Evaluating Jobs Based on Wage
|
|
|
- Scott Harvey
- 5 years ago
- Views:
Transcription
1 Evaluating Jobs Based on Wage Objectives In this lesson you will: learn how to evaluate a job based on wages learn about income, expenses, and net cash flow calculate your acceptable wage range based on your monthly expenses create a monthly budget for yourself You are almost ready to start looking for a job now. Among other things, you have one important item to consider as you evaluate jobs: the amount of money you need to earn. Although many people get other rewards from working in addition to money, the major reason most people work is to earn a paycheck. You need to consider how much money you need to make before you can decide which jobs to apply for. If you need to earn $400 per week to pay your rent and support a family, you probably will not be able to work part time. If your family is helping to support you while you are going to school full time, you may need to earn only $100 per week. You can limit your search to part-time jobs that will allow more time to study. 1 Evaluating Jobs Based on Wage
2 Keeping a monthly budget is one way to keep track of your money. You will know how much you will need each month. A budget includes a list of all your income (the amount of money you have coming in) and your expenses (the amount of money you are paying out). To figure out how much you need to earn, first add up all your present sources of income for each month. Next, add up your expenses for each month. Subtract your total expenses from your total income to find out what your net cash flow is for each month. Net means the amount of money left over after subtracting expenses. So, your net cash flow is the amount of money you have available each month after you pay all your expenses. This money can be used for extra purchases if you like. More importantly, though, it can be put aside as savings. Many people find that they have a negative cash flow each month instead of a positive cash flow. This means that they pay out more money each month than they bring in. If this negative cash flow continues for too long, people s savings are used up. Once that happens, they will find themselves in debt owing money. Keeping a budget and watching your expenses helps you avoid this by keeping you informed about your finances. Only by knowing just how much you spend can you figure out how much you need to earn! To help you figure out your wage range the amount of money you must earn each pay period first complete the following budget worksheet activity. MASTERS Math for Living 2
3 Activity 1: Monthly Budget Worksheet If you have not begun to keep track of your monthly budget, now is the time to start. Without knowing how much money you need to earn, you have no way to make decisions about which jobs you can or should apply for. Recording your monthly income and expenses is a habit to develop and is easy to do. First, get a small notebook. Even a single sheet of paper will work. Carry the notebook or piece of paper in your purse or wallet at all times. Each time you spend money on anything, record the amount, the date, and the kind of purchase. At the end of the month, sort your expenses into the categories on the following worksheet (include additional categories if you wish) and add them up. Do the same with all your sources of income. Your income and expenses should balance. After a few months, you ll begin to see how much income is really necessary to provide for all your needs and wants. Keep in mind that your needs and wants will change over time. A job that may provide the income you need right now may not always suit your requirements. MONTHLY BALANCE SHEET Month/Year INCOME Wages (after taxes have been taken out) Loans Gifts Family Support Other TOTAL INCOME 3 Evaluating Jobs Based on Wage
4 EXPENSES Job Search (supplies, printing, postage, phone, travel expenses) Rent or Mortgage Groceries Utilities (electricity, heat, water, sewer, garbage, phone, etc.) Public Transportation (bus pass, subway, taxi, parking, inc.) Auto (car payments, insurance, gas, maintenance, registration, etc.) Health Costs (insurance, medical, dental, and vision care) Credit Card Payments Other Loan Payments Clothing (dry cleaning, laundry, jewelry and other accessories) Personal Grooming (hair cuts, etc.) Household (furniture, bedding, towels, paint, repairs, etc.) Education (tuition, books, supplies) Recreation/Entertainment Vacation/Travel Gifts SAVINGS (not really an expense because you still have the money, but it is money you set aside and do not spend, so you should treat it as an expense. Get in the habit of saving something every month!) TOTAL EXPENSES Total Income Minus Total Expenses Equals NET CASH FLOW = Once you know what your expenses are going to be, you can figure out the wage range you can accept. Many jobs are paid by the week. Let us learn how to calculate your weekly wage range. Since there are about four weeks in a month, calculate your weekly pay requirement by dividing your monthly expenses by four. For example, if you find that you need $800 per month to cover your expenses, you will need to earn at least $200 per week take-home pay (the MASTERS Math for Living 4
