{"text_format":"2","workbook":"xls","n_sheets":13,"sheets":["PERSONAL FINANCES","MONTHLY EXPENSES","INFORMATION","BUDGET","CAR PURCHASE","HOUSING","ENTERTAINMENT","EDUCATION","UTILITIES","DEPENDENTS","STUDENT LOAN","PERSONAL LOANS","TO THE TEACHER"],"not_rendered":{"charts":0,"images":0,"macros":0,"external_links":1,"defined_names":94,"comments":49,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"run_cost":"one","rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1904","formulas":"cached_only"}

{"sheet":"PERSONAL FINANCES","index":0,"n_rows":55,"n_cols":9,"rows_kept":55,"cut":false,"hidden":false,"merged":[[26,0,26,2],[37,0,37,2],[35,0,35,2],[33,0,33,2],[18,0,18,2],[20,0,20,2],[16,0,16,2],[17,0,17,2],[49,1,49,5],[47,1,47,5],[48,1,48,5],[39,0,39,8],[26,5,26,6],[31,0,31,2],[18,5,18,6],[13,5,13,6],[10,0,10,2],[11,0,11,2],[12,0,12,2],[24,0,24,2],[24,5,24,6],[22,0,22,2],[19,0,19,2],[14,5,14,6],[2,3,2,6],[3,3,3,6],[5,5,5,6],[9,5,9,6],[7,0,7,2],[14,0,14,2],[3,0,3,1],[13,0,13,2],[8,0,8,2],[9,0,9,2],[0,4,0,8],[19,5,19,6],[1,1,1,2],[2,1,2,2],[15,5,15,6],[6,5,6,8],[16,5,16,6],[1,4,1,6],[11,5,11,6],[8,5,8,6],[0,0,0,3],[41,0,41,1],[42,0,42,1],[43,0,43,1],[54,0,55,8],[53,0,53,8],[50,1,50,5],[51,1,51,5],[52,4,52,5],[22,5,22,6],[46,0,46,8],[44,0,44,1],[44,2,44,5],[17,5,17,6],[5,0,6,3],[10,5,10,6],[12,5,12,6],[7,5,7,8],[15,0,15,2],[37,5,37,8],[28,5,36,8],[40,2,40,5],[41,2,41,5],[42,2,42,5],[43,2,43,5],[28,0,28,2]],"flags":["formulas_cached_only"]}
["Personal Finance Sheet",null,null,null,"Pay in your personal bank account these  Monthly Personal Expenses"]
["NAME"," ",null,null,"SOCIAL SECURITY NUMBER",null,null,null,0]
["JOB TITLE"," ",null," MONTHLY GROSS INCOME",{"$nulls":4},0]
["FOR THE MONTH OF",null,null,"MONTHLY NET INCOME",{"$nulls":4},0]
[]
["COMPLETE PERSONAL FINANCE PURCHASES AND TURN IN TO INSTRUCTOR        PINK BOXES WILL AUTOFILL FROM YOUR MONTHLY LIVING SHEET",{"$nulls":4},"MARTIAL STATUS",null,null,"SINGLE"]
[{"$nulls":5},"updated 2/28/19"]
["FIXED MONTHLY LIVING EXPENSES",null,null,"PAYMENT",null,"Finance Charges if bills not paid on time"]
[" MONTHLY RENT (PAY TO PROPERTY MANAGEMENT)",null,null,0,null,"CHARGE IF BILLS NOT PAID",null,null,0]
["MONTHLY ELECTRICITY (PAY TO ELECTRIC)",null,null,70,null,"CHARGE IF BILLS NOT PAID",null,null,11.9]
["MONTHLY NATURAL GAS (GAS)",null,null,20,null,"CHARGE IF BILLS NOT PAID",null,null,3.4000000000000004]
["MONTHLY WATER (PAY TO WATER)",null,null,30,null,"CHARGE IF BILLS NOT PAID",null,null,5.1000000000000005]
["MONTHLY CELL PHONE (CELL PHONE)",null,null,80,null,"CHARGE IF BILLS NOT PAID",null,null,13.600000000000001]
[" ENTERTAINMENT (PAY TO CABLE)",null,null,0,null,"CHARGE IF BILLS NOT PAID",null,null,0]
["INTERNET-IF NOT INCLUDED IN BUNDLE ( PAY TO INTERNET)",null,null,0,null,"CHARGE IF BILLS NOT PAID",null,null,0]
["CAR INSURANCE (PAY TO CAR INSURANCE)",null,null,0,null,"CHARGE IF BILLS NOT PAID",null,null,0]
["CAR PAYMENT (PAY TO LOANS)",null,null,0,null,"CHARGE IF BILLS NOT PAID",null,null,0]
["FOOD & GROCERIES (PAY TO GROCERIES)",null,null,160,null,"CHARGE IF BILLS NOT PAID",null,null,27.200000000000003]
[" GAS FOR CAR (PAY TO GASOLINE)",null,null,{"$error":"#DIV/0!"},null,"CHARGE IF BILLS NOT PAID",null,null,{"$error":"#DIV/0!"}]
[" HOUSEHOLD SUPPLIES (PAY TO HOUSEOLD PRODUCTS)",null,null,15,null,"CHARGE IF BILLS NOT PAID",null,null,2.5500000000000003]
["TOTAL FIXED EXPENSES",null,null,{"$error":"#DIV/0!"},null,"TOTAL  IF NOTHING PAID",null,null,{"$error":"#DIV/0!"}]
[{"$nulls":7}," "]
["Credit Card Purchases (PAY TO NETWORK BANK)",null,null,0,null,"CHARGE IF CREDIT CARD NOT PAID",null,null,0]
[]
["Student Loan - (PAY TO LOANS)",null,null,0,null,"Required Spending",null,"=",0]
[]
["Child Care (PAY TO CHILD CARE)",null,null,0,null,"LEFT TO SPEND",null,"=",0]
[]
["LIFE HAPPENS - will be added to credit card above",null,null,0,null,"LEFT TO SPEND                Go to the Monthly Living Tab to reduce this number.                                                     This must be a negative number below zero, For each 10.00 you will get a -1 deduction on your grade.                  This amount should be different every month "]
[]
[]
["Healthcare (PAY TO HEALTH INSURANCE)",null,null,81.56]
[]
["OTHER",null,null,0]
[]
["TOTAL EXPENSES FOR THE MONTH",null,null,{"$error":"#DIV/0!"}]
[]
["REMAINING LEFT FOR SAVINGS",null,null,{"$error":"#DIV/0!"},null,"YOU HAVE MET THE REQUIRED SPENDING"]
[]
["VE PURCHASES- Required purchases from 4 different companies each month-Pay each separately in your account."]
