Create a frequency budget for Laura as on page 513. Although her food, fuel, dining out, and entertainment expenses were listed monthly for the cash flow, they should be considered weekly expenses here. Round the weekly amount up to the nearest dollar. Combine electricity, water, and sanitation under the utilities category. Any categories not mentioned belong in the other section. According to this frequency budget plan, what is Laura's surplus or deficit for the year?
In Page 513

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Frequency Budget Plan Income Amounts 2,800 500 After-Tax Income Categories Primary Employment Secondary Employment Interest Dividends Other Income Total Income Frequency 24 12 Annual Amount 67,200 6,000 73,200 Weekly Expenses Food Personal Transportation Public Transportation Household Childcare Dining Out Entertainment Expense Amounts 185 37 52 52 52 52 52 52 52 52 9,620 1,924 0 0 0 1,820 2,392 0 15,756 35 46 Total Weekly Expenses 303 Monthly Expenses Mortgage Utilities Land Line/Cellular Telephone Car Loan Education Loan Personal Loan Car Insurance Homeowner's Insurance Savings 2,400 110 120 200 150 80 60 50 300 12 12 12 12 12 12 12 12 12 28,800 1,320 1,440 2,400 1,800 960 720 600 3,600 1,920 600 44,160 160 12 12 Debt Reduction Total Monthly Expenses Other Frequency Expenses Medical/Dental Auto-Related Home-Related Life Insurance Tuition Vacation Gifts Contributions Repairs Taxes 600 700 250 150 1.500 1,200 200 400 600 2,000 700 2 4 2 3,000 1,200 2 600 2 4,000 Total Other Frequency Expenses Total Expenses Annual Surplus or Deficit 12,000 71,916 1,284