housespreadsheetics17sargs


 * ==== Playstation 4 ==== || ==== Gaming Device ==== || ==== $300 ==== || ==== Luxury ==== ||
 * ==== Couch ==== || ==== Black Leather Couch ==== || ==== $900 ==== || ==== Necessity ==== ||
 * ==== Fridge ==== || ==== Black Whirlpool Fridge ==== || ==== $1,439 ==== || ==== Necessity ==== ||
 * ==== Washer ==== || ==== Samsung washer ==== || ==== $477.90 ==== || ==== Necessity ==== ||
 * ==== Dryer ==== || ==== Amana Dryer ==== || ==== $299.99 ==== || ==== Necessity ==== ||
 * ==== Microwave ==== || ==== Black microwave ==== || ==== $61.00 ==== || ==== Necessity ==== ||
 * ==== Stove ==== || ==== Black Oven ==== || ==== $300.00 ==== || ==== Necessity ==== ||
 * ==== Dish washer ==== || ====stainless steel dishwasher==== || ====$449.99==== || ====Necessity==== ||
 * ==== TV ==== || ====Smart TV==== || ====$700.00==== || ====Luxury==== ||
 * ==== Bed ==== || ====Good Bed==== || ====$438.89==== || ====Necessity==== ||
 * ==== Paper Plates ==== || ==== Disposable paper plates ==== || ==== $14.18 ==== || ====Necessity==== ||
 * ==== Plastic Forks ==== || ==== White plastic forks ==== || ==== $6.00 ==== || ==== Necessity ==== ||
 * ==== Plastic spoons ==== || ==== White plastic spoons ==== || ==== $6.00 ==== || ==== Necessity ==== ||
 * ==== plastic knives ==== || ==== White plastic knives ==== || ==== $6.00 ==== || ==== Necessity ==== ||
 * ==== plastic cups ==== || ==== Solo red plastic cups ==== || ==== $8.99 ==== || ==== Necessity ==== ||
 * ==== Art ==== || ==== painting ==== || ==== $500.00 ==== || ==== Luxury ==== ||
 * ==== Lamp ==== || ==== black lamp ==== || ==== $14.99 ==== || ==== Luxury ==== ||
 * ==== Vacuum ==== || ==== Blue vaccum ==== || ==== $39.96 ==== || ==== Necessity ==== ||
 * ==== Desk ==== || ==== L shaped desk ==== || ==== $85.00 ==== || ==== Necessity ==== ||
 * ==== Globe ==== || ==== Black world globe ==== || ==== $9.99 ==== || ==== Luxury ==== ||
 * ==== Recliner ==== || ==== Brown recliner ==== || ==== $159.97 ==== || ==== Luxury ==== ||
 * ==== Rug ==== || ==== Black and white rug ==== || ==== $135.67 ==== || ==== Luxury ==== ||
 * ==== blanket ==== || ==== Brown blanket ==== || ==== $29.99 ==== || ==== Necessity ==== ||
 * ==== pillow ==== || ==== white pillow ==== || ==== $5.99 ==== || ==== Necessity ==== ||
 * ==== Bluetooth Speaker ==== || ==== Beats pill ==== || ==== $229.99 ==== || ==== Luxury ==== ||
 * ==== Projector ==== || ==== black projector ==== || ==== $149.99 ==== || ==== Luxury ==== ||
 * ==== TV ==== || ==== Vizio 80' TV ==== || ==== $2,999.80 ==== || ==== Luxury ==== ||
 * ==== Clock ==== || ==== Jordan Clock ==== || ==== $62.87 ==== || ==== Luxury ==== ||
 * ==== Wifi ==== || ==== Google wifi ==== || ==== $129.99 ==== || ==== Necessity ==== ||
 * ==== Chair ==== || ==== Office leather chair ==== || ==== $25.99 ==== || ==== Luxury ==== ||
 * ==== Mini basketball hoop ==== || ==== mini basketball hoop ==== || ==== $6.99 ==== || ==== Luxury ==== ||
 * ==== Phone case ==== || ==== Phone case ==== || ==== $4.90 ==== || ==== Necessity ==== ||