["COMPANY NAME",null,"DESCRIPTION OF PURCHASE",null,null,null,"DATE PAID",null,"COST"]
[" ",{"$nulls":5},"2019-01-01",null,0]
[" ",{"$nulls":5},"2019-01-01",null,0]
[" ",{"$nulls":5},"2019-01-01",null,0]
[" ",{"$nulls":5},"2019-01-01",null,0]
[null,null," ",null,null,null,"TOTAL",null,0]
["LIFE HAPPENS! CARDS"]
["Week Date","Describe what happened",{"$nulls":4},"CREDIT",null,"DEBIT"]
["WEEK 1","NO DESCRPTION ENTERED",{"$nulls":4},0,null,0]
["WEEK 2","NO DESCRPTION ENTERED",{"$nulls":4},0,null,0]
["WEEK 3","NO DESCRPTION ENTERED",{"$nulls":4},0,null,0]
["WEEK 4","NO DESCRPTION ENTERED",{"$nulls":4},0,null,0]
[{"$nulls":4},"TOTALS",null,0,null,0]
[]
["Notes:"]

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["ITEMIZED MONTHLY EXPENSES "]
[]
["REQUIRED VEI COMPANY PURCHASES",{"$nulls":5},"PAY TO COMPANIES YOU BOUGHT FROM"]
["COMPANY NAME",null,null,"DATE PAID",null,"AMOUNT","WHAT YOU BOUGHT"]
[" ",null,null,"2019-01-01",null,0]
[" ",null,null,"2019-01-01",null,0]
[" ",null,null,"2019-01-01",null,0]
[" ",null,null,"2019-01-01",null,0]
[]
[null,"LIFE HAPPENS","CREDIT","DEBIT","DESCRIBE WHAT HAPPENED"]
[null,"WEEK 1",0,0,"NO DESCRPTION ENTERED",null,null,"Special Note for LIFE HAPPENS: If you get a CARD that gives you money you will need to record it as a CREDIT that will credit you properly for the simulation. Any payments should be record as a debit"]
[null,"WEEK 2",0,0,"NO DESCRPTION ENTERED"]
[null,"WEEK 3",0,0,"NO DESCRPTION ENTERED"]
[null,"WEEK 4",0,0,"NO DESCRPTION ENTERED"]
[null,"TOTALS",0,0,null,0,"GRAND TOTAL"]
[]
[null,0,"REQUIRED SPENDING: WHEN THIS NUMBER TURNS RED YOU HAVE MEET THE REQUIRE SPENDING FOR THE MONTH. IF THE NUMBER IS NOT RED ADD TO YOUR SPENDING USING THE FLEXIBLE MONTHLY SPENDING SECTION BELOW"]
[]
["FLEXIBLE MONTHLY EXPENSES-Areas below should change each month-Applied to Credit Card"]
[" "," "," "," "," ","COST","NOTES AND DESCRIPTIONS"]
["ENTERTAINMENT, TRAVEL and DINING",{"$nulls":4},0,"NOTES AND DESCRIPTIONS"]
["MUSIC DOWNLOADS/VIDEO-DVD/VIDEO GAMES",{"$nulls":4},0]
["CONCERT OR EVENT",{"$nulls":4},0]
["SPORTING EVENT",{"$nulls":4},0]
[null,"CAR MILES",100,"TRAVEL",null,0,"SELF DRIVING TRIP INCLUDING HOTEL COSTS"]
["MOVIES/THEATER",{"$nulls":4},0,"AVERAGE COST PER MOVIE $15.00"]
["BOOKS/MAGAZINES",{"$nulls":4},0]
["FORMAL RESTAURANTS",{"$nulls":4},0,"SERVED BY A WAITER OR WAITRESS"]
["INFORMAL DINING, FAST FOOD, SNACKS",{"$nulls":4},0,"SELF SERVED"]
["COFFEE & BEVERAGES",{"$nulls":4},0]
["PAY PER VIEW",{"$nulls":4},0,"$6 PER MOVIE / $30 PER EVENT"]
["PERSONAL MUSIC SUBSCRIPTION SERVICES",{"$nulls":4},0,"SEE SERVICES ON ENTERTAINMENT TAB"]
["PERSONAL GAMING SUBSCRIPTION SERVICES",{"$nulls":4},0,"SEE SERVICES ON ENTERTAINMENT TAB"]
["OTHER:",{"$nulls":4},0]
["CLOTHING/SHOES/JEWELRY",{"$nulls":4},0,"NOTES AND DESCRIPTIONS"]
["SHOES",{"$nulls":4},0]
["CLOTHING",{"$nulls":4},0]
["ACCESSORIES",{"$nulls":4},0,{"$nulls":4}," "]
["SEASONAL WEAR",{"$nulls":4},0]
["JEWELRY & WATCHES",{"$nulls":4},0]
["OTHER:",{"$nulls":4},0]
[null,"DEPENDENT ADDITIONS",null,null,null,0]
["PERSONAL ITEMS ",{"$nulls":4},0,"NOTES AND DESCRIPTIONS"]
["COSMETICS",{"$nulls":4},0]
["MEDICAL",{"$nulls":4},0]
["EYE CARE",{"$nulls":4},0]
["GYM FEES",{"$nulls":4},0]
["OTHER:",{"$nulls":4},0,null," "]
["GIFTS",{"$nulls":4},0,"NOTES AND DESCRIPTIONS"]
["BIRTHDAY",{"$nulls":4},0]
["HOLIDAY COSTS",{"$nulls":4},0]
["SPECIAL EVENT",{"$nulls":4},0]
["OTHER:",{"$nulls":4},0]
["MISCELLANEOUS",{"$nulls":4},0,"NOTES AND DESCRIPTIONS"]
["HOME REPAIR",{"$nulls":4},0]
["AUTO ACCESSORIES OR REPAIR",{"$nulls":4},0]
["HOME FURNITURE",{"$nulls":4},0]
["COMPUTER AND COMPUTER RELATED PRODUCTS",{"$nulls":4},0]
["RECREATIONAL VEHICLE",{"$nulls":4},0]
["PERSONAL ELECTRONICS",{"$nulls":4},0]
["SPORTING GOODS",{"$nulls":4},0]
["INVESTMENTS",{"$nulls":4},0]
["OTHER",{"$nulls":4},0]
["OTHER",{"$nulls":4},0]
[{"$nulls":5}," "]
["Special Expenses to be paid to Special VEI-Payees"]
[]
["CHILDCARE",{"$nulls":4},0,"VEI-Childcare or Personal Services"]
[]
["CHARITY: RELIGIOUS OR NON-PROFIT",{"$nulls":4},0,"VEI-Charities"]
[]
["STUDENT LOAN",{"$nulls":4},0,"VEI-WEST LOANS"]
[]
[{"$nulls":5},0,"TOTAL CREDIT CARD EXPENSES"]
[]
["FIXED EXPENSES",{"$nulls":4},"fill in  yellow areas, pink & green (totals) will auto fill"]
[" "," "," "," "," ","COST","PAY TO…………"]
["RENT (OR MORTGAGE PAYMENT)",{"$nulls":4},0,"VEI-Property Management"]
["MOVE IN FEES (FIRST MONTH ONLY)",{"$nulls":4},0,"VEI-Property Management"]
["ELECTRICITY (UTILITY)",{"$nulls":4},70,"VEI-Electric"]
["MONTHLY ELECTRIC COSTS",{"$nulls":4},70,"based on your number of roommates"]
["DEPENDENT ADDITION",{"$nulls":4},0]
["CREDIT IF ELECTRICITY IS INCLUDED IN RENTAL",{"$nulls":4},"NO"]
["GAS (UTILITY)",{"$nulls":4},20,"VEI-Gas"]
["MONTHLY GAS COSTS",{"$nulls":4},20,"based on your number of roommates"]
["DEPENDENT ADDITION",{"$nulls":4},0]
["CREDIT IF GAS IS INCLUDED IN RENTAL",{"$nulls":4},"NO"]
["WATER (UTILITY)",{"$nulls":4},30,"VEI-Water"]
