AAM OM ON T HN T H I N A LI N A LI F E B YI F E B YB R E T TB R E T T

W H I T W O R T HW H I T W O R T H

Who is Brett?Who is Brett?

I’m an OptometristI’m an Optometrist

I live in Asbury Park, NJI live in Asbury Park, NJ

I’m a 25 years oldI’m a 25 years old

I make an annual income of $118,490I make an annual income of $118,490

As an OptometristAs an Optometrist

Evaluate and diagnose Evaluate and diagnose eyeseyes

4 year college degree4 year college degree

Major from college with a Major from college with a

science degreescience degree

Work with Dr. FridelWork with Dr. Fridel

OffersOffers : : Glasses and contactsGlasses and contacts

Eye ExamsEye Exams

Therapeutic eye careTherapeutic eye care

Tune ups and repairsTune ups and repairs

Asbury ParkAsbury ParkMany art and Many art and

photography galleriesphotography galleries

Theater performances Theater performances (musical and dramas)(musical and dramas)

Ranked 6Ranked 6thth best beach in best beach in New JerseyNew Jersey

Population of 16,116 Population of 16,116

Paying my taxes!Paying my taxes!

Annual IncomeAnnual Income $118,490.00$118,490.00

Monthly IncomeMonthly Income $9,874.00$9,874.00

FederalFederal $2,169.64$2,169.64

StateState $497.86$497.86

LocalLocal $70.00$70.00

MedicareMedicare $143.18$143.18

Social SecuritySocial Security $415.00$415.00

Major ExpendituresMajor Expenditures

24%

4%

7%

4%9%19%

33%Housing

Transportation

Food

Insurance

Savings

Other

Taxes

HouseHouse Trans.Trans. FooFoodd

Ins.Ins. SaveSave OtherOther TaxesTaxes

$2,40$2,4011

$423$423 $65$6500

$371$371 $900$900 $1,83$1,8344

$3,29$3,2955

My HouseMy House1017 11017 1stst Avenue, 07712 Avenue, 07712

3 Bedroom3 Bedroom

2 Bath2 Bath

1,152 Sq. Feet1,152 Sq. Feet

Hardwood Hardwood FloorsFloors

Detached Detached GarageGarage

Brick DrivewayBrick Driveway

Housing ExpensesHousing Expenses Mortgage Payment of $1,339 a month Mortgage Payment of $1,339 a month

$15 $20 $14

$224

$58

$291 $300

$0$50

$100$150$200$250$300

Cost

Water

Recycling

Garbage

Maintenance

Electricity

Property Taxes

Other

Payment

Mini Cooper ‘06Mini Cooper ‘06

Bought for $12,770Bought for $12,770

61,500 Miles61,500 Miles

Average 28 mpgAverage 28 mpg

$286 monthly payment$286 monthly payment

~$90 a month in gas~$90 a month in gas

Maintenance is $21Maintenance is $21

Insurance FeesInsurance Fees

Insurance NameInsurance Name CostCost

HomeownersHomeowners $40$40

HealthHealth $137$137

LifeLife $10$10

AutoAuto $423$423

FoodGroceries $200

Dinning Out $400

Other $50

Internet, Phone, & Internet, Phone, & CableCableComcast XFINITY Double PlayComcast XFINITY Double Play

$70 a month$70 a month

Includes TV and InternetIncludes TV and Internet

Cell Phone - $70 Plus UpgradeCell Phone - $70 Plus Upgrade

My personal needsMy personal needsMedicalMedical $45$45

HairHair $20$20

ClothingClothing $1,000$1,000

Dry CleaningDry Cleaning $100$100

Health ClubHealth Club $50$50

OtherOther $40$40

My borrowed moneyMy borrowed money

Credit Card DebtCredit Card Debt

$197 a month$197 a month

Student LoanStudent Loan

$75 a month$75 a month

Entertain Me!Entertain Me!

$307 total for month$307 total for month

$50 to DVD$50 to DVD

$25 to CD$25 to CD

$50 to Movies$50 to Movies

$183 to Misc.$183 to Misc.

Saving my extrasSaving my extras

$900 a month in $900 a month in savingssavings

$600 goes to $600 goes to RetirementRetirement

$300 goes to just $300 goes to just savings for a rainy savings for a rainy dayday

Works CitedWorks Cited

Asbury Park, NJ FactsAsbury Park, NJ Factsa)a) http://http://www.cityofasburypark.comwww.cityofasburypark.com// b)b) http://alleyesonyouap.com/http://alleyesonyouap.com/

Car InformationCar Informationa)a) http://cgi.ebay.com/ebaymotors/ws/eBayISAPI.dll?http://cgi.ebay.com/ebaymotors/ws/eBayISAPI.dll?

ViewItem&catid=6001&item=270837683039+&viewitem=&itemidViewItem&catid=6001&item=270837683039+&viewitem=&itemid=270837683039=270837683039

b)b) http://www.ecarlist.com/showroom/1634/photos/2036298#19http://www.ecarlist.com/showroom/1634/photos/2036298#19c)c) http://www.bankrate.com/calculators/auto/auto-loan-http://www.bankrate.com/calculators/auto/auto-loan-

calculator.aspxcalculator.aspxd)d) auto-insurance-quotes.carinsurance.com/quote/QuoteOptions.aspxauto-insurance-quotes.carinsurance.com/quote/QuoteOptions.aspx

House InformationHouse Informationa)a) http://www.zillow.com/homedetails/1017-1st-Ave-Asbury-Park-NJ-http://www.zillow.com/homedetails/1017-1st-Ave-Asbury-Park-NJ-

07712/39219043_zpid/ 07712/39219043_zpid/ b)b) http://cgi.money.cnn.com/tools/houseafford/houseafford.html http://cgi.money.cnn.com/tools/houseafford/houseafford.html

Money InformationMoney Informationa)a) http://www.paycheckcity.com/calculator/netpay/us/new%20jersey/http://www.paycheckcity.com/calculator/netpay/us/new%20jersey/

result.htmlresult.html Pictures & OthersPictures & Others

a)a) http://www.google.com/imghp?hl=en&tab=wihttp://www.google.com/imghp?hl=en&tab=wib)b) http://www.comcast.com/Corporate/Learn/Bundles/doubleplay.htmlhttp://www.comcast.com/Corporate/Learn/Bundles/doubleplay.html

THE END!THE END!

And That’s A Month And That’s A Month

In My Life In My Life