Raghu Monthly Spending Planner

Monthly Guideline
Jan Feb March April May June July Aug Sept Oct Nov Dec Year

INCOME
Salary 93,400.00 93,400.00 93,400.00 93,400.00 93,400.00 93,400.00 93,400.00 93,400.00 93,400.00 840,600.00
House Rent 8,700.00 8,700.00 8,700.00 8,700.00 8,700.00 8,700.00 8,700.00 8,700.00 8,700.00 78,300.00
Venu Salary 15,000.00 15,000.00 15,000.00 15,000.00 15,000.00 15,000.00 15,000.00 105,000.00
Naveen Salary 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 35,000.00
Support payments
Interest/dividends
Other
Other
Income totals 0.00 0.00 0.00 102,100.00 102,100.00 122,100.00 122,100.00 122,100.00 122,100.00 122,100.00 122,100.00 122,100.00 1,058,900.00

EXPENSES
Savings
Chit Kolar Moorthy 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 70,000.00
Chit Keshava Murthy 8,000.00 8,000.00 8,000.00 8,000.00 8,000.00 8,000.00 48,000.00
SBI Savings 2,450.00 2,450.00 2,450.00 7,350.00

Savings totals 0.00 0.00 0.00 20,450.00 20,450.00 20,450.00 18,000.00 18,000.00 18,000.00 10,000.00 0.00 0.00 125,350.00

Payment Obligations
Bajaj Finance TV Loan 4,034.00 4,034.00 4,034.00 4,034.00 4,034.00 4,034.00 4,034.00 4,034.00 4,034.00 36,306.00
Bajaj Finance TV Loan 2 2,634.00 2,634.00 2,634.00 2,634.00 2,634.00 2,634.00 2,634.00 2,634.00 2,634.00 23,706.00
Amex Credit card 50,948.00 50,948.00
HDFC Credit card 4,800.00 4,800.00 4,800.00 4,800.00 4,800.00 4,800.00 20,175.73 20,175.73 20,175.73 89,327.19
Hosakote Property Loan 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 73,746.00
Hosakote Property Loan Swathi 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 106,380.00
Car Loan 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 146,322.00
Sarjapura House Loan 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 157,077.00
Akshaynagar House Loan 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 184,275.00
Car Topup Loan 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 69,167.00
Bike Bullet Loan 6,050.00 6,050.00 6,050.00 6,050.00 6,050.00 6,050.00 6,050.00 42,350.00
Office Cash Loan 23,333.00 23,333.00 23,333.00 23,333.00 23,333.00 23,333.00 23,333.00 23,333.00 186,664.00
Bajaj Finance Personal Loan 8,250.00 8,250.00 8,250.00 24,750.00
Raghu Mobile Loan 2,102.00 2,102.00 2,102.00 2,102.00 8,408.00

Payment obligation totals 0.00 0.00 0.00 136,616.00 109,001.00 124,932.00 124,932.00 124,932.00 127,034.00 150,659.73 150,659.73 150,659.73 1,199,426.19

Insurance
LIC 1 779.00 779.00 1,558.00
LIC 2 7,259.00 7,259.00 14,518.00
LIC Swathi 11,800.00 11,800.00 23,600.00
Other 0.00
Insurance totals 0.00 0.00 0.00 0.00 19,838.00 0.00 0.00 0.00 0.00 0.00 19,838.00 0.00 39,676.00

Housing
Property taxes 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 9,000.00
Rent
Storage locker
Home security
Home insurance
Other
Housing totals 0.00 0.00 0.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 9,000.00

Utilities
Airtel Mobile charges 779.00 779.00 779.00 779.00 779.00 779.00 779.00 779.00 779.00 7,011.00
Natural gas 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 4,500.00
Bulding maintenance charges 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 13,500.00
Cable 450.00 450.00 450.00 450.00 450.00 450.00 450.00 450.00 450.00 4,050.00
Home telephone 0.00
Swathi Phone bill 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 2,700.00
Nandish Phone bill 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 1,800.00
Internet 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 10,800.00
Other 0.00
Utilities totals 0.00 0.00 0.00 4,929.00 4,929.00 4,929.00 4,929.00 4,929.00 4,929.00 4,929.00 4,929.00 4,929.00 44,361.00

Household
Home repairs 0.00
Home improvements 0.00
Gardening supplies 0.00
Home décor 0.00
Other 0.00
Housing totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Living Costs
Provincial medical (MSP) 0.00
Groceries 7,000.00 7,000.00 7,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 45,000.00
Lunch & coffee breaks 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 9,000.00
Laundry/dry cleaning 0.00
Work/professional clothing 0.00
Housecleaning service 0.00
Bank service charges 0.00
Other 0.00
Living costs totals 0.00 0.00 0.00 8,000.00 8,000.00 8,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 54,000.00

Health
Medical treatments 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 13,500.00
Dental
Orthodontics
Optical
Prescriptions
Over-the-counter drugs
Deductibles/out-of-pocket
Other
Health totals 0.00 0.00 0.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 13,500.00

Transportation
Gas/fuel – vehicle 1 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 18,000.00
Insurance – vehicle 1 3,000.00 3,000.00
Gas/fuel – vehicle 2 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 45,000.00
Insurance – vehicle 2 18,000.00 18,000.00
Parking 0.00
Maintenance 0.00
Repairs 0.00
Car wash/detailing services 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 18,000.00
Public transportation 0.00
Taxis 0.00
Bicycle costs 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 1,800.00
Other 0.00
Transportation totals 0.00 0.00 0.00 9,200.00 9,200.00 9,200.00 9,200.00 9,200.00 9,200.00 9,200.00 9,200.00 30,200.00 103,800.00

Children
Daycare
Babysitting
Activities
Lessons
Sports
Clothing
School fees 6,000.00 49,500.00 24,000.00 12,000.00 91,500.00
School supplies
School fundraisers
Other
Children totals 0.00 0.00 0.00 0.00 6,000.00 49,500.00 0.00 0.00 24,000.00 0.00 0.00 12,000.00 91,500.00

Pets
Pet food
Veterinarians/pet medicines
Pet insurance
Other
Pet totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Personal
Clothing, including shoes 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 18,000.00
Tobacco 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 3,000.00 27,000.00
Alcohol 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 9,000.00
Gifts – family 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 9,000.00
Gifts – friends 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 9,000.00
Gifts – hostess/housewarming 0.00
Haircuts 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 4,500.00
Personal grooming 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 4,500.00
Cosmetics 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 4,500.00
Salon services 0.00
Other 0.00
Personal totals 0.00 0.00 0.00 9,500.00 9,500.00 9,500.00 9,500.00 9,500.00 9,500.00 9,500.00 9,500.00 9,500.00 85,500.00

