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Purchase a used 2018 Ford Fusion
Buy it with as much cash as I can so I don't go into debt.

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Type and other details

Why/Reflection

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Chase Freedom Unlimited®

Benefits/Information: $150 bonus after you spend $500 on purchases in the first 3 months from account opening.
Earn unlimited cash back Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
APR: 0% for first 15 months then 16.49%
Default APR: 24.25%
Annual Fees: $0
Penalties: Late Payment Info- Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more.
Rewards:Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.

Why/Reflection
I decided to get this Credit Card because it is through the bank that I went with so it would be easy for me to pay off my credit card. I also liked that it is a Visa card, which is accepted almost everywhere. Lastly I liked that I got 1.5% cash back on every purchase so if I was buying a new TV (and had the money to do so in my checking) I would buy it with my Credit Card and then pay off my credit card right afterwards so that I could benefit from the 1.5% cash back while not having to deal with the large interest rates.

https://creditcards.chase.com/freedom-credit-cards

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Cost of Home: 217,000
20% Down Payment: 43,400
Property Taxes:  1,054
Loan Amount(amount financing):  173,600
Monthly Payments: 891 per month

REFLECTION
Based off of a Salary of $68,640 (Average for Psychologist) I would be bringing home $5720 a month and only be paying $891 of it toward my morgage which is less then 30% of my salary. This home could be covered by only me and if I were to get married, and my husband were to loose his job, I would still be able to pay for the house. I had an extra 51% of the 30% goal for just the house to make sure the house stays afloat during times of struggle.

https://www.zillow.com/homes/for_sale/Surprise-AZ-85387/fsba,fsbo,new,cmsn_lt/71610127_zpid/94959_rid/2-_beds/100000-250000_price/400-1000_mp/globalrelevanceex_sort/33.877256,-112.230149,33.575154,-112.699128_rect/10_zm/

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Chase
Chase College Checking
- $0 monthly service fee for up to 5 years when attending a college
- $25 minimum first deposit
- Offers blocking out any overdraft by having the card declined when there are not enough funds in the account.
- Large bank that is available almost anywhere in the United States

While not paying a monthly service fee is a benefit, I chose Chase bank because they are where my mother banks, so I linked the two accounts together so my mother and I could exchange money easily.

https://www.chase.com/personal/checking/student-checking

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Start by 2018
Go to College
Pay back loans as soon as possible (especially unsubsidized loans)

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Start by 2020
Have at least 1,000 in an emergency funds dedicated account
Continue to put more in as I get more successful

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Start by 2022
10% of paycheck into a retirement plan
Invest any extra money into mutual funds