To complete monthly budget worksheets, gather your income information (from all sources) and your spending habits for the past month or so. Simply print out the resource that is in a PDF format for students to complete.Included:Colored version of the 'Personal Finance - Multiple Choice Quiz'Answer sheet for teacher included, This is a great activity to be used during the introduction of economics when students are learning about market participants and the factors of production. (QL 0000261427 00000 n 0000237753 00000 n 0000287613 00000 n ( 0000303889 00000 n Some people find it easier to manage a budget when breaking down spending by week. 0000270446 00000 n (JZ ( ( Z( If using the one-month tracking system, beware of any variations that may occur in the specific month examined. ( 0000055200 00000 n 0000306759 00000 n QE0 3. (JZ ( )i(( (h( Z(J(h )i(J(h )i( ZZJ(h( Z)(( J(hJ(h(( Z)( ( ( ( (J(hJ(h (%-% QE QE0ZJ@QE QE QE QE %Q@Q@Q@ )QE QE( Z))h ( ( ( ER ( ( )QE QE QE QE QE QE QE QE QE QE QE QE QE QE QE QE( ( Z(QH((( 0000287397 00000 n 0000299812 00000 n ( 0000276627 00000 n 0000268132 00000 n 0000238569 00000 n 0000238676 00000 n 0000281516 00000 n 0000047308 00000 n He spent $312.56 in April and $235.40 in May. 10. 0000243013 00000 n 0000281726 00000 n 0000284641 00000 n 0000291258 00000 n When downloaded, be sure to Enable Content so that scoring, Borrowing Money and Debt Careers Lesson- Careers Education and CDI Framework. 0000246637 00000 n 0000275649 00000 n 0000280609 00000 n ( 0000257416 00000 n Select the . 0000257173 00000 n 0000242858 00000 n ( 0000260568 00000 n 0000285051 00000 n 0000290726 00000 n (Show as 0000283969 00000 n 0000293196 00000 n 0000285716 00000 n 0000265918 00000 n Divide expenses into basic categories, such as rent, bills, transportation, entertainment, health care, clothing, and groceries. 0000291432 00000 n % 0000304883 00000 n Try to choose a month where no extraordinary activities are planned such as vacations or big holidays, or consider tracking for two or three months to get a clearer picture of an average expenditure. 0000282975 00000 n 0000244225 00000 n ( 0000302847 00000 n Study with Quizlet and 0000284591 00000 n 0000240844 00000 n 0000250785 00000 n 0000301061 00000 n % 0000239721 00000 n Quality Practices for Early Care and Education, OngoingTraining and Continuing Education. +R% 2kY ^> 4;KY`%IM!d&b6cDC3)c?Ri A_]Ee>P ZJZ (QE(aEPEPE QEZ(Q@-PEPKE QE RREPEPE QE QE QE QE -Q@Q@Q@Q@-%- QE QE QE QE QE QE QE QE QE %Q@Q@Q@QL(EPEPQE QE QE QE QE RRPEPEPIE QE QE QE QE %Q@%-% QI@Q@ EPIKI@RP (( ( 0000241564 00000 n Well differentiated to three challenge levels - all hour hong powerpoints come with clear LOs, starters, plenaries, accompanying clips and worksheets.Made by experienced Head of Faculty and suitable for Middle / High School. WebUse this worksheet to see how much money you spend this month. ( 0000303210 00000 n ( Explain your reasoning. Some people like to track the savings for big bills in separate accounts, sometimes even a 0000244593 00000 n 0000245673 00000 n 0000283404 00000 n 0000249554 00000 n 0000258436 00000 n ( The PowerPoint can lead to discussions and worksheets on personal budgeting. ( J)h J( Finally i look forward to answer key i see ads darla proxy js file is to bring you. ((( J ( )( ( (( J ZJ(J( )QIE QE RQ@RPQE QE RQ@Q@Q@Q@ Z)(( (h Z(JZ Z))h ZZJ(ii( 0000273631 00000 n 0000260617 00000 n endobj ((( J ( 0000266950 00000 n ( 0000270794 00000 n 0000283186 00000 n 0000034383 00000 n You also can use a Spending Tracker Worksheet (see above for the download link) to track your spending over a month. << /Type /Page /Parent 3 0 R /Resources 6 0 R /Contents 4 0 R /MediaBox [0 0 1024 768] )( ( (( ( ZJ()(h (%- QE QE QE ( ( ( ( ( (Z((Z((((((( J)i( ( ( (((( 1.4.6 Summary of key messages. 