1. PHOENIX!!!! LOUISA RAITT NIKITA DARYANANI

2. Taxation: Louisa Annual Salary= $50,000.00 FICA= 7.65%---$3,825.00 State Income Tax= 3.36%---$1,680 Federal Income Tax= $6,338.00 Louisa's Adjusted Income $38,157.00

3. Taxation: Nikita Annual Salary= $40,000.00 FICA= 7.65%---$3,060.00 State Income Tax= 3.36%---$1,344.00 Federal Income Tax= $4,175.00 Nikita's Adjusted Income $31,421.00

4. Saving: Louisa Annual Saving(10% off adjusted income)= $3,815.70 $900 in Bank of America Checking account $1,415.7 savings account at Bank of America (0.05% APY) $1,500 In Growth Money Market Savings Account (APY is Tiered, based on balance with additional bonus rate) Annual Tithe= $1,907.85 Adjusted Income Now $32,433.45

5. Saving: Nikita Annual Saving (8% off adjusted income) = $2,513.68 $700 in Bank of America Checking account $1713.68 in savings account at Bank of America (.05% APY) $1000 in Growth Money Market Adjusted Income Now $28,907.32

6. Housing VaseoAppartments 16220 N. 7th St. Phoenix, AZ 85022 1 Year lease $1500 deposit Rent= $680 per month/ 2 people -->$340 per month per person Rent -->$4080 per year per person Rent --> Renter’s Insurance: Liberty Mutual= $25 per month= $300 per year per personRent+Deposit+Insurance= $5130.00 Cascade Floorplan

7. Housing Continued (Features) Clubhouse Covered Parking Emergency Maintenance Extra Storage Fitness Center Green Community High Speed Internet Access Hot Tub Public Transportation Swimming Pool Tennis Court(s) Trail, Bike, Hike, Jog Four Resort Style Pools & Relaxing Spas Yoga & Spin Room Spectacular Movie Theater Billiards Room Water Machines BBQ Grills with Picnic Areas 24-Hour Maintenance Response Lush Landscaping with Streams & Waterfalls ‍Apartment Features Air Conditioning Balcony Ceiling Fan(s) Dishwasher Fireplace Microwave New/Renovated Interior Oversized Closets Stainless Steel Appliances Washer & Dryer In Unit ‍Special Features Pets Accepted Dogs-Dogs under 50lbs allowed. Only 2 Pets per Apartment. ‍Community Features Accepts Credit Card Payments Accepts Electronic Payments Basketball Court(s) Business Center

8. Housing Continued

9. Healthcare LOUISA & NIKITA Calendar-year deductible: $5000 Co-Insurance: 80/20 Copay: $30 Doctor, $50 Specialist Monthly Premium: $112.02 => $1344.24 a year

10. Transportation Both buying used cars from the Tucson CarMax Dealership $149 to transfer each car to the Phoenix CarMax Dealer Gas Prices current prices in Phoenix ranging $3.45-$3.57 per gallon Nikita’s Gas Prices: 13.2 Gallon Tank- $94.25 per month x 12 months = $1,131.00 Louisa’s Gas Prices: 19 Gallon Tank- $166.25 per month x 12 months = $1,995.00 Louisa’s Car Nikita’s Car

11. Transportation= Cars LOUISA NIKITA 2009 Jeep Wrangler X 2D Sport Utility Vehicle price= $20998.00 Tax, Title, Tags Fee=$2,275.00 Down payment amount= $2,000.00 Finance rate (APR) = 4% Contract length = 60 Months (5 Years) Amount financed= $21,273 Estimated monthly payment= $391.77 Insurance: Esurance =Monthly premium= $103.13 Transfer+ Down+ Monthly+ Gas+ Insurance=$8,845.24 (per year) 2006 MINI Cooper 2D Hatchback Vehicle price= $16,988.00 Tax, Title, Tags Fee =$2,275.00 Down payment amount= $2,000.00 Finance rate (APR) = 4% ‍Contract length= ‍60 months (5 Years) Amount ‍financed= $16,823.00 Estimated monthly payment= $310.00 Insurance: Esurance= Monthly premium=$159.94 Transfer+ Down+ Monthly + Gas+ Insurance= $7,001.00 (per year)

12. Utilities Electric with AC: $150 per month on average (50-60 during winter and 160-200 during summer) Gas: $50 Water: $50 Phone: cell phones only - no landline Both will remain on their current family plans and pay their parents monthly (Louisa pays=$60 Nikita pays= $30 each month) Internet: free WiFi within entire apartment complex Louisa: $310 a month, $3,720 a year Nikita: $280 a month, $1,860 a year

13. Food!!! Eating out: $150 a month House groceries (2 people)= $300 a month $150 monthly per person Household supplies (2 people)= $300 monthly $150 monthly per person TOTAL: $450 per person per month= $5400 per person per year

14. Extras: Meet CRUZ!!!!!! Adoption: $150 Petsmart: Fabric and Fleece Dog Bed-PetSmart$16.95 Flee medication= $201.98 per year Dog Food: $15 for a 4lb bag --> $60 per year Leash and Collar: $9:99= collar, 14.99=leash Toys: ~ $20 DOG: Cruz's total cost ~$475.00 $237.50 per person per year

15. Other Extras Netflix= $96 a year= $48 per person a year Going Out (movies, shopping, museums, bowling, going out with friends)= $80 per week per person = $4160 per person per year Hair and Nails (per year): Nikita:Louisa: Hair=$120 Hair=$360 Nails= $240 Nails=$420

16. What's left??!?!?? Louisa has $773.47 remaining and will put that remaining money into her regular savings account Nikita has $2,235.58 remaining and will put that remaining money into her regular savings account