5 amount of money you are paid after taxes are taken out). You will actually need to be paid enough to cover your expenses plus the taxes that will be taken out of your paycheck. If $200 per week is the minimum you must earn, that amount is the lower end of your wage range. But, you really should set aside some money each month as savings! Savings are important for two reasons. First, you need to put aside money each month toward things you need to buy in the future (such as a car or tuition for school). Second, you need to have extra money each month in case of emergency (such as injury, illness or getting laid off). When you include the amount of money you would like to save each month in your total calculations, you have the higher end of your wage range. If you want to save enough money to pay $1200 in college tuition one year from now, divide $1200 by 12 months (the number of months in a year). Your answer is $100 per month, right? So that means you would need to save $100 per month, or $25 per week ($100 divided by 4), for your tuition next year. If you add $25 per week to $200 per week in expenses, your total is $225 per week. This amount will cover your expenses plus your savings for college, but you might want to add a bit more for emergencies. Let us say another $20 per week. That brings the higher end of your wage range to $245 per week, or $980 per month ($245 x 4). So, the wage range you can accept right now is between $200 and $245 per week. Getting paid more than that is just great, but getting paid less than that is unacceptable. Remember that the lower end of your wage range will only cover expenses. You will want to find out if the number of work hours or pay will increase in the future if you accept a job offer at the lower end of your wage range. Confused? Let us review: Lower End of Wage Range = Enough take-home pay to cover expenses Higher End of Wage Range = Enough take-home pay to cover expenses + savings Evaluating Jobs Based on Wage 5
6 Activity 2: Calculating your wage range Directions: Once you ve completed the budget worksheet, it is easy to calculate your wage range. Use the savings and expenses information you have already recorded in Activity 1. Then, just follow the steps below Weekly Expenses = Lower End of Weekly Wage Range (take-home pay) $ divided by 4 = $ (monthly expenses) (weekly expenses) Weekly Expenses + Weekly Savings = Higher End of Weekly Wage Range (take-home pay) $ divided by 4 = $ (monthly savings) (weekly savings) Weekly Expenses = $ + Weekly Savings = $ Higher End of Weekly Wage Range = $. WEEKLY WAGE RANGE Between $ (lower end) and $ (higher end). End of Lesson MASTERS Math for Living 6
SUZEORMAN.COM. Exercise: My Monthly Expenses. Instructions:
Exercise: My Monthly Expenses Instructions: 1. Go through your records and receipts for the last complete calendar year. This includes all checks, all credit-card charges, and all ATM withdrawals and cash
DOMESTIC RELATIONS FINANCIAL AFFIDAVIT
IN THE SUPERIOR COURT OF CLAYTON COUNTY STATE OF GEORGIA vs. Plaintiff,,, Defendant. Civil Action Case Number DOMESTIC RELATIONS FINANCIAL AFFIDAVIT (1) Your Name: Your Age: Spouse s Name: Spouse s Age:
Financial Fitness Planner
Financial Fitness Planner The Financial Fitness Planner is a guide to help you take control of your finances. It will help you to monitor your cash flow. A sound spending and savings plan is the foundation
COUNTY SUPERIOR COURT STATE OF GEORGIA DOMESTIC RELATIONS FINANCIAL AFFIDAVIT
COUNTY SUPERIOR COURT STATE OF GEORGIA vs. Plaintiff, Defendant.,, Civil Action Case Number DOMESTIC RELATIONS FINANCIAL AFFIDAVIT (1) Your Name: Your Age: Spouse s Name: Spouse s Age: Date of Marriage:
In the Superior Court of County, Georgia. In re (Child(ren)): ) ) ), Petitioner ) ) vs. ) Civil Action No. ), Respondent ) )
In the Superior Court of County, Georgia In re (Child(ren:, Petitioner vs. Civil Action No., Respondent DOMESTIC RELATIONS FINANCIAL AFFIDAVIT 1. AFFIANT S NAME (your name: Age Opposing Party s Name: _
CURRENT INCOME: PART 1
CURRENT INCOME: PART 1 This section deals with your household income. If you are married, information MUST be provided for both spouses, even if only one person is filing. Please provide the husband s
BALANCED MONEY WORKBOOK
BALANCED MONEY WORKBOOK 2 Why live in balance? Welcome to the balanced money approach to budgeting! Balance is a concept we hear a lot about eat a balanced diet, keep balance between work and the rest
Chapter 1: How to Make and Stick to a Budget
Chapter 1: How to Make and Stick to a Budget How to Make and Stick to a Budget What s the first thing you think of when you hear the word budget? If you re like most people, you think of saving money and
In the Superior Court of County, Georgia. ), Petitioner ) ) vs. ) Civil Action No. ), Respondent ) ) DOMESTIC RELATIONS FINANCIAL AFFIDAVIT
In the Superior Court of County, Georgia, Petitioner vs. Civil Action No., Respondent DOMESTIC RELATIONS FINANCIAL AFFIDAVIT 1. AFFIANT S NAME (your name: Age Spouse s Name: _ Age Date of Marriage: Date
Financial Literacy. Budgeting
Financial Literacy Budgeting ACTIVITY SHEET 3-1 The B word budget 1 What do you think about when you hear the word budget? What words or feelings come to mind? Write down any other ideas the group came
888-ADMIT-IT. Dealing with Money. Gambling is often about Money, Action, and Feelings
FCCG 888-ADMIT-IT Dealing with Money Gambling is often about Money, Action, and Feelings Money & Recovery Money plays an important role in recovery. Renew. Restore. Rebuild. Learn how to have a healthy
Part 1: Retirement Income Estimation Worksheet:
Retirement Cash Flow Worksheet and Budget Date: Name: Part 1: Retirement Income Estimation Worksheet: Annual Income $ CPI Indexed? Continued Employment of Spouse... (Until Age: ) Part Time Employment...