0000270892 00000 n 0000298659 00000 n ( 0000261834 00000 n 5 0 obj endobj Debt.com. 0000257899 00000 n Get started for free! 0000253963 00000 n (J(h ( Z)((h(( Z))h J(h ( )i( Z)(( (i(J(hJ(hJ(hJ(hJ(h 3. Some amounts will mostly stay the same, change slowly over time, or only change once a year. 0000259311 00000 n 0000293145 00000 n 0000271753 00000 n 0000282050 00000 n (JZ Z))h JZ Z))h ZZJ(h ZZJ(ii(J(ii RQ@KIE -PQ@E% PIE -PE RQ@E%Z)(IE - QE QE QE QE QE% -PIE -PIE J)Q@hJ(h 0000281625 00000 n 0000266154 00000 n The Year in Child Care: 2021 Data, Analaysis and Recommendations. 0000275547 00000 n stream ( 0000304671 00000 n 0000267327 00000 n 0000250000 00000 n The animation and game elements will not work in Google Slides. 0000049728 00000 n by. ( ( 0000255707 00000 n 0000266252 00000 n 0000241215 00000 n 0000262724 00000 n A good rainy day fund amount is around three to six months of living expenses, but any savings is a great start. 0000276018 00000 n 0000238878 00000 n 0000241467 00000 n 0000264614 00000 n 0000281416 00000 n 0000273178 00000 n (QH(( 0000299081 00000 n If you ponder the reason for the difference, you may find it was due to inflation, big trips, or you just underestimated your gas usage. 0000275918 00000 n 0000249845 00000 n 0000305193 00000 n Circular flow, GDP included, excluded, Consumption expenditure approach, income approach, real and nominal GDP, Price index, deflator, Nominal vs Real - income, wages, GDP, interest. 0000275429 00000 n 3. 0000256367 00000 n Pre-made digital activities. 0000295433 00000 n )( ZJ((J(h( Z)(()(h 0000270544 00000 n 0000269305 00000 n 0000291157 00000 n 0000239908 00000 n ( 0000305718 00000 n 0000306033 00000 n 0000299675 00000 n 0000298950 00000 n How Do I Calculate Average Living Expenses? 0000251404 00000 n 0000271485 00000 n ( As you work with budget worksheets, you can adjust your budget as you refine your numbers. ( Create an expense report via spreadsheet to track their spending" [This Knowing average monthly expenses helps to set a realistic budget for anyone concerned about saving, expanding, overspending, or improving spending habits. 0000252724 00000 n ZJ(h( Feel free to add or delete categories based on your spending priorities and lifestyle. 0000276068 00000 n 0000295005 00000 n 0000248145 00000 n Students will use colored pencils, crayons or makers to label the Product Market, Factor Market, revenue, expenditures, goods and services, products, factors of production, factor payments, income and resources (note: this particular model does NOT include government). A budget worksheet can help you decide your priorities and even change your spending habits over time. 0000302378 00000 n 0000296531 00000 n 0000286410 00000 n (Z(( ( J)i( ( ( ( J)h J( The lesson includes deep theory, many tasks, examples and overview revision tasks. 