Education
Tuition fees 0.00
Books 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 1,800.00
Supplies (ink/paper/pens/etc) 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 1,800.00
Course materials (calculator) 0.00
Other 0.00
Education totals 0.00 0.00 0.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 3,600.00

Entertainment
Dining out 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 9,000.00
Lottery tickets/gambling/bingo 0.00
Entertaining at home/BBQ 0.00
Video/DVD rentals 0.00
Movies/plays 0.00
Books 0.00
Music (CDs, etc.) 0.00
Hockey/football/etc. pools 0.00
Concerts/clubs 0.00
Hobbies (e.g crafts, baking…) 0.00
Other 0.00
Entertainment totals 0.00 0.00 0.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 9,000.00

Recreation
Sports equipment
Activities
Team dues
Licenses
Other
Recreation totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Donations/Subscriptions
Magazines
Newspapers 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 720.00
Religious organizations
Charity
Other
Donation/subscription totals 0.00 0.00 0.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 720.00

Vacations/Travel
Plane fare
Accommodations, e.g. hotel
Camping fees
Food
Recreation activities
Entertainment
Souvenirs
Rental car
Spending money
Pet boarding/house sitter
Other
Vacation totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Miscellaneous
Professional dues
Association fees
Gym membership
Annual family membership
Store membership
Other
Miscellaneous totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Total expenses 0.00 0.00 0.00 192,675.00 190,898.00 230,491.00 175,541.00 175,541.00 201,643.00 193,268.73 203,106.73 216,268.73 1,779,433.19

Cash short/extra 0.00 0.00 0.00 -90,575.00 -88,798.00 -108,391.00 -53,441.00 -53,441.00 -79,543.00 -71,168.73 -81,006.73 -94,168.73 -720,533.19
Raghu Monthly Spending Planner
Monthly Guideline
Jan Feb March April May June July Aug Sept Oct Nov Dec Year

INCOME
Salary 87,000.00 87,000.00 95,000.00 91,500.00 105,000.00 98,654.00 102,000.00 102,000.00 100,946.00 100,946.00
117,000.00 1,321,546.00234,500.00
House Rent 8,700.00 8,700.00 11,250.00 10,500.00 8,400.00 19,000.00 50,000.00 116,550.00
Venu Salary 30,000.00 30,000.00 25,000.00 20,000.00 25,000.00 30,000.00 30,000.00 30,000.00 30,000.00 30,000.00
30,000.00 340,000.00 30,000.00
Naveen Salary 15,000.00 15,000.00 15,000.00 15,000.00 15,000.00 15,000.00 17,000.00 15,000.00 19,500.00 19,000.00
18,500.00 194,000.00 15,000.00
Niranjan Salary 7,000.00 0.00 10,000.00 7,000.00 7,000.00 7,000.00 16,000.00 9,000.00 14,000.00
13,500.00 102,000.00 11,500.00
Nandisha Salary 8,000.00 8,000.00 8,000.00 8,000.00 8,000.002,000.008,000.00 10,000.00 10,000.00 10,000.00
10,000.00 100,000.00 10,000.00
Other INCOMES 50,000.00 140,000.00 300,000.00 80,000.00 60,000.00 1,216,708.00 276,700.00 279,000.00 175,000.00
2,577,408.00
Other 0.00
Income totals 205,700.00 288,700.00 464,250.00 232,000.00 228,400.00 1,394,362.00 151,000.00 499,700.00 448,446.00 348,946.00 301,000.00 189,000.00 4,751,504.00

EXPENSES
Savings
Chit Swathi 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00
Chit Moorthy KLR 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 90,000.00
SBI Savings 0.00
0.00
0.00
0.00
0.00
Savings totals 1,000.00 1,000.00 1,000.00 11,000.00 11,000.00 11,000.00 11,000.00 11,000.00 11,000.00 11,000.00 11,000.00 11,000.00 102,000.00

Payment Obligations
Bajaj Finance TV Loan 4,034.00 4,034.00 4,034.00 4,034.00 4,034.00 4,034.00 24,204.00
Bajaj Finance TV Loan 2 2,634.00 2,634.00 2,634.00 2,634.00 2,634.00 2,634.00 15,804.00
SBI Credit card 16,222.24 17,803.34 17,803.34 23,581.38 23,581.38 23,581.38 32,624.51 35,779.65 18,242.28 18,242.28 18,242.28 18,242.28 263,946.34
HDFC Credit card 23,719.04 23,719.04 23,719.04 19,261.83 10,459.40 10,459.40 8,641.40 15,379.88 15,379.88 11,900.19 11,900.19 11,900.19 186,439.48
Hosakote Property Loan 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 98,328.00
Hosakote Property Loan Swathi 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 141,840.00
Car Loan 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 195,096.00
Sarjapura House Loan 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 209,436.00
Akshaynagar House Loan 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 245,700.00
Car Top-up Loan 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 118,572.00
Bike Bullet Loan 6,050.00 6,050.00 6,050.00 6,050.00 6,050.00 6,050.00 69,731.00 106,031.00
Office Cash Loan 23,333.00 23,333.00 46,666.00 25,000.00 25,000.00 25,000.00 25,000.00 25,000.00 25,000.00 25,000.00 25,000.00 293,332.00
Bajaj Finance Personal Loan 8,250.00 8,250.00 8,250.00 8,250.00 8,250.00 8,250.00 290,549.00 340,049.00
Raghu Mobile Loan 2,102.00 2,102.00 2,102.00 2,102.00 2,102.00 2,102.00 12,612.00
Capital First Personal Loan 13,307.00 13,307.00 13,307.00 13,307.00 13,307.00 13,307.00 79,842.00
Venu Axis Bank Loan 12,833.00 12,833.00 12,833.00 12,833.00 12,833.00 12,833.00 12,833.00 89,831.00
Venu HDFC Loan 8,781.00 8,781.00 8,781.00 8,781.00 8,781.00 8,781.00 52,686.00
Naveen Loan 4,338.00 4,338.00 4,338.00 4,338.00 4,338.00 4,338.00 4,338.00 4,338.00 4,338.00 4,338.00 4,338.00 4,338.00 52,056.00
0.00
Payment obligation totals 174,763.28 176,344.38 199,677.38 154,332.21 170,529.78 183,362.78 549,885.91 199,499.53 181,962.16 178,482.47 178,482.47 178,482.47 2,525,804.82

Insurance
LIC Raghu 1 779.00 779.00 1,558.00
LIC Raghu 2 9,860.00 9,860.00 19,720.00
LIC Swathi 7,259.00 7,259.00 14,518.00
LIC Venu 6,215.00 6,215.00 12,430.00
LIC Venu 2 3,400.00 3,400.00 6,800.00
LIC Nandisha 2,901.00 2,901.00 5,802.00
LIC Naveen 6,215.00 6,215.00 12,430.00
LIC Niranjan 5,311.00 5,311.00 10,622.00
LIC Pushpa 2,802.00 2,802.00 5,604.00
LIC Siri 7,297.00 7,297.00 14,594.00
Insurance totals 18,311.00 0.00 13,260.00 0.00 8,038.00 12,430.00 18,311.00 0.00 13,260.00 0.00 8,038.00 12,430.00 104,078.00

