ZENA’S SPENDING

Zena works 40 hours a week and is paid Income

$314 twice a month. She donates 10%
to Tithing and pays 15% to Taxes.
She bought groceries four times this
month for $82.23, $14.85, $72.98, and
Expenses
$42.28.
Her cell phone plan costs $49.99 a
month with taxes and fees included.
She never goes over on her data usage,
but needs to put enough extra into this
category each month so that she can
purchase a new $120 phone 1 year from
now.
This month she went to a movie ($8.00), Cash Flow Summ
had lunch with some friends three
different times ($6.85 each time), went
swimming ($3.50), and went hiking and
cycling with her friends several times,
which was free except that she got a
flat tire which cost $7.50 to replace.

What is Zena’s Monthly Cash Flow?

 Paycheck
Total Income:

enses
Tithing
Taxes
Groceries
Cell Phone
Entertainment
Total Expenses:

h Flow Summary
Total Income
Total Expenses
Monthly Cash Flow:
EDWARDO'S BUDGET
Income

Edwardo just set up a budget for

himself. His goal is to live on just Expenses
his monthly Paycheck and not
withdraw anything from his
Savings.

Great goal, but how much

does that leave him each
month for Groceries? Cash Flow Summ
What is his cash flow?

Challenge Question
Use the Quantitative Reasoning Process to make a meal plan that Edwardo cou
stay within his budget. Do you think his Grocery budget goal is reasonable?
 New Monthly
Goal
Paycheck 225.00
Withdraw from Savings 0.00
Total Income: 225.00

enses Goal
Tithing 22.50
Taxes 33.75
Groceries
Cell Phone 78.75
Entertainment 55.00
Total Expenses:

h Flow Summary Goal

Total Income 225.00
Total Expenses
Monthly Cash Flow:

an that Edwardo could use for a month and

al is reasonable?
JENNY’S BUDGET
Income

Jenny spent more than

she should have in Expenses
January.

How much will she

need to withdraw from
her Savings Account to
balance her January
Budget? Cash Flow Summ

She set a New Monthly

Goal. How much does
Challenge
her new Question
monthly goal
Use the Quantitative Reasoning Process to create an Entertainment plan that a
leave forcould she do? Do you think her new goal is reasonable?
What things
Entertainment?
 New Monthly
Goal
Paycheck 450.00 450.00
Withdraw from Savings 0.00
Total Income: 450.00 450.00

enses Goal
Tithing 45.00 45.00
Taxes 81.00 81.00
Groceries 380.00 280.00
Cell Phone 50.00 35.00
Entertainment 75.00
Total Expenses: 631.00 441.00

h Flow Summary Goal

Total Income 450.00 450.00
Total Expenses 631.00 441.00
Monthly Cash Flow: -181.00 9.00

tainment plan that allows Jenny to live within her new goal.
asonable?
TANISHA & DREW'S PLANNI

Tanisha and Drew

are getting married Expenses
soon. Their
combined budget
goal for two cell
phones is to pay less
than $85 a month.

Use the Quantitative

Reasoning Process to
decide which plan
they should choose
after they get
married.
PLANNING

enses Goal
Tithing 102.00
Taxes 255.00
Groceries 300.00
Cell Phone
Miscellaneous 150.00
Total Expenses: 807.00

Plan Name
All you need
Unlimited 1 month
Unlimited 3 months
Unlimited 6 months
Unlimited 1 year
Use Excel to calculate the montly
price for each of the cell phone plans
to the left.

Monthly Pro-rated Price

$30.00