Hopefulfamilybudget

Hopeful Family Budget
6 Worksheets
By: Cassandra Robbins

FIN 101-09
Take-home Pay $
401K
4,800.00 Brother Hopeful

350.00 Sister Hopeful
150.00 Company pays
Current De
Worth of Home $ 175,000.00
Amount
Expenses
$ 6,000.00
$ 1,000.00
$12,619.08
$19,225.00
$ 5,200.00
$ 1,969.78
$ 1,876.97
$49,612.40
###
$ 200.00 2nd car (7% APR)

$
$
$
$
$
$
$
$
$
1,149.00
582.82
450.00
465.00
30.00
20.00
15.00
70.00
200.00
APR %
12.0%
15.0%
11.0%
6.0%
1st Mortgage (6% APR)

2nd Mortgage (9.5% APR)
Food
Kid's lessons
Laundry
Dry cleaning
Gifts
Life Insurance
Medical Insurance
7.0%
12.0%
15.0%
9.5%
6.0%
###
$ 120.00 Car insurance (both cars)

$
Steps to Saving Money
25.00 Internet
$ 95.00 Cable
$
$ 75.00 Home Phone

$
85.00 Cell Phones
$ 170.00 Gas (both cars)

$ 85.00 Bowling League
$ 35.00 Newspaper
$
$
30.00 Misc.
615.00 Tithes & Offerings
$ 35.00 Other Charities

$
$
$
$
$
$
Owe
275.00 Utilities
158.00
34.67
274.37
280.85
92.72
65.07
#1
#2
#3
#4
#5
#6
#7
#8
CC #1 (12% APR)
CC #2 (15% APR)
CC #3 (11% APR)
Credit Union Loan (6% APR)
Gas CC (12% APR)
Medical Bill (15% APR)
Sell 2nd Car

Car Insurance
Gas
No Cable
Use Cells Only
No Bowling
Online Paper
Tithes & Fasts 1st
$
$
$
$
$
$
$
$
60.00
85.00
-
Pay
145.00
Total
5,732.50 Not counting APR
Current Debt
Current Payments
Payment Remaining Description
$ 158.00
48
Credit Card #1
$
34.67
36
Credit Card #2
$ 274.37
60
Credit Card #3
$ 280.85
84
Credit Union Loan
$200.00
28
Car Loan
$
92.72
24
Gas Credit Card
$
65.07
36
Medical Bill
$ 582.82
142
2nd Mortgage
$ 1,149.00
147
1st Mortgage
$ 2,837.50
Saving Money
Monthly Variance
$ 5,200.00
$
60.00
$
85.00
$
95.00
$
75.00
$
85.00
$
35.00
$
35.00
### Save
Total debt
Hopeful Family Monthly Budget

FIN 101-09
Income
Brother Hopeful $ 4,800.00
Sister Hopeful $
350.00
Combined Take Home Pay $ 5,150.00
2015
2016
Aug
Sept
Oct
Nov
Dec
2017
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
2018
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2019
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2020
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2021
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2022
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2023
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Expenses
Food
Kid's lessons
Laundry
Dry cleaning
Gifts
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
Life Insurance
Medical Insurance
Car insurance (both cars)
Internet
Utilities
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
Cell Phones
Gas
Misc.
Tithes & Offerings
CC #1 (12% APR)
$
$
$
$
$
85.00
85.00
30.00
615.00
169.00
$
$
$
$
$
85.00
85.00
30.00
615.00
169.00
$
$
$
$
$
85.00
85.00
30.00
615.00
169.00
$
$
$
$
$
85.00
85.00
30.00
615.00
169.00
$
$
$
$
$
85.00
85.00
30.00
615.00
169.00
$
$
$
$
$
85.00
85.00
30.00
615.00
169.00
$
$
$
$
$
85.00
85.00
30.00
615.00
169.00
CC #2 (15% APR)
CC #3 (11% APR)
Gas CC (12% APR)
$
$
$
$
$
44.67
285.37
291.85
103.72
76.07
$
$
$
$
$
44.67
285.37
291.85
103.72
76.07
$
$
$
$
$
44.67
285.37
291.85
103.72
76.07
$
$
$
$
$
44.67
285.37
291.85
103.72
76.07
$
$
$
$
$
44.67
285.37
291.85
103.72
76.07
$
$
$
$
$
44.67
285.37
291.85
103.72
76.07
$
$
$
$
$
44.67
285.37
291.85
103.72
76.07
$
$
$
$
$
44.67
285.37
291.85
103.72
76.07

$ 1,160.00
$
593.82
$ 5,149.50
$ 1,160.00
$
593.82
$ 5,149.50
$
$
$
1,160.00
593.82
5,149.50
$
$
$
1,160.00
593.82
5,149.50
$ 1,160.00
$
593.82
$ 5,149.50
T otal Expenses
$ 1,160.00
$
593.82
$ 5,149.50
$ 1,160.00
$
593.82
$ 5,149.50
Surplus / (Deficit)
0.50
0.50
Total Sav ings/(Debt)
$
$
0.50
-
1.00
$ 6,000.00 Paid off

$ 1,000.00 Paid off
$ 12,619.08 Paid off
$ 19,225.00 Paid off
$ 1,969.78 Paid off
$ 1,876.97 Paid off
### Paid off
$ 49,612.40 Paid off
$
$
### $
465.00 $
### $
### $
### $
450.00
465.00
30.00
20.00
15.00
### $
### $
60.00 $
### $
### $
70.00
200.00
60.00
25.00
275.00
85.00 $
85.00 $
### $
### $
169.00 $
85.00
85.00
30.00
615.00
169.00
$
$
$
$
$
44.67
285.37
291.85
103.72
76.07
$
$
$
$
$
44.67
285.37
291.85
103.72
76.07
$
$
$
1,160.00
593.82
5,149.50
$
$
### $
465.00 $
### $
### $
### $
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
### $
### $
60.00 $
### $
### $
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
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275.00
$
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$
$
$
70.00
200.00
60.00
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275.00
$
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70.00
200.00
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275.00
$
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70.00
200.00
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275.00
$
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275.00
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200.00
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275.00
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200.00
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275.00
$
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275.00
$
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$
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$
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200.00
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$
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$
70.00
200.00
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$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 1,838.83
$
593.82
$ 5,149.50
$ 2,099.98
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
1.50
2.00
2.50
3.00
3.50
4.00
4.50
5.00
5.50
6.00
6.50
7.00
7.50
8.00
8.50
9.00
9.50
10.00
10.50
11.00
11.50
12.00
12.50
13.00
13.50
14.00
14.50
15.00
15.50
16.00
16.50
17.00
17.50
18.00
18.50
19.00
19.50
20.00
20.50
21.00
21.50
22.00
22.50
23.00
23.50
24.00
24.50
25.00
25.50
26.00
26.50
27.00
27.50
28.00
28.50
29.00
29.50
30.00
30.50
31.00
31.50
32.00
32.50
33.00
33.50
34.00
34.50
35.00
35.50
36.00
36.50
37.00
37.50
38.00
38.50
39.00
39.50
40.00
40.50
41.00
41.50
42.00
42.50
43.00
43.50
44.00
44.50
45.00
45.50
Debt
CC #1 (12% APR)
CC #2 (15% APR)
CC #3 (11% APR)
Gas CC (12% APR)
$ 1,160.00
$
593.82
$ 5,149.50
May-19
Nov-17
May-20
May-22
Jun-17
Feb-18
Nov-23
Jun-24
Min Pay
A Little Extra Saves (in Yrs)
4.17
3.83
0.33
3.08
2.33
0.75
5.08
4.83
0.25
7.08
6.83
0.25
2.17
1.92
0.25
3.08
2.58
0.50
12.42
8.33
4.08
12.00
9.08
2.92
9.33 Total Years Until Debt-Free
2024
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
Jul
Total
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$
$
$
$
$
450.00
465.00
30.00
20.00
15.00
$ 48,600.00
$ 50,220.00
$ 3,240.00
$ 2,160.00
$ 1,620.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$
$
$
$
$
70.00
200.00
60.00
25.00
275.00
$ 7,560.00
$ 21,600.00
$ 6,480.00
$ 2,700.00
$ 29,700.00
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$
$
$
$
$
85.00
85.00
30.00
615.00
-
$ 9,180.00
$ 9,180.00
$ 3,240.00
$ 66,420.00
$ 7,617.44
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 2,130.68
$
593.82
$ 5,149.50
$ 1,110.01
$ 1,614.49
$ 5,149.50
$
$ 2,724.50
$ 5,149.50
$
$ 2,724.50
$ 5,149.50
$
$ 2,724.50
$ 5,149.50
$
$ 2,724.50
$ 5,149.50
$
$ 2,724.50
$ 5,149.50
$
$ 2,724.50
$ 5,149.50
$
$ 2,724.50
$ 5,149.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
874.44
46.00
46.50
47.00
47.50
48.00
48.50
49.00
49.50
50.00
50.50
51.00
51.50
52.00
52.50
53.00
53.50
$
$ 1,850.56
$ 4,275.56
927.94
$ 1,224.92
$ 16,538.49
$ 23,670.55
$ 2,299.01
$ 2,333.82
$ 158,363.11
$ 81,324.73
$ 555,272.06