Housing
Property taxes 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00
Rent 0.00
Storage locker 0.00
Home security 0.00
Home insurance 0.00
Other 0.00
Housing totals 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00

Utilities
Airtel Mobile charges 779.00 779.00 779.00 779.00 779.00 779.00 779.00 779.00 779.00 779.00 779.00 779.00 9,348.00
Natural gas 779.00 779.00 779.00 779.00 779.00 779.00 779.00 779.00 779.00 779.00 779.00 779.00 9,348.00
Building maintenance charges 1,500.00 1,500.00 1,500.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 22,500.00
Cable 450.00 450.00 450.00 450.00 450.00 450.00 450.00 450.00 450.00 450.00 450.00 450.00 5,400.00
Home telephone 0.00
Swathi Phone bill 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 3,600.00
Nandisha Phone bill 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 2,400.00
Internet 1,270.00 1,270.00 1,270.00 1,270.00 1,270.00 1,270.00 1,270.00 1,270.00 1,270.00 1,270.00 1,270.00 1,270.00 15,240.00
Other 0.00
Car and two wheelers washing 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00
Utilities totals 6,278.00 6,278.00 6,278.00 6,778.00 6,778.00 6,778.00 6,778.00 6,778.00 6,778.00 6,778.00 6,778.00 6,778.00 79,836.00

Household
Home repairs 0.00
Home improvements 0.00
Gardening supplies 0.00
Home décor 0.00
Other 0.00
Housing totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Living Costs
Provincial medical (MSP) 0.00
Groceries 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 66,000.00
Lunch & coffee breaks 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00
Laundry/dry cleaning 0.00
Work/professional clothing 0.00
Housecleaning service 0.00
Bank service charges 0.00
Milk 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 24,000.00
Other 0.00
Living costs totals 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 102,000.00

Health
Medical treatments 20,000.00 8,000.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 43,000.00
Dental 0.00
Orthodontics 0.00
Optical 0.00
Prescriptions 0.00
Over-the-counter drugs 0.00
Deductibles/out-of-pocket 0.00
Other 0.00
Health totals 20,000.00 8,000.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 43,000.00

Transportation
Gas/fuel – vehicle 1 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 24,000.00
Insurance – vehicle 1 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 3,600.00
Gas/fuel – vehicle 2 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 60,000.00
Insurance – vehicle 2 15,000.00 15,000.00
Insurance – vehicle 3 5,000.00 5,000.00
Insurance – vehicle 4 3,000.00 3,000.00
Parking 0.00
Maintenance 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 48,000.00
Repairs 0.00
Car wash/detailing services 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 24,000.00
Public transportation 0.00
Taxis 0.00
Bicycle costs 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 2,400.00
Car Tyres Changing 18,500.00 18,500.00
Other 0.00
Transportation totals 13,500.00 28,500.00 32,000.00 13,500.00 21,500.00 13,500.00 13,500.00 13,500.00 13,500.00 13,500.00 13,500.00 13,500.00 203,500.00

Children
Day-care 0.00
Babysitting 0.00
Activities 0.00
Lessons 0.00
Gokul Fees 30,000.00 30,000.00 15,000.00 15,000.00 90,000.00
Clothing 0.00
Siri School fees 12,000.00 45,500.00 26,800.00 26,800.00 13,400.00 124,500.00
School supplies 0.00
School fundraisers 0.00
Other 0.00
Children totals 30,000.00 12,000.00 0.00 45,500.00 0.00 56,800.00 15,000.00 0.00 26,800.00 15,000.00 13,400.00 0.00 214,500.00

Pets
Pet food 0.00
Veterinarians/pet medicines 0.00
Pet insurance 0.00
Other 0.00
Pet totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Personal
Clothing, including shoes 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 24,000.00
Tobacco 3,000.00 3,000.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 41,000.00
Alcohol 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00
Gifts – family 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00
Gifts – friends 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00
Gifts – hostess/housewarming 0.00
Haircuts 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 6,000.00
Personal grooming 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 6,000.00
Cosmetics 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 6,000.00
Salon services 0.00
Other 0.00
Personal totals 9,500.00 9,500.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 119,000.00

Education
Tuition fees 1,000.00 1,000.00 1,000.00 3,000.00
Books 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 2,400.00
Supplies (ink/paper/pens/etc) 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 2,400.00
Course materials (calculator) 0.00
Other 0.00
Education totals 1,400.00 1,400.00 1,400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 400.00 7,800.00

Entertainment
Dining out 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00
Lottery tickets/gambling/bingo 0.00
Entertaining at home/BBQ 0.00
Video/DVD rentals 0.00
Movies/plays 0.00
Books 0.00
Music (CDs, etc.) 0.00
Hockey/football/etc. pools 0.00
Concerts/clubs 0.00
Hobbies (e.g. crafts, baking…) 0.00
Other 0.00
Entertainment totals 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00

Recreation
Sports equipment 0.00
Activities 0.00
Team dues 0.00
Licenses 0.00
Other 0.00
Recreation totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Donations/Subscriptions
Magazines 0.00
Newspapers 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 1,800.00
Religious organizations 0.00
Charity 0.00
Other 0.00
Donation/subscription totals 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 1,800.00

Vacations/Travel
Plane fare 0.00
Accommodations, e.g. hotel 0.00
Camping fees 0.00
Food 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00
Recreation activities 0.00
Entertainment 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00
Souvenirs 0.00
Rental car 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 6,000.00
Spending money 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 12,000.00
Pet boarding/house sitter 0.00
Other 0.00
Vacation totals 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 42,000.00

Miscellaneous
Professional dues 0.00
Association fees 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 6,000.00
Gym membership 0.00
Annual family membership 0.00
Cloths for childrens and me and
family 30,000.00 30,000.00
Keerthan Wedding 25,000.00 25,000.00
LIC Venu balance paid 20,000.00 20,000.00
Laptop repair 1,350.00 1,350.00
Soundarya Wedding 600,000.00 200,000.00 50,000.00 850,000.00
Anoop brother inlaw wedding 10,000.00 10,000.00
Madanapalle Trip 17,500.00 17,500.00
Other 0.00
Miscellaneous totals 500.00 500.00 51,850.00 25,500.00 10,500.00 500.00 500.00 618,000.00 200,500.00 50,500.00 500.00 500.00 959,850.00

