Steve and Jane Ibarra have been married for over two years. They have been trying to save for a down payment on a house, but they feel that there is never anything left over to save. They talked with their parents who suggested that they prepare an incame and expense statement.

Steve and Jane put together the following worksheet:

$\backslash$table$[[$Car payment,Worksheet,$539],[$$$820,$Savings account interest$],[$Steve$\text{'}$s commission,$5,525,$Schoolloan,$380],[$Commuter train pass $($year$),6,600,$Taxes,$],[$IBM dividend,$163,$steve,$6\mathrm{.}750],[$Renter$\text{'}$: Insurance $($year$),660,$Jane,$6,413],[$Central Maine Power bill,$220,$Wages & salaries,$],[$T$-$Mobile bill,$209,$seve,$37,500],[$Rent$,1,100,$tane$,35\mathrm{.}625]]$

The following is some additional information.

For income items, they knew yearly amounts. For expenses, in some ca:es they knew the annua amcunt $($for evamole tanes commuter train pass$),$ They listed those amounts and noted them $==$ such.

Unfortunatel, for other expenses, thev provided as: month: szeynert: stating that the amount didn: change nuch fiom month to month. $($combined$)$ S tintes during the vear

Jane estimated trat she spends abcut $z400$ a monzh or cothing an$=$ s$440$ a month on gracerisa,

credit for the particufler kamet:

Income and Expense Statement:

Name $($S$)$: Steve and Jane Ibarna

For thei Year I Ended: December $31,20xx$

$(2)$ Total Expenses:

Cash Surplus or Deficit $$1-$

: