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12 Month Budget Example

Name
Section

$ per/hr

PT Hours

Income Calculations
PT Salary FT Hours FT Salary

Aug Salary

Todd
Melanie
Total

Income
Gross Combined Income
Combined Take Home Pay

May

Jun
$0
$5,150

$5,150

Expenses
Tithing & Charity
$650.00
$650.00
Car Loan
$200.00
$200.00
Mortgage
$1,149.00 $1,149.00
Mortgage 2
$582.82
$582.82
Utilities
$275.00
$275.00
Lessons
$155.00
$155.00
Gas
$170.00
$170.00
Car, Health and Life Insurance
$390.00
$390.00
Laundry & Dry Cleaning
$50.00
$50.00
Internet, Cable & Home Phone
$195.00
$195.00
Cell Phone
$85.00
$85.00
Food
$450.00
$450.00
Newspaper
$35.00
$35.00
Bowling
$85.00
$85.00
Medical Bill
$65.07
$65.07
Credit Card #1
$158.00
$158.00
Credit Card #2
$34.67
$34.67
Credit Card #3
$274.37
$274.37
Credit Union Loan
$280.85
$280.85
Gas Credit Card
$92.72
$92.72
Gifts
$15.00
$15.00
Misc.
$30.00
$30.00
Total Expenses
$5,422.50 $5,422.50

Jul
$0
$5,150

Aug
$0
$5,150

Sep
$0
$5,150

Oct
$0
$5,150

$650.00 $650.00
$650.00
$650.00
$200.00 $200.00
$200.00
$200.00
$1,149.00 $1,149.00 $1,149.00 $1,149.00
$582.82 $582.82
$582.82
$582.82
$275.00 $275.00
$275.00
$275.00
$155.00 $155.00
$155.00
$155.00
$170.00 $170.00
$170.00
$170.00
$390.00 $390.00
$390.00
$390.00
$50.00
$50.00
$50.00
$50.00
$195.00 $195.00
$195.00
$195.00
$85.00
$85.00
$85.00
$85.00
$450.00 $450.00
$450.00
$450.00
$35.00
$35.00
$35.00
$35.00
$85.00
$85.00
$85.00
$85.00
$65.07
$65.07
$65.07
$65.07
$158.00 $158.00
$158.00
$158.00
$34.67
$34.67
$34.67
$34.67
$274.37 $274.37
$274.37
$274.37
$280.85 $280.85
$280.85
$280.85
$92.72
$92.72
$92.72
$92.72
$15.00
$15.00
$15.00
$15.00
$30.00
$30.00
$30.00
$30.00
$5,422.50 $5,422.50 $5,422.50 $5,422.50

Surplus / (Deficit)

-$272.50

-$272.50

-$272.50

-$272.50

-$272.50

-$272.50

Total Savings/(Debt)

-$272.50

-$272.50

-$272.50

-$272.50

-$272.50

-$272.50

Will they have a Surplus


at the end of the 12 months?
a. Yes

b. No
Based on their projected budget, list 3 suggestions for Todd and Melanie
Don't take that trip in August

Don't honey moon for half of May and work instead

Find a better place to rent for cheaper and to pay less for utilities!

Nov
$0
$5,150

Dec
$0
$5,150

Jan
$0
$5,150

Feb
$0
$5,150

$650.00
$650.00
$650.00
$650.00
$200.00
$200.00
$200.00
$200.00
$1,149.00 $1,149.00 $1,149.00 $1,149.00
$582.82
$582.82
$582.82
$582.82
$275.00
$275.00
$275.00
$275.00
$155.00
$155.00
$155.00
$155.00
$170.00
$170.00
$170.00
$170.00
$390.00
$390.00
$390.00
$390.00
$50.00
$50.00
$50.00
$50.00
$195.00
$195.00
$195.00
$195.00
$85.00
$85.00
$85.00
$85.00
$450.00
$450.00
$450.00
$450.00
$35.00
$35.00
$35.00
$35.00
$85.00
$85.00
$85.00
$85.00
$65.07
$65.07
$65.07
$65.07
$158.00
$158.00
$158.00
$158.00
$34.67
$34.67
$34.67
$34.67
$274.37
$274.37
$274.37
$274.37
$280.85
$280.85
$280.85
$280.85
$92.72
$92.72
$92.72
$92.72
$15.00
$15.00
$15.00
$15.00
$30.00
$30.00
$30.00
$30.00
$5,422.50 $5,422.50 $5,422.50 $5,422.50

Mar
$0
$5,150

Apr
$0
$5,150

Total
$0
$61,800

$650.00
$650.00 $7,800.00
$200.00
$200.00 $2,400.00
$1,149.00 $1,149.00 $13,788.00
$582.82
$582.82 $6,993.84
$275.00
$275.00 $3,300.00
$155.00
$155.00 $1,860.00
$170.00
$170.00 $2,040.00
$390.00
$390.00 $4,680.00
$50.00
$50.00
$600.00
$195.00
$195.00 $2,340.00
$85.00
$85.00 $1,020.00
$450.00
$450.00 $5,400.00
$35.00
$35.00
$420.00
$85.00
$85.00 $1,020.00
$65.07
$65.07
$780.84
$158.00
$158.00 $1,896.00
$34.67
$34.67
$416.04
$274.37
$274.37 $3,292.44
$280.85
$280.85 $3,370.20
$92.72
$92.72 $1,112.64
$15.00
$15.00
$180.00
$30.00
$30.00
$360.00
$5,422.50 $5,422.50 $65,070.00

-$272.50

-$272.50

-$272.50

-$272.50

-$272.50

-$272.50 -$3,270.00

-$272.50

-$272.50

-$272.50

-$272.50

-$272.50

-$272.50 -$3,270.00

ities!

Fixed Budget
Name
Section

$ per/hr

PT Hours

Income Calculations
PT Salary FT Hours FT Salary

Aug Salary

Todd
Melanie
Total

Income
Gross Combined Income
Combined Take Home Pay

May

Jun
$0
$5,150

$5,150

Expenses
Tithing & Charity
$650.00
$650.00
Car Loan
$200.00
$200.00
Mortgage
$1,149.00 $1,149.00
Mortgage 2
$582.82
$582.82
Utilities
$275.00
$275.00
Gas
$170.00
$170.00
Car, Health and Life Insurance
$390.00
$390.00
Laundry & Dry Cleaning
$50.00
$50.00
Internet,& Home Phone
$100.00
$100.00
Cell Phone
$85.00
$85.00
Groceries
$450.00
$450.00
Medical Bill
$65.07
$65.07
Credit Card #1
$158.00
$158.00
Credit Card #2
$34.67
$34.67
Credit Card #3
$274.37
$274.37
Credit Union Loan
$280.85
$280.85
Gas Credit Card
$92.72
$92.72
Gifts
$15.00
$15.00
Total Expenses
$5,022.50 $5,022.50

Jul
$0
$5,150

Aug
$0
$5,150

Sep
$0
$5,150

Oct
$0
$5,150

$650.00 $650.00
$650.00
$650.00
$200.00 $200.00
$200.00
$200.00
$1,149.00 $1,149.00 $1,149.00 $1,149.00
$582.82 $582.82
$582.82
$582.82
$275.00 $275.00
$275.00
$275.00
$170.00 $170.00
$170.00
$170.00
$390.00 $390.00
$390.00
$390.00
$50.00
$50.00
$50.00
$50.00
$100.00 $100.00
$100.00
$100.00
$85.00
$85.00
$85.00
$85.00
$450.00 $450.00
$450.00
$450.00
$65.07
$65.07
$65.07
$65.07
$158.00 $158.00
$158.00
$158.00
$34.67
$34.67
$34.67
$34.67
$274.37 $274.37
$274.37
$274.37
$280.85 $280.85
$280.85
$280.85
$92.72
$92.72
$92.72
$92.72
$15.00
$15.00
$15.00
$15.00
$5,022.50 $5,022.50 $5,022.50 $5,022.50

Surplus / (Deficit)

$127.50

$127.50

$127.50

$127.50

$127.50

$127.50

Total Savings/(Debt)

$127.50

$127.50

$127.50

$127.50

$127.50

$127.50

Will they have a Surplus


at the end of the 12 months?
a. Yes
b. No

Our Advice:
Stop: Bowling ($85), Cable ($95), Newspaper ($25), Child Lessons ($155), Miscellaneous

Stop: Bowling ($85), Cable ($95), Newspaper ($25), Child Lessons ($155), Miscellaneous

Nov
$0
$5,150

Dec
$0
$5,150

Jan
$0
$5,150

Feb
$0
$5,150

$650.00
$650.00
$650.00
$650.00
$200.00
$200.00
$200.00
$200.00
$1,149.00 $1,149.00 $1,149.00 $1,149.00
$582.82
$582.82
$582.82
$582.82
$275.00
$275.00
$275.00
$275.00
$170.00
$170.00
$170.00
$170.00
$390.00
$390.00
$390.00
$390.00
$50.00
$50.00
$50.00
$50.00
$100.00
$100.00
$100.00
$100.00
$85.00
$85.00
$85.00
$85.00
$450.00
$450.00
$450.00
$450.00
$65.07
$65.07
$65.07
$65.07
$158.00
$158.00
$158.00
$158.00
$34.67
$34.67
$34.67
$34.67
$274.37
$274.37
$274.37
$274.37
$280.85
$280.85
$280.85
$280.85
$92.72
$92.72
$92.72
$92.72
$15.00
$15.00
$15.00
$15.00
$5,022.50 $5,022.50 $5,022.50 $5,022.50

Mar
$0
$5,150

Apr
$0
$5,150

Total
$0
$61,800

$650.00
$650.00 $7,800.00
$200.00
$200.00 $2,400.00
$1,149.00 $1,149.00 $13,788.00
$582.82
$582.82 $6,993.84
$275.00
$275.00 $3,300.00
$170.00
$170.00 $2,040.00
$390.00
$390.00 $4,680.00
$50.00
$50.00
$600.00
$100.00
$100.00 $1,200.00
$85.00
$85.00 $1,020.00
$450.00
$450.00 $5,400.00
$65.07
$65.07
$780.84
$158.00
$158.00 $1,896.00
$34.67
$34.67
$416.04
$274.37
$274.37 $3,292.44
$280.85
$280.85 $3,370.20
$92.72
$92.72 $1,112.64
$15.00
$15.00
$180.00
$5,022.50 $5,022.50 $60,270.00

$127.50

$127.50

$127.50

$127.50

$127.50

$127.50

$1,530.00

$127.50

$127.50

$127.50

$127.50

$127.50

$127.50

$1,530.00

ssons ($155), Miscellaneous ($30)

ssons ($155), Miscellaneous ($30)

Listing of all debts


Debt
Credit Card #3
Credit Card #1
Credit Card #2
Gas Credit Card
Credit Union Loan
Car Loan
Mortgage
Mortgage 2
Medical Bill

Rate
11.0%
12.0%
15.0%
12.0%
6.0%
7.0%
6.0%
9.5%
15.0%

Total Debt

Principal
$12,619.08
$6,000.00
$1,000.00
$1,969.78
$19,225.00
$5,200.00
$119,412.57
$49,612.40
$1,876.97

# of Pmts
60
48
36
24
84
28
147
142
36

$ / mth
$274.37
$158.00
$34.67
$92.72
$280.85
$200.00
$1,149.00
$582.82
$65.07

Real Debt
$16,462.20
$7,584.00
$1,248.12
$2,225.28
$23,591.40
$5,600.00
$168,903.00
$82,760.44
$2,342.52

$216,915.80

605

$2,837.50

$310,716.96

Monthly Income Needed???


Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

$8,107.14
$97,285.71

1.
2.
3.
4.