FIN 101-09
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
First Mortgage
Balance Payment
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
$99,663.34
$99,012.66
$98,358.72
$97,701.51
$97,041.02
$96,377.22
$95,710.11
$95,039.66
$94,365.86
$93,688.69
$93,008.13
$92,324.17
$91,636.79
$90,945.98
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
Second
Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
597.06
594.30
591.53
588.74
585.94
583.13
580.30
577.45
574.60
571.72
568.84
565.94
563.02
560.09
557.15
554.19
551.21
548.22
545.22
542.20
539.17
536.12
533.05
529.97
526.88
523.77
520.64
517.50
514.34
511.17
507.98
504.78
501.55
498.32
495.06
491.79
488.51
485.21
481.89
478.55
475.20
471.83
468.44
465.04
461.62
458.18
454.73
Principal
$551.94
$554.70
$557.47
$560.26
$563.06
$565.87
$568.70
$571.55
$574.40
$577.28
$580.16
$583.06
$585.98
$588.91
$591.85
$594.81
$597.79
$600.78
$603.78
$606.80
$609.83
$612.88
$615.95
$619.03
$622.12
$625.23
$628.36
$631.50
$634.66
$637.83
$641.02
$644.22
$647.45
$650.68
$653.94
$657.21
$660.49
$663.79
$667.11
$670.45
$673.80
$677.17
$680.56
$683.96
$687.38
$690.82
$694.27
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
$90,251.71
$89,553.97
$88,852.74
$88,148.00
$87,439.74
$86,727.94
$86,012.58
$85,293.64
$84,571.11
$83,844.97
$83,115.19
$82,381.77
$81,644.67
$80,903.90
$80,159.42
$79,411.21
$78,659.27
$77,903.57
$77,144.09
$76,380.81
$75,613.71
$74,842.78
$74,067.99
$73,289.33
$72,506.78
$71,720.31
$70,929.91
$70,135.56
$69,337.24
$68,534.93
$67,728.60
$66,918.25
$66,103.84
$65,285.36
$64,462.78
$63,636.10
$62,805.28
$61,970.30
$61,131.15
$60,287.81
$59,440.25
$58,588.45
$57,732.39
$56,872.06
$56,007.42
$55,138.45
$54,265.14
$53,387.47
$52,505.41
$51,618.93
$50,728.03
$49,832.67
$48,932.83
$48,028.50
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
451.26
447.77
444.26
440.74
437.20
433.64
430.06
426.47
422.86
419.22
415.58
411.91
408.22
404.52
400.80
397.06
393.30
389.52
385.72
381.90
378.07
374.21
370.34
366.45
362.53
358.60
354.65
350.68
346.69
342.67
338.64
334.59
330.52
326.43
322.31
318.18
314.03
309.85
305.66
301.44
297.20
292.94
288.66
284.36
280.04
275.69
271.33
266.94
262.53
258.09
253.64
249.16
244.66
240.14
$697.74
$701.23
$704.74
$708.26
$711.80
$715.36
$718.94
$722.53
$726.14
$729.78
$733.42
$737.09
$740.78
$744.48
$748.20
$751.94
$755.70
$759.48
$763.28
$767.10
$770.93
$774.79
$778.66
$782.55
$786.47
$790.40
$794.35
$798.32
$802.31
$806.33
$810.36
$814.41
$818.48
$822.57
$826.69
$830.82
$834.97
$839.15
$843.34
$847.56
$851.80
$856.06
$860.34
$864.64
$868.96
$873.31
$877.67
$882.06
$886.47
$890.91
$895.36
$899.84
$904.34
$908.86
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
$47,119.64
$46,206.24
$45,288.27
$44,365.71
$43,438.54
$42,506.73
$41,570.27
$40,629.12
$39,683.26
$38,732.68
$37,777.34
$36,817.23
$35,852.31
$34,882.58
$33,907.99
$32,928.53
$31,944.17
$30,954.89
$29,960.67
$28,961.47
$27,957.28
$26,948.06
$25,933.80
$24,914.47
$23,890.05
$22,860.50
$21,825.80
$20,785.93
$19,740.86
$18,690.56
$17,635.01
$16,574.19
$15,508.06
$14,436.60
$13,359.78
$12,277.58
$11,189.97
$10,096.92
$8,998.40
$7,894.40
$6,784.87
$5,669.79
$4,549.14
$3,422.89
$2,291.00
$1,153.46
$10.22
$10.22
Total
12.42 Years
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$10.22
$ 235.60
$ 231.03
$ 226.44
$ 221.83
$ 217.19
$ 212.53
$ 207.85
$ 203.15
$ 198.42
$ 193.66
$ 188.89
$ 184.09
$ 179.26
$ 174.41
$ 169.54
$ 164.64
$ 159.72
$ 154.77
$ 149.80
$ 144.81
$ 139.79
$ 134.74
$ 129.67
$ 124.57
$ 119.45
$ 114.30
$ 109.13
$ 103.93
$
98.70
$
93.45
$
88.18
$
82.87
$
77.54
$
72.18
$
66.80
$
61.39
$
55.95
$
50.48
$
44.99
$
39.47
$
33.92
$
28.35
$
22.75
$
17.11
$
11.46
$
5.77
$
0.05
$
0.05
$49,500.76
$913.40
$917.97
$922.56
$927.17
$931.81
$936.47
$941.15
$945.85
$950.58
$955.34
$960.11
$964.91
$969.74
$974.59
$979.46
$984.36
$989.28
$994.23
$999.20
$1,004.19
$1,009.21
$1,014.26
$1,019.33
$1,024.43
$1,029.55
$1,034.70
$1,039.87
$1,045.07
$1,050.30
$1,055.55
$1,060.82
$1,066.13
$1,071.46
$1,076.82
$1,082.20
$1,087.61
$1,093.05
$1,098.52
$1,104.01
$1,109.53
$1,115.08
$1,120.65
$1,126.25
$1,131.89
$1,137.54
