Personal Budget

Monthly	..Yearly..	Income/Expense
2,848.50	34,182	Gross Income (of a teacher and part time dance teacher) Source: salary.com :Elementary School Teacher $34,182 I used the salary for an elementary school teacher because I hope to teach dance in elementary school. There is no salary for a dance teacher (choreographer does not describe a dance teacher in a school) so I used elementary school teacher.
-854.55	-10,254.60	Taxes: subtract 30%
-450	-5,400	Housing: apartment with roommate (Lauren Richardson) Source: Apartment Link
-156	-1,872	Health Insurance Blue Preferred by Care First Blue Cross Blue Shield PPO, $500 deductible, coinsurance 20%, $25 office visit Source: quote from ehealthinsurance.com
-4.17	-50	Rental Insurance Source: quote from State Farm quoted $100 total per year, which will be split with my roommate
-40	-480	Cellphone Source: Cingular Wireless Website
-40	-480	Internet Source: This is what I currently pay for internet and people who live in the area say that it's comparable to rates there.
-75	-900	Retirement savings
-45	-540	Electricity and heat My parents, who live in a nearby area, pay 200 a month for electricity and heat and their house is 2-3 times larger than the rental unit. So I estimate heat/electricity will cost about $90, which is $45 when split between two roommates.
-200	-2,400	Food Source: My current spending on food/necessities (rounded up)
-356	-4272	Car Payment Source: My current car payment.
-91.67	-1100	Car Insurance Source: My current car insurance costs.
-75	-900	Gas Source: It costs about $30 to fill up my car and, even when in Maryland, I never fill it up more than twice a month.
-416.67	-5000	Student Loans Source: I will owe $5000 a year for four years.
-0	-0	Credit Card Debt Source: I currently have no credit card debt.
-25	-300	Other- Supplies to care for my bird (Eeyore) Source: My current costs.
-19.44	-233.4	Amount left over

Note: both columns balance out to zero.
Living Area: suburbs outside DC, zip code: 20832