Develop a budget
Cut up the credit cards
Find an extra $100 / month
Put together a "roll over plan"

We found an extra 100

Listing of all debts

Debt
Credit Card #3
Credit Card #1
Credit Card #2
Gas Credit Card
Credit Union Loan
Car Loan
Mortgage
Mortgage 2
Medical Bill

Rate
11.0%
12.0%
15.0%
12.0%
6.0%
7.0%
6.0%
9.5%
15.0%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$12,619.08
$6,000.00
$1,000.00
$1,969.78
$19,225.00
$5,200.00
$119,412.57
$49,612.40
$1,876.97
$216,915.80

# of Pmts
60
48
36
24
84
28
147
142
36

$ / mth
$274.37
$158.00
$34.67
$92.72
$280.85
$200.00
$1,149.00
$582.82
$65.07

Real Debt
$16,462.20
$7,584.00
$1,248.12
$2,225.28
$23,591.40
$5,600.00
$168,903.00
$82,760.44
$2,342.52

$2,837.50

$310,716.96

$8,107.14
$97,285.71

First Debt = 34.67 + 127.50 = 162.17

Month
1
2
3
4
5
6
7
8
9
10
11
12

Payment
$162.17
$162.17
$162.17
$162.17
$162.17
$162.17
$162.17

15.0%
Interest
$12.50
$10.63
$8.73
$6.82
$4.88
$2.91
$0.92

Principal
$149.67
$151.54
$153.44
$155.35
$157.29
$159.26
$161.25

$1,000.00
Remaining Balance
$850.33
$698.79
$545.35
$390.00
$232.71
$73.44
($87.81)

Listing of all debts

Debt
Credit Card #3
Credit Card #1

Rate
11.0%
12.0%

Principal
$12,619.08
$6,000.00

# of Pmts
60
48

$ / mth
$274.37
$158.00

Real Debt
$16,462.20
$7,584.00

Gas Credit Card


Credit Union Loan
Car Loan
Mortgage
Mortgage 2
Medical Bill

12.0%
6.0%
7.0%
6.0%
9.5%
15.0%

$1,969.78
$19,225.00
$5,200.00
$119,412.57
$49,612.40
$1,876.97

24
84
28
147
142
36

$92.72
$280.85
$200.00
$1,149.00
$582.82
$65.07

$2,225.28
$23,591.40
$5,600.00
$168,903.00
$82,760.44
$2,342.52

$215,915.80

569

$2,802.83

$309,468.84

Total Debt
Monthly Income Needed???
Annual Income Needed???

How many years to get completely out of debt?


How much in the back when you complete 30 years of payments?

$8,008.09
$96,097.03

Second Debt, after 7 mths payment goes to $70.61 + $124.63 = $195.24

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

Payment
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$227.24
$227.24
$227.24
$227.24
$227.24
$227.24
$227.24
$227.24

15.0%
Interest
$23.46
$22.94
$22.42
$21.88
$21.34
$20.80
$20.24
$19.68
$17.09
$14.46
$11.80
$9.11
$227.24
$2.84
$0.04

Principal
$41.61
$42.13
$42.65
$43.19
$43.73
$44.27
$44.83
$207.56
$210.15
$212.78
$215.44
$218.13
$227.24
$224.40
$227.20

$1,876.97
Remaining Balance
$1,835.36
$1,793.23
$1,750.58
$1,707.39
$1,663.66
$1,619.39
$1,574.56
$1,367.00
$1,156.85
$944.07
$728.63
$510.50
$227.24
$2.84
($224.36)

= $195.24

$227.24

Listing of all debts

Debt
Credit Card #3
Credit Card #1

Rate
11.0%
12.0%

Principal
$12,619.08
$6,000.00

# of Pmts
60
48

$ / mth
$274.37
$158.00

Real Debt
$16,462.20
$7,584.00

Gas Credit Card


Credit Union Loan
Car Loan
Mortgage
Mortgage 2

12.0%
6.0%
7.0%
6.0%
9.5%

$1,969.78
$19,225.00
$5,200.00
$119,412.57
$49,612.40

24
84
28
147
142

$92.72
$280.85
$200.00
$1,149.00
$582.82

$2,225.28
$23,591.40
$5,600.00
$168,903.00
$82,760.44

$214,038.83

533

$2,737.76

$307,126.32

Total Debt
Monthly Income Needed???
Annual Income Needed???

$7,822.17
$93,866.06

3rd Debt, after 13 mths payment goes to $126.53 + $195.24 = $321.77

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

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
$319.96
$319.96
$319.96

12.0%
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
$4.82
$1.67

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
$312.02
$315.14
$318.29

$1,969.78
Remaining Balance
$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
$482.33
$167.20
($151.09)

Listing of all debts

Debt
Credit Card #3
Credit Card #1

Rate
11.0%
12.0%

Principal
$12,619.08
$6,000.00

# of Pmts
60
48

$ / mth
$274.37
$158.00

Real Debt
$16,462.20
$7,584.00

Credit Union Loan


Car Loan
Mortgage
Mortgage 2

6.0%
7.0%
6.0%
9.5%

$19,225.00
$5,200.00
$119,412.57
$49,612.40

84
28
147
142

$280.85
$200.00
$1,149.00
$582.82

$23,591.40
$5,600.00
$168,903.00
$82,760.44

$212,069.05

509

$2,645.04

$304,901.04

Total Debt
Monthly Income Needed???
Annual Income Needed???

