Regular Bills

(necessity)
Wfs 160 pay 1st of month / due

(entertainment)
Cox cable 50 pay 1st of month / due
Hollywood 25 pay 1st of month / due
SoE 14 pay 1st of month / due

total 249

Variable Bills

Chase (?) pay 1st of month / due
Car Fuel 200 (?)

total 200

All bills

Grand total 449

Must figure out a way to maintain my standard of living while lowering costs..

save $1,000 per month
save $500 per pay period
save $250 per week
save $35.75 per day

goal met!!!

i've actually been averaging over 1,000 per month (more like $1,120.00

Goals
September 11th, 2006
Within the next five years, hope to:

1. Buy a house:

Ideal Criteria:

a. Price- No more than $300,000 depending on future income
b. Large enough to accomodate two children and maybe three
c. Ideal 4 bedrooms for a home office, 3 is acceptable
d. Pool
e. Large spacious kitchen with plenty of counter space and cabinets
f. Large Family/Living Room
g. Location near excellent schools with excellent ratings
h. Near a cultured city/big city ideal
i. Garage/Driveway for two cars
j. An area where there is "Some" public transportation
k. Low insurance rates for automobiles and housing
l. Unattached
m. At least a backyard, not necessarily an acre of land
n. Minimal restrictions for improvements in a community
o. Closer to the North
p. Low crime, both property and against another being
q. dishwasher
r. washer/dryer

Ideal Locations: New England Area/New Jersey (Moorestown)/Maryland (Ellicott City)/Rhode Island/Massachusetts/Connecticut



Within the next ten years, hope to accomplish:

Travel:

A. Europe: Great Britain, Ireland, Germany, Austria

B. Domestic: Boston, Hawaii, Cross-country vacation: Grand Canyon, Sedonia Arizona

C. Other: Australia, Carribean, Egypt

Children:

hope to have two children in the next ten years and start a college fund for kids

Within the next fifteen years, hope to accomplish:

A. Owning our own business: a Bed and Breakfast

B. Owning a summer home

Continuous: Continuing to build on our retirement funds....

budget '06

earnings per year 28,080.00
earnings paycheck gross 1,170.00
net: varies

per pay period:

401k contributions: $144 (citibank)
roth contributions: $166.50 (sharebuilder)
brokerage contribtutions: $150 (sharebuilder)
fun account (short term)(ing direct) 150
fun account (long term) (hsbc) 100
e-savings

bills: (checking)

expenses:
car $80 (total $160)
gas $100 (total ($200)
cox cable $30 (total $60)
credit card $250 (monthly gas plus monthly leisure = $500 monthly limit)


semi-weekly gross 1170.00
taxes (@ 15%) -175.50
semi-weekly net 994.50

retirement savings 460.50
social leisure 300.00
necessaries 210.00
total $970.50

$994.50
-970.50
=$24.00 enter e-savings for misc emergency fund