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Note:
I want your feedback! If you like the show, don't like it, are offended, want to ask a question, want to buy the 'Sassy Southerner's Budgeting System... send me and email.

 

How to download a show? right click on the link (in blue below) for the show you want to download and select 'save target as', save it to your desktop, listen and enjoy.
 

4/2/07- New EP01 - Give yourself and instant raise!
Lets start at the beginning... What is a barebones budget? What is the minimum cost of living? I am going to tell you how you can instantly give yourself a raise. OOOOOOOOOOO! A teaser, I am not above it.  Visit the notes page to get the budget info I talk about on the show.
Right click here and select 'Save as' to download the excel file.
You can edit it yourself and adjust it for your personal budget.
TBL - EP01new.mp3 Download

AVERAGE BUDGET FIGURES
HOUSING    
RENT/MORTGAGE 700.00 LOW INCOME RENT AVERAGE
     
VEHICLE    
CAR PAYMENT 472.00 25K LOAN @ 5% $25,000
CAR INSURANCE 130.00 AVERAGE RATE FOR EARLY 20'S
GAS 125.67 1 TANK PER WEEK @ $29
     
ESSENTIALS    
GROCERIES 400.00 1 PERSON +$200 FOR ADDITIONAL PER.
MED & DENT INS 160.00 MAY GET LOWER THROUGH EMP.
     
UTILITIES    
GAS & ELECTRIC 155.00 AVG AMNT MAY NOT APPLY
WATER 50.00 AVG AMNT MAY NOT APPLY
TELEPHONE 35.00 AVG AMNT MAY NOT APPLY
     
SAVINGS    
EMERGENCY FUND 250.00 $50 CAR REP, $100 EMERG, 50 MISC, 50 CLOTHING
TOTAL BAREBONES 2,227.67  
ANNUAL INC NEEDED 35,642.67 25% TAXES
HOURLY RATE NEEDED 17.14 ON 40 HR WORK WEEK
   
COMMON ADD-ONS    
CABLE 55.00 MINIMUM COST IN MOST CASES
CELL PHONE 60.00 AVG AMOUNT
INTERNET 30.00 AVG AMOUNT
TOTAL ADD-ONS 145.00  
TOTAL WITH ADD-ONS 2,372.67  
ANNUAL INC NEEDED 37,962.67 25% TAXES
HOURLY RATE NEEDED 18.25 ON 40 HR WORK WEEK
     
AVG INDIV INC 25,035.00  
HOURLY RATE 12.04 ON 40 HR WORK WEEK

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