Cashflow Planner
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Pertanyaan? Email kepada : [email protected]
CashFlow Planner - Panduan Aliran Tunai Budge t By Month
Quick Budge t
Arahan Anda boleh bergerak dari satu penyata ke penyata lain dengan menekan butang biru di atas setiap penyata (worksheet) atau menekan tab biru di bawah
Isikan maklumat dengan lengkap dalam kotak putih sahaja. Eg: 400 Use the drop down boxes Aug To Date to chart different time periods (Current Month, Prior Month, Yearly, Jan, Feb, etc.) Quick Budget Create a quick and easy budget by filling out the white cells on the "Quick Budget" sheet. Enter the "Frequency" by using the drop down menu provided in each cell. The Monthly/Yearly figures are calculated for you and compared to your Tracking (actual) figures on the "Comparison" sheet. Make sure "Use this budget for comparison purposes" is selected. (If this box is not selected, the "Budget By Month" figures will be used for comparison purposes instead.) Budget by Month Use the "Budget By Month" sheet to create a budget with greater detail. Select your first budget month by using the drop down box in the "Income" section. To unhide future months, click the grey button at the top of the sheet labeled "Click here then Ctrl+Shift+0". Make sure "Use this budget for comparison purposes" is selected if you are building 'a budget by month. (If this box is not selected, the "Quick Budget" sheet figures will be used for comparison purposes instead.) Tracking Use this sheet to track your actual income and spending. Select your first tracking month by using the drop down box in the "Income" section. These figures will be compared to your budgeted figures on the "Comparison" page. Comparison Use this sheet to monitor how well you are sticking to your budget. Compare different time periods by using the drop down box above the "Income" section Daily Spending We've provided this sheet for those interested in tracking their spending on a daily basis. This simple record goes a long way in helping you stick to your budget. Your savings can be invested in a better way and which will help you when you are in need! Benefits to you
0
Current Month Prior Month Aug To Date January February March April May June July August September October November December
Often people find it difficult to manage their resources or fail to manage their income and expenditure leading to a life which no longer lead their family or society in a happy and healthy situation. It can grow up as a social problem. Especially people work in Gulf Countries will have a Big "0" balance once they retire or lose their job. We believe this can help you in this situation to manage your funds and help you lead a
Disciplined Life.
200
0 0 150 0 0 0 50
100 0 0 10 10 0 0 100 0 0
150 300 300 0 0 10 0 0 60 100 0
0
Current Month Prior Month Aug To Date
September
Daily
Overvi ew/ Help
Comp arison
Spend or create a budget by month ing
Tracki ng
Budge t By Month
Quick Budge t
Quick Budget
Monthly
Chart:
Wang Masuk
Kekerapan
Jumlah Pendapatan Bersih Gaji Anda Gaji Pasangan Bonus Anda Bonus Pasangan Komisyen / Elaun Sewa Rumah Pendapatan Lain 1 1 1
0.08
1
Wang Keluar
Monthly Monthly Yearly Yearly Monthly Monthly Monthly
Jumlah 2400.00 0.00 0.00 0.00 0.00 100.00 0.00
Total:
Bulanan
30000.00 28800.00 0.00 0.00
100.00 0.00
1200.00 0.00
1900.00
22800.00
Simpanan & Pelaburan Simpanan Biasa Simpanan Haji Insurans Hayat Anda Insurans Hayat Pasangan Simpanan Pendidikan Insuran Perubatan Insurans Kemalangan Pelaburan ASB / Unit Trust
Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly
200.00 250.00 0.00 0.00 0.00 0.00 0.00 0.00
450.00 200.00 250.00 0.00 0.00 0.00 0.00 0.00 0.00
5400.00 2400.00 3000.00 0.00 0.00 0.00 0.00 0.00 0.00
Bayaran Pinjaman Rumah 1 Rumah 2 Kereta 1 1 Kereta 2 1 Pinjaman Pendidikan 1 Pinjaman Pelaburan / ASB 1 Pinjaman Peribadi 1 Kad Kredit 1 1 Kad Kredit 2 1 Kad Kredit 3 1
Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly
0.00 0.00 0.00 0.00 150.00 0.00 0.00 0.00 0.00 0.00
150.00 0.00 0.00 0.00 0.00 150.00 0.00 0.00 0.00 0.00 0.00
1800.00 0.00 0.00 0.00 0.00 1800.00 0.00 0.00 0.00 0.00 0.00
200.00 0.00 0.00 0.00
2400.00 0.00 0.00 0.00
1 1 1 1 1 1 1 1
