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The Real World

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FC: The Real World | By: Anna Livingston

1: About the Author | Anna Livingston is a freshman at Oxford High School. She enjoys writing, learning new things, and singing. When it comes to writing, Anna likes to write about the greatness of God, the many ways people can find hope in Him, and anything that will help others grow in their faith. | Anna finds the most challenging part of writing to be including details rather than just cutting to the point. When Anna gets older, she hopes to become a middle school foreign language teacher. Her advice for students that will be entering the 9th grade next year is to always try your best. If you always do the best you can, the results will be great.

2: Table of Contents | Education...............................................2 Profession..............................................3 City Overview.....................................4-5 Standard Living..................................6-7 Household Items.................................8-9

3: Transportation................................10-11 Grocery List......................................14-15 Entertainment and Miscellaneous..16-17 Budget Reflection.............................18-19

4: Education | After graduating high school, I attended Auburn University and majored in Foreign Language Education. This university is located in Auburn, Alabama, and has about 24,500 students enrolled. I chose this university because I am an Auburn fan and also because I think the campus is beautiful. I also chose this campus because of the great academics and student organizations they offer. | On campus-housing is offered at this university, and the cost of my tuition was about $232,992. I did, however, receive a scholarship to lighten the money load.

5: Profession | For a living, I am looking for a job as a foreign language educator at the middle school level. The education requirements are a bachelor's degree and a teaching license, both which I did achieve. Some key duties and responsibilities of this profession are to teach others the Spanish language and to ensure that students understand the material they are being taught. | I chose this profession because of my love to work with others. I feel that if I can make a difference in at least one person's life, then I have done well. My ultimate goal in this profession is to be able to impact the lives of students the way my teachers have impacted my life. Finally, my Plan B career is to be an elementary school teacher at the Kindergarten level. | A foreign language teacher usually makes about $53,430 annually. I do not plan to live in Alabama to pursue this career, but I do, however, plan to live in Charleston, South Carolina.

6: City Overview | The city I chose to begin my career and new life in is Charleston, SC. I chose this city because I love the vintage atmosphere it possesses. I also chose this city because it is only about an hour away from the beach and because of the “New Orleans” feel that downtown Charleston has. | The population of this city is around 125,368 people. The majority of Charleston's population is made up of registered nurses, educators, and accountants, and the average family income is $48,536. I, however, plan to be an educator in the Charleston Country School System.

7: Charleston is located in northeastern South Carolina near many large bodies of water. The weather in this city is almost like a never-ending spring and summer. Winters are short and mild, and for the most part, it is hot and humid. Natural disasters such as hurricanes are also a possibility because of Charleston's close location to the ocean. | Charleston is located near cities such as Summerville, SC, Savannah, GA, and Mount Pleasant, SC. Some ways to stay entertained are to take a carriage ride around downtown Charleston. This city has a low level of crime, with only about 12 murders, 364 burglaries, 2,764 thefts, and 235 auto thefts annually.

8: Standard Living | After moving to Charleston, I plan to live at the Gardens at Ashley River Apartments. I chose this apartment because of the price and also because it is only located around 15 minutes from downtown Charleston. | At these apartments, the cost of rent per month is about $640. Three helpful features they include are an allowance of water, the providing of water, and six on-site clothe washing areas.

9: I do not plan on having cable, but I do, however, plan on having Internet connection, which is provided by the apartment complex. | Finally, I do plan on having a cell phone through Verizon Wireless. This plan will cost $60 a month, and it includes monthly line access and 1 GB of data.

10: Household Items | The apartment that I purchased was already furnished with many necessities. Therefore, the only large items I was forced to have were a TV and a computer, which my parents gave me as a graduation gift. I did, however, buy items such as tray tables, end tables, a desk, and a nightstand. My total cost of furniture and appliances was $397.93.

11: The priority of my money was spent on kitchen items and linens. The total cost of my kitchen items was $239.26, and total cost of my linens was $123.24. | Because the grand total for my household items was only $760.43, this allowed me to add more money into my monthly budget; this was a huge help in the end.

12: Transportation | I have chosen a used 2014 Kia Sorento as my form of transportation. I will need to pay 5% APR and $415.13 a month on my car. The loan term is 60 months with a loan amount of $21,998. The total cost I am paying is around $25,000 with an interest cost of around $3,000.

13: I chose this car because it has no record of accidents or troubles. I also chose this car because the Kia brand is one of the safest cars made, and I want to make sure that I, along with people riding with me, are safe on the road.

14: Grocery List | The total grocery bill for this month was $232. I purchased items in the following categories: meat, perishables, home, non-perishables, and other. In the meat category I spent $25, and in the perishables category I spent $27. Next, in the home category I spent $37. I then spent $42 in the non-perishables category, and finally $102 in the other category. | A majority of my funds were spent in the other category because it covered a wide range of sub-categories such as snacks, grains, and dairy.

15: I believe that this list will be sufficient in feeding myself for a full month because it includes basically the same things I had in my kitchen as a child, therefore I feel confident that it will be sufficient. | In this grocery list, I learned how expensive groceries are. Before doing this, I thought groceries were inexpensive because when you're not buying them in large amounts, they don't add up to be much. When you're buying a month's supply, however, you are able to see how expensive they are by how quickly they add up.

16: Entertainment & Miscellaneous | After paying all of my monthly bills, I have $822.40 left to spend on entertainment and miscellaneous items. From here, I have chosen to set aside money for the categories of savings, home maintenance, vehicle maintenance, fast food, haircuts, entertainment, clothing, and shoes.

17: To begin, I set aside $250 for the savings category and $150 for home maintenance. Next, I set aside $75 for vehicle maintenance and $85 for fast food. I then set aside $20 for haircuts and $55 for entertainment. As my last two costs, I set aside $75 for clothing and $50 for shoes. This adds up to a total of $760. | Finally, after making allocations for this section, my budget total is $62.40.

18: Budget Reflection

19: As you can see in the pie chart, I had many different categories in which I divided the money I would spend. To begin, I spent the most amount of money in the Home section of my budget because there were no unnecessary funds in that category; it was essential that every fee be paid. Next, I spent the least amount of money in the Health and Personal Care category because the expenses were not necessary to pay every month. | In conclusion, working out this month's budget has taught me how to manage my money better and has shown me how rigorous the financial world can be for people who live alone. | Because I had money left over from my graduation present, I did not overspend in this month's budget. If I would not have had that extra money, however, I would have gone over my budget by $1,177. Next month, my budget will be different without these funds in that I will not be able to spend as much money on groceries or put as much money into savings. I will also have to cut down on funds for items in the Health and Personal Care category.

20: Livingston Publishings

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