https://padlet.com/smund212/74x19zvzozla By: Savanna Mundinger en-us 2018-02-08 16:22:54 UTC 2023-09-10 07:42:38 UTC hello@padlet.com smund212 https://padlet.com/smund212/74x19zvzozla/wish/229662569 2018-02-08 16:27:03 UTC https://padlet.com/smund212/74x19zvzozla/wish/229662569 smund212 https://padlet.com/smund212/74x19zvzozla/wish/257708863 2018-05-03 15:27:37 UTC https://padlet.com/smund212/74x19zvzozla/wish/257708863 smund212 https://padlet.com/smund212/74x19zvzozla/wish/257709444 PLAN:
Start by: August, 2025
1. Contribute to 401k
2. Avoid unnecessary payments
3. Keep a steady job
4. Don't take out unnecessary loans]]> 2018-05-03 15:28:48 UTC https://padlet.com/smund212/74x19zvzozla/wish/257709444 smund212 https://padlet.com/smund212/74x19zvzozla/wish/257716785 PLAN:
Start by: August, 2021
1. Graduate highschool
2. Take out student loan 
3. Attempt to get scholarship]]> 2018-05-03 15:42:50 UTC https://padlet.com/smund212/74x19zvzozla/wish/257716785 smund212 https://padlet.com/smund212/74x19zvzozla/wish/259324138 PLAN:
Start by: June, 2026
1. Have a steady job
2. Own my own living space
3. Have saved money and spending money
4. Keep good credit ]]> 2018-05-09 15:23:12 UTC https://padlet.com/smund212/74x19zvzozla/wish/259324138 smund212 https://padlet.com/smund212/74x19zvzozla/wish/259324329 Bank Name: Chase
Accounts Chosen: Chase Total Checking, Chase Savings
Information:
-no annual fee
-local
-0% intro APR for the first 15 months
-$5 monthly fee for savings account
-$2.50 ATM fee

Reflection: I chose this bank because there are many rewards and benefits.

]]> 2018-05-09 15:23:33 UTC https://padlet.com/smund212/74x19zvzozla/wish/259324329 smund212 https://padlet.com/smund212/74x19zvzozla/wish/259325526 PLAN:
Get by:  2026
Cost: $23,998
1. Get license 
2. Begin saving 2020 ]]> 2018-05-09 15:26:01 UTC https://padlet.com/smund212/74x19zvzozla/wish/259325526 smund212 https://padlet.com/smund212/74x19zvzozla/wish/259326217 After doing some research I have found that the cost of living in Sedona, Arizona is far too expensive for me to afford with my future career. Instead I've decided to invest in an apartment i Grayslake, Illinois. I will live here until I have saved up enough money to buy a house.
Cost Per Month: $1,087
Amenities Included: grill, washer, dryer, dishwasher, TV, microwave, oven, refrigerator, freezer
Utilities and Apartment Costs: 
garage parking fee: $50 (reccuring)
admin fee: $200
application fee: $50
cat and dog fee and rent
Percent of Monthly Income going Toward Apartment:

Reflection: After looking at houses I noticed that without saving up money before moving into my own house I'd never be able to afford a house. So I made the decision to move into an apartment and save my money until I have enough money to buy a house.]]> 2018-05-09 15:27:29 UTC https://padlet.com/smund212/74x19zvzozla/wish/259326217 smund212 https://padlet.com/smund212/74x19zvzozla/wish/259327986 Credit Card Name: Chase Freedom

APR: no APR for the first 15 months, after that 16.5%- 25.3% APR
Default APR:
Benefits and Info: 5% cash back on purchases $75 dollars or more, welcome bonus, at least 1% cash back on all purchases, free credit score update at CreditJounrey
Annual Fees: None
Penalties: foreign transaction fee of 3% in US dollars,interest rates,
Rewards: cash back, credit score updates, no annual fees

Reflection: The Chase Freedom credit card has many benefits and very few penalties. Chase banks are also very accessible and local.

]]> 2018-05-09 15:30:55 UTC https://padlet.com/smund212/74x19zvzozla/wish/259327986 smund212 https://padlet.com/smund212/74x19zvzozla/wish/259329715 2018-05-09 15:34:21 UTC https://padlet.com/smund212/74x19zvzozla/wish/259329715 smund212 https://padlet.com/smund212/74x19zvzozla/wish/259330108 Medical & Dental

Reflection: I chose to have medical and dental coverage because the payments for both of dental and medical bills are so expensive.]]> 2018-05-09 15:35:05 UTC https://padlet.com/smund212/74x19zvzozla/wish/259330108 smund212 https://padlet.com/smund212/74x19zvzozla/wish/261193957 State Farm
Protects: theft, vandalism, weather damage, water damage
Monthly Cost: about $12 a month]]> 2018-05-16 12:56:05 UTC https://padlet.com/smund212/74x19zvzozla/wish/261193957 smund212 https://padlet.com/smund212/74x19zvzozla/wish/261194060 Allstate
Covers: medical bills from an accident, protects from uninsured drivers, pays for repairs caused by theft vandalism and natural disasters, protects for damage of lawsuit 
Monthly Cost: $507]]> 2018-05-16 12:56:25 UTC https://padlet.com/smund212/74x19zvzozla/wish/261194060 smund212 https://padlet.com/smund212/74x19zvzozla/wish/261194219 State Farm
Protects: from death
Benefits: cash value, death benefit
Annual Cost: $1,658]]> 2018-05-16 12:56:50 UTC https://padlet.com/smund212/74x19zvzozla/wish/261194219 smund212 https://padlet.com/smund212/74x19zvzozla/wish/261627019 PLAN:
Average Cost: $300- $1500
1. Live in a pet friendly environment
2. Have a steady job
3. Begin saving as soon as I have income
4. Look at shelters]]> 2018-05-17 15:22:14 UTC https://padlet.com/smund212/74x19zvzozla/wish/261627019