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Financial Budget Presentation Template

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Financial Budget

Transcript: Medical and Toiletries 45 Kingsbridge Garden Circle #320 Condo fee: $234,900 My mortgage with TD Bank: $1048.82/month (3.44% 3 year closed) Taxes: $1,766.78/year ($147.23/month) 10% down payment of $23,490 Amortization period: 25 years State Farm insurance: $200/month Yearly Salary: $180,850 School Debt: $40,000 Credit Card Debt: $2,500 AFTER TAXES: Net take-home: $114,168 Monthly Salary: $9,514 I put 20% of my monthly earnings into my Royal Bank of Canada savings account. I get an interest rate of 1.050% on every dollar. I deposit $1902.80/month, that means I gain 1.050% of that ($19.98) the first month. So by the end of the first month, I'd have $1922.78. There is no minimum balance or monthly fee. I am saving money for my childrens' tuition and a house for my future family. I chose to put 20% of my monthly budget into savings because it's important to be secure for the future. I also gain interest by having my money in RBC monthly. Youssef Labib I have $582.38 of extra income for each month. I plan to put $300/month into a tax free savings account with TD Bank. This is a very reasonable investment because this account can hold up to $5,500/year and I'd be putting in $3,600/year. I also don't pay taxes on the investment income or growth earned in my TFSA. There are also tax-free withdrawals with this account. If I save for 20 years, I would have $143,536. That means I would've saved $31,162 in taxes by saving my money through TFSA. The last remaining portion of my extra income ($282.38) will be in my pocket just to be on the safe side. If I ever need anything extra than I'll have enough money for it. My Car City and Province of Residence I estimated how much money I'd need to spend on medicine and toiletries and came up with a budget. For medicine, I would need Tynelol ($20), Advil ($15), band-aids ($8), muscle tape ($3), and other creams ($10). That's a total of $56. For toiletries I estimated costs for shampoo, conditioner, tooth paste/brush, razors, shaving cream, tissue/toilet paper, soap, deodorant and cologne to be about $80. The amount of money I would spend per month on medicine and toiletries is $136. The percentage out of my entire budget spent on medicine and toiletries is 1.4%. I don't spend a whole lot on toiletries because I tend to conserve my supplies and don't waste them. I made the decisions by looking at what I really needed over what I was want. That's how I made sure I wouldn't be spending too much. Groceries Financial Budget Pie Graph Savings MY FINANCIAL BUDGET ! :) In my condo, there are maintenance fees that cover a lot of my monthly bills and utilities. I pay $416/month for hydro, heating, water, exercise, gym, pool and every other utility included in the condo. Besides the maintenance fees, there are electronic fees. I purchased cable with Rogers for $74.98/month. This is the "Extra Plus" bundle which includes 230 channels, sports, lifestyle and specialty. I also purchased internet with Rogers for $94.99/month. I got the Hybrid Fibre 60 package, an average internet bundle. Lastly, my cell phone bill is $49/month with Fido. This plan includes unlimited text, 750 minutes of Canada-wide calling and 750mb of data. The total price I pay per month is $634.97. To find these prices and packages, I did some research on the companies' websites. I looked at what plans I would need and which were reasonably priced. I made the reasonable decisions I did by looking at what I needed before at what I wanted. My utilities and monthly bills are 6.67% of my total budget. Financial Budget My yearly salary is $180,850 before taxes. Using the tax take home pay calculator I calculated how much I make annually after taxes. I pay $63,342 of personal tax while I live in Ontario. My Canada Pension Plan is $2,426 and my employment insurance is $914. After taking those factors out of my yearly salary, my net take-home is $114,168. That means I make $9,514 a month. Charitable Donations Extra Income Mississauga, Ontario I've lived in Mississauga for most of my life and plan to stay there. I enjoy living there because it's a diverse and unique city with a lot of potential. I decided I didn't need to buy an expensive or bigger residence because I would be living on my own. I did my mortgage plan with TD bank using their 3.44% 3 year closed interest rate. I also put in a down payment of 10%, which was $34,490. My amortization period was 25 years. The taxes I'd pay are $147.23/month. For a 25 year mortgage for $211,411 at the rate of 3.44%, my monthly cost is $1048.83. The taxes that I would pay a month are $147.23 (1766.78/year). The insurance cost I got from Statefarm was $200/month. With all these costs added together, my condo would cost $1,396.05 a month. This is a reasonable price considering my financial situation. I thought it out and found a good mortgage to pay a month after trying it out various times. 25 years gives me plenty of time to get the mortgage paid off. My condo takes up 14.67% of my total