["MONTHLY WATER COSTS",{"$nulls":4},30,"based on your number of roommates"]
["DEPENDENT ADDITION",{"$nulls":4},0]
["CREDIT IF WATER IS INCLUDED IN RENTAL",{"$nulls":4},"NO"]
["TELEPHONE (UTILITY)",{"$nulls":4},80,"VEI-Cell Phone"," "]
["SMART PHONE DATA PLAN",{"$nulls":4},80]
["TEEN IN HOME PHONE COSTS",{"$nulls":4},0]
["ENTERTAINMENT ",{"$nulls":4},0,"VEI-Cable "]
["CABLE TV/INTERNET BUNDLE",{"$nulls":4},0,"Based on your selections from Entertainment tab"]
["CABLE TV SERVICES",{"$nulls":4},0,"Based on your selections from Entertainment tab"]
["INTERNET ",{"$nulls":4},0,"Based on your selections from Entertainment tab"]
["VEHICLE INSURANCE",{"$nulls":4},0,"VEI-Car Insurance"]
["ADDITION FOR MOTORCYCLE",null,null,67.5,null,0,"RECORD THE ADDITION FOR MOTORCYCLE IF YOU RIDE ONE"]
["VEHICLE PAYMENT",{"$nulls":4},0,"VEI-Network Bank"]
["BUS PASS",{"$nulls":4},0,"MUST HAVE TEACHER PERMISSION"]
["FOOD",{"$nulls":4},160,"VEI-Groceries"]
["PETS",{"$nulls":4},0,"based on your number of pets from information tab"]
["MONTHLY FOOD  COSTS",{"$nulls":4},160,"based on your number of roommates",null,null," "]
["DEPENDENT ADDITIONS",{"$nulls":4},0]
["GASOLINE  FOR CAR",{"$nulls":4},{"$error":"#DIV/0!"},"VEI-Gasoline"]
[null,"CURRENT PRICE PER GALLON","EXTRA TRAVEL",null,null,{"$error":"#DIV/0!"}]
[null,null,"MONTHLY GASOLINE COST",null,null,0,null,null," "]
[null,10,"DEPENDENT ADDITIONS",null,null,0]
["HOUSEHOLD PRODUCTS",{"$nulls":4},15,"VEI-Household Products"]
["MONTHLY HOUSEHOLD SUPPLIES",{"$nulls":4},15,"based on your number of roommates"]
["DEPENDENT ADDITIONS",{"$nulls":4},0]
[{"$nulls":6},"updated 2/22/19"]

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["PERSONAL & FINANCIAL INFORMATION"]
[]
["FULL NAME"," ",null,null,"JOB TITLE"," "]
[null," "]
["YEAR OF BIRTH",2000,null,null,"ID NUMBER",0]
[]
["PAYCHECK GROSS PAY",0,null,null,"PAYCHECK NET PAY",0]
[" ",null,null,null," "]
[{"$nulls":6}," "]
["CHILDREN & DEPENDENTS",null,null,null,"PETS"]
[0,"NUMBER OF INFANTS","AGES 0-1",null,"INSERT A PICTURE OF YOUR FAVORITE PET",0,"CATS"]
[0,"NUMBER OF TODDLERS","AGES 2-4",null,null,0,"DOGS"]
[0,"NUMBER OF CHILDREN","AGES 5-10",null,null,0,"FISH TANKS"]
[0,"NUMBER OF PRE-TEENS","AGES 11-12",null,null,0,"REPTILES"]
[0,"NUMBER OF TEENS","AGES 13-19",null,null,0,"BIRDS"]
[0,"ADULT DEPENDENTS","AGE 20+",null,null,0,"CRITTERS"]
[0,"GASOLINE ADDITION",null,null,null,0,"OTHER"]
[0,"CHILDCARE COSTS",0,null,"TOTAL DEPENDENTS",0,"Total Pets"]
[]
["LIVING SITUATION"]
[null," ",null," "]
["DRAG A .JPG PHOTO FROM YOUR COMPUTER OF THE PLACE WHERE YOU LIVE FROM THE INTERNET AND USE THE PICTURE FORMAT TAB TO SLEECT CROP AND CROP YOUR PICTURE TO FIT IN THIS SPACE.",null,null," ","APARTMENT, CONDO OR HOUSE"]
[{"$nulls":4},"NUMBER OF ADULTS IN RESIDENCE",null,1]
[{"$nulls":4},"REQUIRED NUMBER OF ROOMS OF RESIDENCE",null,1]
[]
[{"$nulls":4},"ADDRESS"," "]
[{"$nulls":4},"CITY"," "]
[{"$nulls":4},"STATE"," "]
[{"$nulls":4},"ZIP CODE"," "]
[]
[{"$nulls":4},"PURCHASE PRICE IF YOU BOUGHT A HOME ",null,0]
[{"$nulls":5},"MONTHLY MORTGAGE PAYMENT",0]
[]
[{"$nulls":4},"IF YOU ARE RENTING AN APARTMENT, CONDO OR HOUSE"]
[{"$nulls":4},"TOTAL MONTHLY  RENT PAYMENT",null,0]
[]
[]
["TRANSPORTATION"]
[]
["VEHICLE MAKE",null," ",null,"MILES PER GALLON OF GAS",null,0]
["VEHICLE MODEL",null," ",null,"CURRENT GAS PRICE/PER GALLON",null,3.71]
["YEAR ",null," ",null,"National Gas Prices",null,"<-click link"]
["FINAL VEHICLE COST",null,0,null,"MILES TO WORKPLACE",null,0]
["TERM OF LOAN ( IN MONTHS)",null,48,null,"MONTHLY GASOLINE COSTS",null,0]
["INTEREST RATE ",null,0.06]
["YOUR MONTHLY PAYMENT",null,0,null,"VEHICLE INSURANCE COST-MONTHLY",null,0]
[{"$nulls":4}," "]
["HEALTH CARE ( THIS WILL BE COMPLETED WHEN A BENEFIT PLAN HAS BEEN ESTABLISHED)"]
[" ",{"$nulls":5},"NO INSURANCE"]
["BASIC MINIMAL ESSENTIAL COVERAGE (MEC) MEDICAL INSURANCE DEFINED BY THE AFFORABLE CARE ACT CAN BE ADDED BY SELECTING THE MENU TO THE RIGHT -->",{"$nulls":5},81.56]
["COMPANY MONTHLY EMPLOYEE COSTS-HEALTH",null,0,null,"MONTHLY DEPENDENT COSTS-HEALTH",null,0]
["COMPANY MONTHLY EMPLOYEE COST-DENTAL",null,0,null,"MONTHLY DEPENDENT COSTS-DENTAL",null,0]
["COMPANY MONTHLY EMPLOYEE COST-VISION",null,0,null,"MONTHLY DEPENDENT COSTS-VISION",null,0]
["TOTAL EMPLOYEE COSTS",null,81.56,null,"TOTAL DEPENDENT COSTS",null,0]

{"sheet":"BUDGET","index":3,"n_rows":69,"n_cols":11,"rows_kept":69,"cut":false,"hidden":false,"merged":[[1,0,1,10],[2,0,2,10],[3,0,3,10],[4,0,4,10],[5,0,5,10],[6,0,6,10],[62,9,62,10],[63,6,68,10],[42,0,42,3],[62,6,62,8],[58,4,58,10],[0,0,0,10],[8,1,8,3],[10,0,10,4],[8,4,8,8],[8,9,8,10],[12,6,12,10],[13,0,13,3],[15,0,15,3],[17,0,17,2],[19,0,19,2],[60,0,60,10],[37,0,37,2],[23,0,23,3],[25,0,25,3],[14,0,14,10],[16,0,16,10],[18,0,18,10],[20,0,20,10],[22,0,22,10],[24,0,24,10],[36,0,36,10],[43,0,43,10],[44,6,44,7],[44,9,44,10],[26,0,26,10],[28,0,28,10],[30,0,30,10],[32,0,32,10],[34,0,34,10]],"flags":["formulas_cached_only"]}
["PERSONAL BUDGET - WHAT CAN I AFFORD?"]