0000306655 00000 n 0000306963 00000 n 0000295321 00000 n Knowing what is under or overestimated can help develop a realistic budget for the future. Step 2) If the amount budgeted is larger, you spent less. 0000258966 00000 n ( 0000300154 00000 n This product is designed to be used for distance learning, printout, or for computer access in the classroom.Included are the following:PDF version of the assignment (worksheet and digital)Student assignment in Google SlidesEditable option for teachers (Google Slides)Answer key (Google Slides)Topics Included:SavingExpendituresIncomeBudgeting. This lesson is aimed at higher level Macroeconomic teaching and includes high mark essay, This fun, animated game is perfect for 1:1, distance learning, and home schooling! 0000282769 00000 n ( TQE0J(h Z))h (h ZZJ(h Z))hhJZ ZZJ(ii( 0000285555 00000 n 0000274340 00000 n ZJZ Z))hhJZ Z))h KIE -Q@-% QE -PE RQ@EPEPIE - QE RQ@E%- 0000240481 00000 n 0000263083 00000 n A. 0000260266 00000 n Balancing the Budget, Fitting It All In. Page 3. (Q@Q@(-Q@Q@(aEPEPKIE - QE(PIK@Q@Q@Q@Q@-% RREPEPEPEPEPEPEPEPEPKIE -PIE -RPIE -Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@-% RQ@E% RQ@EPEPEPEPEPEPEPEPEPEPEPE RQ@E% RQ@IE QE QE QE QE QE QE QE QE QIE -PEPQE QE QE QE QE  Some are required, while others, like a streaming service, might be optional, discretionary expenses. George Frost Economics and Business Resources, Students will understand the key economic theory of Fiscal Policy. This will give an average of how much has been spent per month. 0000304281 00000 n 0000303263 00000 n 0000252052 00000 n ( Web4. )( Z)( Z)( ( ( ( ( ( ( ( ( ( ( ( (J(hJ(h( ( ( ( ( ( ( ( J Z)( Z)(((((((( ( 0000269802 00000 n ( 0000241777 00000 n (QL-% QE QE PE RREPEPE QE QE QE QE QE Q@Q@(( (QE- 0000304934 00000 n 0000280380 00000 n Stay informed, connected, and inspired in an ever-changing ECE landscape. ( ( Use positive rational exponents to rewrite each expression. ZJZ ( ( ( Z))h ( ( ( ( ( ( ( ( ( ( ( ( ZJ((((()(i( 0000268729 00000 n 0000260519 00000 n 0000300869 00000 n 0000245933 00000 n 0000248523 00000 n 0000266999 00000 n 0000239203 00000 n Tape the signs (expenses, income, assets, and liabilities) from Handout 2A:1: Classroom Station Signs in the four corners of the room. ( 0000253282 00000 n ( (-PEP0Z ( ( ( 0000292500 00000 n 0000257465 00000 n ()QE RQ@EPIK@Q@-% PE RRIK@E%- - RRIK@KIE --% P 0000279485 00000 n His fixed monthly expenses consist of $150 for rent. 0000241669 00000 n Most short-term goals are based on activities over the next two or three years. 0000302184 00000 n 0000050494 00000 n 0000292551 00000 n 0000281043 00000 n 0000258485 00000 n ( 0000285328 00000 n ( 0000303057 00000 n If the amount spent is larger, you spent more. 0000241515 00000 n 4 0 obj 0000264307 00000 n stream 0000270174 00000 n 0000025362 00000 n A budget could reveal areas of impulse buying, lack of savings, unused subscriptions, or other financial mismanagement signs, such as repeated late-bill fees. 0000270998 00000 n ( 0000272812 00000 n 0000284691 00000 n The lesson covers government expenditure and income through taxes. 0000242117 00000 n 0000254589 00000 n 0000256802 00000 n 0000252514 00000 n (E%- QE 0000276399 00000 n 0000305141 00000 n (Q@( ( ( (( Z( ( The Benefits of Budgeting.. 0000249143 00000 n ( This little known plugin reveals the answer. SECTION I GENERAL INFORMATION This section displays the information entered on Worksheet 1, Section I. 0000247863 00000 n 0000263335 00000 n 0000239075 00000 n 0000299333 00000 n 0000289378 00000 n ( 0000290134 00000 n 0000271047 00000 n 0000254849 00000 n It works well as a bellwork assignment for more upper-level classes.What's Included:-1 page assignment-1 page answer key, Your students will love learning about the elements of a personal budget during your economics lessons with this engaging, no prep reading and writing activity! 