$1,143.23
$1,148.95
$10.17
###
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
12
Second Mortgage
Balance Payment Interest
$49,612.40
$49,422.34
$49,230.79
$49,037.71
$48,843.10
$48,646.96
$48,449.26
$48,250.00
$48,049.16
$47,846.73
$47,642.69
$47,437.04
$47,229.77
$47,020.85
$46,810.28
$46,598.04
$46,384.12
$46,168.51
$45,951.19
$45,732.15
$45,511.37
$45,288.85
$45,064.57
$44,838.51
$44,610.66
$44,381.01
$44,149.54
$43,916.24
$43,681.09
$43,444.08
$43,205.19
$42,964.41
$42,721.72
$42,477.12
$42,230.57
$41,982.08
$41,731.62
$41,479.17
$41,224.73
$40,968.27
$40,709.78
$40,449.25
$40,186.65
$39,921.98
$39,655.21
$39,386.32
$39,115.31
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
392.76
391.26
389.74
388.22
386.67
385.12
383.56
381.98
380.39
378.79
377.17
375.54
373.90
372.25
370.58
368.90
367.21
365.50
363.78
362.05
360.30
358.54
356.76
354.97
353.17
351.35
349.52
347.67
345.81
343.93
342.04
340.13
338.21
336.28
334.33
332.36
330.38
328.38
326.36
324.33
322.29
320.22
318.14
316.05
313.94
311.81
309.66
Principal
$190.06
$191.56
$193.08
$194.60
$196.15
$197.70
$199.26
$200.84
$202.43
$204.03
$205.65
$207.28
$208.92
$210.57
$212.24
$213.92
$215.61
$217.32
$219.04
$220.77
$222.52
$224.28
$226.06
$227.85
$229.65
$231.47
$233.30
$235.15
$237.01
$238.89
$240.78
$242.69
$244.61
$246.54
$248.49
$250.46
$252.44
$254.44
$256.46
$258.49
$260.53
$262.60
$264.68
$266.77
$268.88
$271.01
$273.16
$38,842.16
$38,566.84
$38,289.34
$38,009.64
$37,727.73
$37,443.59
$37,157.20
$36,868.54
$36,577.59
$36,284.35
$35,988.78
$35,690.87
$35,390.60
$35,087.96
$34,782.92
$34,475.46
$34,165.57
$33,853.23
$33,538.41
$33,221.11
$32,901.29
$32,578.94
$32,254.03
$31,926.56
$31,596.49
$31,263.81
$30,928.49
$30,590.52
$30,249.88
$29,906.54
$29,560.48
$29,211.68
$28,860.12
$28,505.77
$28,148.62
$27,788.65
$27,425.82
$27,060.12
$26,691.53
$26,320.01
$25,945.56
$25,568.14
$25,187.74
$24,804.32
$24,417.87
$24,028.36
$23,635.76
$23,240.06
$22,841.22
$22,439.23
$22,034.05
$21,625.67
$21,214.05
$20,799.18
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
307.50
305.32
303.12
300.91
298.68
296.43
294.16
291.88
289.57
287.25
284.91
282.55
280.18
277.78
275.36
272.93
270.48
268.00
265.51
263.00
260.47
257.92
255.34
252.75
250.14
247.51
244.85
242.17
239.48
236.76
234.02
231.26
228.48
225.67
222.84
219.99
217.12
214.23
211.31
208.37
205.40
202.41
199.40
196.37
193.31
190.22
187.12
183.98
180.83
177.64
174.44
171.20
167.94
164.66
$275.32
$277.50
$279.70
$281.91
$284.14
$286.39
$288.66
$290.94
$293.25
$295.57
$297.91
$300.27
$302.64
$305.04
$307.46
$309.89
$312.34
$314.82
$317.31
$319.82
$322.35
$324.90
$327.48
$330.07
$332.68
$335.31
$337.97
$340.65
$343.34
$346.06
$348.80
$351.56
$354.34
$357.15
$359.98
$362.83
$365.70
$368.59
$371.51
$374.45
$377.42
$380.41
$383.42
$386.45
$389.51
$392.60
$395.70
$398.84
$401.99
$405.18
$408.38
$411.62
$414.88
$418.16
$20,381.02
$19,959.54
$19,534.74
$19,106.57
$18,675.01
$18,240.03
$17,801.61
$17,359.72
$16,914.33
$16,465.42
$16,012.95
$15,556.90
$15,097.24
$14,633.94
$14,166.97
$13,696.30
$13,221.91
$12,743.77
$12,261.84
$11,776.09
$11,286.50
$10,793.03
$10,295.65
$9,794.34
$9,289.06
$8,779.78
$8,266.46
$7,749.08
$7,227.61
$6,702.01
$6,172.25
$5,638.29
$5,100.11
$4,557.66
$4,010.93
$3,459.86
$2,904.43
$2,344.60
$1,780.34
$1,211.62
$638.39
$60.62
$60.62
Total
Years
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$60.62
$ 161.35
$ 158.01
$ 154.65
$ 151.26
$ 147.84
$ 144.40
$ 140.93
$ 137.43
$ 133.91
$ 130.35
$ 126.77
$ 123.16
$ 119.52
$ 115.85
$ 112.16
$ 108.43
$ 104.67
$ 100.89
$
97.07
$
93.23
$
89.35
$
85.44
$
81.51
$
77.54
$
73.54
$
69.51
$
65.44
$
61.35
$
57.22
$
53.06
$
48.86
$
44.64
$
40.38
$
36.08
$
31.75
$
27.39
$
22.99
$
18.56
$
14.09
$
9.59
$
5.05
$
0.48
$
0.48
$33,209.62
$421.47
$424.81
$428.17
$431.56
$434.98
$438.42
$441.89
$445.39
$448.91
$452.47
$456.05
$459.66
$463.30
$466.97
$470.66
$474.39
$478.15
$481.93
$485.75
$489.59
$493.47
$497.38
$501.31
$505.28
$509.28
$513.31
$517.38
$521.47
$525.60
$529.76
$533.96
$538.18
$542.44
$546.74
$551.07
$555.43
$559.83
$564.26
$568.73
$573.23
$577.77
$582.34
$60.14
$50,194.26

FIN 101-09
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
First Mortgage
Balance Payment
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
$99,467.39
$98,580.27
$97,688.71
$96,792.70
$95,892.20
$94,987.20
$94,077.68
$93,163.60
$92,244.96
$91,321.73
$90,393.88
$89,461.38
$88,524.23
$87,582.39
$86,635.85
$85,528.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,160.00
$1,246.55
$1,263.72
$1,263.72
$1,263.72
$1,263.72
$1,289.56
$1,308.39
$1,308.39
$1,332.74
$1,384.46
$1,384.46
$1,384.46
$1,384.46
$1,384.46
$1,384.46
$1,384.46
$1,384.46
$1,384.46
$1,384.46
$1,384.46
$1,384.46
$1,384.46
$1,384.46
$1,541.02
$1,553.46
Second
Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
597.06
594.25
591.42
588.58
585.72
582.85
579.96
577.06
574.15
571.22
568.27
565.32
562.34
559.35
556.35
553.33
550.30
547.25
544.19
541.11
538.01
534.90
531.78
528.20
524.53
520.83
517.12
513.38
509.50
505.51
501.49
497.34
492.90
488.44
483.96
479.46
474.94
470.39
465.82
461.22
456.61
451.97
447.31
442.62
437.91
433.18
427.64
Principal
$562.94
$565.75
$568.58
$571.42
$574.28
$577.15
$580.04
$582.94
$585.85
$588.78
$591.73
$594.68
$597.66
$600.65
$603.65
$606.67
$609.70
$612.75
$615.81
$618.89
$621.99
$625.10
$714.77
$735.52
$739.19
$742.89
$746.60
$776.18
$798.89
$802.88
$831.25
$887.12
$891.56
$896.02
$900.50
$905.00
$909.52
$914.07
$918.64
$923.24
$927.85
$932.49
$937.15
$941.84
$946.55
$1,107.84
$1,125.82
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
$84,402.18
$83,270.74
$82,133.63
$80,990.84
$79,842.33
$78,688.08
$77,528.06
$76,362.24
$75,190.59
$74,013.09
$72,829.69
$71,627.41
$70,146.72
$68,658.62
$67,163.09
$65,660.07
$64,149.54
$62,631.46
$61,105.79
$59,572.49
$58,031.52
$56,482.85
$54,926.43
$53,362.23
$51,790.21
$50,210.33
$48,622.56
$47,026.84
$45,423.14
$43,811.43
$42,191.66
$40,563.78
$38,927.77
$37,283.58
$35,631.17
$33,709.35
$31,747.21
$29,775.27
$27,793.46
$25,801.75
$23,800.08
$21,788.40
$19,766.66
$17,734.82
$15,692.81
$13,640.59
$11,578.12
$9,505.33
$7,422.17
$5,328.61
$3,224.57
$1,110.01
$1,110.01
Total
$1,553.46
$1,553.46
$1,553.46
$1,553.46
$1,553.46
$1,553.46
$1,553.46
$1,553.46
$1,553.46
$1,553.46
$1,566.43
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$1,838.83
$2,099.98
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$2,130.68
$1,110.01
$ 422.01
$ 416.35
$ 410.67
$ 404.95
$ 399.21
$ 393.44
$ 387.64
$ 381.81
$ 375.95
$ 370.07
$ 364.15
$ 358.14
$ 350.73
$ 343.29
$ 335.82
$ 328.30
$ 320.75
$ 313.16
$ 305.53
$ 297.86
$ 290.16
$ 282.41
$ 274.63
$ 266.81
$ 258.95
$ 251.05
$ 243.11
$ 235.13
$ 227.12
$ 219.06
$ 210.96
$ 202.82
$ 194.64
$ 186.42
$ 178.16
$ 168.55
$ 158.74
$ 148.88
$ 138.97
$ 129.01
$ 119.00
$ 108.94
$
98.83
$
88.67
$
78.46
$
68.20
$
57.89
$
47.53
$
37.11
$
26.64
$
16.12
$
5.55
$
5.55
$36,830.95
$1,131.45
$1,137.11
$1,142.79
$1,148.51
$1,154.25
$1,160.02
$1,165.82
$1,171.65
$1,177.51
$1,183.39
$1,202.28
$1,480.69
$1,488.10
$1,495.54
$1,503.01
$1,510.53
$1,518.08
$1,525.67
$1,533.30
$1,540.97
$1,548.67
$1,556.42
$1,564.20
$1,572.02
$1,579.88
$1,587.78
$1,595.72
$1,603.70
$1,611.71
$1,619.77
$1,627.87
$1,636.01
$1,644.19
$1,652.41
$1,921.82
$1,962.13
$1,971.94
$1,981.80
$1,991.71
$2,001.67
$2,011.68
$2,021.74
$2,031.85
$2,042.01
$2,052.22
$2,062.48
$2,072.79
$2,083.15
$2,093.57
$2,104.04
$2,114.56
$2,125.13
$1,104.46
###
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
8.33 Years
102
103
104
105
106
107
108
109
9.08
Second Mortgage
$49,612.40
$49,411.34
$49,208.70
$49,004.45
$48,798.58
$48,591.08
$48,381.94
$48,171.14
$47,958.68
$47,744.53
$47,528.69
$47,311.14
$47,091.86
$46,870.86
$46,648.10
$46,423.57
$46,197.27
$45,969.18
$45,739.28
$45,507.57
$45,274.02
$45,038.61
$44,801.35
$44,562.21
$44,321.17
$44,078.23
$43,833.36
$43,586.55
$43,337.79
$43,087.07
$42,834.35
$42,579.64
$42,322.91
$42,064.14
$41,803.33
$41,540.45
$41,275.49
$41,008.44
$40,739.27
$40,467.97
$40,194.52
$39,918.91
$39,641.11
$39,361.12
$39,078.91
$38,794.46
$38,507.76
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
392.76
391.17
389.57
387.95
386.32
384.68
383.02
381.35
379.67
377.98
376.27
374.55
372.81
371.06
369.30
367.52
365.73
363.92
362.10
360.27
358.42
356.56
354.68
352.78
350.88
348.95
347.01
345.06
343.09
341.11
339.11
337.09
335.06
333.01
330.94
328.86
326.76
324.65
322.52
320.37
318.21
316.02
313.83
311.61
309.37
307.12
304.85
Principal
$201.06
$202.65
$204.25
$205.87
$207.50
$209.14
$210.80
$212.47
$214.15
$215.84
$217.55
$219.27
$221.01
$222.76
$224.52
$226.30
$228.09
$229.90
$231.72
$233.55
$235.40
$237.26
$239.14
$241.04
$242.94
$244.87
$246.81
$248.76
$250.73
$252.71
$254.71
$256.73
$258.76
$260.81
$262.88
$264.96
$267.06
$269.17
$271.30
$273.45
$275.61
$277.80
$279.99
$282.21
$284.45
$286.70
$288.97
$38,218.80
$37,927.54
$37,633.98
$37,338.10
$37,039.87
$36,739.28
$36,436.32
$36,130.95
$35,823.17
$35,512.95
$35,200.27
$34,885.12
$34,567.47
$34,247.31
$33,924.62
$33,599.37
$33,271.54
$32,941.12
$32,608.09
$32,272.41
$31,934.08
$31,593.07
$31,249.37
$30,902.94
$30,553.76
$30,201.83
$29,847.11
$29,489.58
$29,129.22
$28,766.00
$28,399.91
$28,030.92
$27,659.02
$27,284.16
$26,906.34
$26,525.53
$26,141.71
$25,754.84
$25,364.91
$24,971.90
$24,575.77
$24,176.51
$23,774.09
$23,368.48
$22,959.66
$22,547.60
$22,132.29
$21,713.68
$21,291.76
$20,866.50
$20,437.87
$20,005.85
$19,570.41
$19,131.53
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$593.82
$1,614.49
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
302.57
300.26
297.94
295.59
293.23
290.85
288.45
286.04
283.60
281.14
278.67
276.17
273.66
271.12
268.57
265.99
263.40
260.78
258.15
255.49
252.81
250.11
247.39
244.65
241.88
239.10
236.29
233.46
230.61
227.73
224.83
221.91
218.97
216.00
213.01
209.99
206.96
203.89
200.81
197.69
194.56
191.40
188.21
185.00
181.76
178.50
175.21
171.90
168.56
165.19
161.80
158.38
154.93
151.46
$291.25
$293.56
$295.88
$298.23
$300.59
$302.97
$305.37
$307.78
$310.22
$312.68
$315.15
$317.65
$320.16
$322.70
$325.25
$327.83
$330.42
$333.04
$335.67
$338.33
$341.01
$343.71
$346.43
$349.17
$351.94
$354.72
$357.53
$360.36
$363.21
$366.09
$368.99
$371.91
$374.85
$377.82
$380.81
$383.83
$386.86
$389.93
$393.01
$396.13
$399.26
$402.42
$405.61
$408.82
$412.06
$415.32
$418.61
$421.92
$425.26
$428.63
$432.02
$435.44
$438.89
$1,463.03
$17,668.49
$15,083.87
$12,478.78
$9,853.07
$7,206.58
$4,539.13
$1,850.56
$1,850.56
Total
Years
$2,724.50
$2,724.50
$2,724.50
$2,724.50
$2,724.50
$2,724.50
$2,724.50
$1,850.56
$ 139.88
$ 119.41
$
98.79
$
78.00
$
57.05
$
35.93
$
14.65
$
14.65
$29,610.95
$2,584.62
$2,605.09
$2,625.71
$2,646.50
$2,667.45
$2,688.57
$2,709.85
$1,835.91
$52,307.60

