Author Archives: jadem2018

Science 10 Online Self Assesment

My transition from in-school learning to online learning has been good, there have been a few challenges at the beginning, truth be told but once we started doing it almost everyday and each teacher trying to help and navigate through this new learning process has been semi-enjoyable. I think the most beneficial parts of this experience have been having all day to work on an assignment instead of it being only for an hour and twenty minutes. This gives the opportunity to continue on the one assignment and you maintain your idea and train of thought longer. There isn’t much about online learning that i would want to change because it is very straight forward and simple to understand. 

 

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Jade’s Future Lifestyle on $49,000.00/year

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PART 1: Budget

  1. Career

What is the career given to you? Waitstaff

What is your estimated salary/income? $49k

  1. Deductions

Net Income   =   Gross income $49k x   0.3

My annual Net income is: $34,300

My monthly Net income is annual income / 12 = $2,858.33

  1. Housing
  2. What city would you like to live in? Downtown New Westminster
  3. How many roommates will you have? 2 roommates
  4. I plan to RENT or BUY (highlight one)
  5. My monthly rent or mortgage payment is $966.67
  6. How much is your home insurance? $29.34/month

 

  1. Utilities (Electricity, heating, hot water)
  2. Living alone: $50/month
  3. Living with 1 roommate: $35/month per person
  4. Living with 2 roommates: $30/month per person

 

  1. Telecommunications
Service Cost
Cell Phone and plan $20.00/per person
Internet $45/month
Netflix $13.99/month

 

Total :  $78.99

  1. Food
    1. Complete Meal Planner
    2. Meal cost $46.09 /month

 

  1. Transportation

How will you get around?

  1. Public transit – $13/month
  2. Bike
  3. Car
    1. Use Car Purchase Assignment for this info
    2. Total car payment – $239,990.00
  • Total monthly car insurance – $1800/month
  1. Total monthly gas estimate – $200/month

 

  1. Health Care:
  2. What will your monthly rate be? $37.50/month

 

  1. Recreation
 

What will you do for fun?

How many times per month will you do this activity? How much does it cost per time you do this?  

 

TOTAL COST per month

movies 1-2 $13.99 $28.00
TOTAL COST of all activities for the month:

$28.00

 

  1. Savings

Something I want to save up for is Anything.

  • This costs 142.91
  • I want to buy it in whenever I feel the desire to buy something.
  • How much would you need to put into Savings each month to reach this goal? All of my extra cash.

 

  1. Emergencies
  2. How much per month will you put into savings towards your goals (5% of your net income is recommended) –$142.91/month
  3. How much per month will you put into an emergency fund (5% of your net income is recommended; this is for when unexpected costs pop up in your life) – $42.91/month

 

  1. Other

Where else will your money go? Charity, travel, furniture, renovations etc.

-Travel

I’m not going to make a special section for this, it would just be one of those things that if I had extra money for in that moment, I would use it.

LIVING EXPENSES $ per month $ per year
Housing
Rent/mortgage payments  $                     966.67  $               11,600.04
Home Insurance  $                       29.34  $                    352.08
Utilities  $                       30.00  $                    360.00
Telecommunications  $                       78.99  $                    947.88
Food
Meal Costs  $                       46.90  $                    562.80
Transportation
Public transit  $                       13.00  $                    156.00
Bike  $                             –  $                            –
Car payments  $                             –  $                            –
Car insurance  $                             –  $                            –
Gas estimate  $                             –  $                            –
Maintenance and repairs (2% of value of car)  $                             –  $                            –
Health Care
Prescriptions/glasses/contacts
Monthly rate  $                       37.50  $                    156.00
Recreation
Total recreation costs  $                       28.00  $                    336.00
Savings
Savings  $                     142.91  $                 1,714.92
Emergencies  $                       42.91  $                    514.92
Miscellaneous
Computer  $                    200.00
Personal grooming (haircuts, makeup, shampoo, soap, deodorant, etc.)  $                       75.00  $                    900.00
Clothing  $                     200.00  $                 2,400.00
Other
Charity  $                             –  $                            –
etc
 $               20,200.64
Total Expences  $                 1,691.22  $               20,200.64
NET INCOME  $                 4,000.00  $               48,000.00
Monthly Yearly
TOTAL EXPENSES $1,691.22 $20,200.64
TOTAL INCOME $4,000.00 $48,000.00
DIFFERENCE: $2,308.78 $27,799.36

SMART Goals Reflection

1. What was your goal?

My goal was to attempt to stop swearing so much. In recent weeks it has come to my attention that I have a problem, so this was my attempt to fix that.

2. Did you achieve it? How or how not?

Sadly I was not successful with my goal, although I am not that heartbroken over it. Over these past weeks I’d like to think that I have improved this so called “problem” but if anything I think it escalated. The first couple of days i was doing pretty well, but then I got mad at my sister for existing and my attempt at this new and improved me was no more.

3. What was the most challenging part of achieving your goal?

I would say that the most challenging part of this experience was my sister, she makes it very hard to be polite. This goal was challenging because I had to start thinking about what I was going to say before I said it, when I’m usually just waiting to hear what I say.

4. What would you do differently next time?

I probably wasn’t as committed to the cause as I should have been, not gonna lie. Next time if I ever try to attempt this goal again I think I would try to censor myself a lot more and actually think before I speak.

5. Will you continue with this type of goal? If you do, explain what you will do. If not, explain why you are satisfied with where you are at.

I think for right now I bookmark this experiment for now, because this is only a problem around my friend and my sister, I haven’t been called out on it yet so hopefully we will keep it that way.