Local cost to rent, Eviction, Importance of credit when renting. Importance of credit when renting. Importance of credit when renting apartment
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1 Content Outline This content outline is designed to help you align s Life s with personal finance subject areas. For alignment with specific state curricula, see Specific Topic Number ) URL Internet 1.1 Local cost to rent, Eviction, renting Rent Eviction 1.3 renting Establishing Credit renting apartment Budgeting 2 Budgeting for planned expenses and for rainy day Social Security Medicare Effect of education on job salary Exposure to real salaries for those with high school diploma Taxes: State and local Learn about the taxes in your area Direct Deposit What are the benefits Gross income (pre-tax) and net income Difference between gross and net
2 Number ) URL Internet Automobile Fuel economy why.sl ATM Difference between a transfer and an expense education/banking/banking_9.l Choice of financial institution 4 4.extra education/banking/banking_9.l Food choices 5 Eating out can be expensive 5.1 Tip Cost everyday/tips_on_tipping. Restaurant costs: tip How to tip appropriately everyday/tips_on_tipping. 5.3 When else is tipping appropriate? everyday/tips_on_tipping. Grocery: Food spending Strategies for saving on groceries planner/launchpage.aspx Entertainment Costs Medical: Cost of care Entertainment on a budget Cost of care without insurance blog/2008/04/10/102085_free-ornearly-free-entertainment. l Insurance: Medical Benefits of medical insurance 8.3 Methods for obtaining medical insurance Debt What does debt mean? Credit Card The bill can only be paid with money you have. It has to come from somewhere. Consequences Consequences of late payment (late fees, dramatically higher interest rates, damaged credit history) Grace period Credit card grace period with no interest charged Choice of card 9 9.extra Choosing a credit card
3 Number ) URL Internet Parking ticket or violations 10 Parking ticket account: Bounce Bounced check and overdraft fee Account: Starting and keeping extra Getting and keeping a checking account documents/checking2.pdf Account: Overdraft fee Bounced checks and overdraft fees, protecting yourself release/ a.pdf Taxes: Paychecks Taxes withheld and taxes owed or tax refunds page/0,,id=14806,00.l ATM: Fees ATM fee for ATM not with my financial institution consumer/news/cnsprg98/atmfees. l Gas tax Learn about gas taxes in my area usgastaxes.asp Bank statement: reading a statement Timing of transactions as dated on the statement versus when purchase occurred. : Balancing your checkbook extra edu/documents/ HowtoBalanceYourCheckbook.pdf Taxes: Refunds Tax refunds and using them wisely com/personalfinance/experts/ practicalmoneymatters/ columns/ _tax_refund.php Grocery: Health and food quality Cheap vs. healthy, where is the balance? Publications/FoodPlans/MiscPubs/ FoodPlansRecipeBook.pdf Loan: Auto loan Interest calculated on a loan 18.2 Principal payment calculation consumer/autos/aut04.s consumer/autos/aut04.s
4 Number ) URL Internet Loan: Auto loan (consequences) Consequences of failure to pay Loan: Poor credit scores Consequences of poor credit score (expense and difficulty in new loans, insurance, apartment or home rental, job prospects) Loan: Understanding Vehicle Financing extra consumer/autos/aut04.s Job: Pay schedule What are the common pay schedules? Job: Calculating Witholdings extra Calculating paycheck witholdings for my area Debit Card Advantages and disadvantages of a debit card Debit vs. Credit extra Debit card vs. Credit card Food: Fast food Fast food choices (thinking of money and health) fast_food_nutrition. Paying bills: Utility Reducing utility costs consumer/tips/ Expenses Keeping a control on auto expenses (maintenance, public transportation, driving for better mileage, etc.) l Cell phone: Costs Costs of going over on your allotted minutes Cell phone: Billing extra How to read your cell phone bill Job: Forms of compensation Wage, commission, bonuses, overtime) US/Country=United_States/Salary Job: Salary expectations extra What level of sales tax will I pay on my purchases? sales.l
5 Number ) URL Internet Taxes: Sales tax What level of sales tax will I pay on my purchases? rate/sales.l sales.l Bank statement: Understanding the statement Understanding the transactions and balances present on the statement Identity Theft extra Understanding and protecting against identity theft fraud/websites/idtheft.l Insurance: Automobile Consequences of driving uninsured Why is it so extremely important that all drivers be insured? autoinsurance/ autoinsurance/ Food: Healthy habits Cost of poor health habits. Addictions and excess. headlines/inthenews/2007/nicotineaddictioncosts.l Credit Card: Interest Interest cost (for not paying off the full balance) Billing extra Guide to reading monthly credit card statement credit-cards/guide-to-reading-yourmonthlystatement-1.aspx
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