["In the yellow boxes below, test out numbers to see what you can afford to live on comfortably. You the Affordability ranges to gauge how much you can comfortably spend for each area in your virtual life. Follow the steps below before to finalize your residence and vehicle so that you know that they are affordable"]
["Step 1: Obtain your monthly salary from the accounting dept. and record your monthly net salary below."]
["Step 2: At the bottom, record the number of  children you want for this simulation (not required)      "]
["Step 3: Determine the living situation (roommates or married)  and record the  amounts (found at the bottom for each utility based on the number of people that share the living space -fill Yellow Boxes"]
["Step 4: Look at the affordability range of rent & vehicle payment and start testing numbers the cells. "]
["Step 5: When the green bar is GOOD, then you have completed a livable budget."]
[]
["NAME",null,null,null,"ESTIMATED MONTHLY NET SALARY",{"$nulls":4},0]
[]
["fill in all yellow areas only to see what you can afford",{"$nulls":7},"AFFORDABILITY"]
[null,null,"REQUIRED FIXED MONTHLY LIVING EXPENSES",null,null,null,"LOW RANGE",null,null,null,"HIGH RANGE"]
[{"$nulls":4},"YOUR COST",null," "]
["RENT (OR MORTGAGE PAYMENT)",null,null,null,0,null,0.12,0,"-",0,0.4]
[" "]
["HOMEOWNERS/RENTERS INSURANCE",null,null,null,0,null,0.01,0,"-",0,0.05]
[" "]
["ELECTRICITY (UTILITY)",null,null,0,0,null,0.01,0,"-",0,0.04]
[" "]
["GAS (UTILITY)",null,null,0,0,null,0.01,0,"-",0,0.02]
[" "]
["WATER (UTILITY)",null,null,0,0,null,0.01,0,"-",0,0.02]
[" "]
["TELEPHONE (CELL)",null,null,null,70,null,0.01,0,"-",0,0.03]
[" "]
["CABLE TV & INTERNET (UTILITY)",null,null,null,0,null,0.01,0,"-",0,0.03]
[" "]
["CAR INSURANCE",null,null,null,0,null,0.01,0,"-",0,0.03]
[" "]
["CAR PAYMENT ",null,null,null,0,null,0.07,0,"-",0,0.15]
[" "]
["FOOD",null,null,0,0,null,0.06,0,"-",0,0.12]
[" "]
["GAS FOR CAR",null,null,null,0,null,0.02,0,"-",0,0.05]
[" "]
["HOUSEHOLD SUPPLIES",null,null,0,0,null,0.01,0,"-",0,0.04]
[" "]
[null,null,null,"CHILD ADDITIONS",{"$nulls":4},"DEPENDENT CARE COSTS"]
["TOTAL FIXED EXPENSES",null,null,null,70,null,50,"FOOD",null,"CLOTHING",40]
[{"$nulls":6},15,"WATER",null,"GASOLINE",10]
["OPTIONAL FIXED EXPENSES",{"$nulls":5},15,"ELECTRICITY",null,"SUPPLIES",25]
[{"$nulls":6},15,"GAS"]
["CHILD CARE (only applies if you have kids)",null,null,null,0]
[" "]
[null,null,"FLEXIBLE MONTHLY LIVING EXPENSES",null,null,null,"Minimum spending",null,"=",0]
[{"$nulls":8}," "]
["ENTERTAINMENT",null,null,null,0,null,0.04,0,"-",0,0.07]
[]
["CLOTHING/SHOES/JEWELRY",null,null,null,0,null,0.03,0,"-",0,0.06]
[]
["PERSONAL ITEMS ",null,null,null,0,null,0.03,0,"-",0,0.05]
[]
["GIFTS",null,null,null,0,null,0.02,0,"-",0,0.05]
[]
["MISCELLANEOUS",null,null,null,0,null,0.05,0,"-",0,0.1]
[{"$nulls":9},"NEED TO CUT YOUR SPENDING"]
["TOTAL EXPENSES",null," ",null,70,null,"REMAINING",null,null,-70]
[]
["revised10/28/18",null,null,null,"MUST HAVE 50.00 OR MORE LEFT IN REMAINING BOX ABOVE"]
[]
["YOU ARE STILL OVER SPENDING LOWER YOUR RENT OR CAR PAYMENTS"]
[]
[null,"ALONE","2 PEOPLE","3 PEOPLE","4 PEOPLE",null,"NUMBER OF CHILDREN",null,null,0]
["ELECTRICITY",70,65,60,55,null,"If you choose to have children, they come with additional expenses and childcare costs. These will be added as addition costs (found in lavender boxes) to Total Fixed Expenses "]
["GAS",20,15,12,10]
["WATER",30,25,20,20]
["CABLE/INTERNET",125,75,50,40]
["FOOD",160,145,125,100]
["HOUSEHOLD SUPPLIES",15,12,8,6]

{"sheet":"CAR PURCHASE","index":4,"n_rows":42,"n_cols":9,"rows_kept":42,"cut":false,"hidden":false,"merged":[[3,0,3,3],[0,0,0,3],[27,0,27,2],[34,0,34,3],[26,0,26,2],[4,0,4,3],[10,0,10,3],[28,0,28,3],[19,2,19,3],[11,0,25,1],[31,0,31,3],[38,1,38,2],[36,1,36,2],[41,0,42,3],[32,0,33,0],[5,4,9,4],[11,4,18,4],[20,4,27,4],[29,4,37,4],[35,1,35,2]],"flags":["formulas_cached_only"]}
["TRANSPORTATION"]
[]
["First Name"," ","Last Name"," ","Directions: Complete each STEP of this car purchase sheet "]
[]
["WHAT CAN YOU AFFORD TO BUY"]
["Term of Loan","Chief Officer","Department Leaders","Associates","STEP 1: Your first step in this process is to look for a car that you would like to buy, use the table to the left to get the price range you can afford based on your position in the company and your estimated salary. Use those numbers when looking for your vehicle on the internet make sure fit your affordability range"]
["36 months",31000,20000,9750]
["48 months",40000,25000,12000]
["60 months",48000,30000,13000]
["Monthly Lease Rate",855,585,210]
["WHAT CAN YOU AFFORD TO BUY"]
["DRAG COPY A PHOTO OF THE VEHICLE YOU ARE BUYING          FROM THE INTERNET TO THIS AREA.",null,"Make of the Vehicle"," ","STEP 2: Finding your car on the internet. If you want to buy a vehicle you can check the dealer websites. There you will find new cars or pre-owned vehicles. (used car). If you are looking for used cars many dealers have them advertised or you can check Truecar or Carmax, These websites have both dealer and private party vehicles for sale. When you find the vehicle in your price range that you want, move down to the next section and record the information in the YELLOW cells. Some cells have a \"comment\" (small red triangle) that will tell you more about the information of that cell. The final price for the vehicles after tax and licensing will appear in the Final Cost of Vehicle at the bottom. Find a picture of your car and insert it into the photo box."]