FIN 101-09
Min Pay w/Interest
CC #1
CC #2
CC #3
Credit Union Loan
Gas CC
Medical Bill
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
Due
$
$
$
$
$
$
6,000.00
1,000.00
12,619.08
19,225.00
1,969.78
1,876.97
Min Pay
APR
$ 158.00
$
34.67
$ 274.37
$ 280.85
$
92.72
$
65.07
CC #1
Balance
Payment
$6,000.00
$5,902.00
$5,803.02
$5,703.05
$5,602.08
$5,500.10
$5,397.10
$5,293.07
$5,188.00
$5,081.88
$4,974.70
$4,866.45
$4,757.11
$4,646.69
$4,535.15
$4,422.50
$4,308.73
$4,193.82
$4,077.75
$3,960.53
$3,842.14
$3,722.56
$3,601.78
$3,479.80
$3,356.60
$3,232.17
$3,106.49
$2,979.55
$2,851.35
$2,721.86
$2,591.08
$2,458.99
$2,325.58
$2,190.84
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
12%
15%
11%
6%
12%
15%
Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
60.00
59.02
58.03
57.03
56.02
55.00
53.97
52.93
51.88
50.82
49.75
48.66
47.57
46.47
45.35
44.23
43.09
41.94
40.78
39.61
38.42
37.23
36.02
34.80
33.57
32.32
31.06
29.80
28.51
27.22
25.91
24.59
23.26
21.91
Interest
Principal
$
18.96 $ 139.04
$
5.20 $
29.47
$
30.18 $ 244.19
$
16.85 $ 264.00
$
11.13 $
81.59
$
9.76 $
55.31
Principal
$98.00
$98.98
$99.97
$100.97
$101.98
$103.00
$104.03
$105.07
$106.12
$107.18
$108.25
$109.34
$110.43
$111.53
$112.65
$113.77
$114.91
$116.06
$117.22
$118.39
$119.58
$120.77
$121.98
$123.20
$124.43
$125.68
$126.94
$128.20
$129.49
$130.78
$132.09
$133.41
$134.74
$136.09
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
$2,054.75
$1,917.29
$1,778.47
$1,638.25
$1,496.63
$1,353.60
$1,209.14
$1,063.23
$915.86
$767.02
$616.69
$464.85
$311.50
$156.62
$0.18
$0.18
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
Total
4.17 Years
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$0.18
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
20.55
19.17
17.78
16.38
14.97
13.54
12.09
10.63
9.16
7.67
6.17
4.65
3.12
1.57
0.00
0.00
$1,584.19
$137.45
$138.83
$140.22
$141.62
$143.03
$144.46
$145.91
$147.37
$148.84
$150.33
$151.83
$153.35
$154.88
$156.43
$158.00
$0.18
$6,158.00
35
36
37
3.08
Balance
$1,000.00
$977.83
$955.38
$932.66
$909.64
$886.34
$862.75
$838.87
$814.68
$790.20
$765.40
$740.30
$714.89
$689.15
$663.10
$636.71
$610.00
$582.96
$555.58
$527.85
$499.78
$471.36
$442.58
$413.44
$383.94
$354.07
$323.82
$293.20
$262.20
$230.80
$199.02
$166.84
$134.25
$101.26
CC #2
Payment
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
12.50
12.22
11.94
11.66
11.37
11.08
10.78
10.49
10.18
9.88
9.57
9.25
8.94
8.61
8.29
7.96
7.63
7.29
6.94
6.60
6.25
5.89
5.53
5.17
4.80
4.43
4.05
3.67
3.28
2.89
2.49
2.09
1.68
1.27
Principal
$22.17
$22.45
$22.73
$23.01
$23.30
$23.59
$23.89
$24.18
$24.49
$24.79
$25.10
$25.42
$25.73
$26.06
$26.38
$26.71
$27.04
$27.38
$27.73
$28.07
$28.42
$28.78
$29.14
$29.50
$29.87
$30.24
$30.62
$31.00
$31.39
$31.78
$32.18
$32.58
$32.99
$33.40
Month
Balance
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
$12,619.08
$12,460.38
$12,300.24
$12,138.62
$11,975.52
$11,810.92
$11,644.82
$11,477.19
$11,308.03
$11,137.32
$10,965.04
$10,791.18
$10,615.73
$10,438.67
$10,259.99
$10,079.67
$9,897.70
$9,714.06
$9,528.73
$9,341.71
$9,152.97
$8,962.50
$8,770.29
$8,576.32
$8,380.56
$8,183.01
$7,983.65
$7,782.47
$7,579.44
$7,374.55
$7,167.78
$6,959.11
$6,748.53
$6,536.02
CC #3
Payment
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$67.86
$34.03
$34.03
Total
Years
$34.67
$34.67
$34.03
$
$
$
0.85
0.43
0.43
$248.33
$33.82
$34.24
$33.61
$1,033.82
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
$6,321.57
$6,105.14
$5,886.74
$5,666.33
$5,443.90
$5,219.43
$4,992.91
$4,764.31
$4,533.61
$4,300.80
$4,065.85
$3,828.75
$3,589.48
$3,348.01
$3,104.33
$2,858.42
$2,610.25
$2,359.81
$2,107.07
$1,852.01
$1,594.62
$1,334.87
$1,072.74
$808.20
$541.24
$271.83
$271.83
Total
5.08 Years
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$271.83
CC #3
Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
115.67
114.22
112.75
111.27
109.78
108.27
106.74
105.21
103.66
102.09
100.51
98.92
97.31
95.69
94.05
92.40
90.73
89.05
87.35
85.63
83.90
82.16
80.39
78.62
76.82
75.01
73.18
71.34
69.48
67.60
65.70
63.79
61.86
59.91
Principal
$158.70
$160.15
$161.62
$163.10
$164.59
$166.10
$167.63
$169.16
$170.71
$172.28
$173.86
$175.45
$177.06
$178.68
$180.32
$181.97
$183.64
$185.32
$187.02
$188.74
$190.47
$192.21
$193.98
$195.75
$197.55
$199.36
$201.19
$203.03
$204.89
$206.77
$208.67
$210.58
$212.51
$214.46
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
Credit Union Loan

