BUDGETING ACTIVITY SHEET Needs Vs. Wants
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- Garey York
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1 BUDGETING ACTIVITY SHEET Needs Vs. Wants You may have many things you want and need. This worksheet should help you think about which is which! I need Least important Most important I want
2 BUDGETING HANDOUT What If You Saved the Money Instead? Expenses Costing $25 - $30 Per Month Cost per month Large Pizza w/2 toppings (every two weeks) $24 Cable TV $30 Cell Phone $30 Six pack of beer every Friday night $24 Expenses Costing About $50 per Month Dinner out after every paycheck ($28 every 2 $56 weeks) Haircut/color at fancy salon ($70 every six $52.50 weeks) Taxi ride every Friday night ($12 per ride) $48 Expenses Costing about $100 per Month Lunch out ($5 every weekday) $100 Cigarettes (1 $4.00) $120 SAVINGS OVER 5 yrs. 10 yrs. 15 yrs. $ 1,800 $ 3,900 9,000 $3200 $7,000 $16,500 $ 6,500 $ 14,000 $32,900 Savings are assumed to be earning 3%, compounded monthly from the beginning of each period. Amounts are rounded for demonstration.
3 Rent Heat Utilities Telephone Cable Cell phone/pager Groceries Restaurant meals School meals Child care BUDGETING ACTIVITY SHEET Spending Plan Category Transportation (car payments, gas, T pass) Clothing Furnishings & household upkeep Personal needs (haircuts, makeup) Family recreation (movies, videos, games, etc.) Medical insurance/medicaid Other insurance (fire, life, rental, etc.) Debt Taxes Savings Gifts (holidays and birthdays) Other: Weekly Amount Monthly Amount TOTALS Monthly total x12 for Annual salary needs
4 BUDGETING HANDOUT Monthly Payment Schedule INCOME BILLS PAY OR DUE DATE AMOUNT DUE PAID?
5 BUDGETING HANDOUT My Money M.O. How much do you agree with the following statements? Rank each one from 0 (not like you at all!) to 6 (totally like you!). Try to use each number only once in a category, but use the 0 more than once if you need to. Then discuss the responses with your family. GENERAL a. Watching my savings grow gives me great pleasure. b. Wandering around stores puts me in a good mood. c. Making my own financial decisions makes me happy. d. Being free of rules and stereotypes is my dream. e. The more money I have the more I'll be able to do what I want. f. I work hard and I want to be valued for the work I do. SHOPPING a. I know a real deal when I see one because I shop around. b. I like everything I try on; it's hard not to buy it at all. c. Name brands fill my closets and drawers. d. I like to make my own fashion statements. e. When I go shopping, I buy something that will help me accomplish my goals; I buy with purpose. f. I go shopping to make myself feel good. EATING OUT a. When I eat out with others, everybody pays for their own food. b. I order whatever I want and like to leave big tips. c. I like to buy food for others because I have the money. d. I prefer paying my own way. e. I like to pay for others to impress them. f. Paying for others helps me feel good about myself. LIFESTYLE a. I spend money when I need something rather than when I want it. b. Spending now is definitely more important than saving for the future. c. Having things that I want is my goal. d. Things tend to drag me down so I don't own much. e. Saving money gives me the freedom to do things that cost money. f. Having things helps people know who I am. SAVING a. I have a secret stash of money just in case I need it. b. Saving money is hard for me. I always have something I want to spend it on. c. When I take charge of my money, I feel in control. d. Saving money is easy because I'd rather be doing things that don't cost a lot. e. The more money I have saved, the more options I have open to me. f. Having a large amount of savings makes me feel valuable. (Continued on Next Page)
6 MONEY M.O. (CONTINUED) GIFTS a. It's easier to give gifts to others than to buy them for myself. b. I love buying the perfect gift for someone. c. I buy expensive gifts because it means more. d. Homemade gifts have more meaning for me-- people think they are special. e. The gifts I give tell that person that I like them or that I want them to like me. f. The price of my gift earns me respect for being able to afford it. TOTAL You can review your profile at:
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