Facilitator's Guide: - College in Colorado

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Grade 11, Money Matters 4: Paying for a Car Student Handbook, What’s Your Car Budget? What’s Your Car Budget? Let’s return to the scenario presented last week: You are about to start your freshman year in college. You’ll be commuting to the local community college from home. Your room, board, and tuition are covered, but you will need to buy a car. You have your eye on one in particular, but now you need to figure out how much you can afford for car payments each month. The place to start is with your budget. You’ll have a part-time job at the campus bookstore, working 20 hours a week at $10/hour. You’ve also estimated your weekly expenses (see chart below). Use this information to determine your monthly budget (be sure to multiply weekly expenses by four). Whatever money you have leftover will be your “car budget.” 1. Net Monthly Income Subtotal a) Gross Monthly Income (hourly rate X total weekly hours X 4) $____________ b) Deductions (30% of a, or 0.3 X a) $____________ c) Net Monthly Income (a – b = c) $____________ 2. Monthly Expenses & Savings a) Food (lunch on campus; pizza out with friends) (Estimate: $25/week) $____________ b) Clothes & Entertainment (movies, sweatshirt) (Estimate: $20/week) $____________ c) Savings (for emergencies and unexpected expenses) (Estimate: $20/week) $____________ d) Total Weekly Expenses & Savings (a + b + c = d) $____________ e) Total Monthly Expenses & Savings (d x 4) $____________ 3. Monthly Balance (“Car Budget”) (income – expenses, or 1c – 2e) $____________ © 2010 Roads to Success. For information on re-use under our Creative Commons Attribution Non-Commercial Share Alike license, visit www.roadstosuccess.org. 169
Grade 11, Money Matters 4: Paying for a Car Student Handbook, How Much Can You Afford? Part 1: Your Monthly Car Payments How Much Can You Afford? Now that you’ve figured out your “Car Budget,” complete the chart below to figure out how much you actually have to spend on car payments – after all those operating expenses. Subtotal a) Monthly Car Budget (from previous worksheet) $____________ b) Operating Expenses (gas, maintenance, insurance) (33% of a, or 0.33 X a) $____________ c) Monthly Balance for Car Payments (a – b = c) $____________ Part 2: Your Car’s Value Now let’s see what car value you can afford based on those monthly payments. Let’s say you found a 36-month loan with a 5% interest rate, and you have $500 for a down payment. The chart below shows how your monthly payment translates to the car’s value. Find your monthly payment at the bottom of the graph. Find your vehicle’s value on the left. About how much can you spend on a car? Answer: __________________________________ SOURCE: www.consumerreports.org © 2010 Roads to Success. For information on re-use under our Creative Commons Attribution Non-Commercial Share Alike license, visit www.roadstosuccess.org. 170
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Facilitator’s Guide: Grade 11 200
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Dear Educator, Every effort has bee
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Facilitator Guide Grade 11 Table of
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PLANNING PYRAMID GRADE 11, Unit 1,
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Grade 11, Introduction 1: Introduct
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Introduction to aCT/saT (saT versio
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❑ For Activity IV, SAT FAQs, talk
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Grade 11, Taking Tests 1: Introduct
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Grade 11, Taking Tests 2: SAT Pract
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saT Registration The BIG Idea Appro
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www.collegeboard.com/student/testin
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Grade 11, Taking Tests 3: SAT Regis
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scores, throughout the registration
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Grade 11, Taking Tests 4: Workforce
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Introduction to aCT/saT (aCT Versio
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❑ For Activity IV, Getting into t
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Grade 11, Taking Tests 2: ACT Pract
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aCT Registration The BIG Idea Appro
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❑ To familiarize yourself with th
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I. Warm Up: ACTing Ahead (5 minutes
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create an account, your name will a
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6. High School Courses SAY SOMETHIN
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Grade 11, Taking Tests 3: ACT Regis
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Grade 11, Taking Tests 3: ACT Regis
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Workforce and adult education Tests
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IMPLEMENTATION OPTIONS ............
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we’ll take a look at a few tests
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SKILLS CHECKLIST Direct students’
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CAREERS Lesson Descriptions UNIT 3
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Roads to Success is a new program d
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Grade #, Unit Name #: Lesson Title
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Grade 11, Careers 1: Interest Inven
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Grade 11, Careers 2: My Career Rese
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My Career Choice: Just Right or Ret
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Grade 11, Careers 3: Career Choice:
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JOB SHADOW Lesson Descriptions Job
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Grade #, 11, Unit Job Name Shadow #
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Grade 11, Job Shadow 1: Introductio
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Grade 11, Job Shadow 2: Creating Re
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Grade 11, Job Shadow 4: Workplace B
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Grade 11, Job Shadow 5: Information
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Informational Interview II The BIG
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• Reveals initiative, eagerness,
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• What are some of the company's
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Reflection & Thank You Note The BIG
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IMPLEMENTATION OPTIONS ............
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Grade 11, Job Shadow 7: Reflection
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If you confirmed that the career yo
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Choosing Courses for Senior Year Th
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Grade 11, Education After Grade Hig
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Grade 11, Education After High Scho
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Other Educational Paths The BIG Ide
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Choosing a College The BIG Idea 5 E
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Research II The BIG Idea 7 EDUCATIO
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Research III The BIG Idea 8 EDUCATI
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Letters of Recommendation The BIG I
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Understanding Credit The BIG Idea
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Grade 11, Money Grade Matters #, Un
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Grade 11, Money Matters 1: Understa
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Grade 11, Money Matters 1: Understa
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Facilitator's Guide: - College in Colorado

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