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Note:
I want your feedback! If you like the
show, don't like it, are offended, want to ask a question, want to buy
the 'Sassy Southerner's Budgeting System...
send me and email. |
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How to download a
show?
right click on the link (in blue below) for the show you
want to download and select 'save target as', save it to
your desktop, listen and enjoy. |
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4/2/07- New EP01 - Give yourself and instant
raise!
Lets start at the beginning... What is a barebones budget? What is the minimum cost of living?
I am going to tell you how you can instantly give
yourself a raise. OOOOOOOOOOO! A teaser, I am not above
it. Visit the notes page to get the budget info I
talk about on the show.
Right
click here and select 'Save as' to download the excel
file. You can edit it yourself and adjust it for
your personal budget.
TBL - EP01new.mp3 Download
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AVERAGE BUDGET FIGURES |
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HOUSING |
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RENT/MORTGAGE |
700.00 |
LOW INCOME RENT AVERAGE |
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VEHICLE |
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CAR PAYMENT |
472.00 |
25K LOAN @ 5% $25,000 |
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CAR INSURANCE |
130.00 |
AVERAGE RATE FOR EARLY 20'S |
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GAS |
125.67
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1 TANK PER WEEK @ $29 |
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ESSENTIALS |
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GROCERIES |
400.00 |
1 PERSON +$200 FOR ADDITIONAL PER. |
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MED & DENT INS |
160.00 |
MAY GET LOWER THROUGH EMP. |
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UTILITIES |
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GAS & ELECTRIC |
155.00 |
AVG AMNT MAY NOT APPLY |
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WATER |
50.00 |
AVG AMNT MAY NOT APPLY |
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TELEPHONE |
35.00 |
AVG AMNT MAY NOT APPLY |
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SAVINGS |
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EMERGENCY FUND |
250.00 |
$50 CAR REP, $100 EMERG, 50 MISC, 50
CLOTHING |
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TOTAL BAREBONES |
2,227.67
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ANNUAL INC NEEDED |
35,642.67
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25% TAXES |
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HOURLY RATE NEEDED |
17.14
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ON 40 HR WORK WEEK |
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COMMON ADD-ONS |
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CABLE |
55.00 |
MINIMUM COST IN MOST CASES |
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CELL PHONE |
60.00 |
AVG AMOUNT |
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INTERNET |
30.00 |
AVG AMOUNT |
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TOTAL ADD-ONS |
145.00 |
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TOTAL WITH ADD-ONS |
2,372.67
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ANNUAL INC NEEDED |
37,962.67
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25% TAXES |
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HOURLY RATE NEEDED |
18.25
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ON 40 HR WORK WEEK |
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AVG INDIV INC |
25,035.00 |
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HOURLY RATE |
12.04
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ON 40 HR WORK WEEK |
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