Jennifer Swartz works as an interior decorator for Modern Fashion Corporation. Her annual salary is $\$ 36,500$. Of that amount, 20 percent is withheld for federal income taxes, 7.15 percent for state taxes, 7.5 percent for FICA taxes, and 2 percent as a con tribution to the United Way. Another 5 percent is deposited directly into a company credit union for savings. Jennifer has four monthly payments: $\$ 225$ for her car. $\$ 80$ for furniture, $\$ 410$ for rent, and $\$ 100$ to repay college loans. Jennifer's other monthly expenses will be approximately:

Prepare both a monthly budget and an annual budget for Jennifer that identifies gross salary, net take-home pay, net disposable income, and net surplus or deficit.

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Food expense $250 Clothing expense.. 100 Utilities expense. Entertainment expense.. Insurance expense. 125 80 30 Gas and maintenance expenses on car 180 Miscellaneous expenses.. 200 Total.. $965