1 1
0.08 0.08 0.17
Belanja Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta
Yearly Yearly Semi-Annually
0.00
Ringkasan Aliran Tunai
Tahunan
2500.00 2400.00 0.00 0.00
$600
$2,500 Column Z $1,900 $0
$500
$1,000
Row 28
$1,500
$2,000
Row 27
$2,500
Row 26
Ringkasan Wang Keluar
Quick Budget FALSE
Yearly Monthly Weekly 2
$200
$150
$200 $220
$450
$680
Simpanan & Pelaburan Belanja Pengangkutan
Bayaran Pinjaman Bil & Utiliti
Belanja Luar Jangka Belanja Sara Hidup
Pie Chart Simpanan & Pelaburan $450 Bayaran Pinjaman $150 Belanja Luar Jangka $200 Belanja Pengangkutan $200 Bil & Utiliti $220 Belanja Sara Hidup $680
Bar Chart Balance Income Expense
$600 $2,500 $1,900
Monthly Monthly Yearly Yearly Quarterly Monthly
200.00
0.00 0.00 0.00 0.00 0.00 200.00
0.00 0.00 0.00 0.00 0.00 2400.00
Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta 0.33 Parking 1 Tambang bas / van anak 1 Lain-lain 1
Yearly Yearly Monthly Quarterly Monthly Monthly Monthly
0.00 0.00 150.00 0.00 0.00 0.00 50.00
200.00 0.00 0.00 150.00 0.00 0.00 0.00 50.00
2400.00 0.00 0.00 1800.00 0.00 0.00 0.00 600.00
Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik 1 Bil Air 1 Gas 0.33 Telefon 1 Handphone 1 Yuran Maintenance 1 Astro / Internet 1
Monthly Semi-Annually Semi-Annually Monthly Monthly Quarterly Monthly Monthly Monthly Monthly
100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0.00 0.00
220.00 100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0.00 0.00
2640.00 1200.00 0.00 0.00 120.00 120.00 0.00 0.00 1200.00 0.00 0.00
Monthly Quarterly Monthly Monthly Monthly Monthly Monthly Quarterly Quarterly Monthly Monthly Monthly
150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00 0.00 0.00
680.00 150.00 100.00 300.00 0.00 0.00 10.00 0.00 0.00 20.00 100.00 0.00 0.00
8160.00 1800.00 1200.00 3600.00 0.00 0.00 120.00 0.00 0.00 240.00 1200.00 0.00 0.00
1 1 0.08 0.08 0.33 1
Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain
0.08 0.08
1
1
0.17 0.17
Belanja Sara Hidup Barang Dapur Pakaian & Kasut Duit saku Penjagaan Anak Belanja Sekolah Suratkhabar / Majalah Perubatan / Supplements Pergigian / Alatan Mata Kosmetik Hiburan Sukan / Keahlian Kelab Lain-Lain 1 1
0.33
1 1 1 1 1 0.33 0.33
1 1
Daily Weekly Monthly Semi-Annually Quarterly Yearly
ing
Daily
Overvi ew/ Help
or create a quick budget Spend
Comp arison
Tracki ng
Budge t By Month
Quick Budge t
Budget By Month
Yearly
Chart: 1
Wang Masuk
Nov
Dec
Jan
Feb
Mar
Ringkasan Aliran Tunai
1 Months Oct to Date
Jumlah Pendapatan Bersih Gaji / Bonus Anda Gaji / Bonus Pasangan Komisyen / Elaun Sewa Rumah Pendapatan Lain
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00
0
-15,480
0
0
0
0
0
0
Column AK
Wang Keluar
Total:
Simpanan & Pelaburan Simpanan Biasa Simpanan Haji Insurans Hayat Anda Insurans Hayat Pasangan Simpanan Pendidikan Insuran Perubatan Insurans Kemalangan Pelaburan ASB / Unit Trust Bayaran Pinjaman Rumah 1 Rumah 2 Kereta 1 Kereta 2 Pinjaman Pendidikan Pinjaman Pelaburan / ASB Pinjaman Peribadi Kad Kredit 1 Kad Kredit 2 Kad Kredit 3
0.00
250.00
0.00
0.00
0.00
1290.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15,480 -20,000
0
0.00
0.00
Belanja Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain
0.00
0.00
Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta Parking Tambang bas / van anak Lain-lain
0.00
Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik Bil Air Gas Telefon Handphone Yuran Maintenance Astro / Internet
0.00
0.00 0.00 150.00 0.00 0.00 0 50.00
Belanja Sara Hidup Barang Dapur Pakaian & Kasut Duit saku Penjagaan Anak Belanja Sekolah Suratkhabar / Majalah Perubatan / Supplements Pergigian / Alatan Mata Kosmetik Hiburan Sukan / Keahlian Kelab Lain-Lain
0.00
100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0 0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
200.00
150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00 0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 150.00 0.00 0.00 0.00 0.00 150.00 0.00 0.00 220.00 0.00 0.00 100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 920.00 0.00 0.00 150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00
-10,000
0 5,000 10,000
0
15,000 20,000
0
0
Row 27
0
Row 26
Row 25
0
0
Budget by
Ringkasan Wang Keluar
0
Chart:
Month
0
Mths/Wks
1 Months TRUE
Start Mth
Bar Chart
$-
1
Balance
Bayaran Pinjaman
$-
4
Income
0
2 Monthly (avg.)
1 Months
Belanja Luar Jangka
$-
0
3 Weekly (avg.)
1 Months
Belanja Pengangkutan $1,800
4 Current Month
Oct
Bil & Utiliti
5 January
Jan
Belanja Sara Hidup
6 February
Feb
7 March
Mar
8 April
Apr
0
0
$2,640 $1,800
0
0
11
0 Budgeted
Simpanan & Pelaburan
1 Months
0
1
Pie Chart
1 Yearly
0
9 May
May
10 June
Jun
0
11 July
Jul
0
12 August
Aug
13 September
Sep
14 October
Oct
15 November
Nov
16 December
Dec
0
0
0
0
$11,040
Simpanan & Pelaburan Bil & Utiliti
0
Bayaran Pinjaman Belanja Sara Hidup
Belanja Luar Jangka
Belanja Pengangkutan
0
0
Budget by Month
0
0
0
0
0
250 225 200 175
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
150 125 100
Row 16 Row 8
75 50 25 0 Nov Dec
Row 8 Jan
Feb
Mar
Row 16
$2,640 $11,040 $15,480
Expense
$(15,480) $$15,480
Overvi ew/ Help
Daily Spend ing
Comp arison
Tracki ng
Budge t By Month
Quick Budge t
Tracking
September
Chart:
Wang Masuk Jumlah Pendapatan Bersih Gaji / Bonus Anda 3 Gaji / Bonus Pasangan 4 Komisyen / Elaun 5 Sewa Rumah 6 Pendapatan Lain 7
Oct
Nov
0.00
Dec
0.00
Wang Keluar Jumlah Wang Keluar Simpanan & Pelaburan Simpanan Biasa Simpanan Haji 13 Insurans Hayat Anda 14 Insurans Hayat Pasangan 15 Simpanan Pendidikan 16 Insuran Perubatan 17 Insurans Kemalangan 18 Pelaburan ASB / Unit Trust 19
0.00
Jan
Oct to Date
0.00
0.00
0.00
1290.00
0.00
1290.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20
Bayaran Pinjaman Rumah 1 22 Rumah 2 23 Kereta 1 24 Kereta 2 25 Pinjaman Pendidikan 26 Pinjaman Pelaburan / ASB 27 Pinjaman Peribadi 28 Kad Kredit 1 29 Kad Kredit 2 30 Kad Kredit 3 31
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
32
Belanja Luar Jangka Percutian 34 Balik Kampung / Raya 35 Baik-Pulih Kereta 36 Rokok / Alkohol 37 Derma 38 Insurans Rumah (Fire) 39 Perabut / ubah-suai rumah 40 Hadiah 41 Lain-lain 42 33
0.00
0.00
Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol 47 Servis Kereta 48 Parking 49 Tambang bas / van anak 50 Lain-lain 51
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00
0.00
200 150.00
0.00
150.00 0.00 0.00 0.00 150.00 0.00 0.00 0.00
0.00
0.00 0.00 150.00 0.00 0.00 0.00 50 220.00
0.00
220.00 0.00 100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0.00
0.00
100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0.00 0 920.00
0.00
920.00 0.00 150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00 0.00
43 44
0.00
0.00
45 46
52
Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik 57 Bil Air 58 Gas 59 Telefon 60 Handphone 61 Yuran Maintenance 62 Astro / Internet 63 53
0.00
54 55 56
64
Belanja Sara Hidup Barang Dapur Pakaian & Kasut Duit saku Penjagaan Anak 69 Belanja Sekolah 70 Suratkhabar / Majalah 71 Perubatan / Supplements 72 Pergigian / Alatan Mata 73 Kosmetik 74 Hiburan 75 Sukan / Keahlian Kelab 76 Lain-Lain 77 65
0.00
66
150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00 0.00 0
67 68
-
-
1,040
0
0 Column AN 0
Over Budget
12
21
Ringkasan Wang Masuk / Keluar Sebenar
0.00 0.00 0.00 0.00 0.00 0.00
-
0 0 0 0 0 00000 000001
Row 28
11111 11 1 1111
Row 27
1 1 1 11 11
Row 26
Wang Keluar Sebenar 1,300 1,200 1,100 1,000 900 800 700 600 500 400 300 200 100 0
10 9
Row 17 Row 8
Oct
Nov
Dec
Jan
Row 8 Row 17
12 Sep 1 Oct 1 Current Month Oct 2 Prior Month Sep 3 Oct to Date Oct to Date 4 January Jan 5 February Feb 6 March Mar 7 April Apr 8 May May 9 June Jun 10 July Jul 11 August Aug 12 September Sep 13 October Oct 14 November Nov 15 December Dec
First Tracking Month 10 1 Jan Feb 2 Feb Mar 3 Mar Apr 4 Apr May 5 May Jun 6 Jun Jul 7 Jul Aug 8 Aug Sep 9 Sep Oct 10 Oct Nov 11 Nov Dec 12 Dec Jan 13 Oct to Date
Budget By Month? January TRUE February March April May June July August September October November December October to Date
1
Bar Chart Balance Income Expense
$$$-
Overvi ew/ Help
Daily Spend ing
Jumlah Pendapatan Bersih Gaji / Bonus Anda Gaji / Bonus Pasangan Komisyen / Elaun 5 Sewa Rumah 6 Pendapatan Lain 7
Comp arison
Wang Masuk
Tracki ng
Budge t By Month
Quick Budge t
Comparison
