Rachel is

IN THE HOUSE!!!

We are so happy to have you home!

We are so happy to have you home!We want you to stay!

We are so happy to have you home!We want you to stay!You have been great so far!

Financial informationFor Rachel, beginning July 10, 2015

The earnings from you weekly paycheck will be split up into four categories:

The earnings from you weekly paycheck will be split up into four categories:

The four categories will be:

The four categories will be:

cell phone

The four categories will be:

cell phonedebt

The four categories will be:

cell phonedebtsavings

The four categories will be:

cell phonedebtsavingsspending $$

The money will be divided as follows:

The money will be divided as follows:

cell phone $ 20 (off the top)

The money will be divided as follows:

cell phone $ 20debt 50%

The money will be divided as follows:

cell phone $ 20debt 50%savings 30%

The money will be divided as follows:

cell phone $ 20debt 50%savings 30%spending $$ 20%

Based on a weekly check that clears $220, you will have:

Based on a weekly check that clears $220, you will have:

cell phone $ 20

Based on a weekly check that clears $220, you will have:

cell phone $ 20debt $ 100

Based on a weekly check that clears $220, you will have:

cell phone $ 20debt $ 100savings $ 60

Based on a weekly check that clears $220, you will have:

cell phone $ 20debt $ 100savings $ 60spending $$ $ 40

CELL PHONE

$20 goes towards your monthly cell phone bill.

When you have paid off your debt and are no longer paying it off, you will have a category called Living Expenses. This will cover your cell phone bill plus room and board. You are not paying anything for this prior to that in order to even things out with Erin.

DEBT

Amount owed to MamaCat:

Amount owed to MamaCat:

Rent & security (first month at Iroquis) $ 850Living expenses for May & June $ 1,550June rent $ 600Last utilities & lost key $ 90Cigarettes $ 48

Amount owed to MamaCat:

Total = $ 3038

Amount owed to MamaCat:

Based on paychecks clearing $220, the following will take place…

You will pay $100 per week to pay off this debt.

You will pay $100 per week to pay off this debt.

You will pay $100 per week to pay off this debt.

30.3# of weeks to fully

pay off debt

You will pay $100 per week to pay off this debt.

30.3# of weeks to fully

pay off debt

7.3# of months to fully

pay off debt

You will pay $100 per week to pay off this debt..

30.3# of weeks to fully

pay off debt

7.3# of months to fully

pay off debt

Feb. 19Approx. date your

debt will be paid off

You will pay $100 per week to pay off this debt..

30.3# of weeks to fully

pay off debt

7.3# of months to fully

pay off debt

Feb. 19Approx. date your

debt will be paid off

When the debt is paid off, we will reevaluate these numbers. If all has been going as expected, we will begin discussing the

possibility of driving.

SAVINGS

Amount (based on a $220 paycheck) put into savings weekly= $60

Amount (based on a $220 paycheck) put into savings weekly= $60

Time you’ve been saving

Amount saved

1 week $ 602 weeks $ 1204 weeks $ 2402 months $ 4804 months $ 9607.3 months $ 2,680

Time you’ve been saving

Amount saved

1 week $ 602 weeks $ 1204 weeks $ 2402 months $ 4804 months $ 9607.3 months $ 2,680

After 7.3 months you will have finished paying off your debt!

Savings will be used when you are ready to move out and live on your own, whenever that is. It will cover as much rent as possible, plus your first month’s rent.

Savings will be used when you are ready to move out and live on your own, whenever that is. It will cover as much rent as possible, plus your first month’s rent.

This money cannot be taken out prior to your move-out date, whether you live here for one year or two years.

What if I work more hours and make more $$$

The more you work…

• The sooner you pay off your debt• The more you save• You will have more spending money

SPENDING $$$

Amount of spending money per week = $40

Amount of spending money per week = $40

Amount of spending money per week = $40 (based on take-home-pay of $220)

What can I buy with my spending $?

WEEKLY ($40)

What can I buy with my spending $?

WEEKLY ($40)

What can I buy with my spending $?

WEEKLY ($40)

What can I buy with my spending $?

WEEKLY ($40)

or

What can I buy with my spending $?

WEEKLY ($40)

or

or

But those are lousy examples because you really should quit smoking!

WEEKLY ($40)

or

or

(On sale)

And that means each month you can buy…

Monthly ($160)

Spending $ tips:

• If you want to smoke (not while at home), you have to buy your own cigarettes.

Spending $ tips:

• If you want to smoke (not while at home), you have to buy your own cigarettes. (I do want you to work towards quitting)

Spending $ tips:

• If you want to smoke (not while at home), you have to buy your own cigarettes. (I do want you to work towards quitting)• If you want to buy a coffee instead of making one at home, you will

have to use this money

Spending $ tips:

• If you want to smoke (not while at home), you have to buy your own cigarettes. (I do want you to work towards quitting)• If you want to buy a coffee instead of making one at home, you will

have to use this money• You can save leftover $ from one week to use the next week

Spending $ tips:

• If you want to smoke (not while at home), you have to buy your own cigarettes. (I do want you to work towards quitting)• If you want to buy a coffee instead of making one at home, you will

have to use this money• You can save leftover $ from one week to use the next week• If you want to purchase an item that is costly, save part of your

weekly spending money until you have enough

Spending $ tips:

• If you want to smoke (not while at home), you have to buy your own cigarettes. (I do want you to work towards quitting)• If you want to buy a coffee instead of making one at home, you will

have to use this money• You can save leftover $ from one week to use the next week• If you want to purchase an item that is costly, save part of your

weekly spending money until you have enough• For example, if you spent only half of your spending $, you would be able to

afford the trip to Florida in approximately November.

Spending $ tips:

REVIEW

Money will be divided into four parts:Cell phonePaying off debtSavingsSpending $$$

When debt is paid off, we will discuss driving.

Rules

Smoking

• Buy your own cigarettes with spending $$$.• No smoking in or around the house.• No leaving the house just to smoke.• Make a goal for completely giving up smoking.

Sleeping

• Get a minimum of 6 hours of sleep• After 10 pm you should be in your room. No more use of kitchen.

Going out

• Ask. Mama cat should always know where you are.• Come home at designated time.• Do not get drunk/high.• During the school year, you must be home by 11pm Sun – Thurs.• You must be home by 2pm Fri & Sat.• Sleeping over should not happen frequently, but when it does, make

sure you have arranged for a ride home the next morning at whatever time is designated.

Body modification

• Only one new tattoo per year while living here• Stud in lip, no septum at the house• No additional piercings

Self improvement

• Take medications as prescribed• Attend med check appointments• Attend weekly therapy

Personal goals:• clean up after yourself• quit smoking• accepting no as an answer• emotional control• holding back when feeling impulsive• organization (bedroom and personal belongings)• honesty

Dr. Nancy Rivas

Unacceptable…

• Loss of self control in the form of tantrum, raising voice or swearing• Illegal drugs, drinking• Damaging house or household items• Ignoring rules

Recommended:

• Healthy eating for diabetes• Regular exercise (try to get MamaCat in on this one, please)• Attend church or church group (same as above)• Take up a new hobby, join a group or take a fun class

We love having you here!