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, transportation expenses including a car lease and insurance, utilities, food, healthcare costs, and discretionary expenses. By the end of the year, Jessica has $778.73 remaining from her income while Samir has $343.19 left after accounting for all expenses.

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