Sentences with phrase «costs in your monthly expenses»

If you need them (this will happen often in the beginning) because you have an emergency OR because you have forgotten one of the costs in your monthly expenses calculation, then use it.

Not exact matches

If you can rent in your desired area for much cheaper than a mortgage and other housing costs would set you back, you may benefit from renting a while longer and saving or investing the difference in monthly expenses.

That ratio, it bears noting, only compares rent to mortgage costs; it doesn't include the various expenses entailed in home ownership — taxes, maintenance, insurance — that can more than double the monthly outlay.

Pricing Strategy Shaved Ice is a product that yields a considerable profit in terms of cost to produce at $ 0.12 for a small cup to $ 0.30 for an extra large will be offered at the following prices: Small $ 1.50 Medium $ 2.00 Large $ 3.00 X-Large $ 4.00 Break - even Analysis Estimated monthly fixed expenses for a single store including rent, labor and utilities of $ 5,100 would require approximate 80 cups / day sales generating approximately $ 5,550 with a gross profit of $ 5,150.

Debt interest costs are fully tax deductible as a business expense and in the case of long term financing, the repayment period can be extended over many years, reducing the monthly expense.

Despite the cost of monthly student loan payments, many are spending just as much as their less - indebted counterparts, choosing instead to cut back on savings in favor of other expenses.

While 1 % of the population is blessed with inheriting enough wealth to comfortably start their company in the Bay Area, most residents of Planet Earth will have to do a cost / benefit analysis to determine whether being immersed in tech culture is worth a 5x premium in monthly expenses.

Cost tracking has improved my spending efficiency resulting in lower monthly expenses.

I still see so much opportunity for expense reduction in our monthly statements — most obviously in other / household costs and food.

The Sponsor has agreed to assume the following administrative and marketing expenses incurred by the Trust: the Trustee's monthly fee and expenses reimbursable under the Trust Agreement, Exchange listing fees, US Securities and Exchange Commission («SEC») registration fees, printing and mailing costs, audit fees and up to $ [100,000] per annum in legal expenses.

In theory, if the actuarial assumptions hold true going forward and no new benefits are enacted, the amortization costs will eventually disappear (after 30 years, under a typical funding schedule), in much the same way that a homeowner's monthly expenses decline when the mortgage gets paid ofIn theory, if the actuarial assumptions hold true going forward and no new benefits are enacted, the amortization costs will eventually disappear (after 30 years, under a typical funding schedule), in much the same way that a homeowner's monthly expenses decline when the mortgage gets paid ofin much the same way that a homeowner's monthly expenses decline when the mortgage gets paid off.

Let's bottom - line your homeownership costs, from one - time move - in fees to ongoing monthly expenses.

Debt interest costs are fully tax deductible as a business expense and in the case of long term financing, the repayment period can be extended over many years, reducing the monthly expense.

Factor in all of those things, then ask yourself if your monthly income can comfortably cover those costs after covering all of your other expenses.

1) Pay for all variable expenses in cash (groceries, clothing, for, entertainment, blow, and eating out) 2) Pay off all loans 3) Buy cars in cash 4) Keep housing cost to under 1/5 of monthly income 5) SAVE and invest in assets that go up, preferably when the market is down.

However, you'll need to account for the extra cost of FHA mortgage insurance in your upfront and monthly expenses.

In addition to the down payment, you should have at least six months of cash on hand to cover living expenses and monthly housing costs.

Many people these days are becoming quite accustomed to living from one paycheck to another, and while they might be able to manage their finances in order to meet their general monthly living costs, a sudden or unexpected expense may see them in a very difficult financial position.

Most probably I will opt for higher education in 2018 which will cost me around 18 lakh fees (will go for bank loan) + monthly expenses around 8K.

In this calculator, you need to enter your best guess at the monthly costs for property tax, home owners insurance, private mortgage insurance (PMI), homeowners» association (HOA) fees, and other expenses that you and / or your lender want to consider as part of your total «housing expense payment.»

With the high costs of medical care many Americans face significant medical bills in addition to their typical monthly expenses, even for some of those with health insurance.

Key factors in calculating affordability are 1) your monthly income; 2) available funds to cover your down payment and closing costs; 3) your monthly expenses; 4) your credit profile.

This way you avoid adding on mortgage loan insurance fees and you have a much better chance of keeping your current monthly expenses manageable and absorbing future increases in the cost of living.

Make an exhaustive list of all your monthly expenses, excluding your rent, and then add in the major costs that may only occur once or twice a year, such as insurance premiums, holiday and birthday gifts, and trips.

While calculating the cost of bankruptcy may not be difficult, it is different for each person who declares bankruptcy in Canada because the ultimate cost is based on their monthly income, expenses, family size and assets.

In addition to considering the borrower's basic income and expenses — principal and interest, other sources of income, heating costs, property taxes, co-signor income, other monthly debt payments — lenders should look at other factors not normally considered.