0000292968 00000 n Also, use the worksheet to plan for next months budget. 0000261543 00000 n JFIF ` ` ZExif MM * J Q Q Q C 0000261785 00000 n 0000243878 00000 n The lesson covers why governments levy taxes, the principles of taxation and the Laffer curve. (()h)h ( 0000286967 00000 n A balanced budget is one where your income and expenses are balanced evenly, without too much or too little left over. 0000281265 00000 n 0000258917 00000 n 0000300051 00000 n 0000289259 00000 n 0000045074 00000 n 0000260717 00000 n 0000281882 00000 n Jim Miller had the following monthly expenses: September: $1,540 October: $1,899 November: $1,756 December: $2,244 What is his average monthly expenditure for the 4-month period? 0000272160 00000 n 0000291847 00000 n J(((( ( (( )( ( )(%-% QE %Q@RPEPIE QE QERJZ`QE QE -PE RQ@EPIK@-% PE RRIK@E%- QEZ(( 0000285974 00000 n J(RPEPIE QE RQE QE Q@ii(IE -Q@Q@E% QE -PQ@E%- PE RRIK@-% QE 0000264161 00000 n 0000239535 00000 n 0000284138 00000 n 0000281215 00000 n Almost one-third of respondents indicated they maintained a budget with spreadsheets. To get the average, add up the amount of money spent for 12 consecutive months, then divide by 12. 0000259788 00000 n ( 0000263714 00000 n 2 0 obj ZJ) QE QE -(@QE QE QE - QE QE RREPEPES ) QE QE QE QE QE QK@Q@Q@-PEP0Z ( ( ( 0000240006 00000 n 0000302635 00000 n (( 0000254240 00000 n 0000290346 00000 n The Crossword Solver found 30 answers to "monthly expense", 3 letters crossword clue. Her articles have also been published by CNN Money, U.S. News & World Report, and Bankrate, among others. How much is Scott spending on average per month? Pie Chart. 2 0 obj (%-% )h((Z()h 0000247460 00000 n Webwww.practicalmoneyskills.com the art of budgeting quiz key 3-6 lesson three quiz: the art of budgeting answer key true-false 1.The budgeting process starts with monitoring current spending. Other expenses could fluctuate according to season, usage, or choices; for example, water bills, groceries, or gas. Find the average monthly 0000262875 00000 n ( ( 0000279320 00000 n 0000264801 00000 n 8. 0000279803 00000 n Students are asked to give advice on where a person could save more money and analyze grocery lists, gas payments, monthly expenditures, paycheck deductions and work, A macroeconomic worksheet on Gross Domestic Product requiring students to: 0000277543 00000 n Initial questions simply require basic algebra but increase in difficulty, requiring comprehension skills as students progress through them. 0000295933 00000 n 0000292601 00000 n Fill in ( ( 0000265822 00000 n 0000259901 00000 n 0000255901 00000 n 0000266476 00000 n WebStep 4: Next rewrite the income and expense items in the form of a monthly budget: Step 5: Ask students how to show the $5 difference between income and expenses. 0000288054 00000 n 0000251850 00000 n 0000265045 00000 n 0000284791 00000 n ( Jim Miller had the following monthly expenses: September: $1,540 October: $1,899 November: $1,756 December: $2,244 What is his 0000251598 00000 n (Q@QL(EPIK@Q@Q@Q@-% RR ) QE QE QE QE QE QE QE QE( ( (@QE QK@Q@Q@Q@Q@-%- QE QE -Q@Q@)h ( ( Z ( ( 0000288823 00000 n 0000297679 00000 n Communication Monthly Budget Worksheet Use this worksheet to see how much money you bring in each month and where you spend it. 0000272762 00000 n ( WebRudy Timmons had a $287.80 average monthly expenditure for groceries during the rst quarter of this year. oZ(R+zl=pzG1z/#[1:NU '_38#mAE*;Hg:(J-eCA1A9%;T]G)Q3Fhh9+IMs!