[null,null,"Model of the Vehicle"," "]
[null,null,"Model Year"," "]
[null,null,"Price of the Vehicle",0]
[null,null,"License Fee",0]
[null,null,"Vehicle Registration",0]
[null,null,"Sales  Tax",0]
[null,null,"Final Cost of Vehicle",0]
[null,null,"FINANCING YOUR VEHICLE"]
[null,null," Vehicle Cost",0,"STEP 3: Financing the vehicle. For most of us, we don’t just drop the full amount of the cost of a car down when we buy it. Most times we get a car loan and pay the car off over time. If you choose to buy the car, whether it is new or used you will need to apply for a car loan. With any loan, you make monthly payments over time to eventually own the vehicle. You will need to search the internet to find the current  interest rates based on the term in months and whether you have a new or used vehicle. Record the information from the website for interest rate, months of the loan and the monthly payment will be calculated for you. If you choose a down payment that will lower your loan and must be paid from your personal bank account and sent to the Network bank. "]
[null,null,"Down Payment",0]
[null,null," Final Cost of Vehicle",0]
[null,null,"Current Interest Rate",0.06,{"$nulls":4}," "]
[null,null,"Term in Months",48]
[null,null,"Monthly Payment",0]
["What you will PAY for your vehicle over the term of the car loan",null,null,0]
["Monthly Leasing Price (use this only if you are leasing a vehicle, otherwise leave at zero)",null,null,0]
["MONTHLY GASOLINE AND INSURANCE COSTS"]
[" ","CITY","COMBINED","HIGHWAY","STEP 4: Daily driving and mileage will determine how much you spend each month on fuel for your vehicle.  Research the Miles Per Gallon (MPG) that your vehicle gets for city and highway and record the amounts on the MPG line to the left Your fuel cost will depend on the type of fuel you use and the vehicle you will be driving.  Gas prices change daily and vary based on the state in which you live. Click the National Gas Prices (below) to find the average for your state and put that amount in the Current Gas Price box to the left. Once you have found a place to live and determine the distance it is to work (on the information tab) you will have your exact monthly fuel costs."]
["Mile s Per Gallon (MPG)",0,0,0]
["FUEL COMPARISON",{"$nulls":5}," "]
["FUEL COST COMPARISON","GASOLINE","NATURAL GAS","ELECTRIC"]
[null,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[]
[null,"CURRENT GAS PRICE/PER GALLON",null,10]
[null,"ESTIMATED MONTHLY FUEL COST",null,0]
[]
[null,"VEHICLE INSURANCE COST-MONTHLY",null,50,"National Gas Prices"]
[]
[null,null,null,"revised 10/28/18"]
["Now that you have completed the vehicle purchase, your data has transferred to the INFORMATION tab."]

{"sheet":"HOUSING","index":5,"n_rows":38,"n_cols":13,"rows_kept":38,"cut":false,"hidden":false,"merged":[[3,2,3,5],[4,1,4,7],[23,1,23,5],[23,6,23,7],[24,8,30,8],[32,1,32,2],[32,6,32,7],[0,1,0,7],[5,1,5,7],[6,8,13,8],[14,6,14,7],[15,8,22,8],[2,8,3,8],[13,6,13,7],[1,1,1,7],[6,1,22,5],[2,2,2,5]],"flags":["formulas_cached_only"]}
[null,"HOUSING"]
[null,"Name of the person on the lease of the rental or on the title of owned property (owner or head roommate)"]
[null,"First Name"," ",null,null,null,"Move in Date"," ","The head roommate will be in charge of paying all rent and uitlites for the rental property. This will require the other roommates to send their share of the bills to the head roommate each month. If you live alone, you are the head roomate"]
[null,"Last Name"," ",null,null,null,"Move Out Date"," "]
[]
[null,"WHERE ARE YOU LIVING"]
[null,"DRAG COPY A PHOTO FROM THE INTERNET TO THIS AREA OF THE RESIDENCE YOU WILL BE LIVING IN. USING THE FORMAT PICTURE TAB YOU CAN CROP THE PICTURE TO FIT INTO THIS SPACE.",{"$nulls":4},"OWNERSHIP","RENTAL ","STEP 1: Find a place to live using the internet. If you are renting, you will look for rental properties that fit into your price range. If you can not find a place that is with in your range you will need to find a roommate(s) so that you can afford to make  your payemnt each month. For this simulation, the house needs to have one room per adult in the house (ex. 3 friends living together need a 3 bedroom place, even married couples will be required to have a minimum of 2 bedrooms) Once you have found the place record the address information. Using the link to Google maps, detremine the miles you house is from the company office and record the mile in the box. Find a picture of your home and drag it into the photo box."]
[{"$nulls":6},"TYPE OF RESIDENCE","APARTMENT"]
[{"$nulls":6},"ADDRESS"," "]
[{"$nulls":6},"CITY"," "]
[{"$nulls":6},"STATE"," "]
[{"$nulls":6},"ZIP CODE"," "]
[{"$nulls":6},"MILES FROM OFFICE",0]
[{"$nulls":6},"https://www.google.com/maps/"]
[{"$nulls":6},"MORTGAGE OR RENT COSTS "]
[{"$nulls":6},"PURCHASE PRICE (IF OWNED)",0,"STEP 2: After you have found a place to live that you can afford, you will need to record the cost of living at that property. If you purchased the a place you will need to record the purchase price. When you own a property, you have other fees that are assocaited with ownership. They can be seen on the UTILITIES tab. They will autofill and add to the overall monthly payment amount. If you are renting then you can skip this box. Typically roommate will pay equal shares of the rent, but you have the option of determining the monthly payment of each roommate. Sometimes roommates will have special advatanges so they might pay a bit more. The bottom amount (REMAINING TO BE PAID) needs to be zero and then you can move to the next step"]
[{"$nulls":6},"TOTAL MONTHLY PAYMENT",0]
[{"$nulls":6},"ADDITIONAL FEES",0]
[{"$nulls":6},"MONTHLY PAYMENT RESIDENT 1",0,{"$nulls":4}," "]
[{"$nulls":6},"MONTHLY PAYMENT RESIDENT 2",0]
[{"$nulls":6},"MONTHLY PAYMENT RESIDENT 3",0]
[{"$nulls":6},"MONTHLY PAYMENT RESIDENT 4",0]
[{"$nulls":6},"REMAINING TO BE PAID",0]
[null,"TOTAL UTILITY COSTS PER MONTH FOR THE PROPERTY",{"$nulls":4},"ROOMMATE INFORMATION"]
[null,"# OF ROOMMATES",1,2,3,4,"# OF ADULT RESIDENTS",1,"STEP 3: Complete the ROOMMATE INFORMATION, starting with the number of roommates. If you live alone you are considered 1 roommate. If you have mulitple people living in the residence then you will need to have a head roommate. Record the name of who will be head roommate (this is who everyone will give their payments to each month and they will pay for all costs related to the house or appartment. Fill in the rest of the roommate names and assign them to a bedroom. If you have a parking stall or garage, record who has that space. "]
[null,"ELECTRICITY",70,130,60,55," ","HEAD ROOMMATE"]
[null,"GAS",20,30,12,10,"NAME OF ROOMMATE","AREA",null,null," "]
[null,"WATER",30,50,20,20," ","BEDROOM 2"]
[null,"CABLE/INTERNET",0,0,0,0,null,"BEDROOM 3"]
[null,"FOOD",160,290,375,400,null,"BEDROOM 4"]
[null,"HOUSEHOLD SUPPLIES",15,24,28,40,null,"PARKING GARAGE/SPACE"]
[]
[null,"UTILITIES INCLUDED IN RENT",{"$nulls":4},"MOVE IN FEES (FIRST MONTHLY ONLY)"]
[null,"GAS","NO",null,null,null,"MOVE IN THIS MONTH?","NO"]
[null,"WATER","NO",null,null,null,"Security Deposit",0]
[null,"ELECTRICITY","NO",null,null,null,"First Months' Rent",25]
[{"$nulls":6},"FEES PER ROOMMATE",0]
[{"$nulls":7},"revised 12/26/18"]

{"sheet":"ENTERTAINMENT","index":6,"n_rows":64,"n_cols":8,"rows_kept":64,"cut":false,"hidden":false,"merged":[[22,4,22,8],[23,4,23,8],[8,4,8,8],[1,0,1,7],[5,1,5,7],[14,1,14,7],[12,0,12,2],[54,1,54,7],[29,4,29,7],[33,4,33,7],[34,4,34,7],[35,4,35,7],[36,0,36,2],[28,4,28,7],[55,4,55,7],[62,4,62,7],[63,0,63,2],[0,0,0,7],[3,0,3,7],[18,0,18,2],[20,1,20,7],[7,4,7,8],[51,4,51,7],[48,0,48,7],[9,4,9,8],[39,0,39,7],[21,4,21,8],[10,4,10,8],[11,4,11,8],[27,1,27,7],[25,0,25,2],[30,0,30,2],[44,0,44,2],[46,0,46,2],[32,1,32,7],[24,4,24,8],[52,0,52,2],[40,1,40,7],[41,4,41,7],[43,4,43,7],[49,1,49,7],[50,4,50,7]],"flags":["formulas_cached_only"]}
["ENTERTAINMENT OPTIONS"]
["Directions: Choose the selected entertainment services you want. If you choose the TV-INTERNET bundles at the bottom it covers a number of the entertainment services from the top sections."]