$7,557.26
$90,687.09

4th Debt, after 21 mths payment goes to $139.49 + $321.77 = $461.26

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

Payment
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$519.96
$519.96
$519.96
$519.96

7.0%
Interest
$30.33
$29.34
$28.35
$27.35
$26.34
$25.33
$24.31
$23.28
$22.25
$21.22
$20.17
$19.12
$18.07
$17.01
$15.94
$14.87
$13.79
$12.70
$11.61
$8.64
$5.66
$2.66

Principal
$169.67
$170.66
$171.65
$172.65
$173.66
$174.67
$175.69
$176.72
$177.75
$178.78
$179.83
$180.88
$181.93
$182.99
$184.06
$185.13
$186.21
$187.30
$508.35
$511.32
$514.30
$517.30

$5,200.00
Remaining Balance
$5,030.33
$4,859.68
$4,688.03
$4,515.37
$4,341.71
$4,167.04
$3,991.35
$3,814.63
$3,636.88
$3,458.10
$3,278.27
$3,097.39
$2,915.46
$2,732.47
$2,548.41
$2,363.27
$2,177.06
$1,989.76
$1,481.40
$970.09
$455.78
($61.52)

Listing of all debts

Debt
Credit Card #3
Credit Card #1

Rate
11.0%
12.0%

Principal
$12,619.08
$6,000.00

# of Pmts
60
48

$ / mth
$274.37
$158.00

Real Debt
$16,462.20
$7,584.00

Credit Union Loan

6.0%

$19,225.00

84

$280.85

$23,591.40

Mortgage
Mortgage 2

6.0%
9.5%

$119,412.57
$49,612.40

147
142

$1,149.00
$582.82

$168,903.00
$82,760.44

$206,869.05

481

$2,445.04

$299,301.04

Total Debt
Monthly Income Needed???
Annual Income Needed???

$6,985.83
$83,829.94

After 28 mths payment goes to $154.10 + $461.26 = $615.36

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

Payment
$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
$677.96
$677.96
$677.96
$677.96
$677.96
$677.96

12.0%
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
$29.60
$23.11
$16.57
$9.95
$3.27

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
$641.94
$648.36
$654.85
$661.39
$668.01
$674.69

$6,000.00
Remaining Balance
$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
$2,959.84
$2,311.48
$1,656.64
$995.24
$327.23
($347.45)

Listing of all debts

Debt
Credit Card #3

Rate
11.0%

Principal
$12,619.08

# of Pmts
60

$ / mth
$274.37

Real Debt
$16,462.20

Credit Union Loan

6.0%

$19,225.00

84

$280.85

$23,591.40

Mortgage
Mortgage 2

6.0%
9.5%

$119,412.57
$49,612.40

147
142

$1,149.00
$582.82

$168,903.00
$82,760.44

$200,869.05

433

$2,287.04

$291,717.04

Total Debt
Monthly Income Needed???
Annual Income Needed???

$6,534.40
$78,412.80

After 40 mths payment goes to $467.06 + $615.36 = $1,082.42

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

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
$952.33
$952.33
$952.33
$952.33
$952.33
$952.33
$952.33
$952.33
$952.33

11.0%
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
$61.39
$53.22
$44.98
$36.66
$28.27
$19.79
$11.25
$2.62

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
$882.85
$890.94
$899.11
$907.35
$915.67
$924.06
$932.54
$941.08
$949.71

$12,619.08
Remaining Balance
$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
$6,696.59
$5,805.64
$4,906.53
$3,999.18
$3,083.50
$2,159.44
$1,226.90
$285.82
($663.89)

Listing of all debts

Debt

Rate

Principal

# of Pmts

$ / mth

Real Debt

Credit Union Loan

6.0%

$19,225.00

84

$280.85

$23,591.40

Mortgage
Mortgage 2

6.0%
9.5%

$119,412.57
$49,612.40

147
142

$1,149.00
$582.82

$168,903.00
$82,760.44

$188,249.97

373

$2,012.67

$275,254.84

Total Debt
Monthly Income Needed???
Annual Income Needed???

$5,750.49
$69,005.83

After 48 mths payment goes to $1,097.75 + $1,082.42 = $2,180.17

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

Payment
$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
$1,233.18
$1,233.18

6.0%
Interest Principal
$96.13
$184.73
$95.20
$185.65
$94.27
$186.58
$93.34
$187.51
$92.40
$188.45
$91.46
$189.39
$90.51
$190.34
$89.56
$191.29
$88.61
$192.24
$87.64
$193.21
$86.68
$194.17
$85.71
$195.14
$84.73
$196.12
$83.75
$197.10
$82.77
$198.08
$81.78
$199.07
$80.78
$200.07
$79.78
$201.07
$78.77
$202.08
$77.76
$203.09
$76.75
$204.10
$75.73
$205.12
$74.70
$206.15
$73.67
$207.18
$72.64
$208.21
$71.59
$209.26
$70.55
$210.30
$69.50
$211.35
$68.44
$212.41
$67.38
$213.47
$66.31
$214.54
$65.24
$215.61
$64.16
$216.69
$63.08
$217.77
$61.99
$218.86
$60.89
$219.96
$59.79
$221.06
$58.69 $1,174.49
$52.82 $1,180.36

$19,225.00
Remaining Balance
$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
$12,397.46
$12,178.60
$11,958.64
$11,737.58
$10,563.09
$9,382.72

40
41
42
43
44
45
46
47

$1,233.18
$1,233.18
$1,233.18
$1,233.18
$1,233.18
$1,233.18
$1,233.18
$1,233.18

$46.91
$40.98
$35.02
$29.03
$23.01
$16.96
$10.88
$4.77

$1,186.27
$1,192.20
$1,198.16
$1,204.15
$1,210.17
$1,216.22
$1,222.30
$1,228.41

$8,196.46
$7,004.26
$5,806.10
$4,601.95
$3,391.78
$2,175.56
$953.26
($275.15)

Listing of all debts

Debt

Rate

Principal

# of Pmts

$ / mth

Real Debt

Mortgage
Mortgage 2

6.0%
9.5%

$119,412.57
$49,612.40

147
142

$1,149.00
$582.82

$168,903.00
$82,760.44

$169,024.97

289

$1,731.82

$251,663.44

Total Debt
Monthly Income Needed???
Annual Income Needed???

