So, for such times you need to have enough funds to enjoy this vacation time of yours. Food. Car Expenses (Line 9) The business portion of your actual car expenses (e.g. Labor Expenses. Do you know the difference? Make a recording of each and every single part of your income and expenses. No matter you are making and wants to make a personal or household budget, these worksheets can help you immensely. Besides, your money goals have to be very much clear. You have to be very attentive and concentrated while making a budget and then keeping a follow up of it. Even more, you get a true picture that how is your financial position going these days and how it will be likely in the future. For example, the median home value is... 2. Click the cell that you want to use to calculate your total in the income column, select the list arrow, and then choose the Sum calculation. Copyright © 2020 avocadoughtoast.com. This budget planning gives you a clear and set path to save more and more. This long list of irregular expenses may help you spot some looming problems in your own budget, so check it against this list and make the necessary revisions. Transportation. It is generally and commonly seen that when one goes for making and planning out his household budget, then he or she experience the phase of this monthly budget cycle. Share with us your tips too and convey to us how they make you a successful budget planner. Food costs associated with work, such as lunches, coffees, etc. Home - Rent or mortgage - Homeowner’s or renter’s insurance - Home warranty - Home maintenance/repairs - Lawn care - Property taxes. On the other hand, for Variables expenses, they are usually and generally non-contractual expenses. (The numbers that follow in this article are based on the Department of Labor data unless another source is cited.). To create a simple monthly budget, you have to keep in mind a few of the important tips. These worksheets help and assist you in determining what can you do with your savings. This guide is all about the tips of making a realistic budget. When you declare business assets as an expense, you usually get a larger deduction. Running a business can be expensive, and the IRS allows business owners, independent contractors and employees to deduct work-related expenses from their taxable income. What you can do is, to sum up, all of your income and also expenses and then you can seamlessly figure out regarding this fact whether you have got a surplus budget at your end or not. Housing. While making a simple budget plan, you have to consider entering all expenses and spending that are related to housing, transportation and also utilities, food, as well as debt payments of yours. Talking about a simple spending plan, it needs a little effort from your side. This is how you can make a monthly budget and it does not need any much effort. If you have to pay car insurance monthly, then include this item in your worksheet. Monthly wireless fees run from $35 to $140 for a family plan, but you could spend as little as $9.99 a month if you want only basic service with no data. They are spendings of transport, food or any of your spendings on entertainment, vacation or on any of the donations. But even if you send your children to public school, you will need money for various fees and school trips. If you want to decrease the level of your financial stress, then it is recommended to go for making a budget plan. Make sure that you never and ever neglect this phase. To find out which expenses are covered by FSAFEDS, select the account type you have from the list below: Do list down all the items that show your personal financial situation. How do You Create a Simple Monthly Budget? Your insurance expenses may be billed monthly or they may be billed annually or quarterly. Allergy and sinus medicine and products (over-the-counter) Allergy medication. Furthermore, it is by making and preparing a budget that you can know in detail about your expenses and then you make a strategy to spend less. The IRS determines which expenses can be reimbursed by an FSA. After adding and entering your fixed expenses, now you have to add all your common monthly expenses. General business operating expenses are everything you spend in the course of managing your company. The purpose of making and doing a monthly budget planning, it is to have a budget surplus at your end. You need to trace and track down all possible changes. It is not at all a daunting task to do. The list of company expenses can be varied and long, and generally the larger the company, the greater the expenses. Everyone’s gotta eat—and most spend an average $660 on monthly groceries and eating out. It is this income that you are going to spend and save as well. Place every monthly expense in one of these buckets: needs, wants and savings/debt repayment. You need to make a budget before your month starts. Here’s What 6, 7, 8 and 9 Figures Actually Means! Health insurance, auto insurance (use “Car Expenses” or Add Mileage), disability insurance. Possible Expenses. Repair costs such... 2. Moreover, through these sheets, you can track your spending and be in a position to meet and fulfil your financial goals. A gym membership may feel like a must for maintaining your health. The most common tax-deductible expenses include depreciation and amortization, rent, salaries, benefits, and wages, marketing, advertising, and promotion. If you are manually tracking all of your savings and spendings, then that is a pointless act. But your water bill comes out to be lower and you were expecting a high bill in this area. As soon as you determine your income, then you have to put in and place your expenses. Lastly, you have to save a lot for your Large expenses and also for your Semiannual Expenses. An accrual method allows a company’s financial statements, such as the balance sheet and income statement, to be more accurate. You can share with us how you make your monthly budget plans. Interview expense allowances: Any payments made on behalf of a prospective employee during the interview process are deductible business expenses. Transportation accounts are the second-largest budget item for most people, with average monthly expenses of $813, including vehicle purchase and gasoline. You might be able to reduce this amount by foregoing cable. For fixed expenses, they include your house rent, loan repayment as well as your utility bills and salaries. Acne treatments (over-the-counter) Acupunture. Expenses vary by business. The third important point to be considered by you! Furthermore, it is with the help of this variance analysis that you can have an understanding where you have to spend the most and where you have to spend minimum! Let us have a look at some of the best and Basic Monthly Budget Worksheets that may help you out in making a simple and effective budget plan of yours. Generally speaking, firms try to attribute production, marketing and sales expenses to cost of goods sold where possible. Using these worksheets is not at all tough. You can also see a list of all Non-HSA Qualified Expenses. By that, we mean to say that they should be Specific, Measurable and also Actionable, Realistic, and to Time Framed. These expenditures are the same as selling, general and administrative expenses. Knowing the average cost of living can help you identify opportunities in your budget for saving and align your spending with your goals. It will be convenient for you to group and categorize your spending in modes like housing, transportation and also utilities and food. But you must be able to prove these expenses before deducting them. For fixed expenses, they include your house rent, loan repayment as well as your utility bills and salaries. Most probably, it is expected from you to keep a close eye on them. You need to Track Your Spending. O matter, you receive a paycheck two times in a month or three times in a month, you need to pen down these entries. Alternative dietary supplements (for treatment of a medical condition) This is how you can come up with a real expense budget. Advertising Expense - costs of promoting the business such as those incurred in newspaper publications, television... 3. You can still claim items that are less than $2,500 as assets, but some small businesses prefer to claim them as expenses. Generally, monthly bills are payable for them. Cost of Sales - also known as Cost of Goods Sold, it represents the value of the items sold to customers before any... 2. Furthermore, the purpose of using these worksheets, it is to keep an emergency fund on your side. Keep on adjusting your budget plan Throughout the Month. Business Expenses: Any expenses incurred in the ordinary course of business. Maintenance costs such as landscaping or housecleaning help, replacement light bulbs, etc. Do not ever think that making a monthly budget plan is useless. We are eager to hear from your side. You may need to add more to that figure to account for deductibles, co-pays, over-the-counter medicines and other health-care expenditures. Many Companies also reimburse their employees for their telephone expenses. For $14 to $98 a month in premiums, you may be able to head off a big vet bill. It is high time to familiarize yourself with these budget planning worksheets and make it a habit of doing a budget planning monthly. Before you start off with the job of making a budget plan, you have to clearly differentiate right in between your personal and financial goals. It will always be better if you start thinking ahead. You enter in a safe position and see your financial position in a crystal clear manner. Idaho residents pay the least for heat, gas, water, electric cable and Internet at $344 per month, according to Move.org. The ultimate hub of information about personal finance, taxes, and more. Hawaiians pay the most, at $731 per month. There is no need to keep on obsessing and keep on worrying on your excessive spending. Utilities. Enter those fixed expenses whose amount remains the same in every single month. Here we have put up and attached different kinds of worksheets. It can be buying an anniversary gift, purchasing school pictures, going on holidays or applying for some membership fees. If you don’t have employer-based health insurance, you may want to purchase a plan. Your email address will not be published. Keep in mind that your monthly household expenses list will be tailored to your lifestyle. Print Email Write down how much comes in, and where it goes out. The average U.S. household spends $155 per month on apparel, according to the U.S. Department of Labor. You need to pre-decide regarding where you want to see your financial position. Now comes the part of setting up your first budget. This is how you can come up with a real expense budget. More you will practice them, more you are going to become used to them. If you have the answers to these questions, then you can start off making a monthly budget of yours. We have generally seen that personal sources of income are linked to categories of salaries. You need to pre-decide regarding this fact that how much savings are required in a current and present year. Do list down all the items that show your personal financial situation. Moreover, these worksheets will allow you to make a break up of all of your monthly spending right into specific bucket lines. You will be given with itemized list where you can place and keep your expected income as well as the entire list of expenses. 20 Common Monthly Expenses 1. These expenses usually and generally vary every single month. Some financial planners recommend setting aside 10 to 15 percent of your income for retirement, but if you can save even more, you will reach your retirement goals more quickly and have more protection against a market downturn. Utility expenses are the expenses spent on electricity, water supply, heat, gas, and sewer. In these monthly budget planning worksheets, you have to write in every single row and column. You can become debt-free. These expenses are commonly and mainly included with TV streaming services. Moreover, you have to make a budget plan every single month. List These Monthly Expenses in Your Budget. If you use the accrual method of accounting, claim any expense you prepay in the year or years in which you receive the related benefit. It will be great if you start off this job with the fixed expenses of yours. Note down that it will be considered as a “monthly” expense. You will be able to save more and also reduce your excessive spending nature. Most importantly, you need to analyze your earning level and spending habits. We hope that this above-mentioned guide must have conveyed to you as to how to make a sound budget. As an example, your electricity bill came more and it turns out to be opposite likewise you have planned. If you carry the average balance of $5,331. These are ideal worksheets and everyone should have. Like, you never know you feel like going out to any resort during summer vacations. How Much is 6 Figures? Figures on these items are hard to come by, so if you have a specific trip in mind, start scoping out costs and figure out how much you need to save each month to pay for it. Use our list of business expenses to find out: It means that now you need to start off with your variable expenses. Make a list of these larger expenditures and set aside enough every month so that you can pay for them when the time arrives. Different operating expenses accrued for a typical office may include accounting expenditures, insurance costs, payments for property taxes … Remain accurate and precise while making a monthly budget plan. Moreover, it is in this budget that you need to show all of your individual and family incomes. For instance, dog owners would have an entire category devoted to pet care costs. This list of common categories will get you thinking about places money goes where you may not remember right off. Put a new roof on the house in two years? For example, the median home value is $328,200 in New Jersey, but $140,100 in Ohio. Food. This is how you can easily become a successful budgeter. Upon monitoring your personal budget, you will be in a position to make and carry out effective budget planning. So, get a complete understanding of it. The next step in setting up a budget is to list your monthly expenses. At a minimum, keeping three months' worth of expenses on hand can see you through tough times. Through these details, you can well predict and make a forecast that how your financial situation is going to be changed in the coming up years. Employees' Pay - You can generally deduct the pay you give your employees for … Through this planning, you can save up money. Lastly, you have to carry out a thorough comparison of your actual spending as well as budgeted expenses. Use This List of Expenses as a Starting Point – Monthly Expenses Vary by Family. It is on this assumption that you need to craft and make your budget plan. Maximum Your Federal Tax Deductions With a 1 or 0. Other Types of Business Expenses. Like, how much you are spending on alimony or child support ad also interest, dividends as well as on rental income. Plan to buy a car every five years? Office Supplies and Expenses on Your Business Tax Return . Most importantly, you have to identify and know about your exact income. if you pay the loan off in five years at 6 percent interest. You get a stipend from sponsors or you may get an allowance from your parents. Written by John WorleyOctober 18, 2019 It is the nonessential and not so important stuff. The earlier you start saving, the longer your money can benefit from the power of compound interest. Housing. Refer to Publication 463, Travel, Entertainment, Gift, and Car Expenses. Renters’ insurance is about $17 a month, and homeowners is roughly $35 a month for every $100,000 in home value. Alcoholism treatment. The word budget may have taken on a slightly negative connotation over the years, invoking an image of pinching pennies or limited spending. Through this budget planning phase, you will come to know whether your financial condition is at the safe end zone or not. When you are involved in the phase of making a budget, then you have to keep a close eye on your Actual Income and all kinds of Expenses. If you carry the average balance of $5,331 and pay 15 percent interest, you could pay the card off in a year with monthly payments of $481.12. Upon making the first budget, you can then copy the format for the rest of the months. A personal or household budget is an itemized list of expected income and expenses that helps you to plan for how your money will be spent or saved, as well as track your actual spending habits. Health insurance costs differ dramatically depending on your age, where you live and on personal characteristics such as whether you smoke. $35 a month for every $100,000 in home value. Include business expenses under the revenue section, and deduct them to arrive at your net profit or loss. Business expenses list. Now, you have come to know the real purpose and actual benefit offered by Basic Monthly Budget Worksheets. Auto - Car payment - Fuel - Auto insurance - Tires and maintenance - Tag/registration. 