While in college, Pam Jenkins worked part-time and was never concerned about long-term financial planning. Rather than creating a budget, she used her checkbook and savings account (which usually had a very low balance) to handle her financial needs. After completing college, Pam began her career as a sales representative for a clothing manufacturer located in California. After one year, her assets consist of a 2002 automobile, a television set, some electronic entertainment equipment, and clothing and other personal belongs, with a total value of about $8,200. Life Situation Financial Data Single Age 22 Starting a career No dependents Monthly income $2,600 Living expenses $2,180 Assets $8,200 Liabilities $3,470 Emergency fund $530
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