Estimate the total direct cost and cost per 1,000 bricks for construction of walls of a rectangular building, 56 ft 6 in. wide and 108 ft 0 in. long, with brick veneer walls 8 ft 9 in. high. The total area of openings for doors and windows will be 324 sf. The walls will be 4 in. thick, using Norman type bricks laid in running bond with 1/2 -in. mortar joints on all sides. Wall ties will be placed every 16 in. in the horizontal direction and every 24 in. in the vertical direction. Material cost will be $586/1,000 bricks, $83/cy for mortar, and $4.25/100 wall ties. The mixer for mortar will cost $9.5/hr. Scaffolding rental will be $1,800 for the job. No waste and labor cost need to be considered in this question.

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.

you will have $2593.74 in 10 years if you set aside $1,000 at 10%

you will have $9321.91 in 20 years if you set aside $2000 at 8%

you will have $1469.32 in 5 years if you set aside $1000 at 8%

you will have $1296.87 in 10 years if you set aside $500 at 10%

you will have $239.66 in 15 years if you set aside $100 at 6%

you will have $4660.96 in 20 years if you set aside $1000 at 8%

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