Financial Budget

Transcript: Pets: Cat and dog Pet Care: $200 Unplanned Vet Bill: $100 Cell Phone: iPhone 5 Phone Bill: $50 Thank You! Expenses By: Vatey Thach 2208 Yager Creek Dr., Charlotte, NC 28273 2 bedroom, 2 bathroom (Worthington): $810 total (I plan on having a roommate so I pay half the rent; $405) Renters Insurance: $30 Title: Clinical Nurse Specialist (CNS) Salery: $64,470/year; $3,705.95/month; $1,259.04/week; $31.48/hour Coffee Creek Apartments Career Credit Card Financial Budget Ownership Cost: $31,693 Insurance Per Month: $184.42 Gas Per Month: $100 2015 Honda Civic Sedan Other: $100 Household Budget Worksheet PART 1: MONTHLY INCOME Estimated Actual Person #1: List monthly income for all full & part time jobs $3,705.95 TOTALS $3,705.95 PART 2: MONTHLY EXPENSE Estimated Actual Mortgage / Rent $405.00 Home Equity Loan / Line Of Credit Home Insurance $30.00 Credit Card #1 $1,207.00 Car Payment $355.10 Car Insurance $184.42 Gasoline $100.00 Health Insurance $79.11 Mobile Phone Bill(s) $50.00 Groceries $150.00 Pet care $200.00 Unplanned: Vet Bill $100.00 Unplanned: Car repairs $200.00 Other $100.00 TOTALS $3,160.63 PART 3: RESULTS TOTAL MONTHLY INCOME $3,705.95 TOTAL MONTHLY EXPENSE $3,160.63 VARIANCE (This is how much over, or under, your budget you are.) $545.32 Miscellaneous Total Purchase Amount This is the balance due on your credit card: $1,000 Credit Card APR This is the annual interest rate on your credit card: 15% Monthly Payment This includes paying just the minimum monthly payment: $40 Number of Months to Pay Off Purchase Amount* This is how long it will take you to pay off the entire balance: 31 Total Finance Charge This is the total amount of money you will pay just in interest: $207 Total Cost This is the final amount you will pay for your purchase: $1,207 62 ECG bpm

