Ways to Categorize Expenses
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- Dortha Briggs
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1 7.1 Ways to Categorize Expenses Fixed Expenses Spending that remains the same from month to month. Examples: Rent or mortgage payments Car payments Variable Expenses Spending that changes from month to month. Examples: Cell phone bill Gas for the car Food purchased at restaurants Occasional or Periodic Expenses Expenses that occur once or a few times a year. Examples: Medical/dental check-ups Property taxes Car maintenance Planned Expenses Spending you expect, and for which you plan. Examples: New clothing Friday night movie and ice cream Dues for a fitness club Unplanned Expenses Spending for an emergency, an urgent need, or an impulse purchase. Examples: Car repairs resulting from an accident Visit to a doctor for a sprained ankle or appendectomy Donation to a collection for victims of an earthquake 62
2 VISUAL Case Study A Answers to Exercise Lauren earns $51,300 annually She earns $4,275 monthly Contribution to retirement plan $240 Rent/home mortgage 780 Utilities 340 Phone/cable/Internet 180 Food/groceries 300 Car payment 660 Insurance (car/rental/home) 188 Transportation, incl. gas 168 Charity 92 Clothes 66 Loan payments 540 Entertainment 240 Services (cleaning, hair stylist) 180 Other 166 Total Monthly Expenses $4,140 Did Lauren spend more or less than she earned? LESS By how much? $135 63
3 Answers to Exercise Case Study B Brian s annual income is $42,000 His monthly income is $3,500 Contribution to retirement plan $222 Rent/home mortgage 870 Utilities 288 Phone/cable/Internet 210 Food/groceries 290 Car payment 438 Insurance (car/rental/home) 178 Transportation, incl. gas 105 Charity 107 Clothes 138 Loan payments 368 Entertainment 180 Services 150 Other 222 Total Monthly Expenses $3,766 Did Brian spend more or less than he earned? MORE By how much? $266 64
4 VISUAL Answers to Exercise Case Study C Maria earns $44,000 annually. She earns $3,667 monthly Contribution to retirement plan $120 Rent/home mortgage 690 Utilities 342 Phone/cable/Internet 270 Food/groceries 450 Car payment 150 Insurance (car/rental/home) 264 Transportation, incl. gas 96 Charity 24 Clothes 222 Loan payments 728 Entertainment 198 Services (cleaning, hair stylist) 90 Other 180 Total Monthly Expenses $3,824 Did Maria spend more or less than she earned? MORE By how much? $157 65
5 Answers to Exercise Case Study D Suzanne earns $160,000 annually She earns $13,333 monthly Contribution to retirement plan $1,780 Rent/home mortgage 4,804 Utilities 670 Phone/cable/Internet 324 Food/groceries 336 Car payment 900 Insurance (car/rental/home) 750 Transportation, incl. gas 450 Charity 670 Clothes 270 Loan payments 900 Entertainment 540 Services (cleaning, hair stylist) 438 Other 306 Total Monthly Expenses $13,138 Did Suzanne spend more or less than she earned? LESS By how much? $195 66
6 VISUAL Answers to Exercise Case Study E Marcus earns $80,400 annually He earns $6,700 monthly Contribution to retirement plan $ 780 Rent/home mortgage 1,529 Utilities 342 Phone/cable/Internet 114 Food/groceries 409 Car payment 420 Insurance (car/rental/home) 225 Transportation, incl.gas 102 Charity 114 Clothes 180 Loan payments 1,661 Entertainment 342 Services (cleaning, hair stylist) 114 Other 324 Total Monthly Expenses $6,656 Did Marcus spend more or less than he earned? LESS how much? $44 By 67
7 Answers to Exercise Case Study F Jeff earns $40,400 annually He earns $3,367 monthly Contribution to retirement plan $240 Rent/home mortgage 900 Utilities 78 Phone/cable/Internet 54 Food/groceries 336 Car payment 186 Insurance (car/rental/home) 138 Transportation, incl. gas 168 Charity 66 Clothes 48 Loan payments 714 Entertainment 54 Services (cleaning, hair stylist) 72 Other 90 Total Monthly Expenses $3,144 Did Jeff spend more or less than he earned? LESS By how much? $223 68
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