01 Apr Write a summary of what you learn from the example budget (budget file is attached). Does your income exceed your expenses? o I
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Assignment Instructions:
For this assignment, write a summary of what you learn from the example budget (budget file is attached). I am also attaching a sample assignment to show the format that the teacher wants.
1. Does your income exceed your expenses?
o If so, how much are you saving each month and is it enough? How do you know it is enough?
o If not, what are your goals for addressing the deficit (i.e. job change, cut back on expenses, etc)
2. How is your short-term savings—if you had an emergency, would you have enough in savings to handle the situation?
3. Why is a savings account important? How much do you need to have in savings? What are some tips to accumulating savings?
4. What else did you learn from this budgeting exercise that could help you and/or your family finances going forward?
Write a 3 page paper that addresses these questions after completing your budget worksheet.
Use the template provided. Follow APA format, including a title page, introduction, conclusion, citations, and a minimum of one reference (not Wikipedia or Investopedia). See the attached PPT file.
PERSONAL BUDGET
| Create a Simple Personal Budget in this worksheet. Helpful instructions on how to use this worksheet are in cells in this column. Arrow down to get started. | ||||||||||||||||
| Title of this worksheet is in cell at right. Enter year in cell Q2. Next instruction is in cell A4. | PERSONAL BUDGET | 2022 | ||||||||||||||
| Labels are in cells C4 through P4. | REVENUE | JAN | FEB | MAR | APR | MAY | JUN | JUL | AUG | SEP | OCT | NOV | DEC | YEAR | ||
| Enter details in Income table starting in cell C5. Next instruction is in cell A11. | INCOME | January | February | March | April | May | June | July | August | September | October | November | December | Year | Sparkline | |
| Wages | $2,600.00 | $2,600.00 | $2,600.00 | $7,800.00 | ||||||||||||
| Interest/Dividends | $649.00 | $313.00 | $664.00 | $1,626.00 | ||||||||||||
| Miscellaneous | $474.00 | $643.00 | $380.00 | $1,497.00 | ||||||||||||
| Total | $3,723.00 | $3,556.00 | $3,644.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10,923.00 | |||
| Labels are in cells C11 through P11. | EXPENSES | JAN | FEB | MAR | APR | MAY | JUN | JUL | AUG | SEP | OCT | NOV | DEC | YEAR | ||
| Enter Home expenses in table starting in cell C12. Next instruction is in cell A20. | HOME | January | February | March | April | May | June | July | August | September | October | November | December | Year | Sparkline | |
| Mortgage | $750.00 | $750.00 | $750.00 | $2,250.00 | ||||||||||||
| Insurance | $0.00 | |||||||||||||||
| Repairs | $75.00 | $75.00 | ||||||||||||||
| Services | $35.00 | $35.00 | $35.00 | $105.00 | ||||||||||||
| Utilities | $165.00 | $165.00 | $165.00 | $495.00 | ||||||||||||
| Total | $950.00 | $950.00 | $1,025.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2,925.00 | |||
| Enter Daily expenses in table starting in cell C20. Next instruction is in cell A29. | DAILY LIVING | January | February | March | April | May | June | July | August | September | October | November | December | Year | Sparkline | |
| Groceries | $191.00 | $152.00 | $145.00 | $488.00 | ||||||||||||
| Child care | $200.00 | $200.00 | $200.00 | $600.00 | ||||||||||||
| Dry cleaning | $20.00 | $20.00 | $40.00 | |||||||||||||
| Dining out | $55.00 | $56.00 | $111.00 | |||||||||||||
| Housecleaning service | $25.00 | $17.00 | $7.00 | $49.00 | ||||||||||||
| Dog walker | $10.00 | $5.00 | $7.00 | $22.00 | ||||||||||||
| Total | $501.00 | $374.00 | $435.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1,310.00 | |||
| Enter Transportation expenses in table starting in cell C29. Next instruction is in cell A38. | TRANSPORTATION | January | February | March | April | May | June | July | August | September | October | November | December | Year | Sparkline | |
| Gas/fuel | $195.00 | $125.00 | $171.00 | $491.00 | ||||||||||||
| Insurance | $165.00 | $165.00 | $165.00 | $495.00 | ||||||||||||
| Repairs | $0.00 | |||||||||||||||
| Car wash/detailing services | $10.00 | $10.00 | ||||||||||||||
| Parking | $10.00 | $40.00 | $20.00 | $70.00 | ||||||||||||
| Public transportation | $20.00 | $40.00 | $30.00 | $90.00 | ||||||||||||
| Total | $400.00 | $370.00 | $386.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1,156.00 | |||
| Enter Entertainment expenses in table starting in cell C38. Next instruction is in cell A45. | ENTERTAINMENT | January | February | March | April | May | June | July | August | September | October | November | December | Year | Sparkline | |
| Cable TV | $85.00 | $85.00 | $85.00 | $255.00 | ||||||||||||
| Video/DVD rentals | $7.00 | $8.00 | $9.00 | $24.00 | ||||||||||||
| Movies/plays | $9.00 | $5.00 | $9.00 | $23.00 | ||||||||||||
| Concerts/clubs | $5.00 | $5.00 | $7.00 | $17.00 | ||||||||||||
| Total | $106.00 | $103.00 | $110.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $319.00 | |||