$4,948.06
$59,376.69

After 48 mths payment goes to $1,097.75 + $1,082.42 = $2,180.17

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

Payment
$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

9.5%
Interest
$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

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

$49,612.40
Remaining Balance
$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
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

$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00
$1,816.00

$324.33
$322.29
$320.22
$318.14
$316.05
$313.94
$311.81
$309.66
$307.50
$295.56
$283.52
$271.39
$259.16
$246.84
$234.41
$221.89
$209.27
$196.55
$183.73
$170.81
$157.79
$144.66
$131.43
$118.09
$104.65
$91.10
$77.44
$63.68
$49.81
$35.83
$21.73
$7.53

$258.49
$260.53
$262.60
$264.68
$266.77
$268.88
$271.01
$273.16
$1,508.50
$1,520.44
$1,532.48
$1,544.61
$1,556.84
$1,569.16
$1,581.59
$1,594.11
$1,606.73
$1,619.45
$1,632.27
$1,645.19
$1,658.21
$1,671.34
$1,684.57
$1,697.91
$1,711.35
$1,724.90
$1,738.56
$1,752.32
$1,766.19
$1,780.17
$1,794.27
$1,808.47

$40,709.78
$40,449.25
$40,186.65
$39,921.98
$39,655.21
$39,386.32
$39,115.31
$38,842.16
$37,333.66
$35,813.21
$34,280.74
$32,736.12
$31,179.29
$29,610.12
$28,028.53
$26,434.43
$24,827.70
$23,208.25
$21,575.98
$19,930.79
$18,272.58
$16,601.24
$14,916.66
$13,218.75
$11,507.40
$9,782.50
$8,043.95
$6,291.63
$4,525.44
$2,745.26
$951.00
($857.47)

Listing of all debts

Debt

Rate

Principal

# of Pmts

$ / mth

Real Debt

Mortgage

6.0%

$119,412.57

147

$1,149.00

$168,903.00

$119,412.57

147

$1,149.00

$168,903.00

Total Debt
Monthly Income Needed???
Annual Income Needed???

$3,282.86
$39,394.29

After 48 mths payment goes to $1,097.75 + $1,082.42 = $2,180.17

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

Payment
$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

6.0%
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

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

$119,412.57
Remaining Balance
$118,860.63
$118,305.94
$117,748.47
$117,188.21
$116,625.15
$116,059.27
$115,490.57
$114,919.02
$114,344.62
$113,767.34
$113,187.18
$112,604.11
$112,018.14
$111,429.23
$110,837.37
$110,242.56
$109,644.77
$109,044.00
$108,440.22
$107,833.42
$107,223.58
$106,610.70
$105,994.76
$105,375.73
$104,753.61
$104,128.38
$103,500.02
$102,868.52
$102,233.86
$101,596.03
$100,955.01
$100,310.78
$99,663.34
$99,012.66
$98,358.72
$97,701.51
$97,041.02
$96,377.22
$95,710.11

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

$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
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00

$478.55
$475.20
$471.83
$468.44
$465.04
$461.62
$458.18
$454.73
$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
$349.52
$336.44
$323.30
$310.09
$296.82
$283.48
$270.07
$256.60
$243.05
$229.44

$670.45
$673.80
$677.17
$680.56
$683.96
$687.38
$690.82
$694.27
$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
$2,602.47
$2,615.48
$2,628.56
$2,641.70
$2,654.91
$2,668.18
$2,681.52
$2,694.93
$2,708.40
$2,721.95
$2,735.56

$95,039.66
$94,365.86
$93,688.69
$93,008.13
$92,324.17
$91,636.79
$90,945.98
$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
$69,904.31
$67,288.83
$64,660.28
$62,018.58
$59,363.67
$56,695.49
$54,013.97
$51,319.04
$48,610.63
$45,888.69
$43,153.13

83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98

$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00
$2,965.00

$215.77
$202.02
$188.20
$174.32
$160.37
$146.34
$132.25
$118.09
$103.85
$89.55
$75.17
$60.72
$46.20
$31.60
$16.94
$2.20

$2,749.23
$2,762.98
$2,776.80
$2,790.68
$2,804.63
$2,818.66
$2,832.75
$2,846.91
$2,861.15
$2,875.45
$2,889.83
$2,904.28
$2,918.80
$2,933.40
$2,948.06
$2,962.80

$40,403.90
$37,640.92
$34,864.12
$32,073.44
$29,268.81
$26,450.15
$23,617.40
$20,770.49
$17,909.34
$15,033.89
$12,144.06
$9,239.78
$6,320.98
$3,387.58
$439.52
($2,523.28)

No Debt left. Money goes into an investment at 10.0%

Debt
Personal Savings
Work Conrtibutions

Rate
10.0%
10.0%

Principal

# of Pmts
262
360

Will Abel
Miranda Gray
Hamuraby Mora
Brailee Ogden
1. See "Current Budge"t Sheet
2. See "Fixed Budget" Sheet
3. Will be out of debt in 98 months
4. They will have $3,112,856.39 in their Retirement Account
$3,112,856.39

$ / mth
$2,965.00
$150.00

Total Savings

Totals

After 142 mths payment of $2,180.17 goes into an investment until month 360.

