The Get A Life Project - Weebly



The Get A Life Project

Introduction

You have just graduated from high school! Congratulations!

You are about to step into the world of college, jobs, housing, cars, and a budget!

This project will be introduced over the next few weeks. Every few days we will explore a new aspect of the life you are going to build. You will begin by exploring your college options. After graduating from college, you will need to find a job, buy or rent a house or apartment, furnish your new home, buy a car, and plan a budget to pay for it all. And once you are established in your new life, you will want to take a vacation!

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The Get A Life Project

You have graduated from high school and are ready to go on to college! This might be a four-year school, or a 2-year “Junior College” program, or some kind of trade school or specialty school. Don’t worry if you plan to enter the service, take a couple of years off to work or travel, or just have no idea what you will want to do by then. This program will show you how to explore your college education, no matter when you end up going for it! First, look at what’s available:

A. GO TO COLLEGE!

1. Go to

2. Before you start your search, click on the section, “College Planning” and “Pay for College” to see if you qualify for any scholarships. You’ll be surprised!

a. Click “Scholarships and Grants” and then “Scholarship Search.”

b. Click “Start” in the middle of the page, and fill in your basic information.

c. Click “See Results” at the bottom of the page.

d. You’ll get 30-75 different scholarships which are available to you.

1. Write down the names of five scholarships on your College Search Form.

3. Now go to the section, “Find A College.”

a. Click on “Finding Your College Fit” and “College Search” and fill in choices under each of the ten filters on the left side. (Type of School, location and so on)

b. Write the names and locations of five possible colleges on your College Search Form.

4. Pick a Major.

a. Go to “Explore Careers” and click “Major and Career Search”

b. Choose three possible majors and write them on your College Search Form.

NOTE: has TONS of information to help you choose a college major, a college, and a career. Put this web site on your Bookmarks and refer to it often as you make your way through high school and toward college.

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College Search Form



COLLEGE WORKSHEET

SCHOLARSHIPS:

Name of scholarship Sponsor Award Amount

1. _________________________________________________________________________________

2. _________________________________________________________________________________

3. _________________________________________________________________________________

4. _________________________________________________________________________________

5. _________________________________________________________________________________

COLLEGES:

Name of college Location

1. _________________________________________________________________________________

2. _________________________________________________________________________________

3. _________________________________________________________________________________

4. _________________________________________________________________________________

5. _________________________________________________________________________________

POSSIBLE MAJORS:

1. _________________________________________________________________________________

2. _________________________________________________________________________________

3. _________________________________________________________________________________

WHAT WILL BE YOUR DEGREE MAJOR? ______________________________

JOBS SEARCH AND SEARCH RESULTS FORM

Now it’s time to find a job. Look for work in your college degree field, list some possible jobs, and choose one. You will need to submit a resume to your potential employer.

NAME: ___________________________ DEGREE MAJOR: ________________________

B. GET A JOB!

1. Please look for your new job on this web site:

a.

1. go to Find Jobs under the heading and scroll down to “target your job search here”

a. CHOOSE: SEARCH BY LOCATION

1. Under location type in Virginia (or any other state you like)

2. Choose an industry based on your college degree

3. Under Job Categories choose ENTRY LEVEL (you don’t have experience yet.)

4. Choose a Job Category if you would like

5. Choose a degree you are planning on earning.

6. Check Full Time only

7. fill in the Jobs Search Form, below:

List 5 potential jobs you got from

NAME OF COMPANY JOB TITLE LOCATION SALARY (if given)

1. _________________________________________________________________________________

2. _________________________________________________________________________________

3. _________________________________________________________________________________

4. _________________________________________________________________________________

5. _________________________________________________________________________________

B. WHICH JOB DID YOU DECIDE TO TAKE? _____________________________________

1. Full address: (company, city, state) _____________________________________

C. YOUR MAJOR: __________________________ YOUR STARTING SALARY: $ ____________

(from SALARY WORKSHEET, next page)

GET A LIFE: Salary Worksheet

What is your GROSS yearly salary?

The job you choose will typically show a salary range. You may assume a starting salary according to your major:

(taken from , 2010)

|Best Undergrad College Degrees By Salary |Starting Median Salary |Mid-Career Median Salary |

|Aerospace Engineering |$59,600 |$109,000 |

|Chemical Engineering |$65,700 |$107,000 |

|Computer Engineering |$61,700 |$105,000 |

|Electrical Engineering |$60,200 |$102,000 |

|Economics |$50,200 |$101,000 |

|Physics |$51,100 |$98,800 |

|Mechanical Engineering |$58,900 |$98,300 |

|Computer Science |$56,400 |$97,400 |

|Industrial Engineering |$57,100 |$95,000 |

|Environmental Engineering |$53,400 |$94,500 |

|Statistics |$48,600 |$94,500 |

|Biochemistry |$41,700 |$94,200 |

|Mathematics |$47,000 |$93,600 |

|Civil Engineering |$55,100 |$93,000 |

|Construction Management |$53,400 |$89,600 |

|Finance |$48,500 |$89,400 |

|Management Information Systems |$51,900 |$87,200 |

|Computing and Information Systems |$50,900 |$86,700 |

|Geology |$45,100 |$84,200 |

|Chemistry |$42,900 |$82,300 |

|Marketing |$41,500 |$81,500 |

|International Relations |$41,400 |$80,500 |

|Industrial Technology |$49,500 |$79,600 |

|Environmental Science |$43,300 |$78,700 |

|Architecture |$42,900 |$78,300 |

|International Business |$41,900 |$77,800 |

|Accounting |$46,500 |$77,600 |

|Political Science |$41,300 |$77,300 |

|Urban Planning |$43,300 |$77,000 |

|Philosophy |$40,000 |$76,700 |

|Information Technology |$49,400 |$75,200 |

|Zoology |$37,000 |$74,400 |

|Occupational Therapy |$61,300 |$73,400 |

|Microbiology |$39,800 |$73,200 |

|Business Administration |$42,900 |$73,000 |

|Business Management |$43,300 |$72,100 |

|Advertising |$36,900 |$71,800 |

|Biology |$39,500 |$71,800 |

|Film Production |$38,200 |$71,800 |

|Landscape Architecture |$43,100 |$70,800 |

|History |$38,800 |$70,000 |

|Health Sciences |$37,800 |$69,600 |

|Geography |$40,400 |$69,300 |

|Nursing |$54,900 |$69,000 |

|Communications |$38,700 |$68,400 |

|Radio and Television |$34,000 |$67,000 |

|English |$37,800 |$66,900 |

|Agriculture |$40,900 |$66,700 |

|Hotel Business Management |$37,400 |$66,400 |

|Journalism |$36,300 |$65,300 |

|Forestry |$39,700 |$64,200 |

|Anthropology |$37,600 |$63,200 |

|Fashion Design |$36,700 |$62,800 |

|Public Relations |$36,700 |$62,600 |

|Art History |$36,300 |$62,400 |

|Health Care Administration |$37,900 |$61,000 |

|Psychology |$36,000 |$61,000 |

|Interior Design |$35,700 |$59,900 |

|Human Resources |$37,800 |$59,600 |

|Graphic Design |$36,000 |$59,400 |

|Criminal Justice |$35,900 |$59,300 |

|Medical Technology |$46,600 |$58,400 |

|Foods and Nutrition |$41,700 |$58,200 |

|Sociology |$36,500 |$57,900 |

|Religious Studies |$35,300 |$57,500 |

|Drama |$35,600 |$56,600 |

|Fine Arts |$35,800 |$56,300 |

|Hospitality and Tourism |$37,000 |$54,300 |

|Education |$36,200 |$54,100 |

|Horticulture |$37,200 |$53,400 |

|Spanish |$35,600 |$52,600 |

|Music |$34,000 |$52,000 |

|Theology |$34,800 |$51,500 |

|Elementary Education |$33,000 |$42,400 |

|Social Work |$33,400 |$41,600 |

NET SALARY WORKSHEET

Now you must calculate your NET salary:

a. Write your STARTING SALARY here: $______________________

b. Multiply this number by .7 to subtract taxes: x 0.7

c. Write the result here: $ ______________________

This is your NET YEARLY SALARY.

d. Divide this number by 12 to get your MONTHLY SALARY: $ _________________

e. Enter this amount on your BUDGET SHEET under

INCOME: MONTHLY SALARY

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C. GET A CAR

1. Decide how much you can spend on a car:

a. write your monthly net salary (gross minus taxes) $ _______________

(line (d) from your Net Salary Worksheet)

b. calculate 12% of this amount (net X .12) $ _______________

(This is the maximum you should consider spending on car payments per month.)

2. Go to to look for a used or new car.

a. Click on “Finance” on the bar across the top of the page.

b. Go to “Calculate Vehicle Price” and put the amount from (b) above in the blank.

c. Click “Check Price.”

d. Fill in these blanks:

Leave “Down Payment” and “Trade In Value” zero.

Sales Tax: 3 %

Leave “interest Rate” at 3.09% and “Term” at 36 months.

e. Click “Update Price.”

f. This will give you in “Vehicle Price” the amount you can spend for a car.

1. Write your MAXIMUM VEHICLE PRICE here: $ ______________

g. Now click “Used Cars” or “New Cars” and fill in your desired make and model.

h. Fill in your zip code (Godwin is 23238) and choose a “Search Within” distance you would be willing to go to look at a car.

i. If you don’t get any results, you will have to change either your car, your search radius, or your desire for a NEW car to a used one.

j. When you find a car which you can afford, fill out the details in the Car Search Report.