 * || ====APR= 15%==== || ====Compound Interest==== ||  ||
 * ====Principal==== || ====%/month==== || ====Amount Due==== || ====Payment==== ||
 * ====$10,000==== || ====1.25%==== || ====$10,125==== || ====$385==== ||
 * ====$9,740==== || ====1.25%==== || ====$9,862==== || ====$385==== ||
 * ====$9,477==== || ====1.25%==== || ====$9,595==== || ====$385==== ||
 * ====$9,210==== || ====1.25%==== || ====$9,325==== || ====$385==== ||
 * ====$8,940==== || ====1.25%==== || ====$9,052==== || ====$385==== ||
 * ====$8,667==== || ====1.25%==== || ====$8,775==== || ====$385==== ||
 * ====$8,390==== || ====1.25%==== || ====$8,495==== || ====$385==== ||
 * ====$8,110==== || ====1.25%==== || ====$8,212==== || ====$385==== ||
 * ====$7,827==== || ====1.25%==== || ====$7,925==== || ====$385==== ||
 * ====$7,540==== || ====1.25%==== || ====$7,634==== || ====$385==== ||
 * ====$7,249==== || ====1.25%==== || ====$7,339==== || ====$385==== ||
 * ====$6,954==== || ====1.25%==== || ====$7,041==== || ====$385==== ||
 * ====$6,656==== || ====1.25%==== || ====$6,740==== || ====$385==== ||
 * ====$6,355==== || ====1.25%==== || ====$6,434==== || ====$385==== ||
 * ====$6,049==== || ====1.25%==== || ====$6,125==== || ====$385==== ||
 * ====$5,740==== || ====1.25%==== || ====$5,811==== || ====$385==== ||
 * ====$5,426==== || ====1.25%==== || ====$5,494==== || ====$385==== ||
 * ====$5,109==== || ====1.25%==== || ====$5,173==== || ====$385==== ||
 * ====$4,788==== || ====1.25%==== || ====$4,848==== || ====$385==== ||
 * ====$4,463==== || ====1.25%==== || ====$4,519==== || ====$385==== ||
 * ====$4,134==== || ====1.25%==== || ====$4,185==== || ====$385==== ||
 * ====$3,800==== || ====1.25%==== || ====$3,848==== || ====$385==== ||
 * ====$3,463==== || ====1.25%==== || ====$3,506==== || ====$385==== ||
 * ====$3,121==== || ====1.25%==== || ====$3,160==== || ====$385==== ||
 * ====$2,775==== || ====1.25%==== || ====$2,810==== || ====$385==== ||
 * ====$2,425==== || ====1.25%==== || ====$2,455==== || ====$385==== ||
 * ====$2,070==== || ====1.25%==== || ====$2,096==== || ====$385==== ||
 * ====$1,711==== || ====1.25%==== || ====$1,732==== || ====$385==== ||
 * ====$1,347==== || ====1.25%==== || ====$1,364==== || ====$385==== ||
 * ====$979==== || ====1.25%==== || ====$991==== || ====$385==== ||
 * ====$606==== || ====1.25%==== || ====$614==== || ====$385==== ||
 * ====$229==== || ====1.25%==== || ====$232==== || ====$385==== ||
 * ====-$153==== || ====1.25%==== || ====-$155==== ||  ||
 * ====-$155==== || ====1.25%==== || ====-$157==== ||  ||


 * ==== discretionary spending: The book was not talking about government spending. government spending implemented through an appropriations bill. ====
 * ==== net worth: a concept applicable to individuals and businesses as a key measure of how much an entity is worth. ====
 * ==== giving: To hand over to someone for them to keep ====
 * ==== savvy shopping: The ability to shop good and buy stuff that you need and not waste money. ====
 * ==== budget: an estimate of income and expenditure for a set period of time. ====
 * ==== debt: something, typically money, that is owed or due. ====
 * ==== credit card pros and cons: Pros: You can buy anything even if you do not have the cash. Cons: You can get carried away spending money you do not have. ====
 * ==== debit card pros and cons: Pros: You do not have to carry extra cash around because you have your card. Cons: If you make a purchase and you do not have the money in your bank account, the purchase will not go through. ====
 * ==== borrow and down payment: the difference between the selling price and the amount of money you borrow to buy the property. ====
 * ==== APR: the annual rate charged for borrowing or earned through an investment, and is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan. ====
 * ==== credit score: a number assigned to a person that indicates to lenders their capacity to repay a loan ====
 * ==== public and private colleges: an independent school that sets its own policies and goals, and is privately funded. a university that is predominantly funded by public means through a national or sub national government, as opposed to private universities. ====

====2. The advantage of a credit card are when you do not have any cash on you in an emergency, you can buy anything with your credit card. The disadvantages of a credit card are if you make a late payment to the company, they will charge you with a late payment fee which can really affect you. Another disadvantage is that you can get very carried away with the thought of you can buy anything with your card and you may buy items that in three months or less you can not pay them off.====

====3. A credit card is like a debit card but you are borrowing money from a distributor that you promise to pay them later. A principal is a sum of money lent or invested on which interest is paid. An APR is the annual percentage rate for charging/borrowing money. This represents the actual yearly cost of funds over the term of a loan. Simple interest is a quick method of calculating the interest charge on a loan. Compound interest is the addition of interest to the principal sum of a loan or deposit, or "interest on interest". Monthly payments are payments you pay each and every month that you owe money to that company to pay off a loan.====

====4. If you know the math calculations for these methods, then you will have much more knowledge on if it is the right decision to take a loan from a company or buy something that you do not really need.====

====5. The most important lesson I have learned from this lesson is that you can not purchase items that you know you will not be able to pay off in three months or less. If you do buy something that you can not pay off you can get in a lot of financial trouble.====