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

Payment
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00

10.0%
Interest
$0.00
$1.25
$2.51
$3.78
$5.06
$6.36
$7.66
$8.97
$10.30
$11.63
$12.98
$14.34
$15.71
$17.09
$18.48
$19.88
$21.30
$22.73
$24.17
$25.62
$27.08
$28.56
$30.05
$31.55
$33.06
$34.58
$36.12
$37.67
$39.24
$40.81
$42.40
$44.01
$45.62
$47.25
$48.90
$50.56
$52.23
$53.91
$55.61

Ttl Investment
$150.00
$151.25
$152.51
$153.78
$155.06
$156.36
$157.66
$158.97
$160.30
$161.63
$162.98
$164.34
$165.71
$167.09
$168.48
$169.88
$171.30
$172.73
$174.17
$175.62
$177.08
$178.56
$180.05
$181.55
$183.06
$184.58
$186.12
$187.67
$189.24
$190.81
$192.40
$194.01
$195.62
$197.25
$198.90
$200.56
$202.23
$203.91
$205.61

$0.00
Ending Balance
$150.00
$301.25
$453.76
$607.54
$762.60
$918.96
$1,076.62
$1,235.59
$1,395.89
$1,557.52
$1,720.50
$1,884.84
$2,050.54
$2,217.63
$2,386.11
$2,555.99
$2,727.29
$2,900.02
$3,074.19
$3,249.81
$3,426.89
$3,605.45
$3,785.49
$3,967.04
$4,150.10
$4,334.68
$4,520.80
$4,708.48
$4,897.71
$5,088.53
$5,280.93
$5,474.94
$5,670.56
$5,867.82
$6,066.72
$6,267.27
$6,469.50
$6,673.41
$6,879.02

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

$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00

$57.33
$59.05
$60.80
$62.55
$64.32
$66.11
$67.91
$69.73
$71.56
$73.40
$75.26
$77.14
$79.03
$80.94
$82.87
$84.81
$86.77
$88.74
$90.73
$92.73
$94.76
$96.80
$98.85
$100.93
$103.02
$105.13
$107.25
$109.40
$111.56
$113.74
$115.94
$118.15
$120.39
$122.64
$124.91
$127.20
$129.51
$131.84
$134.19
$136.56
$138.95
$141.35
$143.78

$207.33
$209.05
$210.80
$212.55
$214.32
$216.11
$217.91
$219.73
$221.56
$223.40
$225.26
$227.14
$229.03
$230.94
$232.87
$234.81
$236.77
$238.74
$240.73
$242.73
$244.76
$246.80
$248.85
$250.93
$253.02
$255.13
$257.25
$259.40
$261.56
$263.74
$265.94
$268.15
$270.39
$272.64
$274.91
$277.20
$279.51
$281.84
$284.19
$286.56
$288.95
$291.35
$293.78

$7,086.35
$7,295.40
$7,506.20
$7,718.75
$7,933.07
$8,149.18
$8,367.09
$8,586.82
$8,808.37
$9,031.78
$9,257.04
$9,484.18
$9,713.22
$9,944.16
$10,177.03
$10,411.84
$10,648.60
$10,887.34
$11,128.07
$11,370.80
$11,615.56
$11,862.36
$12,111.21
$12,362.14
$12,615.15
$12,870.28
$13,127.53
$13,386.93
$13,648.49
$13,912.22
$14,178.16
$14,446.31
$14,716.70
$14,989.34
$15,264.25
$15,541.45
$15,820.96
$16,102.80
$16,386.99
$16,673.55
$16,962.50
$17,253.85
$17,547.63

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

$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00

$146.23
$148.70
$151.19
$153.70
$156.23
$158.78
$161.35
$163.95
$166.56
$169.20
$171.86
$174.54
$177.25
$179.98
$182.73
$185.50
$188.29
$215.82
$243.58
$271.57
$299.79
$328.25
$356.94
$385.87
$415.05
$444.46
$474.13
$504.03
$534.19
$564.60
$595.27
$626.19
$657.36
$688.80
$720.50
$752.46
$784.69
$817.19
$849.95
$882.99
$916.31
$949.91
$983.78

$296.23
$298.70
$301.19
$303.70
$306.23
$308.78
$311.35
$313.95
$316.56
$319.20
$321.86
$324.54
$327.25
$329.98
$332.73
$335.50
$3,303.29
$3,330.82
$3,358.58
$3,386.57
$3,414.79
$3,443.25
$3,471.94
$3,500.87
$3,530.05
$3,559.46
$3,589.13
$3,619.03
$3,649.19
$3,679.60
$3,710.27
$3,741.19
$3,772.36
$3,803.80
$3,835.50
$3,867.46
$3,899.69
$3,932.19
$3,964.95
$3,997.99
$4,031.31
$4,064.91
$4,098.78

$17,843.86
$18,142.56
$18,443.75
$18,747.45
$19,053.68
$19,362.46
$19,673.81
$19,987.76
$20,304.32
$20,623.53
$20,945.39
$21,269.94
$21,597.18
$21,927.16
$22,259.89
$22,595.39
$25,898.68
$29,229.50
$32,588.08
$35,974.65
$39,389.44
$42,832.68
$46,304.62
$49,805.50
$53,335.54
$56,895.00
$60,484.13
$64,103.16
$67,752.36
$71,431.96
$75,142.23
$78,883.41
$82,655.77
$86,459.57
$90,295.07
$94,162.53
$98,062.21
$101,994.40
$105,959.35
$109,957.35
$113,988.66
$118,053.56
$122,152.34

126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168

$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00

$1,017.94
$1,052.38
$1,087.11
$1,122.12
$1,157.43
$1,193.04
$1,228.94
$1,265.14
$1,301.64
$1,338.44
$1,375.55
$1,412.98
$1,450.71
$1,488.76
$1,527.12
$1,565.81
$1,604.81
$1,644.14
$1,683.80
$1,723.79
$1,764.12
$1,804.78
$1,845.77
$1,887.11
$1,928.80
$1,970.83
$2,013.21
$2,055.95
$2,099.04
$2,142.49
$2,186.30
$2,230.48
$2,275.02
$2,319.94
$2,365.23
$2,410.90
$2,456.95
$2,503.38
$2,550.20
$2,597.41
$2,645.02
$2,693.02
$2,741.42

$4,132.94
$4,167.38
$4,202.11
$4,237.12
$4,272.43
$4,308.04
$4,343.94
$4,380.14
$4,416.64
$4,453.44
$4,490.55
$4,527.98
$4,565.71
$4,603.76
$4,642.12
$4,680.81
$4,719.81
$4,759.14
$4,798.80
$4,838.79
$4,879.12
$4,919.78
$4,960.77
$5,002.11
$5,043.80
$5,085.83
$5,128.21
$5,170.95
$5,214.04
$5,257.49
$5,301.30
$5,345.48
$5,390.02
$5,434.94
$5,480.23
$5,525.90
$5,571.95
$5,618.38
$5,665.20
$5,712.41
$5,760.02
$5,808.02
$5,856.42