3. Remember that your car insurance will cost you at least $150 per month, and that gas is about $3.20 per gallon. You will need to pay attention to your car’s gas mileage.

CAR SEARCH REPORT

MAKE MODEL YEAR DEALER LOCATION PRICE

___________________________________________________________________________________

___________________________________________________________________________________

___________________________________________________________________________________

___________________________________________________________________________________

___________________________________________________________________________________

___________________________________________________________________________________

D. GET A HOUSE

1. First, calculate how much you can afford monthly for housing.

a. Take the NET MONTHLY INCOME from your budget: $ ____________

b. Multiply that by .3: $ ____________

That is the payment you can afford for a house per month.

d. To get a rough estimate of what you can afford to pay for a house, multiply the amount you can pay per month by 150: $ ____________

e. This is the price range you need to be in. Write this number here:

WHAT I CAN AFFORD TO SPEND ON A HOUSE: $ ____________________

2. Next, look for a house

A. To buy a house:

a. Go to

b. Fill in city and state where you found a job.

c. Fill in the price range (the low number = $500, the high number = WHAT I CAN AFFORD)

d. You can fill in beds, baths, or property types if you want.

e. Click SEARCH HOMES.

f. Choose five houses you can afford and write the details on the House Search Form.

HOUSE SEARCH FORM

ADDRESS (STREET, TOWN, STATE) PRICE Tax Amt. BEDRMS BATHRMS

1. _________________________________________________________________________________

2. _________________________________________________________________________________

3. _________________________________________________________________________________

4. _________________________________________________________________________________

5. _________________________________________________________________________________

RENT AN APARTMENT, HOUSE, CONDO, ETC.

Before you decide whether it makes more sense to rent or buy your living space, you’ll need to compare the costs of each option.

A. Write your monthly maximum available for housing here (from GET A HOUSE, part 1):

$ ___________________

B. Write the PRICE of the house you have chosen: $ ___________________

1. Go to

2. Fill in your HOME VALUE and LOAN AMOUNT (these should be the same).

3. Leave all other values as they are (interest rate, term, start date, tax rate, PMI)

4. Click CALCULATE

5. Scroll down to MORTGAGE REPAYMENT SUMMARY on right.

C. Write the MONTHLY PAYMENT amount here: $ ___________________

YOU WILL NEED TO COMPARE THIS MONTHLY PAYMENT TO YOUR RENT IN ORDER TO DECIDE WHICH HOUSING CHOICE IS BETTER FOR YOU.

D. Go to

E. Find the STATE and CITY (or nearby) where you will be working. _________________________

(city and state)

F. Look under HOUSING and click APTS/HOUSING (don’t choose other options).

G. Set some search parameters if you wish and choose 5 apartments near where you work.

DON’T PICK AN APARTMENT WHICH COSTS MORE THAN YOU CAN AFFORD.

(the amount in A, above.)

MY POSSIBLE APARTMENTS

ADDRESS TOWN STATE BR/BA RENT/MONTH

1. __________________________________________________________________________________

2. __________________________________________________________________________________

3. __________________________________________________________________________________

4. __________________________________________________________________________________

CHOOSE YOUR CAR WORKSHEET

Calculate your gas and car maintenance costs:

a. How far do you have to drive to and from work every day? ____________ miles

(Estimate the distance from your workplace to the house you just bought, or the apartment you just rented.)

b. You may get a general idea of the GALLONS OF GAS you will need PER MONTH by using the number of miles you commute per day. (This assumes you are driving a car which gets 25mpg, more or less, and working 25 days per month, more or less.)

d. Multiply this number by $3.25 (cost of gas per gallon) $ _______________

e. Add (d) to $50 per month average maintenance: $ _______________

f. Write the maximum amount you can spend per month on a car:

(take this from your GET A CAR page) $ _______________

g. Add (e) and (f): $ _______________

THIS IS THE TOTAL AMOUNT YOU COULD SPEND PER MONTH ON YOUR CAR.

2. You will now need to decide how much you are WILLING to spend on your car per month.

a. Look at your GET A CAR page.

b. Go to

c. Enter loan details for each car you are considering:

(no down payment, no trade-in, 3.09 % APR, 36 months, sales tax 3%)

d. Choose a car based on this monthly payment PLUS your maintenance costs

(in (e) above)

3. What car did you decide to buy?

MAKE __________________ MODEL _________________ YEAR _________

TOTAL COST: $ ____________________ MONTHLY PAYMENT $ ________________

4. Enter your monthly CAR PAYMENT in your budget and subtract it from your running total.

5. Enter the amount in (e) above in CAR GAS & MAINTENANCE and subtract if from your running total.

6. Enter $150 in CAR INSURANCE in your budget and subtract it from your running total.

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FURNISH YOUR HOUSE OR APARTMENT

Good news! Your parents have given you $2500 as a graduation present! You may want to go to Hawaii, but you will need to furnish your house or apartment, and you have no savings, so think about using at least some of this money. Your parents do NOT want you to take any furniture out of their house!