[{"$nulls":7},"REVISED 6/15/18"]
["ENTERTAINMENT SERVICES "]
[]
["TELEVISION ","DIRECTIONS: PUT A 1 IN THE YELLOW BOX NEXT TO SERVICE YOU WANT, CHOOSE ONLY 1"]
[null,"MONTHLY PRICING"]
["BASIC CABLE",30,0,0,"LOCAL BROADCAST STATIONS (ABC, CBS, NBC, FOX, PBS)"]
["EXPANDED CABLE",45,0,0,"ALL OF THE  ABOVE - PLUS DISNEY, ESPN, MTV 30-50 CHANNELS"]
["ADVANCED CABLE",65,0,0,"ALL OF THE  ABOVE - 125 CHANNELS"]
["TV SILVER CABLE ",85,0,0,"ALL OF THE  ABOVE - 175 CHANNELS"]
["TV GOLD CABLE",105,0,0,"ALL OF THE  ABOVE - 250 CHANNELS"]
["TOTAL",null,null,0]
[]
["STREAMING SERVICES","DIRECTIONS: PUT A 1 IN THE YELLOW BOX NEXT TO ALL THE SERVICES YOU WANT"]
["NETFLIX STREAMING",9,0,0,"MONTHLY SUBSCRIPTION SERVICE"]
["HULU",8,0,0,"MONTHLY SUBSCRIPTION SERVICE"]
["AMAZON PRIME",8.25,0,0,"MONTHLY SUBSCRIPTION SERVICE"]
["TOTAL",null,null,0]
[]
["PREMIUM CHANNELS","DIRECTIONS: PUT A 1 IN THE YELLOW BOX NEXT TO SERVICE YOU WANT, CHOOSE ONLY 1"]
["1 PREMIUM CHANNEL",16,0,0,"PREMIUM CHANNELS ARE HBO, SHOWTIME, CINEMAX, STARZ"]
["2 PREMIUM CHANNELS",28,0,0,"PREMIUM CHANNELS ARE HBO, SHOWTIME, CINEMAX, STARZ"]
["3 PREMIUM CHANNELS",39,0,0,"PREMIUM CHANNELS ARE HBO, SHOWTIME, CINEMAX, STARZ"]
["4 PREMIUM CHANNELS",48,0,0,"PREMIUM CHANNELS ARE HBO, SHOWTIME, CINEMAX, STARZ"]
["TOTAL",null,null,0]
[]
["DIGITAL VIDEO RECORDER (DVR)","DIRECTIONS: PUT A 1 IN THE YELLOW BOX NEXT TO SERVICE YOU WANT, CHOOSE ONLY 1"]
[" HD  (RECORD 2) DIGITAL RECEIVER",23,0,0,"included rental of device and service fee"]
[" HD  (RECORD 6) DIGITAL RECEIVER",28,0,0,"included rental of device and service fee"]
["TOTAL",null,null,0]
[]
["INTERNET","DIRECTIONS: PUT A 1 IN THE YELLOW BOX NEXT TO SERVICE YOU WANT, CHOOSE ONLY 1"]
["STANDARD 6 MBPS",35,0,0,"BASIC EMAIL AND CHAT"]
["HIGH SPEED 30MBPS",55,0,0,"WEB SURFING"]
["STREAMING/GAMING 100 MBPS",75,0,0,"GAMING CONSOLE AND WEB STREAMING"]
["TOTAL",null,null,0]
[]
[]
["If you choose the promotional options below, they will cover much of what you need."]
["TV-INTERNET BUNDLES","DIRECTIONS: PUT A 1 IN THE YELLOW BOX NEXT TO SERVICE YOU WANT, CHOOSE ONLY 1"]
["DVR BUNDLE",90,0,0,"Advanced Cable, Streaming Internet, & DVR"]
["PREMIUM CHANNEL BUNDLE",110,0,0,"Advanced Cable, Streaming Internet, DVR, & HBO, CINEMAX & SHOWTIME"]
["STREAMING/GAMING 100 MBPS",130,0,0,"TV Gold Cable, Streaming Internet,  & DVR"]
["TOTAL",null,null,0]
[]
["HOME ENTERTAINMENT SERVICES COSTS ",null,null,0]
[" "]
["PERSONAL ENTERTAINMENT SUBSCRIPTION SERVICES "]
["MUSIC","DIRECTIONS: PUT A 1 IN THE YELLOW BOX NEXT TO SERVICE YOU WANT"]
["SPOTIFY PREMIUM",10,0,0," "]
["APPLE MUSIC",10,0,0," "]
["TOTAL",null,null,0]
[]
["GAMING","DIRECTIONS: PUT A 1 IN THE YELLOW BOX NEXT TO EACH SERVICE YOU WANT"]
["Xbox One Pass",9.99,0,0," "]
["Utomik",5.99,0,0]
["Jump",9.99,0,0]
["EA Access",4.99,0,0]
["GameFly",9.99,0,0]
["OnePlay",9.99,0,0]
["PlayStation Now",19.99,0,0]
["Blizzard Gaming-World of Warcraft",12.99,0,0," "]
["TOTAL",null,null,0]

{"sheet":"EDUCATION","index":7,"n_rows":33,"n_cols":5,"rows_kept":33,"cut":false,"hidden":false,"merged":[[25,0,25,4],[12,0,12,4],[4,0,4,4],[26,0,26,3],[27,0,27,3],[28,0,28,3],[0,0,0,4],[1,0,1,4],[8,0,8,3],[9,0,9,1],[9,2,9,4],[19,0,19,3],[3,0,3,3],[20,0,20,4],[24,0,24,3],[2,0,2,4],[29,0,29,3],[10,0,10,1],[10,2,10,4],[11,0,11,1],[11,2,11,4]],"flags":["formulas_cached_only"]}
["COST OF EDUCATION"]
["Directions: For leadership positions in the company you must have a college degree and must complete this section on education - Complete the areas in yellow only"]
["STEP 1: Look at your current weighed GPA and record that on the box below to determine how much help you will get from government resources, grants, and scholarships to help you through college."]