~IVNUi,tz3''3)t{m{w4hb: |^Et The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. 0000024833 00000 n )( ( EPEPKIE -Q@Q@E%- QE RRIK@-%- RRKIK@E%- - RRIK@E%- - RRIK@-%Z(JZ ( Z))h JZ ( Z)( ( ( 0000293846 00000 n 0000296418 00000 n 0000251300 00000 n 0000287067 00000 n ( 0000237375 00000 n ( (QH 0000296739 00000 n JZJ ( ))i( ( (QE QE %Q@Q@Q@QL@QE QE QE0 0000287928 00000 n 50 x resources in 11 lesson packs. ( 0000286864 00000 n 0000246686 00000 n 0000246280 00000 n endobj 0000236732 00000 n (((aKE QE(Q@Q@-%- QE QE -Q@REPEPE QE RREPKIK@Q@Q@Q@EPEPEPEPKIE -Q@Q@Q@Q@Q@Q@Q@RPEPEPEPEPEPEPIE QE QE QE QE QE RQE QE QE Q@Q@Q@%PEPIE RRPEPQE RQE QI@Q@ EP ( Then, plan each month the smart way. 0000246802 00000 n !Students spend multiple lessons learning how to run a small business.This unit is PACKED full of fun, and practical activities.Topics include -Creating a business idea and proposalQuantitative and qualitative researchCreating advertizing materials to promote your businessRecording your business journey in a project journalKeeping accounts of income and expenditureICT Skills - across a variety of different softwarePresenting your business successes and limitations in an, This product includes 11 pages to guide students through learning about markets, specialization, and international trade. 0000279536 00000 n (E%- QE QE QE - QE RQ@E%- QE PIK@Q@Q@E% RRKIE - QE QE RQ@E% QE -PIE -PE QE QE QE QE RQ@E% RQ@E% RQ@E% Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@Q@PIE -PIE -%PEPEPEPEPEPEPE% RQ@E% RQ@Q@Q@QE( ( ( (-( (QE QE (()h ( ( Z ( ( ( ( (( ( ( ( ( ((((((((( 0000047253 00000 n 0000294315 00000 n For example, if your health insurance premium is deducted from your paycheck, enter that on the Monthly Income Calculator tab, not as a monthly expense. 0000261329 00000 n 0000281831 00000 n If this person wanted to increase his savings by 5% a month, this could be accomplished by cutting a grocery budget down by 5%, or $90 USD per month. Z((Z( ( ( Z ( ( ( ( (Z( ( ( ( ( ( ( ( ( Z(( ( ( ( ))h( ( ((( J( 0000295983 00000 n 0000267831 00000 n 0000269753 00000 n (( >> ( 0000287231 00000 n rent is $750) so the first week may have the highest spending. )h ( ( ( ( ( ( ( ( ))h (((aEPKIK@Q@(aEPE QE QE- QE QE QK@ KE QE QE QKE QE QE QE QE QE QE QE QE QE QE QE QE QE QE %PQKI@Q@Q@%- QE QE QE % QE QE QE QE QE % QE QEJ)i( ( (((( 0000279153 00000 n %%EOF 0000299863 00000 n ( This product is designed to be used for distance learning, printout, or for computer access in the classroom.Included are the following:PDF version of the assignment (worksheet and digital)Student assignment in Google SlidesEditable option for teachers (Google Slides)Answer key (Google Slides)Topics Included:SavingExpendituresIncomeBudgeting, PowerPoint lesson includes the following: Methods of measuring national income (output, income, & expenditure), GDP, GNP, per capita income, real and nominal income, understanding growth rates and standard of living. What is the first step toward making sure that you are living within your means-not spending more than you can afford? The lesson covers government 0000239633 00000 n WebMOVE: The Average American Budget In this activity, students will be able to: Understand how the average American budget breaks down into different categories and expenses Explore our diversity, equity and inclusion resources to learn more about the past, present and future of child care as it relates to DEI for all children, families and providers. (Q@(QE(QE Q@Q@Q@(QE QE QE QE- QE QE QE QE QK@ E- R@ E- R@ E- QE QE QE QE QE PQKI@Q@Q@Q@ E- QE 0000267673 00000 n ( `sw@@ a> Q( X@:Mz-AG/nz9Q$x9AD,\tX>o ,hL ( endobj 0000041313 00000 n $4%&'()*56789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz ? (((AEP1h ( )i)h ( (h )i)h ( (h( Z( 0000047654 00000 n ( 0000249651 00000 n 0000253234 00000 n In the Total Take-Home Pay, youll see your projected net income. 