September
Prior Month
Compare
to Budget
Budget
Sep Actual 0
Vs Budget 0
3 4
Perbandingan CashFlow (Budget & Sebenar)
0 0.00 0.00 0.00 0.00 0.00
0 0
Budget0 0 0
Wang Keluar Jumlah Wang Keluar Simpanan & Pelaburan Simpanan Biasa Simpanan Haji Insurans Hayat Anda 14 Insurans Hayat Pasangan 15 Simpanan Pendidikan 16 Insuran Perubatan 17 Insurans Kemalangan 18 Pelaburan ASB / Unit Trust 19
Tracking0 0
0
0
0
0
0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 13
20
23 24 25 26 27 28 29 30 31
Pinjaman Rumah 1 Rumah 2 Kereta 1 Kereta 2 Pinjaman Pendidikan Pinjaman Pelaburan / ASB Pinjaman Peribadi Kad Kredit 1 Kad Kredit 2 Kad Kredit 3
0
0
0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
32 33 Belanja 34 35 36 37 38 39 40 41 42
Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain
0
0
0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
43 44 Belanja 45 46 47 48 49 50 51
Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta Parking Tambang bas / van anak Lain-lain
0
0
0 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
0
0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
0
0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
52 53 Bil 54 55 56 57 58 59 60 61 62 63
& Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik Bil Air Gas Telefon Handphone Yuran Maintenance Astro / Internet
64 65 Belanja 66 67 68 69 70 71 72 73 74 75 76 77
Expense
Income
Balance (Savings)
Perbandingan Wang Keluar (Budget & Sebenar)
10 9
1 0.9
21 Bayaran 22
0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 1 1 1 1 1
Sara Hidup Barang Dapur Pakaian & Kasut Duit saku Penjagaan Anak Belanja Sekolah Suratkhabar / Majalah Perubatan / Supplements Pergigian / Alatan Mata Kosmetik Hiburan Sukan / Keahlian Kelab Lain-Lain
0.8 0.7 0.6 0.5 0.4 0.3 0.2 0.1 0
0
0
0
0
0
0
0
Budget
Simpanan Budget& Pelaburan Belanja Pengangkutan
0
0
0
0
Tracking
Bayaran Pinjaman Bil & Utiliti
Belanja Luar Tracking Jangka Belanja Sara Hidup
0
2 Sep Budget By Month? 1 Current Month Oct TRUE 2 Prior Month Sep 3 Oct to Date Oct to Date 4 January Jan 5 February Feb 6 March Mar 7 April Apr 8 May May 9 June Jun 10 July Jul 11 August Aug 12 September Sep 13 October Oct 14 November Nov 15 December Dec Simple Budget
1
1 Pie Chart
Bar Chart Budget
Simpanan & Pelaburan 0 Bayaran Pinjaman 0 Belanja Luar Jangka 0 Belanja Pengangkutan 0 Bil & Utiliti 0 Belanja Sara Hidup 0
Tracking
0 0 0 0 0 0
Tracking Balance (Savings) $Income $Expense $-
Budget $$$-
Overvi ew/ Help
Daily Spend ing
Comp arison
Tracki ng
Budge t By Month
Quick Budge t
Rekod Harian - Wang Keluar Wang Keluar
1st
2nd
3rd
4th
5th
6th
7th
8th
9th
10th
11th
12th
13th
14th
15th
16th
17th
18th
19th
20th
21st
22nd
23rd
24th
25th
26th
27th
28th
29th
30th
31st
Month
Jumlah Wang Keluar Harian
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Simpanan & Pelaburan Simpanan Biasa Simpanan Haji Insurans Hayat Anda Insurans Hayat Pasangan Simpanan Pendidikan Insuran Perubatan Insurans Kemalangan Pelaburan ASB / Unit Trust
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Bayaran Pinjaman Rumah 1 Rumah 2 Kereta 1 Kereta 2 Pinjaman Pendidikan Pinjaman Pelaburan / ASB Pinjaman Peribadi Kad Kredit 1 Kad Kredit 2 Kad Kredit 3
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Belanja Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta Parking Tambang bas / van anak Lain-lain
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik Bil Air Gas Telefon Handphone Yuran Maintenance Astro / Internet
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Belanja Sara Hidup Barang Dapur Pakaian & Kasut Duit saku Penjagaan Anak Belanja Sekolah Suratkhabar / Majalah Perubatan / Supplements Pergigian / Alatan Mata Kosmetik Hiburan Sukan / Keahlian Kelab Lain-Lain
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CashFlow Planner - Panduan Aliran Tunai Budge t By Month
Quick Budge t
Arahan Anda boleh bergerak dari satu penyata ke penyata lain dengan menekan butang biru di atas setiap penyata (worksheet) atau menekan tab biru di bawah
