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Household Budget
My spreadsheet reveals that I am not spending too much per year. It shows that my spending is roughly aligned with my income. My savings rate is just over 4%, which is a low rate, but still higher than that of the average American. That I am able to save anything is a good thing, given that I am earning relatively low income in this scenario. By cutting some expenses, such as on rent, I am able to get by.
My single biggest expense, not surprisingly, is my rent. Thankfully, my rent is inclusive of utilities other than communications, which are billed separately. In every month, my rent was my most significant expense. There were some months where other expenses were also fairly high, such as December when I went home for Christmas, but the rent is always the highest.
There is a fairly high degree of variability in some of my discretionary...
There are a few different categories of spending that are usually discretionary. Eating out and alcohol are always discretionary, and therefore there are months when my cash needs to be used for other things, and these categories are relatively low. Incidentals are another area where my expenses can be flexible. Not all incidentals are discretionary, however, for example if something breaks and needs to be replaced. Clothing and toiletries is another category of discretionary spending. This is a little more predictable, with upward fluctuations in clothing expense in particular when seasons change. Many other expenses are relatively steady. The car insurance and car payments are stable, as is the rent. I have ensured that I have an unlimited use plan for my communications so that there is stability in that bill as well. I also keep my credit card payments to…
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Demand for Money Money in economics terms can be defined by holding cash or non-interest bearing bank accounts. Since these holdings are less advantages than interest bearing accounts or some form of investment, there has to be some motivation to keep cash or completely liquid assets. There are a range of different motivations that can be used to describe these behaviors. However, most of them use liquidity in one form or
Clinical Psychology Dissertation - Dream Content as a Therapeutic Approach: Ego Gratification vs. Repressed Feelings An Abstract of a Dissertation Dream Content as a Therapeutic Approach: Ego Gratification vs. Repressed Feelings This study sets out to determine how dreams can be used in a therapeutic environment to discuss feelings from a dream, and how the therapist should engage the patient to discuss them to reveal the relevance of those feelings, in their present,
……South African Municipalities Municipal Revenue Loss Reduction through Improved Municipal Valuation Methodologies:Balance Sheet Enhancement of South African Municipalities to Improve Rates and Taxes Revenue GenerationAbstractThis study examines the property valuation process of Municipalities in South Africa and develops a strategy for strengthening that process in order to more efficiently value properties and ultimately to enhance municipal balance sheets and increase revenue streams. This study proposes an innovative valuation method based
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Human Resources Management - Maintaining a Competitive Edge in the Corporate Marketplace Change continues to reshape the workplace. Today's HR professional is called upon to help the organization retain its competitive edge in the marketplace. Along with representing the best interests of employees, HR professionals assume the role of strategic partner, administrative expert, and change agent. HR assumes a critical role in promoting the vision and shaping the focus of the