Managing Your Money NET WORTH CASH FLOW CREATING A BUDGET
MONEY What You Should Know About... Managing Your Money NET WORTH CASH FLOW CREATING A BUDGET YourMoneyCounts You probably realize that managing your money is a good idea, but you might also figure if
USE THIS GUIDE AND LEARN HOW TO
AT HOME GUIDE USE THIS GUIDE AND LEARN HOW TO > Understand your current financial situation > Track your spending > Make tough decisions > Develop a monthly budget > Start saving for the future TABLE OF
HOW TO MAKE YOUR MONEY GO FURTHER
HOW TO MAKE YOUR MONEY GO FURTHER Publication 354-028 Revised 2003 How to Make Your Money Go Further Introduction What have you got to show for the money you make each month? Do you have good health,
FINANCIAL PLANNING AND GOAL SET TING
FINANCIAL PLANNING AND GOAL SET TING OUR PURPOSE The purpose of The USAA Educational Foundation is to lead and inspire actions that improve financial readiness for the military and local community. TABLE
IN THE SUPERIOR COURT OF CHEROKEE COUNTY STATE OF GEORGIA DOMESTIC RELATIONS FINANCIAL AFFIDAVIT
IN THE SUPERIOR COURT OF CHEROKEE COUNTY STATE OF GEORGIA, ) ) Plaintiff, ) ) CIVIL ACTION FILE NO. vs. ) ), ) ) Defendant. ) DOMESTIC RELATIONS FINANCIAL AFFIDAVIT 1. AFFIANT S NAME Age Spouse s Name
What to do with the Tool Kit Components of the Tool Kit
AHFC is dedicated to helping families succeed! As you participate in an AHFC housing assistance program and work toward housing stability and economic self-sufficiency, AHFC would like to support you through
LEARNING TASKS These tasks match pages in Student Guide 1.
STUDENT LEARNING PLAN Lesson 1-4: Spending Plan OVERVIEW You've analyzed what you've been spending money on and set some SMART goals to strive for. Now, the rubber meets the road and it's time to start
The Dragons Den Business School Business Plan and Strategy for The Real Estate Investment Entrepreneur
The Dragons Den Business School Business Plan and Strategy for The Real Estate Investment Entrepreneur NAME: DATE: The FIVE (5) Questions To Getting Started: 1. What specific and measurable result would
Steps to Successful Money Management
Steps to Successful Money Management How you spend your money today determines what you have 6 months from now, a year from now, 5 years from now, or in your lifetime. You control your financial destiny.
IN THE SUPERIOR COURT OF HOUSTON COUNTY, GEORGIA DOMESTIC RELATIONS FINANCIAL AFFIDAVIT OF PLAINTIFF. 1. AFFIANT S NAME: Age.