["CURRENT WEIGHED HIGH SCHOOL GPA",null,null,null,0]
["STEP 2: Next you must determine where you went to college. Mark the number of years you attended college and university in the grid below. Typically most students take 5-6 years to complete there BA degree and 6-7 for a masters degree like an MBA. The costs cover tuition, books, room and board, transportation and other expenses. (source: College Board)"]
[null,"COMMUNITY COLLEGE","IN STATE UNIVERSITY","OUT OF STATE UNIVERSITY","PRIVATE   UNIVERSITY"]
["YEARS ATTENDED",0,0,0,0]
["COSTS",0,0,0,0]
["TOTAL ESTIMATED COST",null,null,null,0]
["NAME OF SCHOOL ATTENDED",null," "]
["NAME OF SCHOOL ATTENDED",null," "]
["NAME OF SCHOOL ATTENDED",null," "]
["STEP 3: Many students attending college get financial aid to help them with the costs of going to college. The financial aid is based on financial need and high school academic performance. Based on your GPA from step 1, your financial aid has been calculated in the table below: (source: California Department of Ed. & Federal Department of Ed)"]
["GPA","STATE GRANT","PELL GRANT","SCHOLARSHIPS","SUB TOTALS"]
["Below 2.0"," "," "," "," "]
["Above 2.0",0,0,0,0]
["Above 3.0",0," ",0,0]
["Between 3.51-3.99"," "," ",0,0]
["4.0 and above"," "," ",0,0]
["TOTAL ESTIMATED FINANCIAL AID",null,null,null,0]
["STEP 4: Many students work a part-time job while going to college, They typically get paid minimum wage and work less than 30 hours a week. Because you are attending college, your age for this simulation would be 22 hrs. per week complete the table below to estimate your earnings while in college"]
["WORK LOG","COMMUNITY COLLEGE","IN STATE UNIVERSITY","OUT OF STATE UNIVERSITY","PRIVATE   UNIVERSITY"]
["YEARS WORKED",0,0,0,0]
["COSTS",0,0,0,0]
["TOTAL ESTIMATED EARNINGS",null,null,null,0]
["STEP 5: With all the financial aid available and the money earned by working you still might need more money to pay for college. In this case, you will need to get a student loan. This needs to be paid back and will be added to your monthly personal finance sheet. "]
["TOTAL ESTIMATED COST FOR YOUR EDUCATION",null,null,null,0]
["TOTAL ESTIMATED FINANCIAL AID",null,null,null,0]
["TOTAL ESTIMATED EARNINGS USED TOWARD COLLEGE COSTS",null,null,null,0]
["TOTAL  AMOUNT STILL OWED",null,null,null,0]
[null,"LOAN RATE","TERM IN MONTHS","TOTAL OWED","MONTHLY PAYMENT"]
["STUDENT LOAN",0.068,120,0,0]
[null," ",null,null,"revised 10/6/16"]

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["HOUSING-TRANSPORTATION SHEET"]
[]
["UTILITIES"]
[]
["OWN HOUSE",null,null,null,"RENT APARTMENT/HOUSE"]
["NUMBER OF ADULTS",null,0,null,"NUMBER OF ADULTS",null,1]
[]
[" ","FOOD","HOUSEHOLD SUPPLIES",null,"WATER","GAS","ELECTRICITY"]
["1 ADULT",160,15," ",30,20,70]
["2 ADULTS",0,0," ",0,0,0]
["3 ADULTS",0,0," ",0,0,0]
["4 ADULTS",0,0," ",0,0,0]
[null,160,15," ",30,20,70]
[]
[null,"FOOD","HOUSEHOLD SUPPLIES",null,"WATER","GAS","ELECTRICITY"]
["W/INFANT",0,0," ",0,0,0]
["W/TODDLER",0,0,null,0,0,0]
["W/CHILD",0,0,null,0,0,0]
["W/PRE-TEEN",0,0,null,0,0,0]
["W/TEEN",0,0,null,0,0,0]
["TOTALS ",0,0," ",0,0,0]
[]
["HOMEOWNER FEES",null,null,null,"FAMILY UNIT"]
["ASSOCIATION FEES",null,0,null,"Children",0,"NUMBER OF INFANTS"]
["FIRE INSURANCE",null,0,null,null,0,"NUMBER OF TODDLERS"]
["EARTHQUAKE INSURANCE",null,0,null,null,0,"NUMBER OF CHILDREN"]
["HOMEOWNERS INSURANCE",null,0,null,null,0,"NUMBER OF PRE-TEENS"]
["PROPERTY TAX",null,0,null,null,0,"NUMBER OF TEENS"]
["MONTHLY INSURANCE TOTAL",null,0]
[]
["RENTERS FEES"]
["APPLICATION FEE",null,25]
["PET FEE",null,0]
["RENTERS INSURANCE",null,0]
["MONTHLY RENTAL FEE TOTAL",null,0]
[" "]

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["DEPENDENTS"]
["Children"]
["IF YOU HAVE CHILDREN YOU WILL BE REQUIRED TO ADD THE FOLLOWING ADDITIONS EACH MONTH TO YOUR FINANCIAL COST"]
[]
["IT IS ASSUMED THAT YOU DO NOT HAVE ANY FAMILY THAT WILL HELP YOU IN THE AREA- YOU ARE ON YOUR OWN."]
[]
["IF YOU ARE SINGLE YOU WILL PAY ALL OF THESE COSTS, MARRIED COUPLES SPLIT THE COSTS"]
[]
["DETERMINE EACH CHILD INDEPENDENTLY AND ADD UP TOTALS TO ADJUST YOUR ITEMIZED FINANCE SHEET"]
[]
[" ","FOOD","HOUSEHOLD SUPPLIES","CLOTHING","WATER","GAS","ELECTRICITY","CHILDCARE","GASOLINE","total children"]
["INFANT",0,0,0,0,0,0,0,0,0]
["PRESCHOOL-CHILD",0,0,0,0,0,0,0,0,0]
["ELEMENTARY CHILD",0,0,0,0,0,0,0,0,0]
["PRE-TEEN",0,0,0,0,0,0,0,0,0]
["TEEN",0,0,0,0,0,0,0,0,0]
["ADULT DEPENDENT",0,0,0,0,0,0,1,0,0]
["TOTAL FOR ALL CHILDREN",0,0,0,0,0,0,0,0]
[]
["HEALTH CARE COSTS ARE INCREASED FOR EACH CHILD OR DEPENDENTS - SPEAK TO YOUR HR DEPARTMENT FOR ADJUSTMENTS"]
[]
["TEEN DEPENDENTS","DOUBLE PHONE BILL, CAR INSURANCE"]
[]
["YOUR NUMBER OF SICK DAYS USEABLE FOR YOU ARE REDUCED BY 3 FOR EACH CHILD YOU HAVE TO COVER CHILD EMERGENCIES"]
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[]
["Pets"]
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[null,"PET FOOD","ENCLOSURES","TOYS","SUPPLIES","TOTALS"," ","COST PER"]
["CATS",15,0,2.5,5.5,23,0,0]
["DOGS",20,0,2.5,7.5,30,0,0]
["FISH",5,3,0,2,10,0,0]
["REPTILES",10,3,0,3,16,0,0]
["BIRDS",10,4,1,3,18,0,0]
["CRITTERS",9,3,2,3,17,0,0]
["OTHER",9,3,2,3,17,0,0]
[{"$nulls":6},"TOTAL COST PER MONTH FOR ALL PETS",0]

{"sheet":"STUDENT LOAN","index":10,"n_rows":374,"n_cols":10,"rows_kept":374,"cut":false,"hidden":false,"merged":[[95,6,95,9],[80,1,83,3],[85,1,85,3],[85,4,85,5],[86,1,86,3],[86,4,86,5],[85,6,85,7],[86,6,86,7],[77,8,84,9],[77,5,84,5],[77,1,78,4],[77,6,84,7],[88,1,88,3],[85,8,94,9],[87,6,94,7],[3,1,3,3],[3,5,3,7],[3,8,8,9],[90,1,90,3],[94,1,94,2]],"flags":["formulas_cached_only"]}
["Student Loan Payment Schedule"]
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[null,"Enter Values Here",null,null,null,"Student Loan Summary",null,null," "]
[null,null,"Loan Amount",0,null,null,"Scheduled Payment",""]
[null,null,"Annual Interest Rate",0.068,null,null,"Scheduled Number of Payments",""]
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[null,null,"Number of Payments Per Year",12,null,null,"Total Early Payments",""]
[null,null,"Start Date of Loan","2018-12-01",null,null,"Total Interest",""]
[null,null,"Optional Extra Payments",0]
[]
[]
[]
[]
["PmtNo.","Payment Date","Beginning Balance","Scheduled Payment","Extra Payment","Total Payment","Principal","Interest","Ending Balance","Cumulative Interest"]
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[null,"RECIPIENTS'S/LENDER'S name, street address, city or town, state or province, country or foregin code, and telephone number",{"$nulls":4},"OMB NO. 1545-1576         2019 Form 1098-E",null,"Student         Loan Interest Statement"]
[]
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[null,"VE NETWORK BANK                           122 Amsterdam Avenue,\nNew York, NY 10023"]
[]
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[null,"Form 1098-E",null,"Cat. No. 25088U",null,"www.irs.gov/form1098-E","Department of the Treasury - Internal Revenue Service"]
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{"sheet":"PERSONAL LOANS","index":11,"n_rows":379,"n_cols":10,"rows_kept":379,"cut":false,"hidden":false,"merged":[[3,1,3,3],[3,5,3,7],[11,2,11,7],[13,3,13,9],[3,8,8,9],[11,0,11,1]],"flags":["formulas_cached_only"]}
["Loan Application "]
[]
[]
[null,"Enter Values Here",null,null,null,"Loan Summary",null,null,"PRINT THIS SHEET TO APPLY FOR LOAN AND TURN IN FOR APPROVAL AND LOAN FUNDING"]
[null,null,"Loan Amount",2000,null,null,"Scheduled Payment",169.38739751697787]
[null,null,"Annual Interest Rate",0.03,null,null,"Scheduled Number of Payments",12]
[null,null,"Loan Period in Years",1,null,null,"Actual Number of Payments",12]
[null,null,"Number of Payments Per Year",12,null,null,"Total Early Payments",0]
[null,null,"Start Date of Loan","1904-01-02",null,null,"Total Interest",32.64877020373479]
[null,null,"Optional Extra Payments",0]
[]
["Reason for loan",{"$nulls":7},"Approval date"]
[]
[null,null,"Signature of Applicant"]
[]
[]
[]
["PmtNo.","Payment Date","Beginning Balance","Scheduled Payment","Extra Payment","Total Payment","Principal","Interest","Ending Balance","Cumulative Interest"]
[]
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[328,"1931-05-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[329,"1931-06-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[330,"1931-07-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[331,"1931-08-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[332,"1931-09-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[333,"1931-10-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[334,"1931-11-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[335,"1931-12-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[336,"1932-01-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[337,"1932-02-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[338,"1932-03-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[339,"1932-04-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[340,"1932-05-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[341,"1932-06-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[342,"1932-07-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[343,"1932-08-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[344,"1932-09-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[345,"1932-10-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[346,"1932-11-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[347,"1932-12-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[348,"1933-01-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[349,"1933-02-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[350,"1933-03-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[351,"1933-04-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[352,"1933-05-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[353,"1933-06-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[354,"1933-07-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[355,"1933-08-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[356,"1933-09-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[357,"1933-10-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[358,"1933-11-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[359,"1933-12-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]
[360,"1934-01-02",0,169.38739751697787,0,0,0,0,0,32.64877020373479]

{"sheet":"TO THE TEACHER","index":12,"n_rows":14,"n_cols":2,"rows_kept":14,"cut":false,"hidden":false,"merged":[[0,0,0,1],[1,0,1,1],[2,0,2,1]],"flags":["formulas_cached_only"]}
["Personal Finance for Single  Instructions: version 1.2"]
["This comprehensive sheet explores all aspects of personal finance that can be used to simulate real life. The sheets have been designed to be used a personal finance component of a simulated company, where the students are employees in the company. However, this can be adapted to any personal finance unit. Below are the basic descriptions of the tabs found in this file."]
[]
["PERSONAL FINANCE","The PERSONAL FINANCES tab will pull everything together on to one sheet if error message appears they need to look back at the other sheet to find what was not filled out or not filled out correctly."]
["MONTHLY EXPENSES","The MONTHLY LIVING tab requires the student to update this information each month. In this sheet, they will be determining what they spent their money on for the month. Students need to spend a percentage of their earnings on themselves and that is reflected in the flexible month expenses each month. There are two optional items at the top that can be used with in VE for required company pruchases and the use of LIFE HAPPENS Cards, which are avalaible on my website."]
["INFORMATION","The INFORMATION tab is where you will be selecting the basic information for you in the simulation and needs to be completely filled out as to avoid error messages in the other sheets."]
["BUDGET","STEP 1: Calculate what can be afforded by working through the BUDGET tab. On this tab, students can experiment with numbers trying to establish an \"affordable budget\" designation at the bottom of the sheet. This will help them figure out if they need to have roommates or can live alone and what is affordable for rent and car payments. The budget tab requires them to have at least $50 remaining at the end of the budget. Establish a starting monthly salary for students to use on the budget sheet. It is recommended management positions use $4000 a month, while support positions use $2000 to work through the budget"]
["CAR PURCHASE","STEP 2: The CAR PURCHASE tab will lead them through the process of purchasing a vehicle, during this process they have a number of options for buying a car."]
["HOUSING","STEP 3: The HOUSING tab will lead them through the process of finding a home, establishing monthly payments and establishing roommates."]
["ENTERTAINMENT","STEP 4: The ENTERTAINMENT tab is where you will be selecting the cable, internet and entertainment options you want in your life. If you have roommates, you should sit down with them to determine what \"whole house\" options you want and all select the same option. Personal things like music and gaming is individual."]
["EDUCATION","STEP 5: The EDUCATION tab will simulate the costs of attending college, earning a degree and calculating student loans payments to pay off college. It is suggested to this required for managers/leaders and make it optional for all others in the simulation."]
["STUDENT LOANS","The student loan information will calculate automatically as you complete the Education tab. It will give a breakdown of the of the monthly payments and interest. The tab will also automatically generate a 1098-E form  to be used if the students will be doing their taxes and you want to include that as a part of your personal finance requirements."]
["PERSONAL LOANS","The PERSONAL LOANS tab is used when students need extra money for things like a down payment on a house, car or if they go bankrupt from overspending and need a personal loan to live on. If students need personal loans they need to complete the Personal Loan application and print the page for approval through their teacher"]
["Note","The file is protected so that students do not accidentally replace formulas throughout the sheets. If they save the file in Google sheets and open online, the protections can be lost and they can accidentally create errors. It is recommended that the sheet is worked on only using Excel. Email me if you would like to make changes to the sheet  alan.gersten@sausd.us and I'll send you the password."]