2016 MONTHLY BUDGET

SALARY FOR MONTH OF

DEC

JAN

FEB

EXPENDITURE FOR MONTH OF

JAN

FEB

MAC

OWN INCOME
SPOUSE INCOME
TOTAL INCOME

0.00

0.00

0.00

0.00

0.00

0.00

Actual Total

0.00

0.00

0.00

Difference

0.00

0.00

0.00

0.00

0.00

0.00

Actual Total

0.00

0.00

0.00

Difference

0.00

0.00

0.00

0.00

0.00

0.00

10% Financial Freedom Account

Unit Trust
ASB
Saham
Gold Savings
Cash Savings

10% Education Account

School Fee/PIBG Fee
Books
University / Tuition Fees
Seminar / School Holiday Camp

10% Long Term Savings for

Spending Account
Car Insurance 1
Car Insurance 2
Car Maintenance 1
Car Maintenance 2
Car Road Tax 1
Car Road Tax 2
Tabung Haji 1
Tabung Haji 2
Duit Kutu

Vacations
Actual Total

0.00

0.00

0.00

Difference

0.00

0.00

0.00

0.00

0.00

0.00

Actual Total

0.00

0.00

0.00

Difference

0.00

0.00

0.00

0.00

0.00

0.00

Actual Total

0.00

0.00

0.00

Difference

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10% Play Account

Gifts / Presents / Toys
Eating Out / Picnic
Short Holiday
Movies / Concert
Sports Event / Gym Membership

5% Give Account
Parents
Derma/Sedekah
Zakat

55% Necessities Account

Bills
TM/House phone
TNB
ASTRO
Broadband
Handphone 1
Handphone 2
Credit Card 1
Credit Card 2
IWK
CUKAI TAKSIRAN & CUKAI TANAH
House Rent
House Maintenance Fee
House Extra Carpark
Water Bill
House Insurance
Total Bills

Loans
Housing Loan 1
Housing Loan 2
Car Loan 1
Car Loan 2
Personal Loan 1
Personal Loan 2
ASB Loan
Total Loans

0.00

0.00

0.00

0.00

0.00

0.00

Total Household Spending

0.00

0.00

0.00

Total Others

0.00

Actual Total

0.00

0.00

0.00

Difference

0.00

0.00

0.00

BALANCE BROUGHT FORWARD

0.00

0.00

0.00

Insurances
Takaful
Medical Card
Total Insurances
Household Spending
Groceries
Petrol
Tolls
Clothes / Shawls / Shoes
Baby Needs
Others

Note:

Difference

This is to highlight to you whether you overspe

you may need to look back at your expenses

Balance

You may use this amount either for spending or

into your expenses

MAC

APR

MAY

JUN

JUL

OGO

APR

MAY

JUN

JUL

OGO

SEP

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

t to you whether you overspend on all the accounts more than the percentage allocated on each account. If
look back at your expenses

amount either for spending or saving if the numbers are positive. If the numbers are negative than you may
es

SEP

OKT

NOV

OKT

NOV

DEC

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

REMARK

This amount are not to be disturbed/used in anyway. It is y

This amount are for you & your family education - books, s

This amount is for your spending due in 1 year or more.

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

This amount is for your entertainment and must use up th

This amount is for charity, Zakat

This is your living expenses for the month

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

ocated on each account. If you overspend, then

are negative than you may need to relook back

turbed/used in anyway. It is your Golden Egg (Telur Emas) for your retirement

ur family education - books, school fees, seminars, tuition, etc

ding due in 1 year or more.

tainment and must use up the amount within a month

or the month