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Here is your chance to plan the perfect life. You


have goals and aspirations in life. Hopefully you
have chosen a career path that will lead you to
the life you want.
Do you have a plan to make your dreams come
true?
Let's find out what it will be like.
Click Here to Begin
Career Choice
1. Fill in the fields shaded yellow:
2. Use the tab key or point and click to advance through the
yellow shaded areas.
3. Move away from the last entry then Click on the Green arrows
to move forward or backwards.
4. These shaded fields calculate automatically:
5. Use this button to clear fields for new user:
DIRECTIONS
Click Here to Begin

2. Use the tab key or point and click to advance through the
3. Move away from the last entry then Click on the Green arrows
1. What is your career choice?
A. What will your yearly salary be?
Monthly Pay? Salary / 12 Months
OR Important: Only one entry in A or B!!
B. Maybe you will have an hourly job.
How much will you earn per hour?
(Earned/Hr) (40 Hrs/Week) (4 Weeks)
(Earned per Month) (12 Months)
2. From A or B above, your monthly salary:
0
FALSE
Earned per month?
Earned per year?
$0
$0
Click here to research
local employers
Click here to research
careers
Click here to research
salaries
$0
Click here to do skill,
interest or ability
assessments
Introduction
Taxes
Click here to research
local employers
Click here to do skill,
interest or ability
assessments
Amount of taxes you will pay:
Amount of monthly pay you will be able to keep after taxes:
Amount of weekly pay you will be able to keep after taxes:
0
For more information about tax rates
visit www.irs.gov by clicking here.
$0.00
Your monthly salary is:
Your tax bracket based on your annual income: 10%
$0.00
FALSE
$0.00
Career Choice
It is certain that you will pay taxes. Taxes are automatically taken out of your wages. There
are other taxes too that range from sales tax to property tax. If you earn less than $7300
you will be taxed 10%. If you earn between $7300 and $29,700 you are taxed by the
Federal Government at 15%. If you earn over $29,700 you will be taxed at 25%. Higher tax
brackets exist but for much larger income brackets.
Apartment
0
TOTAL EXPENSES PER MONTH:
EXPENSES AND APARTMENT: $0.00
$0.00
Cell Phone Plan (500 Minutes $39)
Cable TV/DSL ($60/mo for both)
Water
Electric
UTILITIES INFORMATION
RENTAL INFORMATION
Think of other expenses you will have per month
Telephone (Minimum $30)
Food (minimum $200)
Cost of the apartment or rental property per month:
Taxes
Apartments website is www.apartments.com. Select an area to search. Narrow your
search. Choose price, # of bedrooms, # of baths, type of housing, then select "search now".
Check to see if there are pictures of your apartment.
Entertainment
0
Bowling
Eat at restaurant
Go to a Movie
Rent Movies
Trips to Wal-mart for non-essentials
Sporting events
Concerts
Buy music, CD's or video games
TOTAL EXPENSES PER MONTH: $0.00
Buying gifts for family, friends
What are your hobbies? Do you rent DVD's from Blockbuster? Do
you attend sporting events? Do you like to go out to eat? Estimate
what you would plan to spend on entertainment.
Apartment
Car
years
per month
per year
per week
per month
per month
per month
0
Think about other monthly expenses
Make/Model of Car
Monthly Payment
Year of Car
TENNESSEE FINANCIAL RESPONSIBILITY LAW
T.C.A. 55-12-139 Any
driver stopped for a moving violation or involved in a
traffic accident must provide evidence of financial
responsibility (Liability Insurance 25/50/10) from an
insurance company licensed to practice in Tennessee.
Failure to provide evidence of financial responsibility is
a Class C Misdemeanor punnishable by a fine of $100
and suspension of Drivers License
Total Other Car Expenses Per Month: $0
Monthly Gas Bill
Monthly Payment for Car $0.00
Total Cost of Car
How many years to pay it off?
Car Insurance Per Year $0.00
Interest Rate 8%
Monthly Payment
Car Insurance Per Month
How many miles do you expect to drive a week?
How much is gas per gallon?
Misc
Oil Change ($20 every 3000 Miles) $0.00
$0.00
How many miles per gallon can you expect
Entertainment
Health and Misc
180
166.67
0.925944
$0.00
$0.00
$7.41
#DIV/0!
#DIV/0!
0
TENNESSEE FINANCIAL RESPONSIBILITY LAW
T.C.A. 55-12-139 Any
driver stopped for a moving violation or involved in a
traffic accident must provide evidence of financial
responsibility (Liability Insurance 25/50/10) from an
insurance company licensed to practice in Tennessee.
Failure to provide evidence of financial responsibility is
a Class C Misdemeanor punnishable by a fine of $100
and suspension of Drivers License
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
0
TOTAL EXPENSES PER MONTH: $0.00
Child Care
Personal Care Attendant
Medical Supplies
Medical Insurance
Dental Insurance
Eye Care
Medications
Do you take medication? Will you have to pay for medical insurance? Will
you have dental insurance? Will you have to pay for eye glasses or contacts?
Do you have children and need child care?
Car Go To Higher Education

***SKIP THIS SECTION: If you do not plan to continue your education!!!
Use Chart Below
Use this chart as an estimate of school expenses
STATE OF TENNESSEE
BOARD OF REGENTS
0

State University or Technical School $2,500


Competitve Admission (Average 24-28 ACT,
3.28-3.95 HS G.P.A.)
$0
How Many Years will you be attending college?
TN Lottery Scholarship (19 on ACT) $2000
0
Estimated Monthly Payment for College Loans (10 Year Payoff):
Estimated Cost of College after Financial Aid:
Private College $25,000 2.0 GPA
Type of School Aproximate Cost Grade Needed to Get In
Community College $1,112 Pass Proficiency/Regular Diploma
Estimated Cost for One Year of College
Rough estimate of possible yearly financial aid
GPA upon High School Graduation
Budget
Healthcare
STATE OF TENNESSEE
BOARD OF REGENTS
A negative number or deficit would mean you are over budget and need to cut back on your expenses
and/or increase your income. A surplus or positive balance means you have decisions to make on how to
save or plan for a rainy day.
Living Expenses (Utilities,etc.)
$0.00
$0
$0.00
Monthly Salary After Taxes:
Entertainment
$0.00
$0.00
$0.00
LIVING EXPENSE
$ Remaining After This
Expense
Apartment or Rental $0.00 $0.00
Cost/Month
$0.00
$0.00
Monthly Car Payment
Healthcare and Misc
$0.00
Balance Each Month (Surplus or Deficit):
$0.00
Other Car Expenses $0.00 $0.00
$0.00
College Payment $0.00
Car Insurance
$0.00 $0.00
Higher Education Your Perfect Life
0
0
Your balance of left over funds each month will be: $0.00
You plan to drive a: 0
Your total Monthly Car Expenses will be: $0.00
Your apartment rent and expenses will be: $0.00
0
0
FALSE Your expected monthly salary after taxes will be:
Good luck in your career path!
You have plan to be a:
Back to Budget