IN THE SUPERIOR COURT OF HOUSTON COUNTY, GEORGIA, Plaintiff vs. Civil Action No., Defendant DOMESTIC RELATIONS FINANCIAL AFFIDAVIT OF PLAINTIFF 1. AFFIANT S NAME: Age Spouse s Name: Age Date of Marriage:
Monthly Cash Flow Exercise
Name Monthly Cash Flow Exercise Directions: Use the following scenario cards to fill out the Monthly Cash Flow Statement Worksheet on the next page. Each of the items should be recorded in the appropriate
Managing Your Money: A Family Plan
Managing Your Money: A Family Plan Managing Your Money: A Family Plan Everyone wants enough money to live on. Many people feel they need more. Use money to help get what you want by the following: making
IN THE SUPERIOR COURT OF FLOYD COUNTY, STATE OF GEORGIA
IN THE SUPERIOR COURT OF FLOYD COUNTY, STATE OF GEORGIA _, ) Plaintiff / Petitioner, ) ) CIVIL ACTION FILE v. ) ) No., ) Defendant / Respondent. ) ) DOMESTIC RELATIONS FINANCIAL AFFIDAVIT 1. AFFIANT S
Monthly Expenses Worksheet
Monthly Expenses Worksheet Education Rent or mortgage $ Tuition $ Heating (gas or oil) $ Books, papers and supplies $ Electricity $ Newspapers and magazines $ Water or sewage $ Lessons (sports, dance,
Form 72J APPENDIX OF FORMS FORM 72J FINANCIAL STATEMENT (FORM 72J) (Court, Court File Number, Style of Proceeding) FINANCIAL STATEMENT (FORM 72J)
APPENDIX OF FORMS FORM 72J FINANCIAL STATEMENT (FORM 72J) (Court, Court File Number, Style of Proceeding) FINANCIAL STATEMENT (FORM 72J) Financial statement of: I hereby make oath (or solemn affirmation)
IN THE SUPERIOR COURT OF STATE OF GEORGIA., Plaintiff, v., CIVIL ACTION Defendant. FILE NO. DOMESTIC RELATIONS FINANCIAL AFFIDAVIT
IN THE SUPERIOR COURT OF STATE OF GEORGIA COUNTY, Plaintiff, v., CIVIL ACTION Defendant. FILE NO. DOMESTIC RELATIONS FINANCIAL AFFIDAVIT 1. AFFIANT S NAME: Ag e Spouse s Name: Ag e Date of Marriage: Date
DOMESTIC RELATIONS FINANCIAL AFFIDAVIT
DOMESTIC RELATIONS FINANCIAL AFFIDAVIT At the time of filing any action for temporary or permanent child support, alimony, equitable division of property, modification of child support or alimony or attorneys
An interactive game designed to familiarize students with the personal finance management issues they are beginning to face as young adults Features
An interactive game designed to familiarize students with the personal finance management issues they are beginning to face as young adults Features financial questions throughout the game Like football,
Budgeting 101. Introduction
Budgeting 101 This series of lessons was designed to meet the needs of gifted children for extension beyond the standard curriculum with the greatest ease of use for the educator. The lessons may be given
State of Georgia., Plaintiff., Defendant AFFIDAVIT AND MOTION TO PROCEED IN FORMA PAUPERIS
In the Superior Court of State of Georgia County, Georgia vs., Plaintiff, Defendant Civil Action File No. AFFIDAVIT AND MOTION TO PROCEED IN FORMA PAUPERIS I,, the undersigned, having been duly sworn,
In the Superior Court of County, Georgia. 1. AFFIANT S NAME: Age. Spouse s Name:
In the Superior Court of County, Georgia, Plaintiff vs. Civil Action No., Defendant TIC FINANCIAL RELATIONS AFFIDAVIT FINANCIAL AFFIDAVIT 1. AFFIANT S NAME: Age Spouse s Name: Age Names and birth dates
FAMILY LAW FINANCIAL AFFIDAVIT (LONG FORM)
IN THE CIRCUIT COURT OF THE IN AND FOR JUDICIAL CIRCUIT, COUNTY, FLORIDA, Petitioner, Case No.: Division: and, Respondent. FAMILY LAW FINANCIAL AFFIDAVIT (LONG FORM) ($50,000 or more Individual Gross Annual
DOMESTIC RELATIONS FINANCIAL AFFIDAVIT. 1. AFFIANT S NAME: Age Spouse s Name: Dates of Marriage: Date of Separation:
In the Superior Court of County, Georgia, Plaintiff vs. Civil Action No., Defendant DOMESTIC RELATIONS FINANCIAL AFFIDAVIT 1. AFFIANT S NAME: Age Spouse s Name: Age Dates of Marriage: Date of Separation:
24.2. Financial data required; scheduling and notice of temporary hearing.
24.2. Financial data required; scheduling and notice of temporary hearing. At the time of filing any action for temporary or permanent child support, alimony, equitable division of property, modification
The Massachusetts Homeownership Collaborative
The Massachusetts Homeownership Collaborative HOMEBUYER COUNSELING CORE CURRICULUM Section Objectives: To emphasize the importance of budgeting in the homebuying process To assist participants in developing
Figure 1 Figure 2 Assets and Liabilities Inventory CAsh Cash on hand Checking account balance Savings account balance Certificates of deposit Money market account balance Credit union account balance Money
INSTRUCTIONS FOR FLORIDA FAMILY LAW RULE OF PROCEDURE FORM (c), FAMILY LAW FINANCIAL AFFIDAVIT (LONG FORM)(09/12) Instructions
INSTRUCTIONS FOR FLORIDA FAMILY LAW RULE OF PROCEDURE FORM 12.902(c), FAMILY LAW FINANCIAL AFFIDAVIT (LONG FORM)(09/12) Instructions YOU DO NOT NEED TO FILL OUT THIS FORM IF YOU WORK WITH DIVORCE AND MEDIATION
UNIFORM SUPERIOR COURT RULE 24.2 DOMESTIC RELATIONS FINANCIAL AFFIDAVIT
UNIFORM SUPERIOR COURT RULE 24.2 DOMESTIC RELATIONS FINANCIAL AFFIDAVIT Except as noted below, at the time of filing any action for temporary or permanent child support, alimony, equitable division of
Module 3 - Budgeting ACTIVITY SHEET 3-1. Write down any other ideas the group came up with, especially ideas that fit your situation.
ParticipantHandbook ACTIVITY SHEET 3-1 The B word budget 1 Write down any other ideas the group came up with, especially ideas that fit your situation. What is a budget? Why budget? A way to keep track
Making the Most of Your Money
Making the Most of Your Money A Handbook for Young Adults Table of Contents Let s start from the beginning:.....................1 Creating a budget:.............................. 2 Budget Worksheet:.............................
, ) ) AFFIDAVIT OF FINANCIAL STANDING ) OF VS. ) (Name) ), ) Defendant. )
STATE OF NORTH CAROLINA COUNTY OF IREDELL IN THE GENERAL COURT OF JUSTICE DISTRICT COURT DIVISION FILE NO.:, ) Plaintiff, ) AFFIDAVIT OF FINANCIAL STANDING ) OF VS. ) (Name) ), ) Defendant. ) The Affiant,
FAMILY LAW FINANCIAL AFFIDAVIT
IN THE CIRCUIT COURT OF THE IN AND FOR JUDICIAL CIRCUIT, COUNTY, FLORIDA, Petitioner, Case No.: Division: and, Respondent. FAMILY LAW FINANCIAL AFFIDAVIT ($50,000 or more Individual Gross Annual Income)
DOMESTIC RELATIONS FINANCIAL AFFIDAVIT - DIVORCE. Date of Separation:
IN THE SUPERIOR COURT OF COUNTY Plaintiff, vs. Defendant. Civil Action No. DOMESTIC RELATIONS FINANCIAL AFFIDAVIT - DIVORCE 1. AFFIANT'S NAME: Spouse s Name: Age: Age: Date of Marriage: Date of Separation:
Follow the Money.
Follow the Money One of the simplest but most powerful money making ideas is this: Keep a daily log of everything you spend. Go to the dime store and buy a little notebook. Carry it with you wherever you
Worksheet and Example How Much House Can I Afford?
Worksheet and Example How Much House Can I Afford? Instructions: Just follow along with each line of the worksheet and the associated instructions, filling in and calculating the values as instructed.
GAMBLERS ANONYMOUS PRESSURE RELIEF WORKBOOK
GAMBLERS ANONYMOUS PRESSURE RELIEF WORKBOOK 1 DISCLAIMER Gamblers Anonymous and the Pressure Relief Group Meeting provide guidance to a member for managing his/her financial affairs based on the experiences
National PASS Center April Income and Expenses
Objectives In this lesson you will: calculate monthly income look at common types of monthly expenses explain the difference between a need and a want A budget is a plan for spending money. Having a budget
2017 DollarWise Summer Youth Contest Final Quiz Study Guide
2017 DollarWise Summer Youth Contest Final Quiz Study Guide The DollarWise Summer Youth Contest Final Exam questions are designed to test your full knowledge of the information provided in the contest.
