My Budget

	A	B	C	D	E	F	G	H
1	Expenses	Monthly	Bimonthly	Biannually	Annually	10 years	Rationale
2	TAX RETURN - REFUND - ONE YEAR CALCULATION	$1,033.17	$516.58	$6,199.00	$12,398.00	NA	based on average salary total for two jobs
3	graduate school tuition - UC SAN DIEGO	$1,344.17	$672.08	$8,065.00	$16,130.00	4 years = $64,520.00	see website for 2014-2015 current students
4	graduate school books/supplies	$103.33	$51.67	$620.00	$1,240.00	4 years = $4,960.00	see above
5	car payments ($14,500 over 5 years @ 1.74%)	$253.00	$126.50	$1,518.00	$3,036.00	5 years = $15,180.00	per loan from Logix (provided by loan officer Eddie Machuca)
6	car insurance	$50.70	$25.35	$304.18	$608.36	$6,083.60	per Allstate insurance on current family Honda Ridgeline (provided by financial advisor Martha Machuca)
7	car gasoline	$100.00	$50.00	$600.00	$1,200.00	$12,000.00	hypothesis based on 'price per barrel' trend
8	kitty - frivolous things for enjoyment (subject to change)	$291.67	$145.83	$1,750.00	$3,500.00	$35,000.00	hypothesis derived from my personal will
9	food (groceries + eating out)	$250.00	$125.00	$1,500.00	$3,000.00	$30,000.00	per observing my own current eating habits (hypothesis)
10	clothing	$40.00	$20.00	$240.00	$480.00	$4,800.00	per observing my own current spending habits (hypothesis)
11	furnishings (one-time cost)	$41.67	$20.84	$250.00	$500.00	NA	hypothesis based on pricing provided by IKEA
12	utilities (apartment @ 944 sqaure feet)	$280.00		$1,680.00	$3,360.00	$33,600.00	see website
13	- cooking gas	$10.00	$5.00	$60.00	$120.00	$1,200.00	see above
14	- electricity (average)	$40.00	$20.00	$240.00	$480.00	$4,800.00	see above
15	- heat	$100.00	$50.00	$600.00	$1,200.00	$12,000.00	see above
16	- air conditioning (average)	$65.00	$32.50	$390.00	$780.00	$9,360.00	see above
17	- internet	$45.00	$22.50	$270.00	$540.00	$5,400.00	see above
18	- cable	$20.00	$10.00	$120.00	$240.00	$2,400.00	see above
19	rent (San Diego apartment 264)	$1,975.00	$987.50	$11,850.00	$23,700.00	$237,000.00	see website
20	T-Mobile phone service	$30.00	$15.00	$180.00	$360.00	$3,600.00	pre-bundle family payments looked at/see equations (equations used provides groundwork for other numbers calculated in each column); iPhone 6, 10GB plan
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22	Earnings	Monthly	Bimonthly	Biannually	Annually	10 years	Rationale
23	job - Senior Environmental Scientist (average)	$8,713.50	$4,356.75	$52,281.00	$104,562.00	$1,045,620.00	primary source	secondary source
24	job - Starbucks barrista (weekend shift; average)	$365.20	$182.60	$2,191.20	$4,382.40	$43,824.00	research
25	INCOME (without applied income taxes)	$9,078.70	$4,539.35	$54,472.20	$108,944.40	$1,089,444.00	see inbred equations used
26	state income tax (9.3%) amount	$844.32	$422.16	$5,065.91	$10,131.83	$101,318.29	see inbred equations used
27	federal state income tax (28%) amount	$2,542.04	$1,271.02	$15,252.22	$30,504.43	$305,044.32	see inbred equations used
28	TOTAL INCOME (TAKE-HOME AMOUNT)	$5,692.34	$2,846.17	$34,154.07	$68,308.14	$683,081.39	see inbred equations used
29	profit from college-related job = $23,356.00)	$1,946.33	$973.17	$11,678.00	$23,356.00	NA	leftover amount after attending UC Berkeley for 4 years with a job
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31	ghghg: spanned out across 1st year being independent
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33	Leftover Amounts (to be stored in a savings account)	Monthly	Bimontly	Biannually	Annually	10 years	Rationale
34	first year with aformentioned tax refund	$3,912.30	$1,956.15	$23,473.83	$46,947.66	$469,477	see inputed eqatuions
35	future years (current tax return taken into consideration)	$2,007.64	$1,003.82	$12,045.87	$24,091.74	$240,917.39	see inputed equations
36	future years (current tax return taken into consideration; post graduate school) ($)	3,455.14	1,727.57	20,730.84	41,461.68	414,616.80	previous graduate training costs taken out of list of expenses; added to 'leftover amounts' section right off the bat
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