A. Go to , , or .

1. At Sears you can get appliances. You’ll need a stove and refrigerator, and you might be able to afford a washer and dryer.

2. If you just don’t have enough money for what you want, you can apply for a VISA card and put it on that.

a. VISA gives you a credit line of $1500.

b. Your interest rate on the VISA card will be 10%. See the worksheet below to figure your monthly payment for the VISA card.

B. Pick out at least the basic furniture you’ll need:

1. Bed, and dresser for each bedroom

2. Dining room or kitchen table and chairs

3. Bookcases, couches, coffee tables, chairs, etc., for the living room

4. TV and any other electronics you want

5. Don’t forget sheets, blankets, and towels

6. You will also need pots & pans, silverware, dishes, glasses, cups, etc.

(try )

VISA worksheet

Total amount you are charging to VISA: ($1500) ________________

15% of that to get your yearly interest: ($ 225) ________________

Plan to pay this off in two years (24 months), so you will

double your yearly interest: ($450) ________________

Add interest to principal to get your

TOTAL PAYMENT ($1950) ________________

Divide by 24 (months)

to get your monthly minimum payment: ($ 81.25) ________________

Double or triple that to get what you need to pay per month

in order to pay off the VISA

Total VISA payment per month: ($162.50) _______________

(AMOUNTS IN PARENTHESES ARE BASED ON YOUR SPENDING ALL YOUR VISA CREDIT.

YOU NEED TO ADJUST THESE NUMBERS IF YOU SPEND LESS)

Vacation Break!!!

Yay! You’ve worked hard and your company has decided to give you two weeks’ vacation!

But you don’t have any savings yet, so you’ll have to put it on VISA.

BUT, your VISA already has all that money you’ve spent on furniture and appliances. You call VISA and ask for an increase in your credit line.

VISA agrees to give you a credit of an additional $500.

1. What is left of the $2500 your parents gave you for furniture? $______________

2. What is left of your $1500 credit on VISA? $______________

3. Add these together: $______________

4. Add $500 for your credit limit increase: $______________

This is what you can spend on your vacation. You don’t have to spend it all! Remember that you have to pay interest on whatever money you borrow.

1. Think about where you would like to go on vacation: take a cruise, Hawaii, Disney World, Paris, New York City, Africa, visit your grandparents back east, Mexico, wherever.

A. Go to each of these web sites to plan your trip:

a.

b.

c.

B. Also Google your desired destination and visit at least two sites which specialize in that area.

(for instance, to visit Hawaii, you might check )

C. Check the package resellers like Suntrips and Pleasant Hawaiian Holidays for Hawaii and Mexico: ,

D. Visit airline sites to check specials and flights: , ,

2. If you plan your trip on your own, you might have to make separate arrangements for hotels and a car to rent.

A. Go to for a hotel, or look at the hotel link on the destination web site.

B. Go to , or , for a car rental.

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Vacation Worksheet

A. Where I went for my vacation: _____________________________

(attraction, city, state, country)

1. Where am I living? ___________________________

(city and state)

1. How far did I travel from home? ______________miles

B. How much did it cost?

1. TRAVEL TO VACATION DESTINATION AND BACK: choose method of travel

a. airline ticket: Airline: ______________ Cost RT: $______________

b. train ticket: Cost RT: $______________

c. bus ticket: Bus line: _____________ Cost RT: $______________

d. car expenses (miles/25 times $3.25) Cost RT: $______________

2. HOTEL

a. What is the name of your hotel? _________________________

b. How many days did you stay? _________

c. What is the cost per day? $________

b. lodging costs (cost per day times days) $______________

3. CAR RENTAL (if you rented a car)

a. What is the name of the car rental agency? ___________________

b. What kind of car did you rent? ____________________________

a. How many days did you rent a car? _______

b. What was the cost per day? $________

a. cost per day times days $______________

4. ENTERTAINMENT

a. What did you do? (Disneyland, camping, zip-line, etc.)

___________________________________________________

b. how much did it cost? (total entertainment) $______________

5. FOOD

a. How many days long was your vacation? ___________

a. number of meals eaten times $10 (at least 2 per day) $______________

6. SOUVENIRS, ETC.

a. how much did you spend on this? $______________

C. TOTAL COST OF VACATION; (add all costs together) $______________

D. HOW MUCH DO I HAVE LEFT? (if anything)

1. Amount you had to spend on vacation (from line 4 on front page) $______________

2. Subtract cost of vacation (C, above): TOTAL LEFT $______________

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