Each Payment. Interest Rate. Total Payment $5000 Monthly 5 5% $94.36 $ $ $5000 Bi-Weekly 5 5% $5000 Monthly 3 5%
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1 WorkPlace Math 20 Finance/Budget Project DUE: Last day of regular classes Name: /45 Using the on-line calculators suggested, fill in the following charts: Loan Chart (5 marks) Use Use the PAYMENT tab in this section. (One example is given fill in the remaining empty boxes.) Loan Amount Frequency Term (years) Rate Each $5000 5% $94.36 $ $ $5000 Bi-Weekly 5 5% $5000 Monthly 3 5% Amount (5 marks) Use Use the PAYMENT tab in this section. (One example is given fill in the remaining empty boxes.) Under Product use the option Enter your own rate. Amortization Period (years) Frequency Term (years) Rate (per month) Amount Paid $300, % $ $276, $576, $300, % Retirement Chart (5 marks) Use (One example is given fill in the remaining empty boxes.) Number of Starting s Years Principal Rate per year Principal Future Value % $1000 $10000 $ $ % $ % $ % $
2 Budget Assignment Part 1: Your first budget (once you graduate) Follow the guidelines given to create a monthly budget. Your budget must include an income section as well as an expense section. Your expenses cannot exceed your total projected income. Since you are just beginning to work, you cannot budget more than what a $20 per hour job will pay you. You may use the Budget Chart provided to help you plan. Guidelines: You may not work for more than 50 hours per week. You may not work for more than 50 weeks per year (max is 52 in a year) Whatever you make in wages, you may only use 70% as incomes as the other 30% will be deducted for taxes and other expenses (CPP, EI, etc.) Gross 30% of Gross = you can spend (Net Pay) You must rent an apartment or condo unit and it must be a realistic amount ($150 per month is not acceptable) You must budget for all utilities to be paid by you and they are not allowed to be included in the rental of the apartment/condo for this assignment. You must assume that your parents will not pay for anything at all. If you already own a car, then you may use that vehicle, but you must budget for all the expenses of owning the vehicle (registration, gas, maintenance) If you do not own a car, then you must budget for transportation (bus, etc.) Your expenses must include groceries (food), water/sewage, phone, power, natural gas Your expense numbers must be reasonable (For example $50 per month for groceries is not reasonable.) You must budget for items that are not monthly (only pay once per year). You can divide the total by 12 to find out what you should be budgeting per month. Examples of these types of expenses are: o x-mas gifts o haircuts (maybe you only get 4 per year so you must divide the total spent on haircuts in a year by 12) o car registration (can be paid per month or once a year) o car insurance o one time purchases (furniture, etc.) o maintenance of rental unit There is no doubt that you will have to estimate a lot of the totals, but this exercise is to see if you have a good idea of what the big picture will be. You may ask your parents, your teachers, and even your classmates for their opinions on various amounts.
3 Monthly Income Section Job #1 Job #2 Other Inc Wage Hours/week Gross Pay 30% deduction Net Pay Income per week Income per month Monthly Expenses Section Items Budgeted Amount NOTE: Your total income must be greater than or equal to the expenses total. Expenses
4 Part 2: Scenario Budget (once you are married, with kids, with a home) Follow the guidelines given to create a monthly budget. Your budget must include an income section as well as an expense section. Your expenses cannot exceed your total projected income, so you will have to decide on what type of income you will need (1 income or 2 incomes if both parents work). Guidelines: You must be married. You must have at least one child (you decide on the ages) You can have a single income or dual income budget but be careful to only use your Net Pay (30% of Gross) as your useable income You must live in a home (Min of 200,000 mortgage and Max of 400,000) and all the costs of owning a home (repairs, etc.) You must include property taxes as an expense. You must own at least one vehicle and include the costs involved in owning a vehicle You must pay all utilities (water, power, gas, etc.) You must budget for child expenses specifically (extracurricular costs) You must budget for items that are not monthly (only pay once per year). You can divide the total by 12 to find out what you should be budgeting per month. See Part 1 for examples of this again. You must include some form of savings (for retirement) Marks for the 2 budgets: (30 marks) The Guidelines must be followed or marks will be deducted for those sections. Part 1: (14 marks) Neatness (2 marks) Budget Income (4 marks) (max of $20 per hr, 30% of Gross done properly) Budget Expense Items (4 marks) Budget Expense Amounts Accuracy (4 marks) Part 2: (16 marks) Neatness (2 marks) Budget Income (2 marks) (Net Pay used) Budget Expense Items (5 marks) Budget Expense Amounts Accuracy (5 marks) Balanced Budget Accuracy (2 marks)
5 Monthly Income Section Job #1 Job #2 Other Inc Wage Hours/week Gross Pay 30% deduction Net Pay Income per week Income per month Monthly Expenses Section Items Budgeted Amount NOTE: Your total income must be greater than or equal to the expenses total. Expenses
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