| Enter Health expenses in table starting in cell C45. Next instruction is in cell A55. | HEALTH | January | February | March | April | May | June | July | August | September | October | November | December | Year | Sparkline | |
| Health club dues | $50.00 | $50.00 | $50.00 | $150.00 | ||||||||||||
| Insurance | $225.00 | $225.00 | $225.00 | $675.00 | ||||||||||||
| Prescriptions | $100.00 | $100.00 | $100.00 | $300.00 | ||||||||||||
| Over-the-counter drugs | $6.00 | $2.00 | $9.00 | $17.00 | ||||||||||||
| Co-payments/out-of-pocket | $20.00 | $41.00 | $61.00 | |||||||||||||
| Veterinarians/pet medicines | $4.00 | $25.00 | $29.00 | |||||||||||||
| Life insurance | $55.00 | $55.00 | $55.00 | $165.00 | ||||||||||||
| Total | $460.00 | $432.00 | $505.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1,397.00 | |||
| Enter Vacations expenses in table starting in cell C55. Next instruction is in cell A64. | VACATIONS | January | February | March | April | May | June | July | August | September | October | November | December | Year | Sparkline | |
| Plane fare | $485.00 | $485.00 | ||||||||||||||
| Accommodations | $245.00 | $245.00 | ||||||||||||||
| Food | $95.00 | $95.00 | ||||||||||||||
| Souvenirs | $0.00 | |||||||||||||||
| Pet boarding | $0.00 | |||||||||||||||
| Rental car | $85.00 | $85.00 | ||||||||||||||
| Total | $0.00 | $910.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $910.00 | |||
| Enter Recreation expenses in table starting in cell C64. Next instruction is in cell A71. | RECREATION | January | February | March | April | May | June | July | August | September | October | November | December | Year | Sparkline | |
| Gym fees | $0.00 | |||||||||||||||
| Sports equipment | $0.00 | |||||||||||||||
| Team dues | $0.00 | |||||||||||||||
| Toys/child gear | $39.00 | $33.00 | $40.00 | $112.00 | ||||||||||||
| Total | $39.00 | $33.00 | $40.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $112.00 | |||
| Enter expenses in Dues and Subscription table starting in cell C71. Next instruction is in cell A81. | DUES/SUBSCRIPTION | January | February | March | April | May | June | July | August | September | October | November | December | Year | Sparkline | |
| Magazines | $0.00 | |||||||||||||||
| Newspapers | $0.00 | |||||||||||||||
| Internet connection | $0.00 | |||||||||||||||
| Public radio | $0.00 | |||||||||||||||
| Public television | $0.00 | |||||||||||||||
| Religious organizations | $29.00 | $18.00 | $17.00 | $64.00 | ||||||||||||
| Charity | $0.00 | |||||||||||||||
| Total | $29.00 | $18.00 | $17.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $64.00 | |||
| Enter Personal expenses in table starting in cell C81. Next instruction is in cell A89. | PERSONAL | January | February | March | April | May | June | July | August | September | October | November | December | Year | Sparkline | |
| Clothing | $29.00 | $29.00 | ||||||||||||||
| Gifts | $35.00 | $35.00 | ||||||||||||||
| Salon/barber | $25.00 | $25.00 | $25.00 | $75.00 | ||||||||||||
| Books | $0.00 | |||||||||||||||
| Music (CDs, etc.) | $0.00 | |||||||||||||||
| Total | $25.00 | $60.00 | $54.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $139.00 | |||
| Enter Financial Obligations in table starting in cell C89. Next instruction is in cell A97. | FINANCIAL OBLIGATIONS | January | February | March | April | May | June | July | August | September | October | November | December | Year | Sparkline | |
| Long-term savings | $25.00 | $25.00 | $25.00 | $75.00 | ||||||||||||
| Retirement (401k, Roth IRA) | $45.00 | $45.00 | $45.00 | $135.00 | ||||||||||||
| Credit card payments | $75.00 | $75.00 | $75.00 | $225.00 | ||||||||||||
| Income tax (additional) | $0.00 | |||||||||||||||
| Other obligations | $32.00 | $34.00 | $1.00 | $67.00 | ||||||||||||
| Total | $177.00 | $179.00 | $146.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $502.00 | |||
| Enter Miscellaneous Payments in table starting in cell C97. Next instruction is in cell A105. | MISC PAYMENTS | January | February | March | April | May | June | July | August | September | October | November | December | Year | Sparkline | |
| Other | $0.00 | |||||||||||||||
| Other | $0.00 | |||||||||||||||
| Other | $0.00 | |||||||||||||||
| Other | $0.00 | |||||||||||||||
| Other | $0.00 | |||||||||||||||
| Total | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | |||
| Totals are auto calculated in table starting in cell C105. Total expenses and Cash shortage or surplus are auto calculated for each month and entire year, and sparklines are updated. | TOTALS | JAN | FEB | MAR | APR | MAY | JUN | JUL | AUG | SEP | OCT | NOV | DEC | YEAR | SPARKLINE | |
| Total expenses | $2,687.00 | $3,429.00 | $2,718.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8,834.00 | |||
| Cash short/extra | $1,036.00 | $127.00 | $926.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2,089.00 | |||
2022
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Running head: GUIDED IMAGERY AND PROGRESSIVE MUSCLE RELAXATION |
2 |
3
Title of Paper in Bold Centered
Student Name
American Public University
COURSE####: Course Title
Instructor Name
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