3 what are other expenses that could affect your

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3. What are other expenses that could affect your monthly disposable [available money to spend] income? 4. Why does scarcity force people and societies to create budgets? What are the short and long term consequences of choosing not to budget? 5. How can buying items that you don’t necessarily need turn a surplus into a deficit? 6. How can setting budget goals influence how you manage your money? 7. Do you think the budget goals set in this activity are realistic? Why or why not? 8. How helpful do you feel the steps taken in this activity would be in helping you reach your own financial goals?
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Monthly Budget: You will only enter information under "projected costs" as the actual costs can only be calculated at the end of the month. Its purpose is to show if you are meeting your budgetary goals. Total monthly income HOUSING Projected Cost Actual Cost Difference Mortgage/Rent Electricity Gas Heat Internet Netflix Cell Phone Subtotals TRANSPORTATION Projected Cost Actual Cost Difference Metro Card Commuter Railroad/Taxi/Bus Car Payments Insurance Fuel Other Subtotals FOOD Projected Cost Actual Cost Difference Groceries Dining out Other Subtotals ENTERTAINMENT Projected Cost Actual Cost Difference Movies Concerts Cell Phone Other Subtotals LOANS Projected Cost Actual Cost Difference Personal
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Student Credit card Subtotals
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