Total expenses 290,902.28 259,172.38 332,615.38 284,160.21 255,895.78 311,920.78 639,524.91 873,327.53 478,350.16 299,810.47 256,248.47 247,240.47 4,529,168.82
Cash short/extra -85,202.28 29,527.62 131,634.62 -52,160.21 -27,495.78 1,082,441.22 -488,524.91 -373,627.53 -29,904.16 49,135.53 44,751.53 -58,240.47 222,335.18
Raghu Monthly Spending Planner
Monthly Guideline
Jan Feb March April

INCOME
Salary 105,000.00 102,823.00 107,222.00 107,222.00
House Rent 4,000.00 9,000.00
Venu Salary 29,000.00 29,000.00 29,000.00 32,000.00
Naveen Salary 17,000.00 17,000.00 15,900.00 17,000.00
Niranjan Salary 12,000.00 12,000.00 12,000.00 12,000.00
Nandisha and Nagesh Salary 8,000.00 10,000.00 10,000.00
RVNS Projects 50,000.00
Other INCOMES 741,000.00
Other
Income totals 171,000.00 951,823.00 178,122.00 187,222.00

EXPENSES
Savings
Chit Swathi
Chit Moorthy KLR 10,000.00 10,000.00 10,000.00 10,000.00

SBI Savings

Savings totals 10,000.00 10,000.00 10,000.00 10,000.00

Payment Obligations
Bajaj Finance Venu mobile Loan 1,799.00 1,799.00 1,799.00 1,799.00
Bajaj Finance
SBI Credit card 19,028.00 19,028.00 6,444.17 6,444.17
HDFC Credit card 13,706.00 13,706.00 10,383.00 10,383.00
HDFC Credit card 5,068.55 5,068.55 5,068.55 5,068.55
Hosakote Property Loan 8,194.00 8,194.00 8,194.00 8,194.00
Hosakote Property Loan Swathi 11,820.00 11,820.00 11,820.00 11,820.00
Car Loan 16,258.00 16,258.00 16,258.00 16,258.00
Car Loan Top Up 2 16,856.00 16,856.00
Sarjapura House Loan 17,453.00 17,453.00 17,453.00 17,453.00
Akshaynagar House Loan 20,475.00 20,475.00 20,475.00 20,475.00
Car Top-up Loan 9,881.00 9,881.00 9,881.00 9,881.00
Naveen Bike Loan 3,802.00 3,802.00 3,802.00 3,802.00
Capital First Personal Loan 13,307.00 13,307.00 13,307.00 13,307.00
Venu Axis Bank Loan 12,833.00 12,833.00 12,833.00 12,833.00
Venu HDFC Loan 8,781.00 8,781.00 8,781.00 8,781.00
Naveen Loan 4,338.00
Lalith Jewells 5,000.00 5,000.00 5,000.00 5,000.00

Payment obligation totals 171,743.55 167,405.55 168,354.72 168,354.72

Insurance
LIC Raghu 1
LIC Raghu 2 9,860.00
LIC Swathi
LIC Venu
LIC Venu 2 3,400.00
LIC Nandisha 2,901.00
LIC Naveen
LIC Niranjan 5,311.00
LIC Pushpa 2,802.00
LIC Siri 7,297.00
Sanvi R 3,735.00
Gokul S 4,674.00

Insurance totals 18,311.00 0.00 21,669.00 0.00

Housing
Property taxes 1,000.00 1,000.00 1,000.00 1,000.00
Rent 8,500.00 8,500.00 8,500.00 8,500.00
Storage locker
Home security
Home insurance
Other
Housing totals 9,500.00 9,500.00 9,500.00 9,500.00

Utilities
Airtel Mobile charges 3,000.00 2,500.00 2,000.00 2,000.00
Natural gas 779.00 779.00 779.00 779.00
Building maintenance charges 3,500.00 3,500.00 3,500.00 3,500.00
Cable 650.00 650.00 650.00 650.00
Home telephone
Swathi Phone bill 300.00 300.00 300.00 300.00
Nandisha Phone bill 500.00 500.00 500.00 500.00
Internet 1,270.00 1,270.00 1,270.00 1,270.00
Other
Car and two wheelers washing 1,000.00 1,000.00 1,000.00 1,000.00
Utilities totals 10,999.00 10,499.00 9,999.00 9,999.00

Household
Home repairs
Home improvements
Gardening supplies
Home décor
Other
Housing totals 0.00 0.00 0.00 0.00

Living Costs
Provincial medical (MSP)
Groceries 7,000.00 7,000.00 7,000.00 7,000.00
Lunch & coffee breaks 1,000.00 1,000.00 1,000.00 1,000.00
Laundry/dry cleaning
Work/professional clothing
Housecleaning service
Bank service charges
Milk 2,000.00 2,000.00 2,000.00 2,000.00
Other
Living costs totals 10,000.00 10,000.00 10,000.00 10,000.00

Health
Medical treatments 5,000.00 5,000.00 5,000.00 5,000.00
Dental
Orthodontics
Optical
Prescriptions
Over-the-counter drugs
Deductibles/out-of-pocket
Other
Health totals 5,000.00 5,000.00 5,000.00 5,000.00

Transportation
Gas/fuel – vehicle 1 2,000.00 2,000.00 2,000.00 2,000.00
Insurance – vehicle 1 300.00 300.00 300.00 300.00
Gas/fuel – vehicle 2 5,000.00 5,000.00 5,000.00 5,000.00
Insurance – vehicle 2 15,000.00
Insurance – vehicle 3
Insurance – vehicle 4
Insurance – vehicle 1
Parking
Maintenance 4,000.00 4,000.00 4,000.00 4,000.00
Repairs
Car wash/detailing services 1,000.00 1,000.00 1,000.00 1,000.00
Public transportation
Taxis
Bicycle costs 200.00 200.00 200.00 200.00
Car Tyres Changing 24,000.00
Other
Transportation totals 12,500.00 27,500.00 36,500.00 12,500.00

Children
Day-care
Babysitting 6,000.00 6,000.00 6,000.00 6,000.00
Activities 1,000.00 1,000.00 1,000.00 1,000.00
Lessons
Gokul Fees 30,000.00
Clothing
Siri School fees 12,000.00 8,000.00 45,500.00
School supplies
School fundraisers
Other
Children totals 37,000.00 19,000.00 15,000.00 52,500.00

Pets
Pet food
Veterinarians/pet medicines
Pet insurance
Other
Pet totals 0.00 0.00 0.00 0.00

Personal
Clothing, including shoes 2,000.00 2,000.00 2,000.00 2,000.00
Tobacco 3,500.00 3,500.00 3,500.00 3,500.00
Alcohol 1,000.00 1,000.00 1,000.00 1,000.00
Gifts – family 1,000.00 1,000.00 1,000.00 1,000.00
Gifts – friends 1,000.00 1,000.00 1,000.00 1,000.00
Gifts – hostess/housewarming
Haircuts 500.00 500.00 500.00 500.00
Personal grooming 500.00 500.00 500.00 500.00
Cosmetics 500.00 500.00 500.00 500.00
Salon services
Other
Personal totals 10,000.00 10,000.00 10,000.00 10,000.00

