savings, housing costs at an apartment, healthcare and insurance expenses, transportation via car lease and gas, utilities, food, furniture, and extracurricular activities. By the end of the year, Jessica has $778.73 remaining income while Samir has $343.19 left over after accounting for all expenses.

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

2. LOCATION St. Louis, MO

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

4. SavingSaving after Income TaxesJessicaSaving: 10%Amount: $3454.35Savings account at Bank: $2400.05% APYChecking account at bank of America: $1054.35SamirSaving: 5%Amount: $1547.05Saving account at Bank: $1000.05% APYChecking account at bank of America: $547.05

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

6. HousingWarson Village Town House Apartments1000 Darwick CourtCity: St. Louis, MO Zip Code: 63132

7. Housing CostLease Term: 12 MonthsDeposit: $400Living Cost: $11,580 annually ($965/month) - ($5990/person annually)Renter's Insurance cost: $17/monthSize: 1350 sq feet2 story apartment2 bedrooms1.5 bathroom1 bathCovered parkingFitness Center

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

9. HealthcareUnited Health InsuranceSamir$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 IncomeJessica $24,797.15 - $1,019.28(healthcare)= $23,777.87Samir$23,101.95 - $832.62 (healthcare) = $22,269.33

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

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

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

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

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

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

17. Extracurricular ActivitiesJessicaClothes: $1500Netflix: $54/year per personTravel: $1,800Total: $3354SamirClothes: $1200Netflix: $54/year per personCardinal season tickets: $2025/yearTotal: $3270

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

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