Prepare a monthly and yearly budget for Cathy Kudyrko, using Figure 4.2 as a model. Her monthly income and expenses are as follows:

net pay, $1,400; rent, $410; insurance, $60; utilities, $50; gasoline, $60;

clothing, $60; entertainment, $100; savings, $120; prepaid cell phone,

$15; car payment, $150; car repairs, $20; groceries, $150; miscellaneous,

$155.