1. Tanya is 25 and has the following income and expenses on a monthly basis.

Item Description	Amount
Income Retirement savings Housing Transportation Food Taxes Credit card payments Car payment Entertainment Surplus/Deficit	$4,400 400 800 250 400 900 300 330 900

1.a. What is Tanyas income surplus or deficit?

4

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1.b. What is Tanyas Savings Ratio?

4

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1.c. What is Tanyas total Debt-to-Income Ratio (consider housing and car payments in this case and any other appropriate debt as a debt payment)?

4

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