Education
Tuition fees
Books 200.00 200.00 200.00 200.00
Supplies (ink/paper/pens/etc) 200.00 200.00 200.00 200.00
Course materials (calculator)
Other
Education totals 400.00 400.00 400.00 400.00

Entertainment
Dining out 1,000.00 1,000.00 1,000.00 1,000.00
Lottery tickets/gambling/bingo
Entertaining at home/BBQ
Video/DVD rentals
Movies/plays
Books
Music (CDs, etc.)
Hockey/football/etc. pools
Concerts/clubs
Hobbies (e.g. crafts, baking…)
Other
Entertainment totals 1,000.00 1,000.00 1,000.00 1,000.00

Recreation
Sports equipment
Activities
Team dues
Licenses
Other
Recreation totals 0.00 0.00 0.00 0.00

Donations/Subscriptions
Magazines
Newspapers 150.00 150.00 150.00 150.00
Religious organizations
Charity
Other
Donation/subscription totals 150.00 150.00 150.00 150.00

Vacations/Travel
Plane fare
Accommodations, e.g. hotel
Camping fees
Food 1,000.00 1,000.00 1,000.00 1,000.00
Recreation activities
Entertainment 1,000.00 1,000.00 1,000.00 1,000.00
Souvenirs
Rental car 1,500.00 1,500.00 1,500.00 1,500.00
Spending money 1,000.00 1,000.00 1,000.00 1,000.00
Pet boarding/house sitter
Other
Vacation totals 4,500.00 4,500.00 4,500.00 4,500.00

Miscellaneous
Professional dues
Association fees
Gym membership
Annual family membership
Cloths for childrens and me and
family
Wedding 1,500.00 1,500.00 1,500.00 1,500.00
Loans Closing 410,000.00
Laptop repair
Soundarya Wedding
Anoop brother inlaw wedding
Madanapalle Trip
Other
Miscellaneous totals 1,500.00 411,500.00 1,500.00 1,500.00

Total expenses 302,603.55 686,454.55 303,572.72 295,403.72

Cash short/extra -131,603.55 265,368.45 -125,450.72 -108,181.72
 May June July Aug Sept Oct Nov

107,222.00 107,222.00 107,222.00 107,222.00 107,222.00 107,222.00 107,222.00

9,000.00 9,000.00 9,000.00 9,000.00 9,000.00 9,000.00 9,000.00
32,000.00 32,000.00 32,000.00 32,000.00 32,000.00 32,000.00 32,000.00
17,000.00 17,000.00 17,000.00 17,000.00 17,000.00 17,000.00 17,000.00
12,000.00 12,000.00 12,000.00 12,000.00 12,000.00 12,000.00 12,000.00
10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00

200,000.00

187,222.00 187,222.00 187,222.00 387,222.00 187,222.00 187,222.00 187,222.00

10,000.00 10,000.00 10,000.00 10,000.00

10,000.00 10,000.00 10,000.00 10,000.00 0.00 0.00 0.00

1,799.00

6,444.17 6,444.17 6,444.17

10,383.00 10,383.00 10,383.00 10,383.00 10,383.00 10,383.00 10,383.00
5,068.55 5,068.55 5,068.55 5,068.55 5,068.55 5,068.55 5,068.55
8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00 8,194.00
11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00 11,820.00
16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00 16,258.00
16,856.00 16,856.00 16,856.00 16,856.00 16,856.00 16,856.00 16,856.00
17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00 17,453.00
20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00 20,475.00
9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00 9,881.00
3,802.00 3,802.00 3,802.00 3,802.00 3,802.00 3,802.00 3,802.00
13,307.00 13,307.00 13,307.00 13,307.00 13,307.00 13,307.00 13,307.00
12,833.00 12,833.00 12,833.00 12,833.00 12,833.00 12,833.00 12,833.00
8,781.00 8,781.00 8,781.00 8,781.00 8,781.00 8,781.00 8,781.00

5,000.00 5,000.00 5,000.00

168,354.72 166,555.72 166,555.72 155,111.55 155,111.55 155,111.55 155,111.55

 779.00 779.00
9,860.00
7,259.00 7,259.00
6,215.00
3,400.00
2,901.00
6,215.00
5,311.00
2,802.00
7,297.00
3,735.00
4,674.00

8,038.00 12,430.00 18,311.00 0.00 21,669.00 0.00 8,038.00

1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00

8,500.00

9,500.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00

2,000.00 2,000.00 779.00 779.00 779.00 779.00 779.00

779.00 779.00 779.00 779.00 779.00 779.00 779.00
3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00
650.00 650.00 650.00 650.00 650.00 650.00 650.00

300.00 300.00 300.00 300.00 300.00 300.00 300.00

500.00 500.00 500.00 500.00 500.00 500.00 500.00
1,270.00 1,270.00 1,270.00 1,270.00 1,270.00 1,270.00 1,270.00

1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00

9,999.00 9,999.00 8,778.00 8,778.00 8,778.00 8,778.00 8,778.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

 7,000.00 7,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00
1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00

2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00

10,000.00 10,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00

5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00

5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00

2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00

300.00 300.00 300.00 300.00 300.00 300.00 300.00
5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00

5,000.00
3,000.00
3,000.00

4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00 4,000.00

1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00

200.00 200.00 200.00 200.00 200.00 200.00 200.00

23,500.00 12,500.00 12,500.00 12,500.00 12,500.00 12,500.00 12,500.00

6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00 6,000.00

1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00

30,000.00 15,000.00 15,000.00

26,800.00 26,800.00 13,400.00

 7,000.00 63,800.00 22,000.00 7,000.00 33,800.00 22,000.00 20,400.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00

3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00 3,500.00
1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00
1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00
1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00

500.00 500.00 500.00 500.00 500.00 500.00 500.00

500.00 500.00 500.00 500.00 500.00 500.00 500.00
500.00 500.00 500.00 500.00 500.00 500.00 500.00

10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00

200.00 200.00 200.00 200.00 200.00 200.00 200.00

200.00 200.00 200.00 200.00 200.00 200.00 200.00

400.00 400.00 400.00 400.00 400.00 400.00 400.00

1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00

1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00

 0.00 0.00 0.00 0.00 0.00 0.00 0.00

150.00 150.00 150.00 150.00 150.00 150.00 150.00

150.00 150.00 150.00 150.00 150.00 150.00 150.00

1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00

1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00

1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00

1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00

4,500.00 4,500.00 4,500.00 4,500.00 4,500.00 4,500.00 4,500.00

1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00

1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00

268,941.72 308,834.72 268,694.72 223,939.55 262,408.55 228,939.55 235,377.55

-81,719.72 -121,612.72 -81,472.72 163,282.45 -75,186.55 -41,717.55 -48,155.55
 Dec Year

107,222.00 1,280,043.00
9,000.00 85,000.00
32,000.00 375,000.00
17,000.00 202,900.00
12,000.00 144,000.00
10,000.00 108,000.00
50,000.00
941,000.00
0.00
187,222.00 3,185,943.00

0.00
80,000.00
0.00
0.00
0.00
0.00
0.00
0.00 80,000.00

8,995.00
0.00
70,276.85
10,383.00 131,242.00
5,068.55 60,822.60
8,194.00 98,328.00
11,820.00 141,840.00
16,258.00 195,096.00
16,856.00 168,560.00
17,453.00 209,436.00
20,475.00 245,700.00
9,881.00 118,572.00
3,802.00 45,624.00
13,307.00 159,684.00
12,833.00 153,996.00
8,781.00 105,372.00
4,338.00
35,000.00
0.00
155,111.55 1,952,882.45
 1,558.00
19,720.00
14,518.00
6,215.00 12,430.00
6,800.00
5,802.00
6,215.00 12,430.00
10,622.00
5,604.00
14,594.00
7,470.00
9,348.00

12,430.00 120,896.00

1,000.00 12,000.00
42,500.00
0.00
0.00
0.00
0.00
1,000.00 54,500.00

779.00 18,174.00
779.00 9,348.00
3,500.00 42,000.00
650.00 7,800.00
0.00
300.00 3,600.00
500.00 6,000.00
1,270.00 15,240.00
0.00
1,000.00 12,000.00
8,778.00 114,162.00

0.00
0.00
0.00
0.00
0.00
0.00 0.00
 0.00
4,000.00 66,000.00
1,000.00 12,000.00
0.00
0.00
0.00
0.00
2,000.00 24,000.00
0.00
7,000.00 102,000.00

5,000.00 60,000.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5,000.00 60,000.00

2,000.00 24,000.00
300.00 3,600.00
5,000.00 60,000.00
15,000.00
5,000.00
3,000.00
3,000.00
0.00
4,000.00 48,000.00
0.00
1,000.00 12,000.00
0.00
0.00
200.00 2,400.00
24,000.00
0.00
12,500.00 200,000.00

0.00
6,000.00 72,000.00
1,000.00 12,000.00
0.00
90,000.00
0.00
132,500.00
0.00
0.00
 0.00
7,000.00 306,500.00

0.00
0.00
0.00
0.00
0.00 0.00

2,000.00 24,000.00
3,500.00 42,000.00
1,000.00 12,000.00
1,000.00 12,000.00
1,000.00 12,000.00
0.00
500.00 6,000.00
500.00 6,000.00
500.00 6,000.00
0.00
0.00
10,000.00 120,000.00

0.00
200.00 2,400.00
200.00 2,400.00
0.00
0.00
400.00 4,800.00

1,000.00 12,000.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,000.00 12,000.00

0.00
0.00
0.00
 0.00
0.00
0.00 0.00

0.00
150.00 1,800.00
0.00
0.00
0.00
150.00 1,800.00

0.00
0.00
0.00
1,000.00 12,000.00
0.00
1,000.00 12,000.00
0.00
1,500.00 18,000.00
1,000.00 12,000.00
0.00
0.00
4,500.00 54,000.00

0.00
0.00
0.00
0.00

0.00
1,500.00 18,000.00
410,000.00
0.00
0.00
0.00
0.00
0.00
1,500.00 428,000.00

226,369.55 3,611,540.45
-39,147.55 -425,597.45
 Hand Loan Details
Sl No Name Amount Cleared Not Cleared Date of cleared Purpose of loan taken
1 Suresh LKR 100000 100000
2 Suresh LKR Office Loan 225000 100000 100000
3 Ramesh MN 100000 100000 0
4 Nichanakunte Thata 50000 50000
5 Kolar Murthy 50000 50000 0 Cleared on 23rd June 2016
Wood Supplier,Painting,
6 Sachin 870000 500000 370000 Hardware, Tiles, Sofa,
Labour
7 Sarjapura house advance 50000 50000
8 Arun CKP 90000 50000 40000

Grand Total 1535000 800000 710000

Amount to Come 582500

Balance to be Paid 127500

Suresh Loan Details

Date Princple Intrest Total Paid Outstanding
Intrest 14%
Months ( 5 Years ) 12
Loan Taken 250000 5910
Suresh Loan amount for
Loan amount received only 225000, balance 25000 with bescom Hosakote property Suresh Paid
1 6-May-15 4,000 2,917 246,000 5910 6,917
2 5-Jun-15 4,000 2,870 47 242,000 11820 13,787
3 5-Jul-15 4,000 2,823 47 238,000 17730 20,610
4 5-Aug-15 4,000 2,777 47 234,000 23640 27,387
5 4-Sep-15 4,000 2,730 47 230,000 29550 34,117
 6 5-Oct-15 4,000 2,683 47 226,000 35460 40,800
7 4-Nov-15 4,000 2,637 47 222,000 41370 47,437
8 5-Dec-15 4,000 2,590 47 218,000 47280 54,027
9 4-Jan-16 4,000 2,543 47 214,000 53190 60,570
10 4-Feb-16 4,000 2,497 47 210,000 59100 67,067
11 5-Mar-16 4,000 2,450 47 206,000 65010 73,517
12 4-Apr-16 4,000 2,403 47 202,000 70920 79,920
13 5-May-16 4,000 2,357 47 198,000 76830 86,277
14 4-Jun-16 4,000 2,310 47 194,000 82740 92,587
15 5-Jul-16 4,000 2,263 47 190,000 88650 98,850
16 4-Aug-16 4,000 2,217 47 186,000 94560 105,067
17 4-Sep-16 4,000 2,170 47 182,000 100470 111,237
18 4-Oct-16 4,000 2,123 47 178,000 106380 117,360
19 4-Nov-16 4,000 2,077 47 174,000 112290 123,437
20 4-Dec-16 4,000 2,030 47 170,000 118200 129,467
21 4-Jan-17 4,000 1,983 47 166,000 124110 135,450
22 3-Feb-17 4,000 1,937 47 162,000 130020 141,387
23 5-Mar-17 4,000 1,890 47 158,000 135930 147,277
24 5-Apr-17 4,000 1,843 47 154,000 141840 153,120
25 5-May-17 4,000 1,797 47 150,000 147750 158,917
26 5-Jun-17 4,000 1,750 47 146,000 153660 164,667
27 5-Jul-17 4,000 1,703 47 142,000 159570 170,370
28 5-Aug-17 4,000 1,657 47 138,000 165480 176,027
29 4-Sep-17 4,000 1,610 47 134,000 171390 181,637
30 5-Oct-17 4,000 1,563 47 130,000 177300 187,200
31 4-Nov-17 4,000 1,517 47 126,000 183210 192,717
32 4-Dec-17 4,000 1,470 47 122,000 189120 198,187
33 4-Jan-18 4,000 1,423 47 118,000 195030 203,610
34 3-Feb-18 4,000 1,377 47 114,000 200940 208,987
35 6-Mar-18 4,000 1,330 47 110,000 206850 214,317
36 5-Apr-18 4,000 1,283 47 106,000 212760 219,600
37 6-May-18 4,000 1,237 47 102,000 218670 224,837
38 5-Jun-18 4,000 1,190 47 98,000 224580 230,027
39 6-Jul-18 4,000 1,143 47 94,000 230490 235,170
40 5-Aug-18 4,000 1,097 47 90,000 236400 240,267
41 5-Sep-18 4,000 1,050 47 86,000 242310 245,317
42 5-Oct-18 4,000 1,003 47 82,000 248220 250,320
43 4-Nov-18 4,000 957 47 78,000 254130 255,277
44 5-Dec-18 4,000 910 47 74,000 260040 260,187
45 4-Jan-19 4,000 863 47 70,000 265950 265,050
46 4-Feb-19 4,000 817 47 66,000 271860 269,867
47 6-Mar-19 4,000 770 47 62,000 277770 274,637
48 6-Apr-19 4,000 723 47 58,000 283680 279,360
49 6-May-19 4,000 677 47 54,000 289590 284,037
50 6-Jun-19 4,000 630 47 50,000 295500 288,667
51 6-Jul-19 4,000 583 47 46,000 301410 293,250
52 5-Aug-19 4,000 537 47 42,000 307320 297,787
53 5-Sep-19 4,000 490 47 38,000 313230 302,277
54 5-Oct-19 4,000 443 47 34,000 319140 306,720
55 5-Nov-19 4,000 397 47 30,000 325050 311,117
56 5-Dec-19 4,000 350 47 26,000 330960 315,467
57 5-Jan-20 4,000 303 47 22,000 336870 319,770
58 4-Feb-20 4,000 257 47 18,000 342780 324,027
59 6-Mar-20 4,000 210 47 14,000 348690 328,237
60 5-Apr-20 4,000 163 47 10,000 354600 332,400
61 6-May-20 4,000 117 47 6,000 360510 336,517
62 5-Jun-20 4,000 70 47 2,000 366420 340,587
63 5-Jul-20 2,000 23 47 -
250,000 92,610
 Amount to Come
Sl No Name Amount Recived Amount Received On Remarks
1 Bychegowda Rojarpalli 10,000.00
2 Krishanappa Ankatattahalli 30,000.00 Given on 6th Jan 2015
Vadave for duagter marriage Given on
3 Krishanappa Ankatattahalli 60,000.00 10th Oct 2015
4 Nagaraj Kullangi 5,000.00 Given on 2nd June 2015
5 Nagaraj Shyamur 20,000.00 Given on 6th June 2015
6 Nagaraj Shyamur 15,000.00 10th May 2014
7 Rajshekar Reddy 100,000.00 Dec-13
8 Ramesh Shyamur 9,000.00 10-May-17
9 Subramani Kammasandra Achari 15,000.00 Given on 6th June 2014
10 Turandahalli Venkatesh 150,000.00 19-Jun-14
11 Saritha 10,000.00
12 Guleddu Venkatesh 5,000.00 Given on 6th Aug 2015
13 Nukkanahalli Srinivas 50,000.00 Sep-15
14 Kudavanahalli Srinivas 20,000.00
15 Kotesh 10,000.00 6500
16 Nanjunda Patel 20,000.00 02-Jul-16
17 Manju Cab 10,000.00 16-Jul-16
18 Ashok Kammasandra 50,000.00 01-Jun-17

Grand Total 589,000.00 6,500.00

Moorthy Chit Details

1 65000 130,000.00 10,000.00 10-Apr-16
2 0 0.00 20,000.00 10-May-16
3 70000 140,000.00 30,000.00 10-Jun-16
4 71000 142,000.00 40,000.00 10-Jul-16
5 72000 144,000.00 50,000.00 10-Aug-16
6 73000 146,000.00 60,000.00 10-Sep-16
7 74000 148,000.00 70,000.00 10-Oct-16
8 75000 150,000.00 80,000.00 10-Nov-16
9 76000 152,000.00 90,000.00 10-Dec-16
10 78000 156,000.00 100,000.00 10-Jan-17
11 79000 158,000.00 110,000.00 10-Feb-17
12 81500 163,000.00 120,000.00 10-Mar-17
13 83500 167,000.00 130,000.00 10-Apr-17
14 86000 172,000.00 140,000.00 10-May-17
15 88000 176,000.00 150,000.00 10-Jun-17
16 90000 180,000.00 160,000.00 10-Jul-17
17 100000 200,000.00 170,000.00 10-Aug-17
 Loan
Pricipal Amount Loan Start Loan End Total Loan Balance Balance
Sl No Payment Obiligation Bank Name Loan Amount Tenure in EMI Amount Bank Name Date Till Date Paid Intrest Amount
Balance Date Date Amount payable Amount Month
Months

Indiabulls Housing
1 Hosakote Property Loan 840,375 795,459 10-Aug-13 10-Nov-34 238 1,950,172.00 8,194.00 SBM 10th 1597830.00 195.00 352342.00 1109797.00
Finance Limited

2 Hosakote Loan Swathi LIC Finance Limited 890,375 695,805 10-Mar-24 120 1,418,400.00 11,820.00 SWATHI 10th 791940.00 67.00 626460.00 528025.00

Indiabulls Housing
3 Sarjapura House Loan 1,688,167 1,688,167 10-May-17 10-Apr-32 229 3,818,346.00 16,674.00 SBM 10th 2734536.00 164.00 1083810.00 2130179.00
Finance Limited
3,418,917 3,179,431 36,688 5,124,306 3,768,001
4 HDFC Credit card HDFC 145,300 88,901 05-Aug-16 05-Jul-18 24 163,959.36 6,831.64 HDFC 25th -13663.28 -2.00 177622.64 18659.36
5 HDFC Credit card HDFC 40,000 30,439 05-Mar-17 05-Feb-18 12 42,620.52 3,551.71 HDFC 25th -24861.97 -7.00 67482.49 2620.52
185,300 119,340 10,383 -38,525 21,280
6 Car Loan HDFC 754,438 295,836 05-Feb-14 05-Jan-19 60 975,480.00 16,258.00 HDFC 5th 81290.00 5.00 894190.00 221042.00
7 Car Topup Loan HDFC 365,000 214,308 05-Jul-15 05-Jun-19 48 474,288.00 9,881.00 HDFC 5th 98810.00 10.00 375478.00 109288.00
8 Car Topup Loan 2 HDFC 745,000 727,025 05-Apr-17 05-Mar-22 60 1,011,360.00 16,856.00 HDFC 5th 724808.00 43.00 286552.00 266360.00
8 Personal Loan CAPITAL FIRST 453,000 400,313 05-Jul-16 05-Jun-20 48 638,736.00 13,307.00 SBM 5th 292754.00 22.00 345982.00 185736.00
2,317,438 1,637,482 56,302 1,197,662 782,426
L&T Housing Finance
9 Akshaynagar House Loan 2,100,000 2,012,178 07-Feb-15 07-Aug-33 223 4,565,925.00 20,475.00 SBM 7th 3685500.00 180.00 880425.00 2465925.00
Limited
10 HDFC Credit card Loan HDFC 150,000 114,072 05-Aug-16 05-Jul-19 36 182,467.80 5,068.55 HDFC 25th 55754.05 11.00 126713.75 32467.80

