This document contains a table showing monthly expenses over a 12 month period. It lists expenses like light, water, phone, food, gasoline, maintenance, education, and others. The total expenses are $3,736.25 per biweekly pay period. The annual salary is $96,000 ($8,000 per month) with $4,000 paid biweekly. After expenses, $263.75 is saved each pay period. The total annual expenses are $89,670, allowing $6,330 to be saved annually.