Anisha Patel and Ellen Rojc analyzed the cost of living in St. Louis, Missouri for two individuals - Anisha, an accountant earning $40,000 annually, and Ellen, a ballet dancer earning $55,000 annually. They calculated expenses such as housing, utilities, transportation, food, healthcare, and discretionary spending. After accounting for all expenses, Anisha was left with $8,803.39 remaining annually while Ellen had $18,288.01 remaining.

1. St. Louis, Missouri The Cost of Living: Anisha Patel and Ellen Rojc Period 1

2. Location St. Louis, Missouri

3. Total Income: Initial and Post-tax Anisha Ellen Occupation: Accountant Initial Income: $40,000FICA: $3,060.00Missouri State Income Tax: $1,839Federal Tax: $6,180Post-Tax: $31,981TOTAL: $28,921.00 Occupation: Principal Ballet Dancer in the St. Louis BalletInitial Income: $55,000FICA: $4207.50Missouri State Income Tax: $2,739Federal Tax: $7,600Post-Tax: $44,661TOTAL: $40,453.50

4. Savings Anisha $2,313.68 Savings Account at Bank of America: $1,563.68 (0.08% APY) Checking Account at Bank of America $750 Ellen $3,236.28 Savings Account at Bank of America: $2,436.28 (0.08% APY) Checking Account at Bank of America $800

5. Remaining Income Anisha $28,921.00 -$2313.68 (Savings)= $26,607.32 Ellen $40,453.50 -$3,236.28 (Savings)= $37,217.22

6. Housing 5927 Suson Place Apartment #2 City: St. Louis Zip Code: 63139

7. Housing Costs Lease Term: 1 Year Deposit: $300 Living Cost: $8,880 annually Renter’s Insurance Cost: $240 annually Size: 800 square feet 1 Story Apartment - 2 bedrooms - 1 bathroom/bath

8. Remaining Income Anisha $26,607.32 -$150.00 (Deposit) -$4,440 (Annual Cost) -$120.00 (Renters’ Insurance)= $21,897.32 Ellen $37,217.22 -$150.00 (Deposit) -$4,400.00 (Annual Cost) -$120.00 (Renter’s Insurance)= $32,507.22

9. Healthcare: Anthem Anisha $734.52 annually $61.21/month/per person CoreShare (0% Coininsurance) $10,000 deductible health plan 0% Coinsurance for in-network services Individual coverage Ellen $734.52 annually $61.21/month/per person CoreShare (0% Coininsurance) $10,000 deductible health plan 0% Coinsurance for in-network services Individual coverage

10. Remaining Income Anisha$21897.32-$734.52 (Healthcare)=$21,162.80 Ellen$32507.22-$734.52 (Healthcare)=$31,772.70

11. Transportation Metro Transit – St.Louis (For one year) Monthly Pass $68.00 per person (68x12 = 816 x2 = $1,632 for two people per year)

12. Remaining Income Anisha$21162.80-$816.00 (Transportation)=$20346.80 Ellen$31772.70-$816.00 (Transportation)=$30956.70

13. Utilities(Calculated on an Annual Basis, Shared Cost) Electricity: $1195.84 Water: $138.36 Gas: $428.00 Phone: $456.00 Internet: $358.80

14. Remaining Income Anisha $20346.80 -$597.92 (Electricity) -$69.18 (Water) -$214.00 (Gas) -$228.00 (Phone) -$179.40 (Internet)= $19058.30 Ellen $30956.70 -$597.92 (Electricity) -$69.18 (Water) -$214.00 (Gas) -$228.00 (Phone) -$179.40 (Internet)= $29668.20

15. Food and Furniture Anisha $5200 annually Breakfast $20 per week (at home) Lunch $20 per week (packed lunch for work/fast food) Dinner $35 on weekends(restaurants) and $25 for the weekdays (at home) Household Furniture $450 (split cost) TV: $79.99 (Coby - 16" Class/ 720p / 60Hz / LCD HD TV DVD Combo) Household Supplies: $450 Ellen $6240 annually Breakfast $20 per week (at home) Lunch $30 per week (packed lunch for work/fast food) Dinner $40 on weekends (at restaurants) and $30 for the weekdays (at home) Household furniture $450 (split cost) TV: $79.99 (Coby - 16" Class/ 720p / 60Hz / LCD HD TV DVD Combo) Household Supplies $450

16. Remaining Income Anisha $19058.38 -$5200.00 (Food) -$450.oo (Furniture) -$79.99 (Television) -$450.00 (Household Supplies)= $12878.39 Ellen $29668.20 -$6240.00 (Food) -$450.00 (Furniture) -$79.99 (Television) -$450.00 (Household Supplies)= $22448.01

17. Extracurricular Activities Anisha Clothes $1,325 (annually) Movies $250 Vacation, Travel $2500 Ellen Clothes $1,410 (annually) Movies $250 Vacation, Travel $2500

18. Remaining Income Anisha $12878.39 -$1325.00 (Clothes) -$250.00 (Movies) -$2500.00 (Travel, Vacation)= $8803.39 Ellen $22448.01 -$1410.00 (Clothes) -$250.00 (Movies) -$2500.00 (Travel, Vacation)= $18288.01

19. End Anisha Savings: $2313.68 Apartment Costs: Healthcare: Transportation: Utilities: Food/Furniture Extracurricular Activities Remaining Inc. Ellen

20. Works Cited Anthem Blue Cross. "Anthem Missouri Health Insurance Plans - Anthem Blue Cross Blue Shield." Affordable Health Insurance & Medical Insurance Plans – Anthem Blue Cross Blue Shield. Anthem Blue Cross, 2010. Web. 06 June 2011. BestBuy. "TV/DVD: Flat Screen TV DVD Combos - Best Buy." Best Buy - Computers, Video Games, TVs, Cameras, Appliances, Phones. BBY Solutions, 2003-2011. Web. 07 June 2011. Bi-State Development Agency. "Complete Metro Transit Fare Chart | Metro Transit St. Louis." Metro Transit Saint Louis | MetroBus, MetroLink and Call-A-Ride Moving the Community Forward. Bi-State Development Agency, 2010. Web. 07 June 2011. D&K Living. "Hampton Gardens." Central St. Louis Apartments, South St. Louis Apartments | Hampton Gardens Apartments. D&K Living, 2010. Web. 04 June 2011. Dominion Enterprises. "Hampton Gardens." ForRent.com. Dominion Enterprises, 2011. Web. 4 June 2011. IRS. "1040EZ." Internal Revenue Service. IRS, 2010. Web. 1 June 2011. <http://www.irs.gov/>. JEA. "Quarterly Electric Rates." JEA. JEA, Apr. 2011. Web. 04 June 2011. <http://www.jea.com/services/electric/rates_quarterly.asp>.