Use the following information

Kelly's Salary $47,000 

Nicks Salary $38,000 

Interest on: Savings account 110 

Bonds of Beta Corporation 70 

Food 10,804 

Personal care 1,256 

Primary residence mortgage 235,302 

Home mortgage payment 14,600 

Homeowner's insurance 285 

Property Tax 6,056 

Electricity & Water 458 

Telephone 863 

Cable & Internet 728 

Gas and auto maintenance 650 

Books and magazines 280 

Clothing and other miscellaneous expenses 2,700 

Medical expenses 2,250 

Cost of furniture purchased with charge card on Jan. 1, 2018    2,200 

Amount paid on furniture by Dec. 1, 2018    200 

Toyota Corolla 14,000 

Auto loan payment 4,980 

Student loan balance – Beth 10,905 

Student loan payments – Beth 2,530 

New student loan to cover tuitions and books- Jim 4,936 

Federal income taxes 9,100 

State income taxes 3,720 

Social security and Medicare 6,503 

Health and disability insurance 2,592 

Gift and donation 3,760 

Family vacation 4,200 

Auto insurance 850 

Contribution to emergency fund savings 2200 

Contribution to retirement savings 3600 

Contribution to the checking account 15

What is their savings ratio?