0000243107 00000 n 0000270059 00000 n 0000255548 00000 n ZJ(h(( Z))hQE RQ@E% RQ@Q@Q@-% RQ@E% RQ@E% RQ@Q@Q@PIE -PQE RQ@ Z)(()(hJ(h 0000239340 00000 n Definition of different types expenses and worksheet to prepare a budget. 0000263132 00000 n 0000261688 00000 n 0000061693 00000 n 7 0 obj 0000284087 00000 n 0000278014 00000 n Within a few months, you may be spending less and saving more. 0000303837 00000 n 0000300627 00000 n 0000289871 00000 n ( 0000261131 00000 n 0000253747 00000 n 0000305980 00000 n ( Run a business - COMPLETE UNIT!!! 0000250834 00000 n Students will also match important vocabulary terms with definition choices to help familiarize them with t, This is a short assignment that allows students to practice, based on events in a fictional country's economy, how to calculate GDP using both the expenditure and income approach. 0000257580 00000 n 0000252829 00000 n 0000246074 00000 n JZ(( ( J( Other ways to calculate your budget are with apps, pen and paper, or your financial institutions budgeting tools. 0000290989 00000 n 0000279052 00000 n 0000277066 00000 n 0000239155 00000 n ( 0000249699 00000 n 0000305299 00000 n ( 0000271247 00000 n 0000277343 00000 n How Do I Make Extra Payments on My Loans? 0000247065 00000 n ( 0000262228 00000 n Ensure youre only entering amounts not already deducted from your paycheck. 0000299572 00000 n 1. ( 0000283867 00000 n 0000273405 00000 n Extra money put aside for unexpected expenses-such as a car accident or property damage due to weather. 0000268471 00000 n 0000280431 00000 n 0000238024 00000 n 0000286561 00000 n This product includes 11 pages to guide students through learning about budgeting, saving, and spending. 0000238830 00000 n 0000258274 00000 n 0000295882 00000 n (JZ@QE QE -PE QE QE QE QE RREPEPEPKIE -Q@Q@Q@Q@QL(EPE QE QE QE QE QE- QE QE Q@Q@(( (QE- 0000258323 00000 n 0000026089 00000 n 0000023781 00000 n Z(((((((((((( J)i( ( ( ( (((AEP0(((AEP1(QE ( Some experts suggest that before making an accurate calculation of average monthly expenses, it may be a good idea to create an estimate of expenses. In general, is a+bequaltoa+b\sqrt { a } + \sqrt { b } \text { equal to } \sqrt { a + b }a+bequaltoa+b? ( ( 0000298423 00000 n 0000267518 00000 n 0000246231 00000 n ( 0000277166 00000 n ( 0000261924 00000 n 0000298372 00000 n endstream endobj 175 0 obj <>>> endobj 176 0 obj <>/Annots 224 0 R/ArtBox[0.0 0.0 612.0 792.0]/BleedBox[0.0 0.0 612.0 792.0]/Contents 210 0 R/CropBox[0.0 0.0 612.0 792.0]/LastModified(D:20210105165846-05'00')/MediaBox[0.0 0.0 612.0 792.0]/Parent 172 0 R/PieceInfo<. 0000284188 00000 n 303 0000060422 00000 n ( 0000237037 00000 n 0000274876 00000 n 0000297379 00000 n ( 0000291039 00000 n JZJ ( ))i( (( QE QE RQE QE AES J(h )i( 0000237883 00000 n 0000248480 00000 n 0000273681 00000 n ZJZ ( )i)h ( (h ( Z( 0000269576 00000 n 0000269354 00000 n ( 0000276178 00000 n Be sure to include automatic-pay bills, such as credit cards, utilities, or rent. ZJ(h Z(J(ii(J(h Z))hhJ(ii( Z)((hJ(hJ(h )sIE -PIE -P( ( Z)( Z)( ( (J(hJ( ( ( Z)( Z)( ZJ((((((()(hJ(hJ(i( 0000305561 00000 n 0000283672 00000 n B0)1|g 0000257678 00000 n 0000034021 00000 n (-%Z( 0000239584 00000 n (E%- PE QE QE QE QE QE QE QK@Q@Q@EPEP0(AEP0( 0000255852 00000 n 0000301436 00000 n Tackle your monthly expenses by looking at the big picture before you budget. (JZ ( Z))h ( ZZJ(h ZZJ(h Z(J(ii( 0000262924 00000 n 0000255372 00000 n 0000301921 00000 n 0000275768 00000 n What can you conclude? 