$126,285.28
$130,452.66
$134,654.76
$138,891.89
$143,164.32
$147,472.35
$151,816.29
$156,196.43
$160,613.06
$165,066.51
$169,557.06
$174,085.03
$178,650.74
$183,254.50
$187,896.62
$192,577.43
$197,297.24
$202,056.38
$206,855.18
$211,693.98
$216,573.09
$221,492.87
$226,453.64
$231,455.76
$236,499.56
$241,585.38
$246,713.60
$251,884.54
$257,098.58
$262,356.07
$267,657.37
$273,002.85
$278,392.87
$283,827.81
$289,308.04
$294,833.94
$300,405.89
$306,024.28
$311,689.48
$317,401.89
$323,161.91
$328,969.92
$334,826.34

169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211

$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00

$2,790.22
$2,839.43
$2,889.05
$2,939.08
$2,989.53
$3,040.41
$3,091.70
$3,143.42
$3,195.58
$3,248.16
$3,301.19
$3,354.66
$3,408.57
$3,462.94
$3,517.75
$3,573.03
$3,628.76
$3,684.96
$3,741.62
$3,798.76
$3,856.38
$3,914.47
$3,973.05
$4,032.12
$4,091.68
$4,151.73
$4,212.29
$4,273.35
$4,334.92
$4,397.00
$4,459.60
$4,522.72
$4,586.37
$4,650.55
$4,715.26
$4,780.51
$4,846.31
$4,912.65
$4,979.55
$5,047.01
$5,115.02
$5,183.61
$5,252.76

$5,905.22
$5,954.43
$6,004.05
$6,054.08
$6,104.53
$6,155.41
$6,206.70
$6,258.42
$6,310.58
$6,363.16
$6,416.19
$6,469.66
$6,523.57
$6,577.94
$6,632.75
$6,688.03
$6,743.76
$6,799.96
$6,856.62
$6,913.76
$6,971.38
$7,029.47
$7,088.05
$7,147.12
$7,206.68
$7,266.73
$7,327.29
$7,388.35
$7,449.92
$7,512.00
$7,574.60
$7,637.72
$7,701.37
$7,765.55
$7,830.26
$7,895.51
$7,961.31
$8,027.65
$8,094.55
$8,162.01
$8,230.02
$8,298.61
$8,367.76

$340,731.56
$346,685.99
$352,690.04
$358,744.12
$364,848.66
$371,004.06
$377,210.76
$383,469.18
$389,779.76
$396,142.93
$402,559.12
$409,028.78
$415,552.35
$422,130.29
$428,763.04
$435,451.06
$442,194.82
$448,994.78
$455,851.40
$462,765.16
$469,736.54
$476,766.01
$483,854.06
$491,001.18
$498,207.86
$505,474.59
$512,801.88
$520,190.22
$527,640.14
$535,152.14
$542,726.75
$550,364.47
$558,065.84
$565,831.39
$573,661.65
$581,557.16
$589,518.47
$597,546.13
$605,640.68
$613,802.68
$622,032.71
$630,331.31
$638,699.07

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$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00

$5,322.49
$5,392.80
$5,463.70
$5,535.19
$5,607.28
$5,679.96
$5,753.25
$5,827.16
$5,901.67
$5,976.81
$6,052.58
$6,128.97
$6,206.01
$6,283.68
$6,362.01
$6,440.98
$6,520.61
$6,600.91
$6,681.88
$6,763.52
$6,845.84
$6,928.84
$7,012.54
$7,096.94
$7,182.04
$7,267.85
$7,354.37
$7,441.62
$7,529.59
$7,618.29
$7,707.74
$7,797.93
$7,888.87
$7,980.57
$8,073.03
$8,166.26
$8,260.27
$8,355.07
$8,450.65
$8,547.03
$8,644.22
$8,742.21
$8,841.02

$8,437.49
$8,507.80
$8,578.70
$8,650.19
$8,722.28
$8,794.96
$8,868.25
$8,942.16
$9,016.67
$9,091.81
$9,167.58
$9,243.97
$9,321.01
$9,398.68
$9,477.01
$9,555.98
$9,635.61
$9,715.91
$9,796.88
$9,878.52
$9,960.84
$10,043.84
$10,127.54
$10,211.94
$10,297.04
$10,382.85
$10,469.37
$10,556.62
$10,644.59
$10,733.29
$10,822.74
$10,912.93
$11,003.87
$11,095.57
$11,188.03
$11,281.26
$11,375.27
$11,470.07
$11,565.65
$11,662.03
$11,759.22
$11,857.21
$11,956.02

$647,136.56
$655,644.37
$664,223.07
$672,873.26
$681,595.54
$690,390.50
$699,258.76
$708,200.92
$717,217.59
$726,309.40
$735,476.98
$744,720.96
$754,041.96
$763,440.65
$772,917.65
$782,473.63
$792,109.25
$801,825.16
$811,622.03
$821,500.55
$831,461.39
$841,505.23
$851,632.78
$861,844.72
$872,141.76
$882,524.60
$892,993.98
$903,550.59
$914,195.18
$924,928.47
$935,751.21
$946,664.14
$957,668.00
$968,763.57
$979,951.60
$991,232.86
$1,002,608.14
$1,014,078.21
$1,025,643.86
$1,037,305.89
$1,049,065.11
$1,060,922.32
$1,072,878.33

