Start: 09/01/01 End: 07/01/02 M gym 55 M util 15 M phone 96 M food 60 W coffee "5 * (1 + 3)" W misc 212 M rent 945 SUB "SUB monthly" Oct car-ins 1500 M "car pmts" 360 M "car expenses" 160 SUB "SUB Car expense" Sep "fall books" 150 Jan "winter books" 150 April "spring books" 150 SUB "SUB Books" Dec "winter break" 1000 March "spring break" 1000 June "summer" 500 SUB "SUB vacation" TOT "TOT Expenses" M income (-1*1000) SUB "SUB Income" TOT NET