What is the value of reducing, postponing or foregoing expenses?

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height: 1px; overflow: hidden; position: absolute; white-space: nowrap; width: 1px;" >View Results</a> <input type="hidden" id="slideChange" value="true"></input> <div class="calc-container"> <div id="calculator" class="container">  <center><div id="TopHolderSmall"> </div></center> <div class="description box"> <h2 class="calcTitle">What is the value of reducing, postponing or foregoing expenses?</h2> <p class="calcDescription">Use this calculator to help determine what you could accumulate by reducing or eliminating discretionary monthly expenses.</p> </div> <form id="bud11Form" class="pure-form pure-form-aligned" action="bud11" method="POST"> <div class="function box"><div class="pure-g"> <div class="pure-u-1 pure-u-md-1-2 pureColumn"><div class="fieldgroup" role="tabpanel" id="Savings and Assumptions-tab" aria-labelledby='controls-Savings and Assumptions'><h4>Savings and Assumptions</h4> <div class="pure-g"> <div class="pure-u-1 pure-u-md-1-2"> <div class="label"><label for="beforeTaxReturn" id="beforeTaxReturnLabel">Return on savings <span class="validRange">(-12% to 12%)</span></label><span id='beforeTaxReturnHelp'><img class="helpimg" alt="help" src="https://www.calcxml.com/images/606/help-bubble.gif"></span><script type='text/javascript'>if(typeof Tipped !== "undefined") {Tipped.create("#beforeTaxReturnHelp", "https://www.calcxml.com/do/toolTip?src=https://www.calcxml.com/images/help/rortable.gif", { ajax: true })};</script></div> <input id="beforeTaxReturn" name="beforeTaxReturn" aria-describedby="beforeTaxReturnValidationMessage" styleId="beforeTaxReturn" aria-required="true" type="text" onfocus="clearInput(this.id)" onblur="checkBlank(this.id); if (!ValidatePercent(this, -.12, .12, '5%', 2)) {this.focus();this.select();}" value="5%" size="10"/> <div id="beforeTaxReturnValidationMessage" class="errorMessage" role="alert"></div> <div class="containerRange"> <div id="beforeTaxReturnSlide"></div> </div><script>beforeTaxReturnSlide = document.getElementById('beforeTaxReturnSlide');noUiSlider.create(beforeTaxReturnSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'beforeTaxReturnLabel' }],start: [ document.getElementById('beforeTaxReturn').value.replace('%', '') ], step: 1,connect: [true, false], range: {'min': [-12],'max': [12]},format: wNumb({decimals: 3,postfix: '%',})});beforeTaxReturnSlideValueElement = document.getElementById('beforeTaxReturn'); beforeTaxReturnSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){ beforeTaxReturnSlideValueElement.value = values[handle];}}); document.getElementById('beforeTaxReturn').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;beforeTaxReturnSlide.noUiSlider.set([this.value.replace('%', ''), null]);document.getElementById('slideChange').value = false;});</script></div> </div> <div class="pure-g"> <div class="pure-u-1 pure-u-md-1-2"> <div class="label"><label for="years" id="yearsLabel">Number of years to estimate savings <span class="validRange">(1 to 30)</span></label></div> <input id="years" name="years" aria-describedby="yearsValidationMessage" styleId="years" aria-required="true" type="text" onfocus="clearInput(this.id)" onblur="checkBlank(this.id); if (!ValidateInteger(this, 1, 30, '10', 2)) {this.focus();this.select();}" value="10" size="10"/> <div id="yearsValidationMessage" class="errorMessage" role="alert"></div> <div class="containerRange"> <div id="yearsSlide"></div> </div><script>yearsSlide = document.getElementById('yearsSlide');noUiSlider.create(yearsSlide, { handleAttributes: [{ 'aria-label': 'slider handle', 'aria-labelledBy': 'yearsLabel' }],start: [ document.getElementById('years').value.replace(",", "")],step: 1,connect: [true, false],range: {'min': [1],'max': [ 30]},format: wNumb({decimals: 0})});yearsSlideValueElement = document.getElementById('years');document.getElementById('years').addEventListener('change', function ( ) {document.getElementById('slideChange').value = true;yearsSlide.noUiSlider.set([this.value.replace(',', ''), null]);document.getElementById('slideChange').value = false;});yearsSlide.noUiSlider.on('update', function( values, handle ) {if (document.getElementById('slideChange').value == 'false'){yearsSlideValueElement.value = thousandSeparator(values[handle]);}});</script></div> </div></div></div> </div> <div class="pure-g"> <div class="pure-u-1 pure-u-md-1-2 pureColumn"><div class="fieldgroup" role="tabpanel" id="-tab" aria-labelledby='controls-'><div class="table-responsive"> <table class="pure-table inputTable2"> <thead> <tr> <th class="inputTable2Header" role="columnheader" scope="col">Expenses You Can Reduce Or Postpone</th><th class="inputTable2Header" role="columnheader" scope="col">Monthly Amount</th> </tr> </thead> <tbody> <tr> <td class="inputTable2Field"> <input id="description1" name="description1" title=" Expenses You Can Reduce Or Postpone" styleId="description1" type="text" onfocus="clearInput(this.id)" value="eat out less" size="45"/> </td><td class="inputTable2Field"> <input id="savings1" name="savings1" title=" Monthly Amount" styleId="savings1" aria-describedby="savings1ValidationMessage" aria-required="true" type="text" onfocus="clearInput(this.id)" onblur="checkBlank(this.id); if (!ValidateDouble(this, '0', '999,999,999', '150', 2)) {this.focus();this.select();} else {this.value=thousandSeparator(this.value);}" value="150" size="10"/> <div id="savings1ValidationMessage" class="errorMessage2"></div> </td> </tr> <tr> <td class="inputTable2Field"> <input id="description2" name="description2" title=" Expenses You Can Reduce Or Postpone" styleId="description2" type="text" onfocus="clearInput(this.id)" value="carpool to work" size="45"/> </td><td class="inputTable2Field"> <input id="savings2" name="savings2" title=" Monthly Amount" styleId="savings2" aria-describedby="savings2ValidationMessage" aria-required="true" type="text" onfocus="clearInput(this.id)" onblur="checkBlank(this.id); if (!ValidateDouble(this, '0', '999,999,999', '100', 2)) {this.focus();this.select();} else {this.value=thousandSeparator(this.value);}" value="100" size="10"/> <div id="savings2ValidationMessage" class="errorMessage2"></div> </td> </tr> <tr> <td class="inputTable2Field"> <input id="description3" name="description3" title=" Expenses You Can Reduce Or Postpone" styleId="description3" type="text" onfocus="clearInput(this.id)" value="drink less bottled water" size="45"/> </td><td class="inputTable2Field"> <input id="savings3" name="savings3" title=" Monthly Amount" styleId="savings3" aria-describedby="savings3ValidationMessage" aria-required="true" type="text" onfocus="clearInput(this.id)" onblur="checkBlank(this.id); 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jQuery.each(jQuery('.pureColumn'), function(index, value) { if (jQuery(this).siblings().length <= 0) { //fill row with this column if no siblings jQuery(this).removeClass( "pure-u-md-1-2" ); jQuery(this).removeClass( "pure-u-xl-1-2" ); } }); if (jQuery(".bus07").length || jQuery(".bud01").length || jQuery(".bud01").length || jQuery(".bud02").length || jQuery(".bud03").length || jQuery(".bud09").length || jQuery(".bud13").length || jQuery(".pay32").length){ jQuery.each(jQuery('.pureColumn'), function(index, value) { //single columns on these calcs jQuery(this).removeClass( "pure-u-md-1-2" ); jQuery(this).removeClass( "pure-u-xl-1-2" ); }); } jQuery('.fillerDiv').remove(); } //fix label spacing function fixLabelHeight(){ if (jQuery(window).width() >= 768){ //only change if not showing small screen layout if (!jQuery(".cus85").length && !jQuery(".inv01").length && !jQuery(".inv08").length && !jQuery(".bus07").length){ jQuery.each(jQuery('.function .pure-g'), function(index, value) { div1 = jQuery(this).children().first(); if (jQuery(div1).children().first().hasClass('label')) { div2 = jQuery(this).children().last(); label1 = jQuery(div1).children().first(); label2 = jQuery(div2).children().first(); if (label1.height() > label2.height()){ label2.height(label1.height()); } else { label1.height(label2.height()); } } }); } } } if (document.getElementById("floatingBox") !