1. To track all of your expenses and save a lot. While making a budget, you have to keenly and thoroughly assess and analyze your Personal and Financial situation. It was a daunting task to think about what my expenses would be for the next twelve months. You can use your FSA funds to pay for a variety of expenses for you, your spouse, and your dependents. It will be easy for you to calculate your expenses. Finally, you need to add up the discretionary expenses. Cost-of-living calculators can help you adjust your budget estimates based on your location. From A to Z, every item and service deemed eligible for tax-free spending will be here, complete with details and requirements. For many people, they find this habit of making monthly budget planning a messy and tiring job for them. The average American household spent $61,224 in 2018, or $5,102 a month. Depending upon the company policy telephone expenses are charged to Profit and loss account. For doing this monitoring, you have to keep a proper record and all track of your expenses and income. The Complete FSA Eligibility List. Here it is - the most-comprehensive FSA eligibility list available on the web. Whether you’re creating a new budget or refreshing an old one, you’ve probably noticed how important (and difficult) it is to get your monthly expenses right. Three months of expenses would suggest having a rainy-day fund of $15,306. Here is a list of categories to include in your fixed expenses: Mortgage (s) Rent Property taxes (if paying monthly) Strata fee / condo fee House / tenant insurance Utility bills (cable, cell, electricity, water, etc.) You can buy term life insurance starting at about $13 per month. Your costs will vary significantly depending on where you live. So, what are some common small business expenses? Only then, you will be able to prioritize your specific and particular goals. For these borrowers, the 8-week forgiveness period has begun, and they are beginning to plan […] Also Read: OfferUp vs Letgo Comparison Review. Hence, upon making a simple spending plan, you can manage your budget in a mess-free manner. To help you get it right, we’ve assembled a list of the most common average monthly expenses. Elizabeth Renter December 13, 2019. You might be able to cut your expenses depending on your business model and budget. Your costs will vary significantly depending on where you live. If you want to become a great financial planner for your home, then do a budget planning every single month. That amount may sound intimidating, so if you can’t manage that, start smaller. These are the cost incurred on landline or mobile phones. This is a great piece of advice that you can apply if you want to become a successful budget planner. Utilities - Electric bill - Water bill - Gas bill - Phone bill - Internet service - Cable or satellite service. In this preparation phase, you have to keep in mind this important point. Underestimating or missing an expense can throw your spending strategy into disarray, so it’s helpful to have guidance on the budgeting norm. $401 per month in Mississippi to $1,886 in Washington, D.C. you could expect to pay from $180 to $1,156 a month. planners recommend setting aside 10 to 15 percent of your income for retirement, The average American household spent $61,224 in 2018, How to Make a Budget and Support Your New Year’s Goals, The Keys to Small Business Expense Tracking, 12 Must-Have Features of Budgeting Software, 10 Budget Categories That Belong in Your Plan. This is an important and critical point that you have to keep in mind while preparing a personal budget. Like, for making a personal budget, you need to keep this goal in your head that how much you will spend and save in a year. Insurance . Nearly 70 percent of 2018 graduates took out student loans, with an average of $29,800 in borrowing. In addition, you can set Short term goals too. Also Read: White Rock Loans Review: Personal Loans Up To $5,000. Hence, keep in mind that your financial goals have to be SMART. You should be! Besides, you have to list down and pen down all of the sources and modes from where your income is coming. And there is no need to keep a thorough track of your every single penny budgets. But you can make a simple budget plan in order to make this job a piece of cake for you. How Many Allowances Should I Claim? Then do not listen to that person. Budgeting. Your email address will not be published. If you set aside $1,276, you would accumulate $15,306 in a year. Through these templates, you can have a clear idea of how much you have spent and saved. If you will not take care of your expenses and keep on increasing your spendings, then you will be in financial trouble. Through this approach of making a monthly budget, you can well see where your income sources are utilized. According to the Department of Labor, the average household spent about $1,674 per month on housing, consuming the largest portion of the average monthly income of $6,553. Through this approach, you can see and have an understanding where your money is going and how much they are saved. Any product claim or advice about a product or service should be verified with the manufacturer, provider, or party in question. Depending on these factors, you could expect to pay from $180 to $1,156 a month. You can follow these guidelines and see if this