How Much Does that Lifestyle of Hard Work REALLY benefit you & your family?
Job-Related Expenses
Write down how much you spend for each of the following items:
DRY CLEANING related to your job per WEEK. (People who don't work in offices usually dress more casually, which often saves money on dry cleaning.)
CLOTHING related to your job per MONTH. (Again, if you didn't work in that office, what clothes might you not buy?) Write here only the approximate amount spent on WORK clothes per month.
ACCESSORIES for your work-related wardrobe per MONTH. (Would you really buy those pantyhose, scarves, shoes and hair accessories if you didn't work in an office?) (Think carefully.) Write the total amont spent on wardrobe accessories per month here.
MISC. JOB-RELATED EXPENSES per MONTH. How much do you spend for company-related: Benefits, union dues, uniforms, charities, programs, gifts, events, meetings, refreshments, etc.? Do not add things like stock purchases or other investments that you can retain ownership of. (Think carefully.) Enter the amount you spend per MONTH here.
TOLLS AND PARKING per WEEK. Enter the amount you spend on tolls & parking costs per WEEK here.
DAY CARE costs per WEEK. Enter the amount that you spend on all day care due to your job, per WEEK.
Approximately how many miles do you drive to and from work per DAY? Include any miles involved in driving to day care. Enter the total miles your drive each DAY from driveway to workplace, both ways.
If you buy breakfast and/or lunch and/or dinner while you are at work or commuting to or from work, enter the approximate total DAILY cost of all meals here. Do not include cost of packed lunches if you pack lunch from home. If you alternate, write the approximate daily average. If you don't buy any food outside the home on days that you work, enter zero.
If a second automobile is used 75% or more of the time for getting to and from work, complete the following five questions. If this does not apply, skip the next 5 questions.
How much is your monthly car payment?
How much was the down payment for the car?
How much is your automobile insurance per MONTH?
(Tip: Did you know that some automobile insurance policies charge LESS if a car is not driven to/from work?)
How much do you spend per YEAR on all of the following: auto repairs, oil changes, tune ups, batteries, tires, seasonable treatments, car washes, detailing, and other auto-related costs?
With large costs that are only necessary every few years (such as tires), estimate what the yearly cost is and enter that amount here. (Use a separate piece of paper if necessary. This is a difficult question to estimate in your head.)
How much do you spend on annual inspections and/or other taxes & permits for the auto per YEAR?
If you were home instead of working, what other costs or expenses would you save? Enter them here as WEEKLY totals. (This carefully. This is a hard one.)
Item Amount per month $
Item Amount per month $
Item Amount per month $
INCOME
Answer the following by looking at a recent and normal pay stub.
How much is your GROSS pay (before tax) per WEEK? (If you are paid monthly, divide the total gross pay by 4.2 and enter that amount.)
How much total tax was withheld from your pay? (Again, this will be based on the WEEKLY figure.)
How many days do you work per week?
How many total hours are you gone from home from the time you walk out the door until you get back after work?
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