== null){ fixLabelHeight(); } //inputTableControl(); //input table changer function inputTableControl(){ var parent = jQuery(".inputTable").parent(); var divTable = ""; jQuery.each(jQuery('.inputTableField'), function(index, value) { var test = jQuery(this).children().first(); divTable += "<div class=\"pure-g\"><div class='pure-u-1 inputTableDiv'><div class=\"label\"><label>" + test.attr('title') + "</label></div>" + jQuery(this).html() + "</div></div>"; }); parent.html("" + divTable); } if (typeof bubbleChartData != 'undefined' && bubbleChartData.length > 1){ //load d3 library var script = document.createElement('script'); script.onload = function () { var bleed = 20, width = jQuery('.results-total').width() - 50, height = width/2; var pack = d3.layout.pack() .sort(null) .size([width, height]) .padding(25); var svg = d3.select("#bubbleGraph").append("svg") .attr("width", width) .attr("height", height) .append("g") .attr("transform", "translate(0,0)"); json = JSON.parse( bubbleChartData ); var node = svg.selectAll(".node") .data(pack.nodes(flatten(json)) .filter(function(d) { return !d.children; })) .enter().append("g") .attr("class", "node") .attr("id", function(d) { return d.displayName; }) .attr("transform", function(d) { return "translate(" + d.x + "," + d.y + ")"; }); var tooltip = d3.select("body") .append("div") .style("position", "absolute") .style("z-index", "10") //.style("visibility", "hidden") .style("display", "none") .style("color", "white") .style("padding", "8px") .style("background-color", "rgba(0, 0, 0, 0.75)") .style("border-radius", "6px") .style("font", "12px sans-serif") .text("tooltip"); var color = d3.scale.ordinal() .range(["#0B9191", "#E87008", "#292929", "#4BAEAE", "#b2b2b2", "#0D2471", "#0b4e91", "#591e7e", "#0f48f6", "#0b4e91", "#AE4B4B", "#9069A9"]); var colorArray = ["#0B9191", "#E87008", "#292929", "#4BAEAE", "#b2b2b2", "#0D2471", "#0b4e91", "#591e7e", "#0f48f6", "#0b4e91", "#AE4B4B", "#9069A9"]; node.append("circle") .attr("r", function(d) { return d.r; }) //.attr("fill",function(d,i){return color(i);}) .attr('fill', function(d, i) { if (i == 0) { jQuery("#bubbleGraph").append("<br><div id='legendBox'></div>"); } jQuery("#legendBox").append('<div class="legendItem"><div class="colorBox" style="background-color: ' + colorArray[i] + '"></div>' + d.name + '</div>'); return color(d.name); }) .classed('bubbleCircle', true) .on("mouseover", function(d) { tooltip.text(d.name.replace("’","'") + ": " + d.displayName); tooltip.style("display", "inherit"); }) .on("mousemove", function() { return tooltip.style("top", (d3.event.pageY-10)+"px").style("left",(d3.event.pageX+10)+"px"); }) .on("mouseout", function(){return tooltip.style("display", "none");}); node.append("text") .text(function(d) { return d.displayName; }) .classed('bubbleChartText', true) .style("font-size", function(d) { return Math.min(2 * d.r, (2 * d.r - 8) / this.getComputedTextLength() * 24) + "px"; }) .attr("dy", ".35em"); //var legendRectSize = 18; //var legendSpacing = 4; //var legend = svg.selectAll('.legend') //.data(color.domain()) //.enter() //.append('g') //.attr('class', 'legend') //.attr('transform', function(d, i) { // var height = legendRectSize + legendSpacing; // var offset = height * color.domain().length / 2; // var horz = 15; // var vert = i * height - 0; // return 'translate(' + horz + ',' + vert + ')'; //}); //legend.append('rect') // .attr('width', legendRectSize) // .attr('height', legendRectSize) // .style('fill', color) // .style('stroke', color); // legend.append('text') // .attr('x', legendRectSize + legendSpacing) // .attr('y', legendRectSize - legendSpacing) // .text(function(d) { return d; }); }; script.src = "https://cdnjs.cloudflare.com/ajax/libs/d3/3.5.16/d3.min.js"; document.head.appendChild(script); } // Returns a flattened hierarchy containing all leaf nodes under the root. function flatten(root) { var nodes = []; function recurse(node) { if (node.children) node.children.forEach(recurse); else { //displayValue = accounting.unformat(node.displayName); //.replace(/[^0-9\.]