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350.00 (includes extra commuting expenses
and petty cash)
Total expenses $3200.00
Average monthly income 5000.00
Excess income $1800.00
The amount they have between their savings and checking of $8000 is not enough. They should have at least three months worth of take home salary in case something happens to their work situations and there is no income. Investing in a Certificate of Deposit (CD) is not a good move at this point, perhaps not in the future either, because they would have to "freeze" their money for a year. Meaning they would not have access to it for that time period unless they paid an early withdrawal fee...
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