Isikan maklumat dengan lengkap dalam kotak putih sahaja. Eg: 400 Use the drop down boxes Aug To Date to chart different time periods (Current Month, Prior Month, Yearly, Jan, Feb, etc.) Quick Budget Create a quick and easy budget by filling out the white cells on the "Quick Budget" sheet. Enter the "Frequency" by using the drop down menu provided in each cell. The Monthly/Yearly figures are calculated for you and compared to your Tracking (actual) figures on the "Comparison" sheet. Make sure "Use this budget for comparison purposes" is selected. (If this box is not selected, the "Budget By Month" figures will be used for comparison purposes instead.) Budget by Month Use the "Budget By Month" sheet to create a budget with greater detail. Select your first budget month by using the drop down box in the "Income" section. To unhide future months, click the grey button at the top of the sheet labeled "Click here then Ctrl+Shift+0". Make sure "Use this budget for comparison purposes" is selected if you are building 'a budget by month. (If this box is not selected, the "Quick Budget" sheet figures will be used for comparison purposes instead.) Tracking Use this sheet to track your actual income and spending. Select your first tracking month by using the drop down box in the "Income" section. These figures will be compared to your budgeted figures on the "Comparison" page. Comparison Use this sheet to monitor how well you are sticking to your budget. Compare different time periods by using the drop down box above the "Income" section Daily Spending We've provided this sheet for those interested in tracking their spending on a daily basis. This simple record goes a long way in helping you stick to your budget. Your savings can be invested in a better way and which will help you when you are in need! Benefits to you
0
Current Month Prior Month Aug To Date January February March April May June July August September October November December
Often people find it difficult to manage their resources or fail to manage their income and expenditure leading to a life which no longer lead their family or society in a happy and healthy situation. It can grow up as a social problem. Especially people work in Gulf Countries will have a Big "0" balance once they retire or lose their job. We believe this can help you in this situation to manage your funds and help you lead a
Disciplined Life.
200
0 0 150 0 0 0 50
100 0 0 10 10 0 0 100 0 0
150 300 300 0 0 10 0 0 60 100 0
0
Current Month Prior Month Aug To Date
September
Daily
Overvi ew/ Help
Comp arison
Spend or create a budget by month ing
Tracki ng
Budge t By Month
Quick Budge t
Quick Budget
Monthly
Chart:
Wang Masuk
Kekerapan
Jumlah Pendapatan Bersih Gaji Anda Gaji Pasangan Bonus Anda Bonus Pasangan Komisyen / Elaun Sewa Rumah Pendapatan Lain 1 1 1
0.08
1
Wang Keluar
Monthly Monthly Yearly Yearly Monthly Monthly Monthly
Jumlah 2400.00 0.00 0.00 0.00 0.00 100.00 0.00
Total:
Bulanan
30000.00 28800.00 0.00 0.00
100.00 0.00
1200.00 0.00
1900.00
22800.00
Simpanan & Pelaburan Simpanan Biasa Simpanan Haji Insurans Hayat Anda Insurans Hayat Pasangan Simpanan Pendidikan Insuran Perubatan Insurans Kemalangan Pelaburan ASB / Unit Trust
Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly
200.00 250.00 0.00 0.00 0.00 0.00 0.00 0.00
450.00 200.00 250.00 0.00 0.00 0.00 0.00 0.00 0.00
5400.00 2400.00 3000.00 0.00 0.00 0.00 0.00 0.00 0.00
Bayaran Pinjaman Rumah 1 Rumah 2 Kereta 1 1 Kereta 2 1 Pinjaman Pendidikan 1 Pinjaman Pelaburan / ASB 1 Pinjaman Peribadi 1 Kad Kredit 1 1 Kad Kredit 2 1 Kad Kredit 3 1
Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly
0.00 0.00 0.00 0.00 150.00 0.00 0.00 0.00 0.00 0.00
150.00 0.00 0.00 0.00 0.00 150.00 0.00 0.00 0.00 0.00 0.00
1800.00 0.00 0.00 0.00 0.00 1800.00 0.00 0.00 0.00 0.00 0.00
200.00 0.00 0.00 0.00
2400.00 0.00 0.00 0.00
1 1 1 1 1 1 1 1
1 1
0.08 0.08 0.17
Belanja Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta
Yearly Yearly Semi-Annually
0.00
Ringkasan Aliran Tunai
Tahunan
2500.00 2400.00 0.00 0.00
$600