2,100,000 2,126,250 25,544 3,685,500 2,465,925

11 SBI Credit Card SBI 92,679 82,830 17-May-17 17-Jan-18 9 97,884.00 10,876.00 SBM 7th -87008.00 -8.00 184892.00 5205.00
12 SBI Credit Card SBI 63,147 52,899 17-May-17 17-Oct-17 6 65,515.02 10,919.17 SBM 7th -120110.87 -11.00 185625.89 2368.02
155,826 135,728 21,795 -207,119 7,573
13 Venu Axis Bank Axis Bank 500,000 430,702 05-May-16 05-Apr-21 60 769,980.00 12,833.00 AXIS 4th 410656.00 32.00 359324.00 269980.00
14 Venu HDFC Bank HDFC 300,000 257,851 05-Jun-16 05-May-20 48 421,488.00 8,781.00 AXIS 5th 184401.00 21.00 237087.00 121488.00
800,000 688,553 21,614 595,057 596,411 391,468
15 Naveen Bike Loan ICICI 69,511 61,805 07-Oct-16 07-Aug-18 22 83,644.00 3,802.00 ICICI 7th -3802.00 -1.00 87446.00 14133.01

69,511 61,805 3,802 -3,802 87,446 14,133

16 AMEX CARD BILL AMEX 6,000.00 SBM 30th

17 HDFC Credit card bill HDFC HDFC 25th

18 SBI Credit card bill SBI SBM 30th
19 KLR Moorthy Chit 10-Apr-16 10-Sep-17 17 10,000.00 SBM 15th -120000.00 -12.00 290000.00

20 Lalitha Jewellary Chit LBGGSGSDUD000758 25-Aug-16 10-Jul-17 12 5,000.00 SBM 15th -70000.00 -14.00 130000.00

21 House rent 9,700.00 SBM 3rd

22 Childrens school fees SBM 3rd

0 0 30,700 -190,000 420,000

Grand Total per Month 9,046,992 7,948,588 0 206,828 10,163,079 7,795,290 6,696,886
Sl No Payment Obiligation EMI Amount Bank Name Date 12,833 Venu Axis 4th

1 Hosakote Property Loan 8,194.00 SBM 10th 8,781.00 Venu Axis 5th
2 Hosakote Loan Swathi 11,820.00 SWATHI 10th 17,200.00 SBM 5th 68,100.00
3 Sarjapura House Loan 16,674.00 SBM 10th 26,139.00 HDFC 5th 176,861.00
SBM House loan
36,688 20,475.00 64,825.00
7th
4 HDFC Credit card 6,831.64 HDFC 25th 24,868.00 10th SBM 60,432.00
5 HDFC Credit card 3,551.71 HDFC 25th 5,068.55 25th HDFC 197,931.45
10,383 25,543.55 25th HDFC -25,543.55
6 Car Loan 16,258.00 HDFC 5th
7 Car Topup Loan 9,881.00 HDFC 5th 115,364.55 Total
8 Car Topup Loan 2 16,856.00 HDFC 5th
8 Personal Loan 13,307.00 SBM 5th
SBM SHORTAGE
56,302 -20,757.00
FUND
HDFC SHORTAGE
9 Akshaynagar House Loan 20,475.00 SBM 7th -166,861.00
FUND
10 HDFC Credit card Loan 5,068.55 HDFC 25th Minumum Balance
25,544 85,300.00 SBM 2000
11 SBI Credit Card 10,876.00 SBM 7th 203,000.00 HDFC 10000
12 SBI Credit Card 10,919.17 SBM 7th - ICICI 1000
21,795 4,000.00 Naveen ICICI 2000
13 Venu Axis Bank 12,833.00 AXIS 4th 24,800.00 Venu Axis 10000
14 Venu HDFC Bank 8,781.00 AXIS 5th 3,500.00 Venu SBM 2000
21,614 500.00 Swathi 1000
15 Naveen Bike Loan 3,802.00 ICICI 7th - Niranjan 2000
3,802 321,100.00 amount in bank 2000
16 AMEX CARD BILL 6,000.00 SBM 30th -114,450.45 Shortage of fund 32000
17 HDFC Credit card bill HDFC 25th
18 SBI Credit card bill SBM 30th
19 KLR Moorthy Chit 10,000.00 SBM 15th
20 Lalitha Jewellary Chit 5,000.00 SBM 15th
21 House rent 9,700.00 SBM 3rd
22 Childrens school fees SBM 3rd

30,700
Grand Total per Month 206,828

191,128 158,950
 Very good time for House construction
Start Date End Date In Months
Wednesday, November 15, 2000 Thursday, July 17, 2003 32.00
Wednesday, October 03, 2012 Monday, July 22, 2013 9.59
Friday, August 16, 2019 Tuesday, December 15, 2020 16.00
Wednesday, March 01, 2028 Monday, February 05, 2029 11.20
Wednesday, May 28, 2036 Friday, October 22, 2038 28.81
Monday, November 03, 2053 Tuesday, May 16, 2056 30.39
Tuesday, May 16, 2056 Thursday, August 22, 2058 27.20
Thursday, August 22, 2058 Tuesday, July 29, 2059 11.20
SL No Months Amount paid 3% Intrest
1 Apr-17 10,000 300
2 May-17 20,000 600
3 Jun-17 30,000 900
4 Jul-17 40,000 1,200
5 Aug-17 50,000 1,500
6 Sep-17 60,000 1,800
7 Oct-17 70,000 2,100
8 Nov-17 70,000 2,100
9 Dec-17 80,000 2,400
10 Jan-18 90,000 2,700
11 Feb-18 100,000 3,000
12 Mar-18 110,000 3,300
13 Apr-18 120,000 3,600
14 May-18 130,000 3,900
15 Jun-18 140,000 4,200
16 Jul-18 150,000 4,500
17 Aug-18 160,000 4,800
18 Sep-18 170,000 42,900

212,900