Family+Project

The Blane's Family
//**Day 2** My name is Jordan my mom is 41 and her name is Katie and a father named JJ.. Then its me on in the line im 16 then its derek he is 10 and then my newest sister named Sunny she is 2.//
 * Day 1**
 * __**Name**__ || __**Role**__ || __**Age**__ || __**Occupation**__ ||
 * Katie || Mother/Wife || 41 ||  ||
 * Tyler || Dad/Husband || 42 ||  ||
 * Jordan K || Son || 16 ||  ||
 * Derek || Son || 10 ||  ||
 * Elora || Daughter || 2 ||  ||

 **//__Day 3 Buying a House__//** My family and I have been living in a house for three months and this is a picture of it- It's a big kitchen and good sized bedrooms and there is one for everyone. We have to put up new paint and some rooms and a few rooms also need new paint. I don't mind having to redo the house a little to make it ours. We have one extra bedroom that we will use as a toy/storage room. The kids will have more room in their rooms for other things if some stuff can go in the extra room. The extra room is also the biggest, so we will also have rooms to store Christmas decorations in the summer, taxes information, and other stuff that we don't use all year round.

It is a 1,900 square foot house with-
 * 5 bed rooms and two full bathes
 * 5850 N. Lydell Ave. Whitefish Bay, Wisconsin 53217
 * $1,142 per month
 * Total cost= $239,500.00

 **//__Day 4__//**  **//__First Car __//** $12,995 36,000 miles Abyss Black Ford Edge I really like this car, Tyler picked it out and I really do like it. When our son does drive, he does use Tyler's car and never ever mine.



 __//**Second Car**//__ 28,000 miles $23,000 Light Blue Crysltler 300c This is my dream car and I really really love it. It is the perfect car. Total car payment per month is $740

 __//**Day 5 phone and house costs**//__ We have a internet, house phone, and cable bundle and it costs $130.00 per month. We can record on our TV and the internet is really fast. We also have the AT&T family phone plan for $199.99 per month. We have unlimited minutes We have 4 cell phones for Katie, Derrick, Tyler, and I. This is the cell phones that I have. It is a Orange addition of AT&T's nokia.

We also budget my bi-weekly paycheck. A month we pay $195 for gas and electric. We also pay $65 dollars per month for water. We use water very smart in my house. We don't have pool, but we do water the lawn and the garden. We have a vedgie and flower garden, so I use a lot of water, but we take short showers.

__//** Day 6 Food Shopping **//__ Today we looked at how much we spend and what we have on our shopping list every week. These are the pages of our food shopping list.

 //__**Day 7**__// Today we went shopping for all of the toilettries we need in the house at all times. All of the kids did different looking lists. I don't really understand why some of the other people in my family spent so much money on simple things that you can get for much cheaper. This is the final list-

Shampoo X2- $2.78 Conditioner X2- $2.78 Head to toe Baby soap- $4.19 Tooth paste X2- $6.50 Hair Spray + Gel- $5.54 Make up- $18.50 Chap Stick X2- $5.00 Toilet Paper 24 pack- $8.95 Bath Soap X3- $8.00 Lotion (every two months)- $12.99 Girl/Boy Razors- $12.99 Floss picks- $1.69 Deotorant X1(girl) X3(boy)- $14.78 Tooth brushes X5 (every two months)- $20.00 Hand Soap X3- $8.37 Tissue X3- $10.00 Cotton Balls- $4.00 Body Spray- $5.00

 **Day 8** Today we worked on seeing how much we spent on other things in one month. I never thought about how much we spend on things you wouldn't think you needed to spend so much money on. These are the things we needed to factor in money on in our budget- Clothing- $80.00 Dental/Medical- $50.00 Special Occasion- $250.00 Entertainment- $200.00 House Repairs- $150.00 Education- $50.00 

Family Extra Spending**

1. If my job no longer had my family and me covered for health insurance, then we would have to pay $650 more dollars per month. If that happened, then we would have to use all of the extra money we have each month, which is $235, and we would also have to start cutting back on extra we do in our family. We would eat out less, spend less money per month on entertainment, and not spend as much money on clothes each month.

2. If the roof on our house started to leak and it would cost $9,000, then we would have to pay for it on a monthly basis. We have $235 extra per month, so we would use also all of the that, about $225 dollars per month and we would also have to cut back on extra things we do. We would have the money from past months in the bank, so we would be able to pay off about 3/4 of the total cost right away. The job might also have to wait a couple weeks, until we have emough money so that we're not in debt.

3. If we wanted to get an expanded and it would cost $45,000, then we would not get it done in the first place. If we did get in done, then it would have to wait until we have enough money to put down at least $7,000 and we would take out a loan to do the rest. The loan would be paid off over five years. Paying it off over five years would mean that we have to pay about $690 a month to pay it off. In the long run, expanding the home would add more money to the cost of the house then how much we spent expanding it.

4. If was a bout to be winter and we really needed new furnace and central air conditioning, then we would have to pay for it all at once. If we didn't use any of our extra money that is in the bank for a year and a half, then we would pay off al of the cost right away and would not be in debt. If we still wanted to go on a vacation during the time that we were saving for the new heating and cooling, then we would have to cut back on other exspences during the year such as; going out to dinner, shopping, and entertainment.

5. If our basement got flooded and we had to pay $8,000 to repair it, then we would hopefully have about $6,000 in the bank from the past few years, so we would be able to pay off most of it and then we would either take out a sm all loan, or just pay pack the store or company that fixed it for us over the next few months.

6. Since we have not done it yet and the costs are only estimates, we would do other things to make the costs cheaper. We could wait a couple months in between each remodel, so that we would be able to save up a little bit more before spending a lot more. We would do all the work our self, so that would bring the price down to about $16,000. In stead of buying things at Home Depot or Menards, we could shop at HOBO to get the materials a lot cheaper. That would bring the cost down to about $14, 750. We would also not buy all of the small detail items at big stores. We would shop at places like K-Mart and Target to get those things for cheaper. We would then pay for the whole thing, about $14,500: $5,500 cheaper then we thought.