0000292758 00000 n 0000244838 00000 n 0000242661 00000 n 9 Tips to Successfully Negotiate With Debt Collectors. ( 0000255499 00000 n 0000254337 00000 n Graph 3 Spending By Category. 0000290396 00000 n ( 0000034774 00000 n ( The Landry's records for September, October, and November show that their expenditures totaled $2,567.05, $2,678.16, and $2,781.57, respectively. 0000299623 00000 n 0000306553 00000 n 0000046098 00000 n <> 0000290444 00000 n 0000255036 00000 n ( (((( (QE QE %Q@Q@Q@%-% EEPES J(h (@QE QE0 0000299184 00000 n 0000289919 00000 n 0000307013 00000 n The lesson also covers budget balances, deficits and surpluses and how this links to national debt. 0000264949 00000 n 0000296149 00000 n 0000280114 00000 n 0000272613 00000 n 0000244545 00000 n 0000304068 00000 n WebSection 3-1 Average Monthly Expenditures Reference the Chart to the right: What is the average amount spent on gasoline from July to September? 0000298898 00000 n 0000288995 00000 n 0000292173 00000 n 0000051040 00000 n ( 0000277739 00000 n ZJ(h (QEJZ ( )i( Z( 0000297479 00000 n 0000299384 00000 n ZJ(h(( Z( 0000301221 00000 n ( ( 0000248812 00000 n For example, you may decide you want to use your budget to help you get out of debt, buy a home, or save up for your kids future education. ( hbbd```b``y 0000253185 00000 n ( 0000301114 00000 n But you cant make a plan if you dont have a budget. ( 0000280164 00000 n 0000033637 00000 n 0000297170 00000 n ( Budgets help you plan your monthly spending to achieve your goals, whether those are trying to pay down debt, accumulate cash for a new car, or put away more in your savings account. JZ(( ( (( ( QE QEJ)i) QE QE QE QEJ(Q@ ( ( ( )QE)i(( ( ( (((((EPEPEPEPEPEPEPEPEPEPEPEPEPEPER ( ( ( ( ( )h 0000306911 00000 n << /ProcSet [ /PDF /Text /ImageB /ImageC /ImageI ] /ColorSpace << /Cs1 9 0 R 0000260315 00000 n 0000250250 00000 n (Q@)hQE( ( ZJZ ( Z( 0000288599 00000 n 0000058680 00000 n JZ(((( 0000269184 00000 n 0000292333 00000 n Set the duration to 3 months. 2. 0000296581 00000 n ( ((( 0000024578 00000 n Zip. ( 0000262626 00000 n JZJ (( J(Q@ EPEPEPQEQL(EPEPESh((EPKIE0JZ@QE - QE QE QE RQ@EPEPKIK@Q@Q@QL(KE QE QE QE QE- QE QE Q@Q@)h ( ( Z ( ( 0000283287 00000 n 0000278835 00000 n 0000255755 00000 n 0000236871 00000 n 0000295534 00000 n (()h ( Z ( ( 0000024195 00000 n WebSC-9.3 - Budgeting for Your Home SC-9.4 - Budgeting for Transportation SC-9.5 - Budgeting for Food SC-9.6 - Budgeting in the Gig Economy SC-9.7 - Build Your Budget 9-Week Course 9WK-9.0 - Unit Plan & Assessments 9WK-9.1 - Case Study: How Do I Budget? 0000285923 00000 n 0000254386 00000 n 0000296789 00000 n 0000288725 00000 n 0000248985 00000 n ( 0000245976 00000 n 0000260973 00000 n 0000271703 00000 n ( 0000285815 00000 n 0000258225 00000 n 0000287712 00000 n WebFind the average monthly expenditure. 0000025066 00000 n This is perfect for adding literacy to your social studies curriculum because its academically-aligned for ELA and for social studies. Step one? 0000184486 00000 n Calculate your monthly average spending on discretionary expenses: This includes expenses like clothing, birthday gifts, and gym memberships. )(( ( ( JZ )i( 0000271903 00000 n )( Z)( Z)( Z)( )i( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (J(hJ(i( 0000293376 00000 n Ms. Schleef wants to identify all students who have overall grades of less than 70%. 