$2,500 Column Z $1,900 $0
$500
$1,000
Row 28
$1,500
$2,000
Row 27
$2,500
Row 26
Ringkasan Wang Keluar
Quick Budget FALSE
Yearly Monthly Weekly 2
$200
$150
$200 $220
$450
$680
Simpanan & Pelaburan Belanja Pengangkutan
Bayaran Pinjaman Bil & Utiliti
Belanja Luar Jangka Belanja Sara Hidup
Pie Chart Simpanan & Pelaburan $450 Bayaran Pinjaman $150 Belanja Luar Jangka $200 Belanja Pengangkutan $200 Bil & Utiliti $220 Belanja Sara Hidup $680
Bar Chart Balance Income Expense
$600 $2,500 $1,900
Monthly Monthly Yearly Yearly Quarterly Monthly
200.00
0.00 0.00 0.00 0.00 0.00 200.00
0.00 0.00 0.00 0.00 0.00 2400.00
Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta 0.33 Parking 1 Tambang bas / van anak 1 Lain-lain 1
Yearly Yearly Monthly Quarterly Monthly Monthly Monthly
0.00 0.00 150.00 0.00 0.00 0.00 50.00
200.00 0.00 0.00 150.00 0.00 0.00 0.00 50.00
2400.00 0.00 0.00 1800.00 0.00 0.00 0.00 600.00
Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik 1 Bil Air 1 Gas 0.33 Telefon 1 Handphone 1 Yuran Maintenance 1 Astro / Internet 1
Monthly Semi-Annually Semi-Annually Monthly Monthly Quarterly Monthly Monthly Monthly Monthly
100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0.00 0.00
220.00 100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0.00 0.00
2640.00 1200.00 0.00 0.00 120.00 120.00 0.00 0.00 1200.00 0.00 0.00
Monthly Quarterly Monthly Monthly Monthly Monthly Monthly Quarterly Quarterly Monthly Monthly Monthly
150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00 0.00 0.00
680.00 150.00 100.00 300.00 0.00 0.00 10.00 0.00 0.00 20.00 100.00 0.00 0.00
8160.00 1800.00 1200.00 3600.00 0.00 0.00 120.00 0.00 0.00 240.00 1200.00 0.00 0.00
1 1 0.08 0.08 0.33 1
Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain
0.08 0.08
1
1
0.17 0.17
Belanja Sara Hidup Barang Dapur Pakaian & Kasut Duit saku Penjagaan Anak Belanja Sekolah Suratkhabar / Majalah Perubatan / Supplements Pergigian / Alatan Mata Kosmetik Hiburan Sukan / Keahlian Kelab Lain-Lain 1 1
0.33
1 1 1 1 1 0.33 0.33
1 1
Daily Weekly Monthly Semi-Annually Quarterly Yearly
ing
Daily
Overvi ew/ Help
or create a quick budget Spend
Comp arison
Tracki ng
Budge t By Month
Quick Budge t
Budget By Month
Yearly
Chart: 1
Wang Masuk
Nov
Dec
Jan
Feb
Mar
Ringkasan Aliran Tunai
1 Months Oct to Date
Jumlah Pendapatan Bersih Gaji / Bonus Anda Gaji / Bonus Pasangan Komisyen / Elaun Sewa Rumah Pendapatan Lain
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00
0
-15,480
0
0
0
0
0
0
Column AK
Wang Keluar
Total:
Simpanan & Pelaburan Simpanan Biasa Simpanan Haji Insurans Hayat Anda Insurans Hayat Pasangan Simpanan Pendidikan Insuran Perubatan Insurans Kemalangan Pelaburan ASB / Unit Trust Bayaran Pinjaman Rumah 1 Rumah 2 Kereta 1 Kereta 2 Pinjaman Pendidikan Pinjaman Pelaburan / ASB Pinjaman Peribadi Kad Kredit 1 Kad Kredit 2 Kad Kredit 3
0.00
250.00
0.00
0.00
0.00
1290.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15,480 -20,000
0
0.00
0.00
Belanja Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain
0.00
0.00
Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta Parking Tambang bas / van anak Lain-lain
0.00
Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik Bil Air Gas Telefon Handphone Yuran Maintenance Astro / Internet
0.00
0.00 0.00 150.00 0.00 0.00 0 50.00
Belanja Sara Hidup Barang Dapur Pakaian & Kasut Duit saku Penjagaan Anak Belanja Sekolah Suratkhabar / Majalah Perubatan / Supplements Pergigian / Alatan Mata Kosmetik Hiburan Sukan / Keahlian Kelab Lain-Lain
0.00
100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0 0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
200.00
150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00 0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 150.00 0.00 0.00 0.00 0.00 150.00 0.00 0.00 220.00 0.00 0.00 100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 920.00 0.00 0.00 150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00
-10,000
0 5,000 10,000
0
15,000 20,000
0
0
Row 27
0
Row 26
Row 25
0
0
Budget by
Ringkasan Wang Keluar
0
Chart:
Month
0
Mths/Wks
1 Months TRUE
Start Mth
Bar Chart
$-
1
Balance
Bayaran Pinjaman
$-
4
Income
0
2 Monthly (avg.)
1 Months
Belanja Luar Jangka
$-
0
3 Weekly (avg.)
1 Months
Belanja Pengangkutan $1,800
4 Current Month
Oct
Bil & Utiliti
5 January
Jan
Belanja Sara Hidup
6 February
Feb
7 March
Mar
8 April
Apr
0
0
$2,640 $1,800
0
0
11
0 Budgeted
Simpanan & Pelaburan
1 Months
0
1
Pie Chart
1 Yearly
0
9 May
May
10 June
Jun
0
11 July
Jul
0
12 August
Aug
13 September
Sep
14 October
Oct
15 November
Nov
16 December
Dec
0
0
0
0
$11,040
Simpanan & Pelaburan Bil & Utiliti
0
Bayaran Pinjaman Belanja Sara Hidup
Belanja Luar Jangka
Belanja Pengangkutan
0
0
Budget by Month
0
0
0
0
0
250 225 200 175
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
150 125 100
Row 16 Row 8
75 50 25 0 Nov Dec
Row 8 Jan
Feb
Mar
Row 16
$2,640 $11,040 $15,480
Expense
$(15,480) $$15,480
Overvi ew/ Help
Daily Spend ing
Comp arison
Tracki ng
Budge t By Month
Quick Budge t
Tracking
September
Chart:
Wang Masuk Jumlah Pendapatan Bersih Gaji / Bonus Anda 3 Gaji / Bonus Pasangan 4 Komisyen / Elaun 5 Sewa Rumah 6 Pendapatan Lain 7
Oct
Nov
0.00
Dec
0.00
Wang Keluar Jumlah Wang Keluar Simpanan & Pelaburan Simpanan Biasa Simpanan Haji 13 Insurans Hayat Anda 14 Insurans Hayat Pasangan 15 Simpanan Pendidikan 16 Insuran Perubatan 17 Insurans Kemalangan 18 Pelaburan ASB / Unit Trust 19
0.00
Jan
Oct to Date
0.00
0.00
0.00
1290.00
0.00
1290.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20
Bayaran Pinjaman Rumah 1 22 Rumah 2 23 Kereta 1 24 Kereta 2 25 Pinjaman Pendidikan 26 Pinjaman Pelaburan / ASB 27 Pinjaman Peribadi 28 Kad Kredit 1 29 Kad Kredit 2 30 Kad Kredit 3 31
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
32
Belanja Luar Jangka Percutian 34 Balik Kampung / Raya 35 Baik-Pulih Kereta 36 Rokok / Alkohol 37 Derma 38 Insurans Rumah (Fire) 39 Perabut / ubah-suai rumah 40 Hadiah 41 Lain-lain 42 33
0.00
0.00
Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol 47 Servis Kereta 48 Parking 49 Tambang bas / van anak 50 Lain-lain 51
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00
0.00
200 150.00
0.00
150.00 0.00 0.00 0.00 150.00 0.00 0.00 0.00
0.00
0.00 0.00 150.00 0.00 0.00 0.00 50 220.00
0.00
220.00 0.00 100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0.00
0.00
100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0.00 0 920.00
0.00
920.00 0.00 150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00 0.00
43 44
0.00
0.00
45 46
52
Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik 57 Bil Air 58 Gas 59 Telefon 60 Handphone 61 Yuran Maintenance 62 Astro / Internet 63 53
0.00
54 55 56
64
Belanja Sara Hidup Barang Dapur Pakaian & Kasut Duit saku Penjagaan Anak 69 Belanja Sekolah 70 Suratkhabar / Majalah 71 Perubatan / Supplements 72 Pergigian / Alatan Mata 73 Kosmetik 74 Hiburan 75 Sukan / Keahlian Kelab 76 Lain-Lain 77 65
0.00
66
150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00 0.00 0
67 68
-
-
1,040
0
0 Column AN 0
Over Budget
12
21
Ringkasan Wang Masuk / Keluar Sebenar
0.00 0.00 0.00 0.00 0.00 0.00
-
0 0 0 0 0 00000 000001
Row 28
11111 11 1 1111
Row 27
1 1 1 11 11
Row 26
Wang Keluar Sebenar 1,300 1,200 1,100 1,000 900 800 700 600 500 400 300 200 100 0
10 9
Row 17 Row 8
Oct
Nov
Dec
Jan
Row 8 Row 17
12 Sep 1 Oct 1 Current Month Oct 2 Prior Month Sep 3 Oct to Date Oct to Date 4 January Jan 5 February Feb 6 March Mar 7 April Apr 8 May May 9 June Jun 10 July Jul 11 August Aug 12 September Sep 13 October Oct 14 November Nov 15 December Dec
First Tracking Month 10 1 Jan Feb 2 Feb Mar 3 Mar Apr 4 Apr May 5 May Jun 6 Jun Jul 7 Jul Aug 8 Aug Sep 9 Sep Oct 10 Oct Nov 11 Nov Dec 12 Dec Jan 13 Oct to Date
Budget By Month? January TRUE February March April May June July August September October November December October to Date
1
Bar Chart Balance Income Expense
$$$-
Overvi ew/ Help
Daily Spend ing
Jumlah Pendapatan Bersih Gaji / Bonus Anda Gaji / Bonus Pasangan Komisyen / Elaun 5 Sewa Rumah 6 Pendapatan Lain 7