+/g, ''); //displayValue = accounting.formatMoney(displayValue, { //precision: 0, //thousand: "," //}); //displayValue = accounting.formatMoney(displayValue, 0); nodes.push({displayName: node.displayName, name: node.name, value: node.size}); } } recurse(root); return {children: nodes}; } </script> <script src="https://maxcdn.bootstrapcdn.com/bootstrap/4.3.1/js/bootstrap.min.js"></script> <script type="text/javascript" src="../scripts/guidedBox.js?v=1445235"></script> <script> function showDetailedResults(){ //for all other calculators - dont hide the buttons jQuery("#calculator-data-table").show(); jQuery('[onclick^="showDetailedResults()"]').attr("aria-expanded","true"); } </script> <style> .calc-container .containerRange { display: none !important; } </style>  <script> if (jQuery(window).width() < 400 && jQuery('.fieldgroup').length > 3){ //no tabs - wont fit } else { if (jQuery('.nav-tabs').length <= 0){ loadTabs(0); } } function translateButtonText(){ //fix language for next/prev buttons var nextButtonText = 'Next'; var prevButtonText = 'Previous'; var showAllInputText = 'Show All Input'; jQuery('#nextButton').html(nextButtonText); jQuery('#prevButton').html(prevButtonText); jQuery('#showAllInputText').html(showAllInputText); } translateButtonText(); </script> <script> //fix for anchors in autosizing iframes function iframeResizerScrollToTop(reset){ if (reset){ resetForm(); } if ('parentIFrame' in window) { parentIFrame.getPageInfo((pageInfo) => resetToTop(pageInfo)); } } function resetToTop(pageInfo){ parentIFrame.scrollTo(0,pageInfo.offsetTop); parentIFrame.getPageInfo(); } jQuery("a[onclick*='reset']").attr("onclick","iframeResizerScrollToTop(true)"); jQuery("a[onclick*='top']").attr("onclick","iframeResizerScrollToTop(false)"); </script> <script> var els = document.querySelectorAll("a[href*='documatix']"); for(var i = 0, l = els.length; i < l; i++) { //remove documatix logo var el = els[i]; el.innerHTML = ''; } </script> <script> //fix for sliders not loading correct value after submit document.getElementById("slideChange").value = false; </script> <script> if (document.location.toString().indexOf('tps://') > 0){ jQuery('a[href="http://www.calcxml.com"]').attr('href', 'https://www.calcxml.com').attr('target', '_blank'); } jQuery('.calculate').attr('type', 'submit'); jQuery('<caption style="display: none;">Detailed data table</caption>').insertBefore('.dataTable .pure-table > tbody:nth-child(1)'); jQuery('<caption style="display: none;">Summary table</caption>').insertBefore('.displayTable .pure-table > tbody:nth-child(1)'); if (jQuery('#mazumaTax').length > 0){ var s = document.createElement('script'); s.setAttribute('src', '../scripts/mazumaTax.js'); //document.getElementsByTagName('head')[0].appendChild(s); } if (jQuery('#mortgageRatesOptions').length > 0){ iFrameResize({heightCalculationMethod: 'lowestElement', inPageLinks: true, initCallback: function (iFrame) {iFrame.iFrameResizer.moveToAnchor('results');}}); } var resultsElement = document.getElementById("results"); if (resultsElement != null) { //make sure we see results after submit resultsElement.scrollIntoView(); if(jQuery(window).width() < 1112){ //hide on mobile for now jQuery("#oas_TopRight").remove(); } } if(jQuery(window).width() < 480 && jQuery('img[src$="fistscore1.png"]') != null){ jQuery('img[src$="fistscore1.png"]').attr("src","https://www.calcxml.com/images/ads/fistscore2.png"); console.log(jQuery('img[src$="fistscore2.png"]').length); } //console.log(resultsElement.length); </script> <center><div