Personal Finances. The following exercises involve analyses of your personal income and expenses. We suggest that students be allowed to fictionalize their data, if they wish.
Monthly Cash Flow. Create your complete monthly budget, listing all sources of income and all expenditures, and use it to determine your net monthly cash flow. Be sure to include small but frequent expenditures and prorated amounts for large expenditures. Explain any assumptions you make in creating your budget. When the budget is complete, write a paragraph or two explaining what you learned about your own spending patterns and what adjustments you may need to make to your budget.
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