Comp arison
Wang Masuk
Tracki ng
Budge t By Month
Quick Budge t
Comparison
September
Prior Month
Compare
to Budget
Budget
Sep Actual 0
Vs Budget 0
3 4
Perbandingan CashFlow (Budget & Sebenar)
0 0.00 0.00 0.00 0.00 0.00
0 0
Budget0 0 0
Wang Keluar Jumlah Wang Keluar Simpanan & Pelaburan Simpanan Biasa Simpanan Haji Insurans Hayat Anda 14 Insurans Hayat Pasangan 15 Simpanan Pendidikan 16 Insuran Perubatan 17 Insurans Kemalangan 18 Pelaburan ASB / Unit Trust 19
Tracking0 0
0
0
0
0
0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 13
20
23 24 25 26 27 28 29 30 31
Pinjaman Rumah 1 Rumah 2 Kereta 1 Kereta 2 Pinjaman Pendidikan Pinjaman Pelaburan / ASB Pinjaman Peribadi Kad Kredit 1 Kad Kredit 2 Kad Kredit 3
0
0
0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
32 33 Belanja 34 35 36 37 38 39 40 41 42
Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain
0
0
0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
43 44 Belanja 45 46 47 48 49 50 51
Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta Parking Tambang bas / van anak Lain-lain
0
0
0 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
0
0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
0
0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
52 53 Bil 54 55 56 57 58 59 60 61 62 63
& Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik Bil Air Gas Telefon Handphone Yuran Maintenance Astro / Internet
64 65 Belanja 66 67 68 69 70 71 72 73 74 75 76 77
Expense
Income
Balance (Savings)
Perbandingan Wang Keluar (Budget & Sebenar)
10 9
1 0.9
21 Bayaran 22
0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 1 1 1 1 1
Sara Hidup Barang Dapur Pakaian & Kasut Duit saku Penjagaan Anak Belanja Sekolah Suratkhabar / Majalah Perubatan / Supplements Pergigian / Alatan Mata Kosmetik Hiburan Sukan / Keahlian Kelab Lain-Lain
0.8 0.7 0.6 0.5 0.4 0.3 0.2 0.1 0
0
0
0
0
0
0
0
Budget
Simpanan Budget& Pelaburan Belanja Pengangkutan
0
0
0
0
Tracking
Bayaran Pinjaman Bil & Utiliti
Belanja Luar Tracking Jangka Belanja Sara Hidup
0
2 Sep Budget By Month? 1 Current Month Oct TRUE 2 Prior Month Sep 3 Oct to Date Oct to Date 4 January Jan 5 February Feb 6 March Mar 7 April Apr 8 May May 9 June Jun 10 July Jul 11 August Aug 12 September Sep 13 October Oct 14 November Nov 15 December Dec Simple Budget
1
1 Pie Chart
Bar Chart Budget
Simpanan & Pelaburan 0 Bayaran Pinjaman 0 Belanja Luar Jangka 0 Belanja Pengangkutan 0 Bil & Utiliti 0 Belanja Sara Hidup 0
Tracking
0 0 0 0 0 0
Tracking Balance (Savings) $Income $Expense $-
Budget $$$-
Overvi ew/ Help
Daily Spend ing
Comp arison
Tracki ng
Budge t By Month
Quick Budge t
Rekod Harian - Wang Keluar Wang Keluar
1st
2nd
3rd
4th
5th
6th
7th
8th
9th
10th
11th
12th
13th
14th
15th
16th
17th
18th
19th
20th
21st
22nd
23rd
24th
25th
26th
27th
28th
29th
30th
31st
Month
Jumlah Wang Keluar Harian
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Simpanan & Pelaburan Simpanan Biasa Simpanan Haji Insurans Hayat Anda Insurans Hayat Pasangan Simpanan Pendidikan Insuran Perubatan Insurans Kemalangan Pelaburan ASB / Unit Trust
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Bayaran Pinjaman Rumah 1 Rumah 2 Kereta 1 Kereta 2 Pinjaman Pendidikan Pinjaman Pelaburan / ASB Pinjaman Peribadi Kad Kredit 1 Kad Kredit 2 Kad Kredit 3
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Belanja Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta Parking Tambang bas / van anak Lain-lain
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik Bil Air Gas Telefon Handphone Yuran Maintenance Astro / Internet
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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Belanja Sara Hidup Barang Dapur Pakaian & Kasut Duit saku Penjagaan Anak Belanja Sekolah Suratkhabar / Majalah Perubatan / Supplements Pergigian / Alatan Mata Kosmetik Hiburan Sukan / Keahlian Kelab Lain-Lain
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