Pre-Discharge Debtor Education Material
Pre-Discharge Debtor Education Material This workbook has been designed as a companion to the Pre-Discharge Financial Education Course offered by Debt Education and Certification Foundation. As you participate
ORGANIZER FOR 2018 TAXES
Gerald Hersh EA Page 1 800 Main St Amherst MA 01002 Tel: (413) 256-1663 Fax: (413) 256-1665 Email: gerrystaxhelp@aol.com website: www.amhersttaxpreparation.com ORGANIZER FOR 2018 TAXES Name Social Security
Your Retirement Lifestyle Workbook
Your Retirement Lifestyle Workbook Purpose of This Workbook and Helpful Checklist This lifestyle workbook is designed to help you collect and organize the information needed to develop your Retirement
RETIREMENT PLANNING TOOLKIT
RETIREMENT PLANNING TOOLKIT ORGANIZE YOUR FINANCES AND VISUALIZE A LIFESTYLE OF FREEDOM Our Planning Great Retirements Toolkit will help you organize your finances and visualize your retirement. You ll
Financial Literacy Money Trek Program Module 1: Workbook Introduction to Money Management AAUW California Financial Literacy Committee
Financial Literacy Money Trek Program Module 1: Workbook Introduction to Money Management AAUW California Financial Literacy Committee 1 Module 1: Introduction to Money Management Discussion What are the
YOUR GUIDE TO HEALTHY FINANCES GET YOUR FINANCES IN SHAPE
YOUR GUIDE TO HEALTHY FINANCES GET YOUR FINANCES IN SHAPE GETTING YOUR FINANCES UNDER CONTROL NEEDN T BE A HEADACHE Help is at hand with these easy-to-follow tips for getting your finances in shape. Whether
Your money goals. Choosing a goal
Choosing a goal 01 Your money goals Next, think about a money goal that you most want to pursue towards that dream. Write down some ideas on how you could start working towards them. My money goal is:
Budgeting: 101 Financial Literacy Program
Program Schedule Budgeting: 101 Financial Literacy Program Introduction: 5 minutes Introduce yourself - Name, company, mention that you are a CPA. Ask the students - What does CPA stand for? Briefly explain
WORKSITE. Worksheet 1: Personal Balance Sheet. Taking Control of Your Finances: A Plan to Reduce Debt and Build Savings FINANCIAL SOLUTIONS
WORKSITE FINANCIAL SOLUTIONS Taking Control of Your Finances: A Plan to Reduce Debt and Build Savings Worksheet 1: Personal Balance Sheet Liquid Assets Balance Liabilities Interest Rate Balance Monthly
Financial Disclosure Statement of Plaintiff Defendant
TYPE or PRINT in ink STATE OF MICHIGAN, 44th CIRCUIT COURT Note: File with FOC only! For Official Use Enter the name of the plaintiff. Plaintiff: First name Middle name Last name Enter the name of the
budget fixed expense flexible expense
How do I make my income cover my expenses? Chapter 24 Key Terms budget fixed expense flexible expense Chapter Objectives After studying this chapter, you will be able to identify sources of income. list
SUPREME COURT OF YUKON FINANCIAL STATEMENT. FINANCIAL STATEMENT OF (Plaintiff/Defendant) I,, of the of,
Form 94 (Rule 63A (1) ) S.C. NO: SUPREME COURT OF YUKON Between: Plaintiff and Defendant FINANCIAL STATEMENT FINANCIAL STATEMENT OF _ (Plaintiff/Defendant) I,, of the of, in Yukon, SWEAR (or AFFIRM) THAT:
CHRISTOPHER J. TAMMS 5 West Main Street Westerville, Ohio Phone: (614) Fax: (614)
CHRISTOPHER J. TAMMS 5 West Main Street Westerville, Ohio 43081 Phone: (614) 859-9529 Fax: (614) 567-0031 chris.tamms@gmail.com www.tammslaw.com CLIENT INFORMATION- Full Legal Addresses where you lived
DRESSLER & DRESSLER Attorneys at Law 110 Dixie Lane Cocoa Beach, FL (321)
DRESSLER & DRESSLER Attorneys at Law 110 Dixie Lane Cocoa Beach, FL 3231 (321) 783-2714 INSTRUCTIONS FOR FLORIDA FAMILY LAW FINANCIAL AFFIDAVIT FAMILY LAW RULES OF PROCEDURE FORM 12.02(c) (LONG FORM -
Eight Simple Steps for Balancing your Checkbook
If Transactions Don t Match Check for one of three errors: 1. The item was recorded incorrectly in your checkbook register, 2. The item paid or was credited to your account for the wrong amount, or 3.
Money Management Planner
Money Management Planner The Money Management Planner is a guide to help you take control of your finances. It will help you determine your net worth, set goals, monitor your cash flow and track expenses.
