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 * ** Item ** || ** Description ** || ** Item Value ** || ** Luxury **
 * Necessity ** || ** Online Source ** ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Refrigerator || BOSCH B26FT70SNS || $125 || Necessity || __ http://www.ebay.com/itm/Bosch-B26FT70SNS-25-9-cu-ft-French-Door-Refrigerator-Ice-Water-Dispenser-/201274711140?pt=Refrigerators&hash=item2edce85c64 __ ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Oven || GE Black 30'' Double Electric || $31 || Necessity || __ http://www.ebay.com/itm/GE-Black-30-Double-Electric-Wall-Oven-JTP35DPBB-USED-/171651509830?pt=US_Cooktops&hash=item27f73a2e46 __ ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Microwave || Danby DMW145A1BDB || $11 || Luxury || __ http://www.ebay.com/itm/Danby-DMW14SA1BDB-1-4-cu-ft-Countertop-Microwave-Oven-3-/191489774281?pt=Small_Kitchen_Appliances_US&hash=item2c95ae12c9 __ ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Bed || 8'' Full Size Cool Memory Foam || $199.00 || Necessity || http://www.ebay.com/itm/8-inch-Full-Size-Cool-Firm-Memory-Foam-Mattress-Bed-Eco-Friendly-Sale-/131245310404?pt=Mattresses&hash=item1e8ed481c4 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Washer and Dryer Set || Whirlpool || $260.00 || Necessity || http://www.ebay.com/itm/Energy-Efficient-Whirlpool-Washer-and-Dryer-Set-/251802617578?pt=LH_DefaultDomain_0&hash=item3aa09b06ea ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Couch || Kelvin Klik Klak || $199.99 || Necessity || http://www.roomstogo.com/product/Sofas/Kevin-Klik-Klak/10952302?cid=ps:Google%7CPLA%20Adults%7CLiving%20Room%20-%20Sofas%7C10952302&utm_source=Google&utm_campaign=PLA%20Adults&utm_content=Living%20Room%20-%20Sofas&utm_term=10952302&kpid=10952302&zmam=47172543&zmas=2&zmac=14&zmap=10952302&kpid=10952302&gclid=CP7vuNOnt8MCFeVj7AodVHMA0A ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Flat Screen TV || Vizio 70” || $1,497.99 || Luxury || http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&s=&cs=19&sku=A7097550&ST=pla&dgc=ST&cid=262077&lid=4742363&acd=1230980731501410 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Recliner || Acme 00632 || $10.50 || Luxury || http://www.ebay.com/itm/ACME-00632-Arcadia-Recliner-Oakwood-Chocolate-Microfiber-/301506758023?pt=LH_DefaultDomain_0&hash=item4633340587 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Puppy || Female 2 months 24770305 || $195.00 || Luxury || http://humanesocietytampa.org/adoptions/adopt-a-doggie/ ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Chandelier || Crystal || $101.00 || Luxury || http://www.ebay.com/itm/Elegant-Crystal-Chandelier-Modern-Ceiling-Light-Lamp-Pendant-Lighting-Fixture-/141336898062?pt=US_Chandeliers_and_Ceiling_Fixtures&hash=item20e855ea0e ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Dinning Room Table Set || Cherry Wood || $578.70 || Necessity || http://www.ebay.com/itm/7-PC-brand-new-Cherry-finish-solid-wood-dining-table-set-table-and-6-chairs-/251457495840?pt=Dining_Sets&hash=item3a8c08e320 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Firepit || 32” Square Metal Fireplace || $59.95 || Luxury || http://www.ebay.com/itm/32-Square-Metal-Fire-Pit-Outdoor-Patio-Garden-Firepit-Bonfire-Heater-Brazier-/361145816531?pt=LH_DefaultDomain_0&hash=item5415f7d5d3 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Dish Washer || BIDW1855 1 Edgestar || $429.00 || Luxury || http://www.ebay.com/itm/New-BIDW18SS-1-EdgeStar-Energy-Star-18-Built-In-Dishwasher-Stainless-Steel-/121545833751?pt=LH_DefaultDomain_0&hash=item1c4cb23d17 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Dresser || NORDLI 8 drawer || $399.00 || Necessity || http://www.ikea.com/us/en/catalog/products/S19021267/ ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Stove || NUTID 5 element glass ceramic || $749.00 || Luxury || http://www.ikea.com/us/en/catalog/products/90288691/ ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Dishes || Gorden Ramsy 16pc. || $69.99 || Necessity || http://www.jcpenney.com/gordon-ramsay-maze-16-pc-dinnerware-set/prod.jump?ppId=1e815b2&selectedSKUId=78656710018&selectedLotId=7865671&fromBag=true&cm_mmc=ShoppingFeed-_-GooglePLA-_-Dinnerware%20Sets-_-78656710018&utm_medium=cse&utm_source=google&utm_campaign=dinnerware%20sets&utm_content=78656710018&cvosrc=cse.google.78656710018&cvo_cid=45810122738&gclid=CLX3s7f0yMMCFdgRgQodFHYAbQ&kwid=productads-plaid^68673412778-sku^78656710018-adType^PLA-device^c-adid^45810122738 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Aquarium Coffee Table || 25” gallon w/ 36” table space || $699.95 || Luxury || http://www.hammacher.com/Product/11303?cm_cat=ProductSEM&cm_pla=AdWordsPLA&source=PRODSEM&gclid=CLibnMbzyMMCFSdn7Aod7z4ApQ ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Vanity || HEMNES || $299.00 || Luxury || http://www.ikea.com/us/en/catalog/products/10121228/ ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Mirror || FRÄCK || $4.99 || Luxury || http://www.ikea.com/us/en/catalog/products/38006200/ ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Vacuum Cleaner || Dyson DC50 || $449.99 || Necessity || http://www.dyson.com/vacuums/uprights/dc50/dc50-animal.aspx?sc_lang=en-US&mkwid=PpCgH5bd_dc&pcrid=37801917290&gclid=COOmyMn2yMMCFdgLgQodxnIAeQ ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Blender || Insignia 5Speed Black || $11.99 || Luxury || http://www.bestbuy.com/site/insignia-5-speed-blender-black/6333002.p?id=1219209056909&skuId=6333002&ref=06&loc=01&ci_src=14110944&ci_sku=6333002&extensionType=pla:g&s_kwcid=PTC!pla!!!85459781439!g!!51114093639&kpid=6333002&k_clickid=7eb0262c-e2b6-22a9-52fb-00003004208e&kpid=6333002&lsft=ref:212,loc:1&ksid=7eb0262c-e2b6-22a9-52fb-00003004208e&ksprof_id=13&ksaffcode=4316&ksdevice=c ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Vending machine || 18-5 Combo || $1,580.00 || Luxury || http://www.candymachines.com/Snack-and-Soda-Vending-Machine-18-5-Combo-P4026.aspx ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Xbox || Microsoft Xbox 360 S 4 || $89.99 || Luxury || http://www.n1wireless.com/Gaming_Consoles-Microsoft_Xbox_360_4GB_Console_Only.html?gdftrk=gdfV26616_a_7c189_a_7c387_a_7cXbox360&gclid=CJyS-t_3yMMCFTFp7AodnkgAkw ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||

=Questions:=
 * 1) **Why do people use credit cards?** People use credit cards for emergencies, they are out of money, or they think that they have a lot of money to spend and just blow it all.
 * 2) **What are advantages and disadvantages of credit cards?** ADVANTAGES: You can buy things now and pay later if you are in a rush or don't have any cash on you. They are lighter than carrying around cash and change. You don't have to think about how much you have spent or can spend as much as you want until you get the bill. DISADVANTAGES: It allows for impulse spending. you might forget about what you bought and not expect a bill to be that big.
 * 3) **What do the following terms mean? credit card, principal, APR, simple interest, monthly payments?** Credit Card is a card that allows you to buy now and pay later. principal is is the amount that is borrowed on your credit card. APR is the annual percentage rate, this means that it considers your interest fees and your credit card fees.Simple interest is interest that builds up on the original amount of payment. Monthly payments are the payments that are sent to you each month of how much you owe to the bank from using your credit card.
 * 4) **How can understanding the math calculations for the principal, APR, simple and compound interest, and monthly payments of credit card debt affect your overall financial situation in the future?** Learning about these could save us from going into debt in the future.
 * 5) **What is the most important idea you have learned from this lesson?** The most important idea that I learned was how interest builds up and that if I just pay the monthly requirements it will just lead to more debt.