CE Budget Template Presentation 091217

Transcript: Conceptual Estimate Template Template Overview Budget Summary Cost Details Detailed Quantities Historical Data For Pricing Project Comparisons Cost Breakdown By Cost Code Basis of Estimate Reports Template Overview Budget Export For Construction GENERAL SUM SHEET Header Cost Summary Specific Cost Tracking Budget Update Comparison BUDGET COST DETAIL TABS Tab Cost Summary Tab Coded Item Totals Tab Cost Details Similar Direct Building and Parking Tabs Carry Approximately 76% of the Total Budget Point of Interest How does it all come together? The Nuts and Bolts CREATING A BUDGET Itemized Tracking The Sums From Each Tab Are Then Totaled Back On The General Sum Sheet Cost Tracking Codes Are Defined On The General Sum Sheet. Then Input Throughout The Budget. 5 Categories Are Pre-Defined For Tracking Sources Of Budget Costs. All Direct Budget Costs Are Identified With A Price Source Code. Each Tab Sums Up The Coded Line Items Escalation is Tracked Similar to Cost and Source Tracking. Three Types of Escalation are Tracked: Proforma - Escalate Budget to Current or Specified Date. Subcontractor - Escalation Negotiated With a Specific Subcontractor (Normally Under Contract). Outsized - Escalation for a Specific Trade Above the Overall Proforma Rate. Cost Sources are Tracked Similar to Cost Tracking. Fixed Items with No Applicable Source Individual Building (WRAP & Podium) Takeoff's Multiple Building (SOG) Current Project Multiplier Current Project Qty. Totals Manual Adjustment To Reconcile With Directive Matrix Pricing 3 Primary Groups Sub-Groups Functions and Tables Used to Generate Budget. Previous Projects/Budgets Cost & Quantities. Used to Extrapolate Pricing and Budget Evaluation (Comparisons). Tools for Maintaining and Updating the Budget Template. Sub-Groups Sub-Groups 3 Primary Groups Sub-Groups Sub-Groups Sub-Groups Distributing a Total Dollar Value Across Cost Codes Select the most Comparable Project from the Dropdown List The Amount Column is Populated with the Selected Project Budget The % of Total $ Allocated to Each Line Item is Calculated Remove Specific Line Items from the Distribution as Needed The Percentages are Applied to the line Items Throughout the Budget Total Amounts to be Distributed are Entered at the Tops of the Detail Tabs The Amounts Entered are Distributed Throughout the Budget by the Allocated % . 3 Primary Groups Sub-Groups Sub-Groups Sub-Groups Extrapolating a Budget From Historical Unit Pricing Select the most Comparable Project from the Dropdown List Extrapolated Budgets are Useful For: The Source Project $/UOM Rates Calculate from the Values in the Database Keep the Default UOM's, or Select from Drop Down List $ per Quantities Early Acquisition Budgets or Fast Turn Around Comparable Project Pricing Reference while Generating a Budget Extrapolated Budget is Generated in Dedicated Brown Rows Throughout the Budget Review Budget Costs and Compare Against Other Projects/Budgets Budget Review BUDGET ANALYSIS & COMPARISONS History & Stats Summary By Cost Code OUTPUT / DELIVERABLES Wrap It Up Basis of Estimate Reports Comments Comments Values Units Values Takeoff Items Construction Budget Export Template Budget Cost Details Construction Budget Format

Financial Budget

Transcript: The process of calculating the costs of starting a small business List of all necessary purchases (expenses) including (for example, equipment, inventory) and services (for example, remodeling, insurance), working capital, sources and collateral The budget should explain how you decided on the amount of this and a description of the expected financial results WHAT IS A EVENTS MANAGEMENT BUDGET ? TODAY'S TASK Itemised summary of likely incomes and expenditures Helps to aid the planning Provides a forecast of revenues and expenditures It is typically created using a spreadsheet It provides a concrete, organized, and easily understood breakdown of how much money you have coming in and how much money going out Help's to prioritize your spending and manage your money It establishes the cost constraint for a project Need to fully complete task sheet PAB 4 Consider the business you have currently been planning to set up and choose an appropriate budget sheet to complete from Qube. Choices include: Dance Production Choreographer / Teacher Physio Therapist Today's Daily Target 21.11.13 Group Target Understand a range of varied components and variables that need to be considered when creating a financial budget. Individual Target Set your own individual SMART target for today's session. Task To produce a comprehensive budget sheet that has made a profit ensuring that it is accurate and based on careful research. Extended Task Research audition process (Link to the research is on Qube) for your audition piece of your choice song / dance. You have to complete the worksheet PAB 2b and submit a video recording of you performing your audition piece your deadline for this work is next Thursday 28.11.13 by 3.30pm. Planning and monitoring your budget will help identify wasteful expenditures, adapt quickly as your financial situation changes, and achieve your financial goals. It is a financial plan WHAT IS A START UP BUDGET ? It is a fundamental tool for an event to predict with a reasonable accuracy whether the event will result in a profit, a loss or will break-even. It can also be used as a pricing tool The focus is on variables, inputs and outputs EXTENDED TARGET WHAT IS A BUDGET ? Financial Budget OPTION 1 Clarify and understand the process of calculating percentages OPTION 2 Improve ability to autonomously problem solve with minimal guidance OPTION 3 Develop strategies to improve mental arithmetic INDIVIDUAL TARGET'S Please come and see me efore starting the extended task. Complete all online reading and learning resources first before making a start towards completing worksheet (PAB 2b)

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