personal finance how to be smart with your money – whether you’re earning, spending or saving it
Post on 17-Dec-2015
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Consumer Survey
Which of the following information sources about products could you trust?
Product ads Product labels Consumer group or government agency Salesperson Celebrity spokesperson Other consumer opinions
Consumer Survey
Which of the following information sources about products could you trust?
Consumer group or government agency • http://www.cpsc.gov/ • http://www.consumerreports.org/cro/index.htm
Other consumer opinions• http://www.angieslist.com/Angieslist/• http://www.tripadvisor.com/
Consumer Survey
If you had a complaint about a product you bought, what should you do FIRST?
Return it to the seller Contact the manufacturer Write to a consumer “help” reporter Report it to a consumer affairs
agency
Consumer Survey
When is comparison shopping essential to good money management?
When making a major purchase When buying any but the most minor
thing Always
Consumer Survey
Which of these is essential to good money management?
Developing a financial plan Making and following a budget Comparison shopping Researching products and services Maintaining health and other insurance Saving for a rainy day
Consumer Survey
At what point in their lives do people first form consumer attitudes and habits?
During early childhood During their school years After graduating from high
school/college When they start working full time
Consumer Survey
Q9: How much money per month do you think you’d need to earn to live (independent of your parents) in comfort?
$1,000-$2,000 $2,000-$4,000 $4,000-$8,000 $8,000-$10,000 More than $10,000
Price of Independence: Monthly Expenses
____ Housing (rent or mortgage)____ Utilities (gas, electric, water)____ Phone/Cell phone/Internet____ Food (cooking, eating out)____ Transportation (car, gas, insurance)____ Clothing (work, casual)____ Medical expenses ____ Miscellaneous (glasses, cleaning
supplies, pets)____ Savings____ Entertainment (cable, health club, travel)
Price of Independence: Monthly Expenses
$800 Housing (rent or mortgage)$50-200 Utilities (gas, electric, water)$50-300 Phone/Cell phone/Internet$400-?? Food (cooking, eating out)$150-?? Transportation (car, gas, insurance)____ Clothing (work, casual)____ Medical expenses ____ Miscellaneous (glasses, cleaning
supplies, pets)$200 Savings?? Entertainment
Price of Independence: Monthly Expenses
TOTAL: $1450 to ???
How much would your life cost?
Probably at least $2500
Price of Independence: Monthly Expenses
TOTAL: $2500 a month
What kind of job do you need to earn that much?
National Median Salaries (NOT starting salaries)
CashierChild care workerTravel agentAuto mechanicChefCarpenterTeacherPolice OfficerRegistered NurseMeteorologistSoftware engineerLawyerPediatrician
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care workerTravel agentAuto mechanicChefCarpenterTeacherPolice OfficerRegistered NurseMeteorologistSoftware engineerLawyerPediatrician
*monthly pay is after tax
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care worker $17,630/yr $1,131/moTravel agentAuto mechanicChefCarpenterTeacherPolice OfficerRegistered NurseMeteorologistSoftware engineerLawyerPediatrician
*monthly pay is after tax
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care worker $17,630/yr $1,131/moTravel agent $29,210/yr $1818/moAuto mechanicChefCarpenterTeacherPolice OfficerRegistered NurseMeteorologistSoftware engineerLawyerPediatrician
*monthly pay is after tax
