Suppose that on January 1, you have a credit card balance of $600.00. On January 10, you purchase a new Netflix subscription for $21.00. On January 12, you return an item to Bath & Body Works for a credit of $22.50. On January 22, you make a payment of $350.00 . On January 25, you make a purchase at Walmart of $87.00. The annual interest rate on your credit card is 0.21. Calculate the finance charge for January that will appear on the next month's statement, using the average daily balance method. Round your answer to the nearest cent. January finance charge.