Balancing Multiple Financial Goals Worksheet
Balancing Multiple Financial Goals Worksheet Juggling financial goals like saving for retirement, emergencies, and a vacation all while repaying debt can be tricky. It s tough to know which of these goals
How To Create a Budget
How To Create a Budget By Jeremy Vohwinkle, About.com Guide Creating a budget may not sound like the most exciting thing in the world to do, but it is vital in keeping your financial house in order. Before
FINANCIAL. 1. My information. Name of the person completing this Form (First Middle Last): Date this Form was completed (YYYY/MM/DD):
FINANCIAL INFORMATION Form I 1. My information Name of the person completing this Form (First Middle Last): Date this Form was completed : My financial circumstances My total annual income (before tax
Introduction. Purpose. Student Introductions. Objectives (Continued) Objectives
Introduction Instructor and student introductions Module overview Borrowing Basics 1 Borrowing Basics 2 Your name Student Introductions Expectations, questions, and concerns about borrowing money Purpose
DOMESTIC RELATIONS FINANCIAL AFFIDAVIT
IN THE SUPERIOR COURT OF COUNTY STATE OF GEORGIA vs. Plaintiff, CIVIL ACTION FILE NO. Defendant. DOMESTIC RELATIONS FINANCIAL AFFIDAVIT You are required to make to the Court, under oath, a FULL DISCLOSURE
and Financial Disclosure Statement of:
PRINT in BLACK ink Enter the name of the county in which this case is filed. STATE OF WISCONSIN, CIRCUIT COURT, COUNTY For Official Use Enter the name of the petitioner. If joint petitioners, enter the
Name Social Security#: Spouse: Social Security#: Address: City/State: Zip: Alternate mailing address: Home Phone: ( ) Work Phone: ( ) Cell: ( )
DEBTOR QUESTIONNAIRE You may print this out and bring it with you to the appointment. Please Answer these questions to the best of your information and belief. Short and general answers are sufficient.
Like the federal government, individual consumers must manage their money. In this section, you will learn about budgeting and saving money.
Budgeting Section 1 Like the federal government, individual consumers must manage their money. In this section, you will learn about budgeting and saving money. Vocabulary discretionary expense: an expense
Family Living Account Book WASHINGTON STATE UNIVERSITY EXTENSION EB0544
Family Living Account Book WASHINGTON STATE UNIVERSITY EXTENSION EB0544 WHY KEEP AN ACCOUNT BOOK? To evaluate spending habits To use as a guide in planning future spending To use in filing income tax
2010 Visa Inc., All Rights Reserved
2010 Visa Inc., All Rights Reserved Why Money Skills Are Important Create Independence Set and reach goals Enjoy living responsibly within your means Prepare you for your future after college Developing
Expenses ACCOUNTING FEES EXPENSE ADVERTISING EXPENSE AUTOMOBILE EXPENSE
Expenses The majority of Consultants will be using the Quick Method of paying HST/GST, so expenses should be entered into the manual including HST/GST. If you are using the Long Method for remitting HST/GST,
The Build-a- BudgeT Book
The Build-a- Budget Book The Build-a-Budget Book County Stamp Prepared by Marilyn Furry, associate professor of financial education and literacy programs, and Judith Ikenberry, former program assistant
ALL INFORMATION MUST BE FILLED OUT IF NOT APPLICABLE, PLEASE NOTE N/A DO NOT LEAVE ANY INFORMATION BLANK. First Name Full Middle Name Last Name Suffix
ALL INFORMATION MUST BE FILLED OUT IF NOT APPLICABLE, PLEASE NOTE N/A DO NOT LEAVE ANY INFORMATION BLANK First Name Full Middle Name Last Name Suffix Spouse First Name Full Middle Name Last Name Maiden
YOU RE. WORTH MORE with. Your Guide to Financial Success
YOU RE WORTH MORE with Your Guide to Financial Success FOR EVERY DAY. FOR EVERY THING. Questions? Visit www.americu.org, stop by your local AmeriCU Financial Center, or call our Member Service Center at
Simple Steps To Financial Wellness Consumer Alert!
The SPENDING PLAN: Simple Steps To Financial Wellness Consumer Alert! 1-888-995-7856 Did you know: 43% of American families spend more than they earn. On average, Americans spend 1.22 for every dollar
Budgets and Cash Flows
Select Portfolio Management, Inc 26800 Aliso Viejo Parkway Suite 150 Aliso Viejo, CA 92656 949-975-7900 800-445-9822 info@selectportfolio.com www.selectportfolio.com Budgets and Cash Flows Page 1 of 9,
Presented by Dr. Rebecca Neumann for Academic Staff
April 21, 2017 Presented by Dr. Rebecca Neumann for Academic Staff University of Wisconsin Milwaukee Mind your Money, Mind your Future Goals for today: Basic money management skills Tracking expenses Budgeting
Student Activities. Lesson Nine. In Trouble 04/09
Student Activities $ Lesson Nine In Trouble 04/09 name: date: test your knowledge of trouble The following questions are designed to test what you ve just learned about dealing with financial woes. directions
PRIMARY APPLICATION ACT 91 MORTGAGE ASSISTANCE
PRIMARY APPLICATION ACT 91 MORTGAGE ASSISTANCE Applicant (Last) (First) Social Security Number Co-Applicant (Last) (First) Social Security Number Primary Address Property being foreclosed on (if different
Personal Financial Literacy
Personal Financial Literacy 7 Unit Overview Being financially literate means taking responsibility for learning how to calculate income taxes on wages and how to create a budget to plan your spending and
What Does It Mean To File For Personal Bankruptcy?
Thank you for contacting our office to ask about personal bankruptcy. The following are some answers to many of the questions people have about the process of bankruptcy. Bankruptcy is complex and the
o A copy of your most recent whole life insurance statement, HSA account statement and/or any other financial account.
Jill Collins, P.C. What to Bring Checklist o For each piece of Real Estate you are purchasing or in which you have an interest: your most recent mortgage statement(s). o For each Vehicle, Boat, Jet Ski,
Building a Spending Plan: All Six Steps 1
FCS7173 1 Nayda I. Torres, Josephine Turner, and Brenda C. Williams 2 This publication collects all six steps of the Building a Spending Plan series in one document. For individual publications in the
Power Down Debt 384 Montague City Road Montague City, MA 01376
Power Down Debt 384 Montague City Road Montague City, MA 01376 Phone: 413-774-5555 Fax: 866-733-4057 Finally, a Painless, Fail-proof Budget Ask yourself how much money you need monthly? I bet you began
The Art of Budgeting
Student Activities $ Lesson Three The Art of Budgeting 04/09 name: date: what are your goals? directions List some of your educational, social, financial, family, health/physical, and recreational goals.
Schedule J: Your Expenses 12/13
Fill in this information to identify your case: Debtor 1 Debtor 2 (Spouse, if filing) United States Bankruptcy Court for the: District of (State) Case number _ (If known) Check if this is an amended filing
A free publication provided by. Consolidated Credit Counseling Services, Inc.TM
Consolidated Credit Counseling Services, Inc. 5701 W. Sunrise Blvd., Fort Lauderdale, FL 33313 1-800-SAVE-ME-2 1-800-728-3632 www.consolidatedcredit.org A free publication provided by Consolidated Credit
Making a budget: resource A
Making a budget: resource A Resource A Sara is married to Adam and they have three children who are all at primary school. Adam works as a postal delivery worker and gets 1,266 take home pay per month.
Well Being, Well Done
Well Being, Well Done A Project of the Sudden Money Institute Well Being: A profound state of being found at the intersection of Life and Money. You can have it before you have accumulated large amounts
Budgeting Essentials
Budgeting Essentials One of the greatest satisfactions in life is having a sense of control over your finances. Through careful planning and use of money management techniques that anyone can learn, you
Managing Your Money Everyone wants enough money to live on. Many people feel they need more. Use money to help get what you want by: 0 making plans 0
MANAGING 4 A ONEY llll Hf f. YOUR, a family plan Reprinted from the Division of Home Economics, Federal Extension Service, U. S. Department of Agriculture publication of March 1964 as HE-70. Available
MONEY. Of course, going to college means. Managing Your Money CHAPTER 3. Watching everyday spending
CHAPTER 3 Managing Your Money MONEY Of course, going to college means attending classes, writing papers, and taking exams. But making money choices also is an important part of your college life. Good
Budgeting Your Way to a Better Tomorrow
Budgeting Your Way to a Better Tomorrow Money makes the world go round, and budgeting can get you further around that world. To be a successful money manager you must know how to budget. Here at Texas
What are the advantages of a housing allowance? 1. All the expenses for housing except food and maid service are nontaxable.
Ministers' Compensation & Housing Allowance What are the advantages of a housing allowance? 1. All the expenses for housing except food and maid service are nontaxable. 2. Everything except food and maid