$19,225.00
$19,040.28
$18,854.63
$18,668.05
$18,480.54
$18,292.09
$18,102.70
$17,912.37
$17,721.08
$17,528.83
$17,335.63
$17,141.46
$16,946.31
$16,750.19
$16,553.10
$16,355.01
$16,155.94
$15,955.87
$15,754.80
$15,552.72
$15,349.63
$15,145.53
$14,940.41
$14,734.26
$14,527.08
$14,318.87
$14,109.61
$13,899.31
$13,687.96
$13,475.55
$13,262.07
$13,047.53
$12,831.92
$12,615.23
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
96.13
95.20
94.27
93.34
92.40
91.46
90.51
89.56
88.61
87.64
86.68
85.71
84.73
83.75
82.77
81.78
80.78
79.78
78.77
77.76
76.75
75.73
74.70
73.67
72.64
71.59
70.55
69.50
68.44
67.38
66.31
65.24
64.16
63.08
Principal
$184.73
$185.65
$186.58
$187.51
$188.45
$189.39
$190.34
$191.29
$192.24
$193.21
$194.17
$195.14
$196.12
$197.10
$198.08
$199.07
$200.07
$201.07
$202.08
$203.09
$204.10
$205.12
$206.15
$207.18
$208.21
$209.26
$210.30
$211.35
$212.41
$213.47
$214.54
$215.61
$216.69
$217.77
$
57.95
$
55.96
$
53.96
$
51.94
$
49.90
$
47.84
$
45.77
$
43.67
$
41.56
$
39.42
$
37.27
$
35.10
$
32.90
$
30.69
$
28.46
$
26.20
$
23.93
$
21.63
$
19.31
$
16.98
$
14.62
$
12.24
$
9.83
$
7.41
$
4.96
$
2.49
$
2.49
$ 3,845.56
$216.42
$218.41
$220.41
$222.43
$224.47
$226.53
$228.60
$230.70
$232.81
$234.95
$237.10
$239.27
$241.47
$243.68
$245.91
$248.17
$250.44
$252.74
$255.06
$257.39
$259.75
$262.13
$264.54
$266.96
$269.41
$271.88
$269.34
$12,888.47
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
$12,397.46
$12,178.60
$11,958.64
$11,737.58
$11,515.42
$11,292.15
$11,067.76
$10,842.25
$10,615.61
$10,387.83
$10,158.92
$9,928.87
$9,697.66
$9,465.30
$9,231.78
$8,997.09
$8,761.22
$8,524.18
$8,285.95
$8,046.53
$7,805.91
$7,564.09
$7,321.06
$7,076.82
$6,831.35
$6,584.66
$6,336.73
$6,087.56
$5,837.15
$5,585.49
$5,332.57
$5,078.38
$4,822.92
$4,566.19
$4,308.17
$4,048.86
$3,788.25
$3,526.34
$3,263.12
$2,998.59
$2,732.73
$2,465.55
$2,197.02
$1,927.16
$1,655.95
$1,383.37
$1,109.44
$834.14
$557.46
$279.40
$279.40
Total
7.08 Years
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$279.40
$
61.99
$
60.89
$
59.79
$
58.69
$
57.58
$
56.46
$
55.34
$
54.21
$
53.08
$
51.94
$
50.79
$
49.64
$
48.49
$
47.33
$
46.16
$
44.99
$
43.81
$
42.62
$
41.43
$
40.23
$
39.03
$
37.82
$
36.61
$
35.38
$
34.16
$
32.92
$
31.68
$
30.44
$
29.19
$
27.93
$
26.66
$
25.39
$
24.11
$
22.83
$
21.54
$
20.24
$
18.94
$
17.63
$
16.32
$
14.99
$
13.66
$
12.33
$
10.99
$
9.64
$
8.28
$
6.92
$
5.55
$
4.17
$
2.79
$
1.40
$
1.40
$ 4,367.74
$218.86
$219.96
$221.06
$222.16
$223.27
$224.39
$225.51
$226.64
$227.77
$228.91
$230.06
$231.21
$232.36
$233.52
$234.69
$235.86
$237.04
$238.23
$239.42
$240.62
$241.82
$243.03
$244.24
$245.47
$246.69
$247.93
$249.17
$250.41
$251.66
$252.92
$254.19
$255.46
$256.74
$258.02
$259.31
$260.61
$261.91
$263.22
$264.53
$265.86
$267.19
$268.52
$269.86
$271.21
$272.57
$273.93
$275.30
$276.68
$278.06
$279.45
$278.00
$19,503.06
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
Balance
$1,969.78
$1,896.76
$1,823.01
$1,748.52
$1,673.28
$1,597.29
$1,520.55
$1,443.03
$1,364.74
$1,285.67
$1,205.81
$1,125.14
$1,043.68
$961.39
$878.29
$794.35
$709.57
$623.95
$537.47
$450.12
$361.90
$272.80
$182.81
$91.92
$0.12
$0.12
Total
2.17 Years
Gas CC
Payment
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$0.12
M
Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
19.70
18.97
18.23
17.49
16.73
15.97
15.21
14.43
13.65
12.86
12.06
11.25
10.44
9.61
8.78
7.94
7.10
6.24
5.37
4.50
3.62
2.73
1.83
0.92
0.00
0.00
255.62
Principal
$73.02
$73.75
$74.49
$75.23
$75.99
$76.75
$77.51
$78.29
$79.07
$79.86
$80.66
$81.47
$82.28
$83.11
$83.94
$84.78
$85.62
$86.48
$87.35
$88.22
$89.10
$89.99
$90.89
$91.80
$92.72
$0.12
$2,062.50
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
3.08
Medical Bill
$1,876.97
$1,835.36
$1,793.23
$1,750.58
$1,707.39
$1,663.66
$1,619.39
$1,574.56
$1,529.17
$1,483.22
$1,436.69
$1,389.58
$1,341.88
$1,293.58
$1,244.68
$1,195.17
$1,145.04
$1,094.28
$1,042.89
$990.86
$938.17
$884.83
$830.82
$776.14
$720.77
$664.71
$607.95
$550.47
$492.29
$433.37
$373.72
$313.32
$252.16
$190.25
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
23.46
22.94
22.42
21.88
21.34
20.80
20.24
19.68
19.11
18.54
17.96
17.37
16.77
16.17
15.56
14.94
14.31
13.68
13.04
12.39
11.73
11.06
10.39
9.70
9.01
8.31
7.60
6.88
6.15
5.42
4.67
3.92
3.15
2.38
Principal
$41.61
$42.13
$42.65
$43.19
$43.73
$44.27
$44.83
$45.39
$45.96
$46.53
$47.11
$47.70
$48.30
$48.90
$49.51
$50.13
$50.76
$51.39
$52.03
$52.68
$53.34
$54.01
$54.68
$55.37
$56.06
$56.76
$57.47
$58.19
$58.92
$59.65
$60.40
$61.15
$61.92
$62.69
$127.55
$64.08
$64.08
Total
Years
$65.07
$65.07
$64.08
$
$
$
$
1.59
0.80
0.80
466.16
$63.48
$64.27
$63.28
$1,940.44