255
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297

$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00

$8,940.65
$9,041.12
$9,142.42
$9,244.56
$9,347.56
$9,451.41
$9,556.13
$9,661.73
$9,768.20
$9,875.56
$9,983.81
$10,092.97
$10,203.04
$10,314.02
$10,425.93
$10,538.77
$10,652.55
$10,767.28
$10,882.97
$10,999.62
$11,117.24
$11,235.84
$11,355.43
$11,476.02
$11,597.61
$11,720.21
$11,843.84
$11,968.50
$12,094.19
$12,220.94
$12,348.74
$12,477.60
$12,607.54
$12,738.56
$12,870.67
$13,003.89
$13,138.21
$13,273.66
$13,410.23
$13,547.94
$13,686.80
$13,826.81
$13,967.99

$12,055.65
$12,156.12
$12,257.42
$12,359.56
$12,462.56
$12,566.41
$12,671.13
$12,776.73
$12,883.20
$12,990.56
$13,098.81
$13,207.97
$13,318.04
$13,429.02
$13,540.93
$13,653.77
$13,767.55
$13,882.28
$13,997.97
$14,114.62
$14,232.24
$14,350.84
$14,470.43
$14,591.02
$14,712.61
$14,835.21
$14,958.84
$15,083.50
$15,209.19
$15,335.94
$15,463.74
$15,592.60
$15,722.54
$15,853.56
$15,985.67
$16,118.89
$16,253.21
$16,388.66
$16,525.23
$16,662.94
$16,801.80
$16,941.81
$17,082.99

$1,084,933.99
$1,097,090.10
$1,109,347.52
$1,121,707.08
$1,134,169.64
$1,146,736.06
$1,159,407.19
$1,172,183.92
$1,185,067.12
$1,198,057.68
$1,211,156.49
$1,224,364.46
$1,237,682.50
$1,251,111.52
$1,264,652.45
$1,278,306.22
$1,292,073.77
$1,305,956.05
$1,319,954.02
$1,334,068.64
$1,348,300.87
$1,362,651.71
$1,377,122.15
$1,391,713.16
$1,406,425.77
$1,421,260.99
$1,436,219.83
$1,451,303.33
$1,466,512.52
$1,481,848.46
$1,497,312.20
$1,512,904.80
$1,528,627.34
$1,544,480.90
$1,560,466.57
$1,576,585.46
$1,592,838.67
$1,609,227.33
$1,625,752.56
$1,642,415.50
$1,659,217.29
$1,676,159.10
$1,693,242.09

298
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$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00

$14,110.35
$14,253.90
$14,398.64
$14,544.58
$14,691.75
$14,840.14
$14,989.76
$15,140.64
$15,292.77
$15,446.16
$15,600.84
$15,756.81
$15,914.07
$16,072.65
$16,232.54
$16,393.77
$16,556.35
$16,720.27
$16,885.57
$17,052.24
$17,220.30
$17,389.76
$17,560.63
$17,732.93
$17,906.66
$18,081.84
$18,258.48
$18,436.60
$18,616.19
$18,797.29
$18,979.89
$19,164.01
$19,349.67
$19,536.88
$19,725.64
$19,915.98
$20,107.91
$20,301.43
$20,496.57
$20,693.33
$20,891.73
$21,091.79
$21,293.51

$17,225.35
$17,368.90
$17,513.64
$17,659.58
$17,806.75
$17,955.14
$18,104.76
$18,255.64
$18,407.77
$18,561.16
$18,715.84
$18,871.81
$19,029.07
$19,187.65
$19,347.54
$19,508.77
$19,671.35
$19,835.27
$20,000.57
$20,167.24
$20,335.30
$20,504.76
$20,675.63
$20,847.93
$21,021.66
$21,196.84
$21,373.48
$21,551.60
$21,731.19
$21,912.29
$22,094.89
$22,279.01
$22,464.67
$22,651.88
$22,840.64
$23,030.98
$23,222.91
$23,416.43
$23,611.57
$23,808.33
$24,006.73
$24,206.79
$24,408.51

$1,710,467.45
$1,727,836.34
$1,745,349.98
$1,763,009.56
$1,780,816.31
$1,798,771.44
$1,816,876.20
$1,835,131.84
$1,853,539.61
$1,872,100.77
$1,890,816.61
$1,909,688.41
$1,928,717.48
$1,947,905.13
$1,967,252.67
$1,986,761.44
$2,006,432.79
$2,026,268.06
$2,046,268.63
$2,066,435.87
$2,086,771.17
$2,107,275.93
$2,127,951.56
$2,148,799.49
$2,169,821.15
$2,191,017.99
$2,212,391.48
$2,233,943.07
$2,255,674.27
$2,277,586.55
$2,299,681.44
$2,321,960.45
$2,344,425.12
$2,367,077.00
$2,389,917.64
$2,412,948.62
$2,436,171.53
$2,459,587.95
$2,483,199.52
$2,507,007.85
$2,531,014.58
$2,555,221.37
$2,579,629.88

341
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360

$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00
$3,115.00

$21,496.92
$21,702.01
$21,908.82
$22,117.36
$22,327.62
$22,539.65
$22,753.44
$22,969.01
$23,186.37
$23,405.55
$23,626.56
$23,849.40
$24,074.10
$24,300.68
$24,529.14
$24,759.51
$24,991.80
$25,226.02
$25,462.20
$25,700.34

$24,611.92
$24,817.01
$25,023.82
$25,232.36
$25,442.62
$25,654.65
$25,868.44
$26,084.01
$26,301.37
$26,520.55
$26,741.56
$26,964.40
$27,189.10
$27,415.68
$27,644.14
$27,874.51
$28,106.80
$28,341.02
$28,577.20
$28,815.34

$2,604,241.80
$2,629,058.81
$2,654,082.64
$2,679,314.99
$2,704,757.62
$2,730,412.26
$2,756,280.70
$2,782,364.70
$2,808,666.08
$2,835,186.63
$2,861,928.18
$2,888,892.58
$2,916,081.69
$2,943,497.37
$2,971,141.51
$2,999,016.03
$3,027,122.83
$3,055,463.85
$3,084,041.05
$3,112,856.39

ent until month 360.