Madison Budgeting

 Being as realistic as possible with this. Offer letter was for base salary of $4700 but there are bonuses available. he said i should guestimate id make about 52K after the bonuses, but theyare not guaranteed so I will not budget with that in mind. Payheck calculator saif to operate with bringing home about 2900 - 3000 a month. 

*can only be approved for up to 1300 in rent. 

I'll get paid once a month and its the last friday of the month. *cries*

So i'll set as many of the autopays as possible for the first week of the month, so I know how much i am working with for the remainder of the month. 

starting in august my student loans will be about $250. 

Health insurance:

1. Dean Focus  Network Gold Copay Plus 1500X
1. 297.46 if i do just base = owe money at taxes with bonus pay
1. full price: 355.46
2. 1500 deductable
3. 5700 out of pocket expense
4. primary care: 30
5. specialist: 60
6. Generic meds: 15
2. Dean Gocus Network Gold Standard 2000X
1.  282? - if i claim base
1. full price:340.95
2. 2000 deductible
3. 8700 ou  of pocket
4. primary care 30
5. specialist 60
6. generic meds:15
3. Dean Focus Network Gold Copay PCP 2000X
1. 269.19
2. 2000 deductible 
3. 6900 out of pocket
4. primary care: 30
5. specialist: 20%  after deducitble 
6. Generic meds: 15
4. Anthem (BCBS) Silver Blue Preffered/Broad 5800/40% standard
1. 313.87 if i do just base = owe money at taxes with bonus pay
1. full price:371.87
2. 5800
3. 8900 out of pocket
4. Primary care: 40
5. specialit: 80
6. generic meds: 20
5. Dean Gold Value Copay 4000X
1. 316.61
2. 4000 out of pocket
3. 25 primary
4. full price until deductible, then no cost
5. 15 generic
6. Dean Focus Silver Standard 5800X
1. 280.79  if i do just base = owe money at taxes with bonus pay
1. full price:338.79
2. 5800 deductible
3. primary care: 40
4. specialist: 80
5. general meds 20

------------------------------------------------------------------------------ income: $3000

$280 loan

$70 payment for flight up there to look at apartments....

$235 car payment 

$100 insurance (geico quote) --> how much if added to mom?

$80 utilities (only consider a place where heat is included)

$50 internet

$345 health insurance through marketplace

$250 student loans (although they are frozen for now)

$55 cats (food and catlitter - amazon & chewy - auto renew so i don't think about it.)

$30 Dog (we will have to forgo the wet food and  the bark box for now)

$60 therapy (if i go once a month)

$200 groceries? (will need to seriously meal prep)

$100 savings

-------------------------------------------------

 = 1855

3000- 1785 = 1145 for rent. 

** mind you this does not factor in the bonus income which is based on the group as a whole, not on solo commission. Any money from the bonuses will be used for fun/visiting mom/saving up for the flight pass. Also gas. 

Apartments: 

Seven Oaks - everything but internet & electric included. Garage parking 55 a month

The Faiways - everything but internet included & electric . Surface parking.

Middleton shores - old buildings include everything but electric. surface parking. Heated pool & trails. 

Valley View - all inclusive but internet and electric. surface lot. great ammeneties. 

2060 Allen Blvd  Middleton, WI 53562 --> 2 bed, heat and water included, street parking. uner 1000

https://www.priceline.com/shop/search/itinerary?id=681af1b2-d907-40fd-9403-f2e0229ff63c