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My Budget and Balancing By James Shirey
Carpentry • Carpentry position at Zaveta Custom Homes for interior and exterior construction • located in Doylestown, Pa 18901 • paid holidays and medical benefits • Some on the job training is done • I get paid $14.02 an hour and it is full time • My gross pay is $1121.60 bi-weekly • With taxes my net pay is $886.06 http://jobview.monster.com/CARPENTER-Job-Doylestown-PA-107568614.aspx
My Home • I have to live on 417 Rose Lane, Doylestown, PA 18901 • It is a mobile home • My payment per month would be $76.00 without taxes • My payment with taxes included would be $243 • It would cost me about $56 per month for home insurance too ($421.17 per month) • I would also have to pay $122.50 for utilities.
Working Budget • It would cost me about $100 a week for food • Clothing would cost me about $100 per month • I would need to buy a hunting license for $65.80 • $22 fishing license
Investments • I want to put $40 in for savings account a month • I would like to put in $10 in for retirement a month
Banking accounts • M&T banking • There is no fees for using the accounts
Truck • I would use my 1986 Dodge to get to work. • My insurance rate is $432 every 6 months. Which is $864 a year. • It would cost me a total of $331 per month
Chart • This chart shows my money being used for transportation, Banking, home, investments, and working budget.
Findings • I should spend money more wisely by choosing what is important • I could put more money away for retirement