FIN 101-09
Pay Extra per Month
CC #1
CC #2
CC #3
Credit Union Loan
Gas CC
Medical Bill
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
Due
$
$
$
$
$
$
6,000.00
1,000.00
12,619.08
19,225.00
1,969.78
1,876.97
Min Pay
APR
$ 158.00
$
34.67
$ 274.37
$ 280.85
$
92.72
$
65.07
CC #1
Balance
Payment
$6,000.00
$5,891.00
$5,780.91
$5,669.72
$5,557.42
$5,443.99
$5,329.43
$5,213.72
$5,096.86
$4,978.83
$4,859.62
$4,739.22
$4,617.61
$4,494.78
$4,370.73
$4,245.44
$4,118.89
$3,991.08
$3,861.99
$3,731.61
$3,599.93
$3,466.93
$3,332.60
$3,196.92
$3,059.89
$2,921.49
$2,781.71
$2,640.52
$2,497.93
$2,353.91
$2,208.45
$2,061.53
$1,913.15
$1,763.28
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
12%
15%
11%
6%
12%
15%
Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
60.00
58.91
57.81
56.70
55.57
54.44
53.29
52.14
50.97
49.79
48.60
47.39
46.18
44.95
43.71
42.45
41.19
39.91
38.62
37.32
36.00
34.67
33.33
31.97
30.60
29.21
27.82
26.41
24.98
23.54
22.08
20.62
19.13
17.63
Interest
Principal
New Pay
$
18.96 $ 139.04 $ 169.00
$
5.20 $
29.47 $
44.67
$
30.18 $ 244.19 $ 285.37
$
16.85 $ 264.00 $ 291.85
$
11.13 $
81.59 $ 103.72
$
9.76 $
55.31 $
76.07
Principal
$109.00
$110.09
$111.19
$112.30
$113.43
$114.56
$115.71
$116.86
$118.03
$119.21
$120.40
$121.61
$122.82
$124.05
$125.29
$126.55
$127.81
$129.09
$130.38
$131.68
$133.00
$134.33
$135.67
$137.03
$138.40
$139.79
$141.18
$142.59
$144.02
$145.46
$146.92
$148.38
$149.87
$151.37
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
2.33
$1,611.91
$1,459.03
$1,304.62
$1,148.67
$991.15
$832.06
$671.39
$509.10
$345.19
$179.64
$12.44
$12.44
35
36
37
38
39
40
41
42
43
44
45
46
Total
3.83 Years
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$169.00
$12.44
$
16.12
$
14.59
$
13.05
$
11.49
$
9.91
$
8.32
$
6.71
$
5.09
$
3.45
$
1.80
$
0.12
$
0.12
$ 1,448.69
$152.88
$154.41
$155.95
$157.51
$159.09
$160.68
$162.29
$163.91
$165.55
$167.20
$168.88
$12.31
$6,168.75
Balance
$1,000.00
$967.83
$935.26
$902.28
$868.89
$835.08
$800.85
$766.19
$731.09
$695.56
$659.59
$623.16
$586.28
$548.94
$511.13
$472.85
$434.09
$394.85
$355.11
$314.88
$274.15
$232.91
$191.15
$148.87
$106.06
$62.71
$18.83
$18.83
Total
Years
CC #2
Payment
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$44.67
$18.83
Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
12.50
12.10
11.69
11.28
10.86
10.44
10.01
9.58
9.14
8.69
8.24
7.79
7.33
6.86
6.39
5.91
5.43
4.94
4.44
3.94
3.43
2.91
2.39
1.86
1.33
0.78
0.24
0.24
180.72
Principal
$32.17
$32.57
$32.98
$33.39
$33.81
$34.23
$34.66
$35.09
$35.53
$35.98
$36.43
$36.88
$37.34
$37.81
$38.28
$38.76
$39.24
$39.73
$40.23
$40.73
$41.24
$41.76
$42.28
$42.81
$43.34
$43.89
$44.43
$18.59
$1,044.20
Month
Balance
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
$12,619.08
$12,449.38
$12,278.13
$12,105.31
$11,930.91
$11,754.91
$11,577.29
$11,398.04
$11,217.16
$11,034.61
$10,850.39
$10,664.48
$10,476.87
$10,287.54
$10,096.47
$9,903.65
$9,709.07
$9,512.70
$9,314.52
$9,114.54
$8,912.72
$8,709.05
$8,503.51
$8,296.09
$8,086.77
$7,875.53
$7,662.35
$7,447.22
$7,230.11
$7,011.02
$6,789.92
$6,566.79
$6,341.61
$6,114.37
CC #3
Payment
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
$5,885.05
$5,653.63
$5,420.08
$5,184.40
$4,946.55
$4,706.53
$4,464.30
$4,219.85
$3,973.16
$3,724.21
$3,472.98
$3,219.45
$2,963.59
$2,705.39
$2,444.82
$2,181.86
$1,916.49
$1,648.68
$1,378.43
$1,105.69
$830.46
$552.70
$272.40
$272.40
Total
4.83 Years
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$285.37
$272.40
CC #3
Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
115.67
114.12
112.55
110.97
109.37
107.75
106.13
104.48
102.82
101.15
99.46
97.76
96.04
94.30
92.55
90.78
89.00
87.20
85.38
83.55
81.70
79.83
77.95
76.05
74.13
72.19
70.24
68.27
66.28
64.27
62.24
60.20
58.13
56.05
Principal
$169.70
$171.25
$172.82
$174.40
$176.00
$177.62
$179.24
$180.89
$182.55
$184.22
$185.91
$187.61
$189.33
$191.07
$192.82
$194.59
$196.37
$198.17
$199.99
$201.82
$203.67
$205.54
$207.42
$209.32
$211.24
$213.18
$215.13
$217.10
$219.09
$221.10
$223.13
$225.17
$227.24
$229.32
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
Credit Union Loan

