Family Budget This is a complex scenario. We assume constant annual inflation of 4.3%. CONSTANT 4.3 USD Annual bonus true 3500 2007-12-01 00:00:00.0 EST 2057-07-16 00:00:00.0 EDT YEAR 1 CONSTANT 0 true Wine course true 60 2008-05-21 00:00:00.0 EDT 2058-05-19 00:00:00.0 EDT WEEK 1 CONSTANT 0 true Investment-related income true Dividends received from company XYZ, paid every quarte on 13th. Expected rate of growth is 10% per year 850 2008-05-13 00:00:00.0 EDT 2058-05-13 00:00:00.0 EDT MONTH 3 CONSTANT 10 false My salary true Received every 15th of each month 4800 2007-07-15 00:00:00.0 EDT 2057-07-16 00:00:00.0 EDT MONTH 1 CONSTANT 0 true Saving plan incomes true 75 2008-05-19 00:00:00.0 EDT 2058-05-19 00:00:00.0 EDT MONTH_END 1 CONSTANT 0 true Car rental true We apply annual inflation on payment, even if in practice they will stay constant during the lease period. -700 2007-07-16 00:00:00.0 EDT 2057-12-31 00:00:00.0 EST MONTH_END 1 CONSTANT 0 true Credit Card debt true we expect a tough year in 2009... -530 2009-01-05 00:00:00.0 EST 2009-12-31 00:00:00.0 EST MONTH_END 1 CONSTANT 0 false Electricity-water-gaz true Lets say we expect a 5% annual growth in a foreseeable future (energy crisis looming) -230 2007-07-16 00:00:00.0 EDT 2057-07-16 00:00:00.0 EDT MONTH_END 1 CONSTANT 4 false Family vacation true -3500 2008-07-15 00:00:00.0 EDT 2058-05-19 00:00:00.0 EDT YEAR 1 CONSTANT 0 true Food true -200 2007-07-16 00:00:00.0 EDT 2057-07-16 00:00:00.0 EDT WEEK 1 CONSTANT 0 true Health care true 10% growth per year -800 2008-05-19 00:00:00.0 EDT 2058-05-19 00:00:00.0 EDT MONTH 2 CONSTANT 10 false House repairs true -650 2008-05-19 00:00:00.0 EDT 2058-05-19 00:00:00.0 EDT MONTH 3 CONSTANT 0 true Mortgage true -900 2007-07-20 00:00:00.0 EDT 2020-07-16 00:00:00.0 EDT MONTH 1 CONSTANT 0 false Restaurants true -150 2008-05-23 00:00:00.0 EDT 2058-05-19 00:00:00.0 EDT MONTH 1 CONSTANT 0 true Tuition fees true every september, till 2010 -7000 2007-09-01 00:00:00.0 EDT 2010-12-31 00:00:00.0 EST YEAR 1 CONSTANT 0 true Life Insurance true -120 2008-05-16 00:00:00.0 EDT 2058-05-19 00:00:00.0 EDT MONTH 1 CONSTANT 0 true Chess club membership true -110 2008-08-13 00:00:00.0 EDT 2058-05-19 00:00:00.0 EDT YEAR 1 CONSTANT 0 true Internet access true -130 2008-05-19 00:00:00.0 EDT 2058-05-19 00:00:00.0 EDT MONTH_END 1 CONSTANT 0 true