id="oas_Top"> </div></center> <script> if (!jQuery("#results").length){ jQuery("#viewResultsLink").remove(); //jQuery('<a id="viewResultsLink" href="#results" style="clip-path: inset(100%); clip: rect(1px 1px 1px 1px); clip: rect(1px, 1px, 1px, 1px); height: 1px; overflow: hidden; position: absolute; white-space: nowrap; width: 1px;" >View Results</a>').insertBefore(".calc-container"); } if (window.location.href.indexOf('pdf=1') > -1){ jQuery(".calculate").attr("onclick","submitForm('_self','1');return false;"); } </script> <script> jQuery(".errorMessage2").click(function() { jQuery(this).html(""); jQuery(this).removeClass("activeError"); }); </script> <script> if (jQuery('#ccWidgetDataIframe').length > 0){ jQuery('#ccWidgetDataIframe').parent().parent().parent().parent().parent().insertAfter('.btnLine'); } if (jQuery('#homeEquityWidgetIframe').length > 0){ jQuery('#homeEquityWidgetIframe').parent().parent().parent().parent().parent().parent().insertAfter('.btnLine'); } if (jQuery('#autoRatesWidgetIframe').length > 0){ jQuery('#autoRatesWidgetIframe').parent().parent().parent().parent().parent().parent().insertAfter('.btnLine'); } if (jQuery('#skn').val() != ""){ jQuery('.results-summary').each(function () { if (jQuery(this).parent().attr("id") != "results"){ jQuery(this).appendTo('#results'); } }); } if (jQuery('#skn').val() == "" && jQuery('#results').length > 0){ jQuery('.articles').appendTo(".pure-u-3-5"); jQuery('.definitions').appendTo(".pure-u-3-5"); jQuery('div.disclaimer').appendTo(".pure-u-3-5"); jQuery('.poweredBy').appendTo(".pure-u-3-5"); } jQuery('[onclick^="showDetailedResults()"]').attr("aria-expanded","false").attr("aria-controls","detailedResultsTop"); </script> <script> if(jQuery('body').css('display') == 'none'){ jQuery('body').show(); } </script> <script> jQuery(".pure-u-md-1-4").addClass("pure-u-md-1-3").removeClass("pure-u-md-1-4"); jQuery("a[onclick*='.submit();return false;']").hide(); </script> <script> //fix for checkbox leadgen wrong value jQuery('input:checkbox').change(function() { //alert(jQuery(this).attr("name")); if (jQuery(this).is(":checked")) { jQuery(this).val("on"); } else { jQuery(this).val("off"); } console.log(jQuery(this).attr("name") + " : " +jQuery(this).val()); }); //add aria-hidden to stdImage links jQuery(".stdImage").parent().attr("aria-hidden","true"); jQuery(".stdImage").parent().attr("tabindex", "-1"); </script> <script> jQuery(".disclaimer").attr("tabindex", "-1"); jQuery('#sectionTabs ul').attr("aria-owns",""); jQuery('a[id^="controls-"]').each(function( index ) { jQuery('#sectionTabs ul').attr("aria-owns", jQuery('#sectionTabs ul').attr("aria-owns") + this.id + " "); jQuery(this).parent().attr("role", "tab"); jQuery(this).removeAttr('role'); }); jQuery('#sectionTabs').removeAttr('role'); jQuery('#sectionTabs ul').attr('role','tablist'); </script> <script> if (jQuery("#language").val() == "fr"){ jQuery( ".validRange" ).each(function() { jQuery(this).text(jQuery(this).text().replaceAll("%"," %")); }); } </script> <script> var lastPicked = ""; jQuery(':input').on('focus', function() { lastPicked = this.id; }); </script> <script> if (jQuery("#language").val() != "en"){ jQuery('.h1Heading').hide(); } </script> <script> //fix spaces in IDs for tab aria jQuery(".calc-container .fieldgroup").each(function(i) { jQuery(this).attr('id', jQuery(this).attr('id').replaceAll(" ", "_")); }); </script> <style> input[type="text"] { padding: 19px; border: 1px solid rgba(158, 160, 160, .37); font-size: 16px; color: #3B444C; width: 100%; border-radius: 3px; position: relative; } .btn2 { border: 0; margin-bottom: 9px; padding: 0; padding: 20px; font-weight: bold; font-size: 18px; line-height: 23px; border-radius: 5px; cursor: pointer; background-color: #1AB394; color: #fff !important; } </style> <script> function showEmailResultsDialog(){ //document.getElementById("myModal").style.display = "block"; document.getElementById("emailResultsButton").style.display = "none"; document.getElementById("emailAddressDiv").style.display = "block"; setTimeout(function() { jQuery("#targetEmailAddress").focus(); }, 200); } function sendEmailResults(){ jQuery("#sendResultsEmailTarget").val(jQuery("#targetEmailAddress").val()); //var xhr = new XMLHttpRequest(); // xhr.onload = function(){ console.log(xhr.responseText); } // xhr.open(document.forms[0].method, document.forms[0].getAttribute("action")); // xhr.send(new FormData(document.forms[0])); //return false; if (request) { request.abort(); } // setup some local variables var $form = jQuery("form"); // let's select and cache all the fields var $inputs = $form.find("input, select, button, textarea"); // serialize the data in the form var serializedData = $form.serialize(); // fire off the request to specific url var request = jQuery.ajax({ url : window.location.href, type: "post", data: serializedData }); // callback handler that will be called on success request.done(function (response, textStatus, jqXHR){ }); // callback handler that will be called on failure request.fail(function (jqXHR, textStatus, errorThrown){ }); // callback handler that will be called regardless // if the request failed or succeeded request.always(function () { // reenable the inputs }); jQuery('<center><div id="sendResultsMessage" style="display: none; margin-top: 15px; font-weight: bold; background: #eee;padding: 10px;">Results have been sent</div><center>').insertAfter(jQuery("#sendEmailResultsHolder")); jQuery( "#emailAddressDiv" ).slideUp( "fast", function() { // Animation complete. }); jQuery( "#sendResultsMessage" ).slideDown( "slow", function() { // Animation complete. }); setTimeout(function(){ jQuery("#sendResultsMessage").slideUp("slow"); }, 5000); setTimeout(function(){ jQuery("#sendResultsMessage").remove(); }, 6000); // prevent default posting of form event.preventDefault(); } if (jQuery("#sendResultsEmail").val() == "1" && (jQuery('#results').length > 0)){ if (jQuery("#bubbleGraph").length){ jQuery('<center><div id="emailAddressDiv" style="display: none;"><input placeholder="Email address" type="text" style="max-width: 300px" id="targetEmailAddress"/><br><br><a onclick="document.forms[0].pdf.value=\'0\';document.forms[0].target=\'_self\';sendEmailResults();" href="#results"><button class="btn2" type="button">Submit</button></a></div><a id="sendEmailResultsHolder" href="#results" onclick="showEmailResultsDialog();"><button type="button" class="btn2" id="emailResultsButton" >Email Results</button></a><center>').insertAfter(jQuery("#bubbleGraph")); } else { //fix for qua12 and others jQuery('<div style="margin-top: 20px;"><center><div id="emailAddressDiv" style="display: none;"><input placeholder="Email address" type="text" style="max-width: 300px" id="targetEmailAddress"/><br><br><a onclick="document.forms[0].pdf.value=\'0\';document.forms[0].target=\'_self\';sendEmailResults();return false;" href="#results"><button class="btn2" type="button">Submit</button></a></div><a id="sendEmailResultsHolder" href="#results" onclick="showEmailResultsDialog();"><button type="button" class="btn2" id="emailResultsButton" >Email Results</button></a><center></div>').appendTo(jQuery(".displayTable")); } if (jQuery("#sendResultsEmailTarget").val().length > 2){ jQuery('<center><div id="sendResultsMessage" style="margin-top: 15px; font-weight: bold; background: #eee;padding: 10px;">Results have been sent</div><center>').insertAfter(jQuery("#sendEmailResultsHolder")); setTimeout(function(){ jQuery("#sendResultsMessage").slideUp("slow"); }, 5000); } } </script> <script> jQuery(document).ready(function() { jQuery(window).keydown(function(event){ if(event.keyCode == 13) { event.preventDefault(); return false; } }); }); </script> <script> jQuery(".poweredByLink a").attr("alt","Powered By CalcXML"); </script> </body> </html>

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