Conversely, if there are members of the household who will require many medical services, you should buy into a plan that costs more in monthly premiums, but which offers more comprehensive coverage and lower out of pocket expenses during the course of long term treatments.

For example, if your property's rental income is $ 2,000 each month and it costs you $ 500 in expenses along with a $ 1,200 monthly mortgage payment, then your DSCR would equal 1.25 ($ 2,000 — $ 500 / $ 1,200).

In addition to less money to cover monthly expenses, seniors are at the stage where they are drawing down on their retirement savings and dealing with healthcare costs that often rise with age.

But in return for making an «investment» of a little more than $ 192,000 — the $ 4,000 in delayed monthly benefits multiplied by 48 months, plus cost - of - living adjustments to those payments — they would receive enough added benefits to cover almost all of the gap between income and expenses for the rest of their lives.

I'll sleep better knowing that if I were to lose my job, I won't have to worry much about leaving the house, because my only major monthly expenses are property taxes (which are pretty hefty here in New York, but still less each month for this five - bedroom house than it would cost to rent a one - bedroom apartment in the same town).

The monthly cost and the deductibles are very reasonable especially in light of all of the other expenses that come with owning a pet but it gives peace of mind that you won't have to make health decisions based on if you can afford the treatment.

As you can see from my monthly totals and detailed costs for accommodation, food, transportation and miscellaneous expenses, Guatemala on a budget costs pretty much the same as most countries in SE Asia.

Our total monthly expenses for two people average between # 1500 and # 2000 a month, including flights, insurance, gear, and business expenses (which are pretty low) and that's with spending a significant amount of time in expensive countries like the US, Japan, and Italy, and not trying too hard to keep our costs down.

While I do factor in monthly acupuncture visits and my gym membership, I think of these less as professional maintenance costs, and more like just regular monthly expenses, the same way I budget in service for my car or bike.

To ensure the cost - effective delivery of legal services, a lawyer in private practice needs to: (1) operate in a skilled and efficient manner; (2) keep accurate records of time and costs; (3) maintain communication with the client as the matter progresses; (4) inform the client is there is a need for change in the arrangements concerning the scope of the work or fees and expenses; (5) bill clients monthly or quarterly, or as arranged, but promptly in accordance with the arrangement; and (6) maintain an internal rate schedule justifiable to the consumer, and review it at least annually.

In most cases, the amount of child support that should be paid is determined by the Child Support Guidelines, and will consist of a monthly amount payable according to the Tables published with the Guidelines, as well as additional payments to contribute to the costs of «special or extraordinary expenses» for the children.

Deduction Amount A monthly charge in a universal life policy, deducted from the accumulation value on each deduction day, which is comprised of the cost of insurance charge and any other expense charge shown on the policy summary and any charge for supplemental benefits.

With the right policy in place, monthly expenses, children's education costs, and monthly instalments on a property can be met.

In addition, cost of insurance, monthly charges for any riders, and monthly expense charges for the policy will be waived while claim requirements are met.

Thanks to the high cost of living in some cities, monthly expenses can stack up quickly.

Students forget to factor in other life costs, such as health care, 401K deductions, income taxes, car payments, auto insurance, rent, utility bills, student loans, credit card bills and food expenses into their monthly budget.

A monthly charge in a universal life policy, deducted from the accumulation value on each deduction day, which is comprised of the cost of insurance charge and any other expense charge shown on the policy summary and any charge for supplemental benefits.

However, with rising costs of education, inflation affecting the prices of essential items, increase in the cost of medical and hospitalization expenses, the financial reimbursement received will not be enough to replace the monthly stream of income required for sustenance.

When shopping for plans, individuals must weigh the benefits of lower monthly costs against the potential risk of large out - of - pocket expenses in the case of a major illness or accident.

Policy Administration Charges: These charges are deducted on a monthly basis by cancelling units to recover the expenses incurred by the insurance company in servicing and maintaining the policy like paperwork, cost of sending reminder notices, issuing ulip statements on a regular basis, etc..

Breaking your payments into monthly increments costs the insurance company money in paperwork and labor hours, and that additional expense is passed onto you through small monthly fees; by paying your premiums all at once, you eliminate these fees and reduce your yearly costs.

Because monthly payments cost the insurance company more in personnel and paperwork, that extra expense is typically passed on to you in the form of monthly fees; by paying all at once, you eliminate these fees and lower your yearly insurance costs.

What they really suggest is that anyone wielding some decent gear should consider at least pricing out renters insurance with real quotes, and consider whether working in a small monthly expense is worth covering the cost of replacing, well, all your stuff or most of the good stuff.

Prepare all financial reports, trial balance forecasts, profit and expense statements, and other reports supporting cost control, communicate with all department managers in order to complete daily, weekly, monthly and year - end reports for operations and division management.