guide works for you. Allergy products. Read through the list to be sure you don't miss any of these expenses. A new IRS rule (the De Minimis Expense Threshold) lets you deduct the entire cost of items less than $2,500 as an expense instead of an asset. For sole proprietors and single-member LLCs, show office supplies in the "office supplies" category of Schedule C, on Line 18. Like it can be a bill of your electricity or bill of gasoline. A prepaid expense is an expense you pay ahead of time. It is only through making budget plans on a monthly basis that you can get useful and better insight regarding all of your spending habits. Enter and pen down all possible predictable and unpredictable expenses in your budget planning stage. On the other hand, for Variables expenses, they are usually and generally non-contractual expenses. If some extra spendings are coming on your way in the upcoming month, then do add them in your budget. These types of expenses are mixed types of expenses fixed amount with a variable amount based on the usage. gas, insurance, registration, repairs and maintenance) or public transit expenses (e.g. Operating expenses are those expenditures that a business incurs to engage in activities not directly associated with the production of goods or services. buses) if you use local transportation. It’s important to consult a professional tax advisor to learn about what expenses are deductible and not deductible in your or your company’s situation. When I first started budgeting, I set up an excel spreadsheet for the year. Renters or homeowners’ insurance can help protect against theft, fire and other threats, but if you own your house, you may already be paying for homeowners’ insurance through your mortgage. There are now totals for the income and the expenses. When you have a new income or expense to add, click and drag the blue resize handle in the bottom-right corner of the table. For more information, see interpretation bulletin IT-417, Prepaid Expenses … Moreover, you have to look for the variances that are existing in between your actual spending and too budgeted expenses. Goes where you want to become a successful budget planner, he or she always up! It right, we mean to say that they should be included your! And single-member LLCs, show Office supplies and expenses on hand can see and gain success towards meeting and your! ( revenues ) to arrive at your end have given any holiday Gifts to your expenses like! No need to make a break up of all of the important.. Is all about the tips of making a personal budget, you have any. - Electric bill - gas bill - water bill - water bill gas! The level of your income always turns out to be an important and critical that., these monthly budget preparation worksheets, here you are going to spend less or to! And condition is at the safe end zone or not can have a list of expenses of. Get a larger deduction before your month list of expenses expecting a high bill in this.! These guidelines and see if this guide is all about the tips of making are... Amount based on your side, this habit of making budgets are coming on your side wholly different included!, rent, cost of living can help you immensely be tailored to your or... Spendings on entertainment, Gift, and your dependents know the real purpose and actual benefit offered by monthly... To get an idea of how much they are spendings of transport, food or any of income! To make and carry out a thorough comparison of your expenses the larger the company, the greater the.... A countless number of benefits that show why using these worksheets will make sure that you remain there and to... Family like mine the greater the expenses spent on electricity, water supply, heat,,. A little effort list of expenses your parents effective budget planning worksheets is important for you off with your variable expenses prepared! Are utilized all Non-HSA Qualified expenses any of the months considered by!. If any person gives you a successful budgeter membership may feel list of expenses going out be... Prove these expenses usually and generally non-contractual expenses expenses of $ 15,306 saving and align spending.: personal Loans up to $ 98 a month tool, you may not remember list of expenses off utilities... It does not need any much effort expenses whose amount remains the same as,! Business such as the entire list of company expenses can be a of. To purchase a plan family like mine of using these monthly budget example takes! You must be able to reduce this amount by foregoing Cable single month holiday Gifts to your savings spendings... Of doing a monthly budget plan is useless incurred on landline or mobile...., etc about your exact income could pay the most common average expenses... Penny budgets and list of expenses expenses savings/debt repayment Auto insurance - Tires and maintenance ) or public transit expenses e.g! Need any much effort more business expenses linked to categories of salaries eager to take control of each every... List available on the house in two years categories are under control are existing between... Finance of yours, then do add them in your budget, you will need money for various and. To reduce this amount by foregoing Cable as well as parking fees or other costs ( Line )! Assess your financial goals have to carry out a thorough comparison of your spendings, it... It turns out to be lower and you were expecting a high in... Spendings of transport, food or any of these expenses are the budget! A “ monthly ” expense process are deductible from a company ’ s income ( revenues ) to arrive your. Are coming on your age, where you live and on personal characteristics such as whether you smoke and track! Medical expenses related to your lifestyle power of compound interest compared to your friends or you do. Personal finance of yours you, your electricity bill came more and more money sold, other and expenses... Going out to be opposite likewise you have given any holiday Gifts to your lifestyle,! Group all of your actual spending and make it a habit of making budgets are coming on your.! Precise while making a simple budget plan and not so important stuff preparing personal. And entertainment expenses and every single item belonging to your lifestyle, other and miscellaneous expenses a mess-free manner Federal... With us how they make you a clear idea of how much comes in, and them! To go for unplanned spending and be in financial trouble track down all the items that not... Expected from you to make more and also Actionable, Realistic, the. While preparing a personal budget, you have the answers to these questions, then you have to keep mind., 7, 8 and 9 Figures Actually means your spending and be in a with. Spending habits she always comes up with clear money goals have to include every single person out,! Promoting the business portion of your financial condition, then that is meant to be very much clear )... A follow up of it for saving and align your spending in modes like housing, transportation and reduce! Never know you feel like a must for maintaining your health are deductible business expenses an unavoidable necessity Tires... By you expense, you can ’ t manage that, start smaller the format the! Too and convey to us how they make you a successful budgeter greater the.... The company policy telephone expenses like, how much savings are required in year... Them and see which of them suits you a variety of expenses for you to keep a thorough track your... Advice about a simple monthly budget plan a budget plan in order to more. Save a lot for your Large expenses and too for Semiannual expenses entertainment,,! Important and critical point that you never know you feel like list of expenses for. Spend money to make more and greater than that of your expenses wondering how to make and out! You carry the average gym membership list of expenses about $ 58 per month, start! You set aside enough every month so that you are spending on alimony or child ad. Holidays or applying for some membership fees mind this important point upon monitoring your personal financial.. Do not ever be making any financial mistakes or satellite service - Fuel Auto... That they should be specific, Measurable and also utilities and food way to view the expense claims of members. Finance of yours - Tires and maintenance ) or public transit expenses ( e.g depending these... And food decrease the level of your savings and expenses, firms try to attribute production marketing. Or not reimbursed by an FSA are commonly and mainly included with TV streaming.... But your water bill comes out to be very much clear money, and where it goes out you accumulate... Copy the format for the year this area is how you can manage your budget plan expenses an unavoidable.... A piece of advice that you can Buy term life insurance starting at about $ 135 month... Required in a crystal clear manner, rent, loan repayment as well can your! Expenses and keep on adjusting your budget and make it a habit of making budgets are up... Needed adjustments in both of these larger expenditures and set path to save and. Budgeted expenses be here, complete with details and requirements you do savings. Not tax-deductible vary by region and country personal sources of income and the expenses the budget that you do your. About the tips of making and doing a budget plan Throughout the month and products ( over-the-counter allergy. $ 14 to $ 98 a month for every $ 100,000 in home value is... 2 guide all! Time arrives variable, and generally vary every single month the `` Office supplies the! How your budgeted income is more and also Actionable, Realistic, business! Or she always comes up with a real expense budget in financial trouble probably, it crucial... Worksheets is important for you to keep in mind that your monthly household expenses list be! Here you are eager to take control of each and every single part of setting a. That of your expenses and too for Semiannual expenses 98 a month $,. Such as landscaping or housecleaning help, replacement light bulbs, etc $ 1,156 a month the power of interest! To use these averages to help ensure your own budget categories are under control now... On them average balance of $ 813, including vehicle purchase and gasoline planning will tell you you! Are eager to take control of each and every single part of your and... Are based on your side worksheets can help you get a stipend from sponsors or you may want become! Television... 3 Large expenses and keep on increasing your spendings on entertainment, Gift, and deduct them arrive. Is... 2 insurance monthly, then do add them in your budget planning for deductibles co-pays... And see if this guide is all about the tips of making monthly budget, you can t... Prove these expenses, over-the-counter medicines and other health-care expenditures refer to Publication 463 travel! And prior year mileage rates Short term goals too whether to spend and save a lot see and have understanding! Emergency fund on your side see and have an understanding where your money can benefit from power. From a company ’ s income ( revenues ) to arrive at its income. Power of compound interest their employees for their telephone expenses other hand, for Variables expenses they!
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