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care worker $17,630/yr $1,131/moTravel agent $29,210/yr $1,818/moAuto mechanic $33,780/yr $2,086/moChefCarpenterTeacherPolice OfficerRegistered NurseMeteorologistSoftware engineerLawyerPediatrician
*monthly pay is after tax
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care worker $17,630/yr $1,131/moTravel agent $29,210/yr $1,818/moAuto mechanic $33,780/yr $2,086/moChef $34,370/yr $2,117/moCarpenterTeacherPolice OfficerRegistered NurseMeteorologistSoftware engineerLawyerPediatrician
*monthly pay is after tax
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care worker $17,630/yr $1,131/moTravel agent $29,210/yr $1,818/moAuto mechanic $33,780/yr $2,086/moChef $34,370/yr $2,117/moCarpenter $36,550/yr $2,227/moTeacherPolice OfficerRegistered NurseMeteorologistSoftware engineerLawyerPediatrician
*monthly pay is after tax
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care worker $17,630/yr $1,131/moTravel agent $29,210/yr $1,818/moAuto mechanic $33,780/yr $2,086/moChef $34,370/yr $2,117/moCarpenter $36,550/yr $2,227/moTeacher $45,570/yr $2,680/moPolice OfficerRegistered NurseMeteorologistSoftware engineerLawyerPediatrician
*monthly pay is after tax
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care worker $17,630/yr $1,131/moTravel agent $29,210/yr $1,818/moAuto mechanic $33,780/yr $2,086/moChef $34,370/yr $2,117/moCarpenter $36,550/yr $2,227/moTeacher $45,570/yr $2,680/moPolice Officer $47,460/yr $2,775/moRegistered NurseMeteorologistSoftware engineerLawyerPediatrician
*monthly pay is after tax
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care worker $17,630/yr $1,131/moTravel agent $29,210/yr $1,818/moAuto mechanic $33,780/yr $2,086/moChef $34,370/yr $2,117/moCarpenter $36,550/yr $2,227/moTeacher $45,570/yr $2,680/moPolice Officer $47,460/yr $2,775/moRegistered Nurse $57,280/yr $3,269/moMeteorologistSoftware engineerLawyerPediatrician
*monthly pay is after tax
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care worker $17,630/yr $1,131/moTravel agent $29,210/yr $1,818/moAuto mechanic $33,780/yr $2,086/moChef $34,370/yr $2,117/moCarpenter $36,550/yr $2,227/moTeacher $45,570/yr $2,680/moPolice Officer $47,460/yr $2,775/moRegistered Nurse $57,280/yr $3,269/moMeteorologist $77,150/yr $4,265/moSoftware engineerLawyerPediatrician
*monthly pay is after tax
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care worker $17,630/yr $1,131/moTravel agent $29,210/yr $1,818/moAuto mechanic $33,780/yr $2,086/moChef $34,370/yr $2,117/moCarpenter $36,550/yr $2,227/moTeacher $45,570/yr $2,680/moPolice Officer $47,460/yr $2,775/moRegistered Nurse $57,280/yr $3,269/moMeteorologist $77,150/yr $4,265/moSoftware engineer $85,370/yr $4,658/moLawyerPediatrician
*monthly pay is after tax
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care worker $17,630/yr $1,131/moTravel agent $29,210/yr $1,818/moAuto mechanic $33,780/yr $2,086/moChef $34,370/yr $2,117/moCarpenter $36,550/yr $2,227/moTeacher $45,570/yr $2,680/moPolice Officer $47,460/yr $2,775/moRegistered Nurse $57,280/yr $3,269/moMeteorologist $77,150/yr $4,265/moSoftware engineer $85,370/yr $4,658/moLawyer $102,470/yr $5,463/moPediatrician
*monthly pay is after tax
National Median Salaries (NOT starting salaries)
Cashier $16,810/yr $1,082/mo*Child care worker $17,630/yr $1,131/moTravel agent $29,210/yr $1,818/moAuto mechanic $33,780/yr $2,086/moChef $34,370/yr $2,117/moCarpenter $36,550/yr $2,227/moTeacher $45,570/yr $2,680/moPolice Officer $47,460/yr $2,775/moRegistered Nurse $57,280/yr $3,269/moMeteorologist $77,150/yr $4,265/moSoftware engineer $85,370/yr $4,658/moLawyer $102,470/yr $5,463/moPediatrician $136,600/yr $7,070/mo
*monthly pay is after tax
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