0000184627 00000 n 0000268569 00000 n ( 0000266763 00000 n (-PEP0Z ( ( ( 0000301540 00000 n One way to implement a balanced budget is with a zero-based budgeting approach, which aims to assign every dollar of your income to an expense, savings, or spending. 0000274604 00000 n ZJ) PE RRKIE -Q@E%- QE QE RREP0(h(AEP0(( ( Z)( ( (J(i( 0000257801 00000 n 0000267929 00000 n CCAoA is dedicated to serving our country's military and DoD families. 0000282273 00000 n 0000280215 00000 n 0000025511 00000 n 0000240977 00000 n 0000271952 00000 n 0000266902 00000 n 0000275379 00000 n 0000302327 00000 n (Q@Q@Q@EPEPE QE QE(-Q@(AEP0 ( ( Use these worksheets to track spending, saving, and monthly balances. 0000278684 00000 n 0000306244 00000 n 0000244314 00000 n Assume variables represent positive numbers. Download and copy The Balances Spending Tracker Worksheet and Monthly Budget Income and Expenses Calculator. (-PEPE QE QE QKE QE QE Q@Q@Q@Q@PRE QE QE QE QE QE QE QE QE QE QE QE %PQKI@Q@Q@Q@%- QE QE PQE QE RPEPIKE %Q@Q@%Q@Q@ Before you use it, make a copy first: A step-by-step guide to making a budget can offer more details, including what to do if you receive variable incomes from gig or freelance work. 0000268302 00000 n (E%- QE QE QE PE QE RQ@EPEPKIE - QE QE RQ@E% QE -PIE -Q@Q@Q@-% RQ@E% QE QE QE -PIE -PIE -PIE -PIE -PIE -PIE -PEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPE% RQ@E% RQ@IE QE QE QE QE QE QE QE QE QEQ@(((((bIK@((aEPEP (RREPEPEPKIE - QE QE RREPEPKIE -PE QE QE RQ@E%- QE PIE - QE QE QE QE QE QE QE RQ@E% RQ@E% RQ@E% RQ@E% RQ@E% RQ@E% QE QE QE QE QE QE QE QE QE RQ@E% RQ@E% RQ@E% RQ@E% RQ@E% RQ@E% RQ@IE QE QE QE QE QE QE QE QE QE QE QE QE QE QE QE QE QE QE QE QE% AKIE -Q@((((aKIE -Q@((aEPEP (RREP (QE QE RREPEPKIE - QE QE QE RQ@EPEPEPEPKIE -PE QE QE RQ@E% RQ@EPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPEPE% RQ@E% QE QE QE QEQ@-%- QE 0000245261 00000 n 0000241118 00000 n ( 0000261640 00000 n 0000244176 00000 n 0000273022 00000 n 0000271436 00000 n 0000298190 00000 n $7,500.44 / 7 months = $1,071.49 9. 0000302081 00000 n Reviewing income and expenses a month at a time is a manageable solution for many people. Without a budget, money may sprint through your account as if its a revolving door. 0000263911 00000 n 0000247814 00000 n 0000254012 00000 n 0000283505 00000 n 0000283722 00000 n JZJ ( (()h ( (h ( )i)h ( ( ( )i)h ( ( ( (h ( ( ( ( ( ( ( ( ))i( ( ( ( ( ( ( (((((( ( ((( ( ))i( (( ))i( (( J(%-% QE Q@Q@RPEPj(-% RQ@E%- PIK@Q@E% QE - RQ@ER ER (( (h )i)h ( Z ( ( )h "'Hf;0$9D>HI@EH2\ f D2@"``HW"A&kE@ k`R/g0{69Djl_l0YVyLJHq h^Qr8 F'] Take the sum of monthly expenditures and divide by the number of months. 0000279914 00000 n 0000305510 00000 n 0000245031 00000 n To get the average, add up the amount of money spent for 12 consecutive months, then divide by 12. 0000302430 00000 n ( 0000281366 00000 n ( She has many other interests, and enjoys learning and writing 174 0 obj <> endobj (( 0000271296 00000 n 0000304511 00000 n ( 0000249192 00000 n ( true /ColorSpace 9 0 R /Intent /Perceptual /BitsPerComponent 8 /Filter /DCTDecode 0000259999 00000 n 0000292123 00000 n 0000262326 00000 n 0000244643 00000 n You can divide in Excel using a formula such as =1500/12 . 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