What do you think the costs of attending prom are?
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1 Recordkeeping A C O S O B J E C T I V E A L G E B R A 1 : U S E A L G E B R A I C T E C H N I Q U E S T O M A K E F I N A N C I A L A N D E C O N O M I C D E C I S I O N S.
2 What do you think the costs of attending prom are?
3 In 2010, students (and their parents) spent on average nearly $800 per couple. Here is a list of expenses many expect to pay for their high school prom. Who Pays Item Price They pay Prom Tickets $90 He pays Tuxedo rental $85 He pays Hair Cut $15 He pays Flowers for date - corsage $28 He pays Gift or charm for date $28 He pays Dinner $60 She pays Dress, shoes, accessories $300 She pays Makeup, nails, tanning, hair $75 She pays Gift for date $15 She pays Flowers for date - boutonniere $15 They pay Post prom party tickets $75 How could you cut back the cost of prom? $786 per couple
4 What You ll Learn Section 3-1 Section 3-2 Section 3-3 Compute the average monthly expenditure. Use records of past expenditures to prepare a monthly budget sheet. Compare amount budgeted to actual expenditures. Why is budgeting your money important? A budget allows you to compare how much money you are spending and how much money you are earning. Stay out of debt by keeping your expenses less than your earnings.
5 Average Monthly Expenditures Recordkeeping - a way to manage your money Expenditures - the items you spend your money on. By keeping track of your monthly expenditures, you can find out how you have spent your money and how much money you need for living expenses. Budget sheet - where you record your expenses. Average Monthly Expenditure Sum of Monthly Expenditures # of Months
6 Example 1 Sue and Bob Miller keep records of their expenditures. They want to know how much they spend each month (on the average). Here are their records for three months. What is their average monthly expenditure? A. Find the sum of monthly expenditures B. Take the sum and divide by # of months.
7
8 Example 1 Answer: Compute the average monthly expenditure. A. Find the sum of monthly expenditures. $1, $1, $1, = $4, B. Divide the sum by the number of months. Sum of Monthly Expenditures Number of Months $4, = $1,356.81
9 Example 2: Use the same example and find the average monthly amount spent for the electric bill.
10 Example 2 Answer: Compute the average monthly expenditure. A. Find the sum of monthly expenditures. $ $ $51.42 = $ B. Divide the sum by the number of months. Sum of Monthly Expenditures Number of Months $ = $65.48
11 Preparing A Budget Sheet If you have records of your expenditures, you can use them to prepare your budget sheet. Living varies month to month, such as food costs, utility bills, pocket money Fixed - don t vary from month to month, such as rent Annual occur once a year, such as insurance premiums, real estate taxes Total Monthly Monthly Monthly Share Monthly Living Fixed of Annual
12 Example 3 The Millers use records of their past expenditures to complete the budget sheet on page 150. What is the total of their monthly expenses? Total Monthly Monthly Monthly Share Monthly Living Fixed of Annual Total Monthly $ $ $ $1,702.79
13 Example 4 Tanisha and Jared have monthly living expenses of $875.00, monthly fixed expenses of $1, and annual expenses of $4, After calculating the Browns monthly share of annual expenses, find their total monthly expenditures. Step 1: Find the monthly share of annual expenses. Annual 12 $4, Step 2: Add up the expenses. $ $ $1, $ = $2,315.30
14 Your Turn Find the total monthly expenses. Living: $846 Fixed: $1,560 Monthly share of annual expenses: $387 $2,438.25
15 Using a Budget Once you have completed a budget sheet outlining your past expenditures, you can use it to plan for future spending. expense summary - A monthly report that compares the amounts you spend to the amounts you have budgeted. emergency fund - Extra monies set aside to be used for unpredictable expenses, such as medical bills and vehicle repairs. Financial experts recommend that you have enough money in an emergency fund to cover expenses for 3 6 months. List a few surprise expenses that you might incur in a year.
16 Example 5 The Murrays electricity bill for July was budgeted for $88. They actually spent $124. How much more or less did they spend than they budgeted? $36 more
17 Your Turn The Zieglers entertainment expenses for August were budgeted for $110. They actually spent $ How much more or less did the Zieglers spend than they budgeted? $5.38 less
18 Analysis Why is it beneficial to write a budget? If your net pay is reduced to $1,000, what adjustments could you make to balance your budget? Would personal finance software help you maintain a budget? Explain.
19 You ve Got Make a list of annual expenses fixed expenses living expenses Ask family and friends about the average costs of these expenses.
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