$19,225.00
$19,029.28
$18,832.57
$18,634.88
$18,436.21
$18,236.54
$18,035.87
$17,834.20
$17,631.52
$17,427.83
$17,223.12
$17,017.39
$16,810.62
$16,602.83
$16,393.99
$16,184.11
$15,973.18
$15,761.20
$15,548.15
$15,334.04
$15,118.86
$14,902.61
$14,685.27
$14,466.85
$14,247.33
$14,026.72
$13,805.00
$13,582.18
$13,358.24
$13,133.18
$12,906.99
$12,679.68
$12,451.23
$12,221.63
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
96.13
95.15
94.16
93.17
92.18
91.18
90.18
89.17
88.16
87.14
86.12
85.09
84.05
83.01
81.97
80.92
79.87
78.81
77.74
76.67
75.59
74.51
73.43
72.33
71.24
70.13
69.03
67.91
66.79
65.67
64.53
63.40
62.26
61.11
Principal
$195.73
$196.70
$197.69
$198.68
$199.67
$200.67
$201.67
$202.68
$203.69
$204.71
$205.73
$206.76
$207.80
$208.84
$209.88
$210.93
$211.98
$213.04
$214.11
$215.18
$216.26
$217.34
$218.42
$219.52
$220.61
$221.72
$222.82
$223.94
$225.06
$226.18
$227.32
$228.45
$229.59
$230.74
$
53.95
$
51.82
$
49.68
$
47.52
$
45.34
$
43.14
$
40.92
$
38.68
$
36.42
$
34.14
$
31.84
$
29.51
$
27.17
$
24.80
$
22.41
$
20.00
$
17.57
$
15.11
$
12.64
$
10.14
$
7.61
$
5.07
$
2.50
$
2.50
$ 3,639.03
$231.42
$233.55
$235.69
$237.85
$240.03
$242.23
$244.45
$246.69
$248.95
$251.23
$253.53
$255.86
$258.20
$260.57
$262.96
$265.37
$267.80
$270.26
$272.73
$275.23
$277.76
$280.30
$282.87
$269.90
$12,899.46
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
$11,990.89
$11,759.00
$11,525.94
$11,291.72
$11,056.33
$10,819.76
$10,582.01
$10,343.07
$10,102.94
$9,861.60
$9,619.06
$9,375.30
$9,130.33
$8,884.13
$8,636.70
$8,388.04
$8,138.13
$7,886.97
$7,634.55
$7,380.87
$7,125.93
$6,869.71
$6,612.21
$6,353.42
$6,093.33
$5,831.95
$5,569.26
$5,305.26
$5,039.93
$4,773.28
$4,505.30
$4,235.98
$3,965.31
$3,693.28
$3,419.90
$3,145.15
$2,869.02
$2,591.52
$2,312.63
$2,032.34
$1,750.65
$1,467.55
$1,183.04
$897.11
$609.74
$320.94
$30.70
$30.70
Total
6.83 Years
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$291.85
$30.70
$
59.95
$
58.79
$
57.63
$
56.46
$
55.28
$
54.10
$
52.91
$
51.72
$
50.51
$
49.31
$
48.10
$
46.88
$
45.65
$
44.42
$
43.18
$
41.94
$
40.69
$
39.43
$
38.17
$
36.90
$
35.63
$
34.35
$
33.06
$
31.77
$
30.47
$
29.16
$
27.85
$
26.53
$
25.20
$
23.87
$
22.53
$
21.18
$
19.83
$
18.47
$
17.10
$
15.73
$
14.35
$
12.96
$
11.56
$
10.16
$
8.75
$
7.34
$
5.92
$
4.49
$
3.05
$
1.60
$
0.15
$
0.15
$ 4,154.00
$231.90
$233.06
$234.22
$235.39
$236.57
$237.75
$238.94
$240.13
$241.34
$242.54
$243.75
$244.97
$246.20
$247.43
$248.67
$249.91
$251.16
$252.42
$253.68
$254.95
$256.22
$257.50
$258.79
$260.08
$261.38
$262.69
$264.00
$265.32
$266.65
$267.98
$269.32
$270.67
$272.02
$273.38
$274.75
$276.12
$277.50
$278.89
$280.29
$281.69
$283.10
$284.51
$285.93
$287.36
$288.80
$290.25
$291.70
$30.54
$19,516.54
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
Balance
$1,969.78
$1,885.76
$1,800.90
$1,715.18
$1,628.62
$1,541.18
$1,452.87
$1,363.68
$1,273.60
$1,182.62
$1,090.72
$997.91
$904.17
$809.49
$713.86
$617.28
$519.74
$421.21
$321.71
$221.20
$119.69
$17.17
$17.17
Total
1.92 Years
Gas CC
Payment
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$103.72
$17.17
M
Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
19.70
18.86
18.01
17.15
16.29
15.41
14.53
13.64
12.74
11.83
10.91
9.98
9.04
8.09
7.14
6.17
5.20
4.21
3.22
2.21
1.20
0.17
0.17
225.86
Principal
$84.02
$84.86
$85.71
$86.57
$87.43
$88.31
$89.19
$90.08
$90.98
$91.89
$92.81
$93.74
$94.68
$95.63
$96.58
$97.55
$98.52
$99.51
$100.50
$101.51
$102.52
$103.55
$17.00
$2,073.16
Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
2.58
Medical Bill
$1,876.97
$1,824.36
$1,771.10
$1,717.17
$1,662.56
$1,607.27
$1,551.29
$1,494.61
$1,437.23
$1,379.12
$1,320.29
$1,260.72
$1,200.41
$1,139.35
$1,077.52
$1,014.92
$951.54
$887.36
$822.38
$756.59
$689.98
$622.53
$554.25
$485.10
$415.10
$344.22
$272.45
$199.78
$126.21
$51.72
$51.72
Total
Years
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$76.07
$51.72
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
23.46
22.80
22.14
21.46
20.78
20.09
19.39
18.68
17.97
17.24
16.50
15.76
15.01
14.24
13.47
12.69
11.89
11.09
10.28
9.46
8.62
7.78
6.93
6.06
5.19
4.30
3.41
2.50
1.58
0.65
0.65
382.07
Principal
$52.61
$53.27
$53.93
$54.61
$55.29
$55.98
$56.68
$57.39
$58.10
$58.83
$59.57
$60.31
$61.06
$61.83
$62.60
$63.38
$64.18
$64.98
$65.79
$66.61
$67.45
$68.29
$69.14
$70.01
$70.88
$71.77
$72.66
$73.57
$74.49
$75.42
$51.07
$1,951.75

Hopefulfamilybudget

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Hopefulfamilybudget

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Hopeful Family Budget

By: Cassandra Robbins

4,800.00 Brother Hopeful

150.00 Company pays

$ 200.00 2nd car (7% APR)

1st Mortgage (6% APR)

$ 120.00 Car insurance (both cars)

Steps to Saving Money

$ 75.00 Home Phone

85.00 Cell Phones

$ 170.00 Gas (both cars)

$ 35.00 Other Charities

Sell 2nd Car

5,732.50 Not counting APR

Hopeful Family Monthly Budget

1st Mortgage (6% APR)

Total Sav ings/(Debt)

$ 6,000.00 Paid off

By: Cassandra Robbins

By: Cassandra Robbins

By: Cassandra Robbins

Credit Union Loan

By: Cassandra Robbins

Credit Union Loan

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