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1.

FAMILY INCOME THIS MONTH


DETAILS ESTIMATED AMOUNT (RM) DATE
Own Income 3,600.00 25/12/06
Spouse's Income 1,600.00 25/12/06
Part-time Job
House Rental
INCOME

Business
Dividend/Bonus
Other
1)
2)
3)
Total a 5,200.00
Income Tax 156.00 25/12/06
TAX / ZAKAT

Total b 156.00

Amount that can be used


(c = a - b) 5,044.00

3. FIXED MONTHLY EXPENSES


DETAILS ESTIMATED TOTAL (RM) DATE
Contribution 100.00 01/03/07
AUTOMATIC PAYMENT FROM BANK
ACCOUNT

Total (1) 100.00

Electricity 100.00 30/12/06


Water 50.00 30/12/06
Membership Fee 10.00 30/12/06
House Rent 500.00 01/01/07
Child Care 300.00 01/01/07
Telephone 100.00 01/02/07
Others
1)
2)
3)
CASH PAYMENT
CASH P

Total (2) 1,060.00


Total e = (1) + (2) 1,160.00
2. FIXED PAYMENT/DEDUCTION FROM INCOME
ACTUAL AMOUNT (RM) DETAILS

SAVINGS/INVESTMENT
3,600.00 EPF
1,600.00 Tabung Haji
Unit Trust
Bank Savings
Education Insurance

Total (1)
Instalment
5,200.00
156.00

LOANS
156.00

5,044.00 Total (2)


OTHERS

Total (3)
Total d = (1) + (2) + (3)

4. CALCULATE THE REMAINING BALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED
ACTUAL TOTAL (RM)
100.00

Balance that you can use this m

f=c-d-e

1,833.00
How this money is spent is the key of your b
Plan your spending wisely using the t

100.00 5. HOW YOU EXPECT TO SPEND THE BALANCE

150.00 DETAILS
100.00 Food
10.00 Transport
500.00 Education
200.00 Clothing
200.00 Medical
Entertainment
CASH PAYMENT / CREDIT CARD

Others
1)
2)
3)
CASH PAYMEN
1,160.00
1,260.00 Total f

6. SUMMARY OF MONTHLY INCOME, EXPENSES & SAVINGS


DETAILS
Family income
Fixed payment/deduction from income
Fixed monthly expenses
Other expenses (food, transport, medical, etc)
Savings for this month

SUMMARY

Total
ROM INCOME
ESTIMATED AMOUNT (RM) DATE ACTUAL AMOUNT (RM)
676.00 676.00
200.00 200.00
200.00 200.00
500.00
475.00

2,051.00 1,076.00

0.00 0.00

0.00 0.00
2,051.00 1,076.00

ALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED THE RELEVANT AMOUNT

Balance that you can use this month

f=c-d-e

1,833.00
How this money is spent is the key of your balance spending.
Plan your spending wisely using the table below.

ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)


600.00 535.00
420.00 320.00
210.00 235.00
203.00 195.00
100.00 90.00
50.00 38.00
50.00 50.00
1,633.00 1,463.00

E, EXPENSES & SAVINGS


ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)

ort, medical, etc)

0.00 0.00
1. FAMILY INCOME THIS MONTH
DETAILS ESTIMATED AMOUNT (RM) DATE
Own Income 3,600.00 25/12/06
Spouse's Income 1,600.00 25/12/06
Part-time Job
House Rental
INCOME

Business
Dividend/Bonus
Other
1)
2)
3)
Total a 5,200.00
Income Tax 156.00 25/12/06
TAX / ZAKAT

Total b 156.00

Amount that can be used


(c = a - b) 5,044.00

3. FIXED MONTHLY EXPENSES


DETAILS ESTIMATED TOTAL (RM) DATE
Contribution 100.00 01/03/07
AUTOMATIC PAYMENT FROM BANK
ACCOUNT

Total (1) 100.00

Electricity 100.00 30/12/06


Water 50.00 30/12/06
Membership Fee 10.00 30/12/06
House Rent 500.00 01/01/07
Child Care 300.00 01/01/07
Telephone 100.00 01/02/07
Others
1)
2)
3)
CASH PAYMENT
CASH

Total (2) 1,060.00


Total e = (1) + (2) 1,160.00
2. FIXED PAYMENT/DEDUCTION FROM INCOME
ACTUAL AMOUNT (RM) DETAILS

SAVINGS/INVESTMENT
3,600.00 EPF
1,600.00 Tabung Haji
Unit Trust
Bank Savings
Education Insurance

Total (1)
Instalment
5,200.00
156.00

LOANS
156.00

5,044.00 Total (2)


OTHERS

Total (3)
Total d = (1) + (2) + (3)

4. CALCULATE THE REMAINING BALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED
ACTUAL TOTAL (RM)
100.00

Balance that you can use this m

f=c-d-e

1,833.00
How this money is spent is the key of your b
Plan your spending wisely using the t

100.00 5. HOW YOU EXPECT TO SPEND THE BALANCE

150.00 DETAILS
100.00 Food
10.00 Transport
500.00 Education
200.00 Clothing
200.00 Medical
Entertainment
Others
1)
2)
3)
INCOME
I
1,160.00
1,260.00 Total f

6. SUMMARY OF MONTHLY INCOME, EXPENSES & SAVINGS


DETAILS
Family income
Fixed payment/deduction from income
Fixed monthly expenses
Other expenses (food, transport, medical, etc)
Savings for this month

SUMMARY

Total
ROM INCOME
ESTIMATED AMOUNT (RM) DATE ACTUAL AMOUNT (RM)
676.00 676.00
200.00 200.00
200.00 200.00
500.00
475.00

2,051.00 1,076.00

0.00 0.00

0.00 0.00
2,051.00 1,076.00

ALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED THE RELEVANT AMOUNT

Balance that you can use this month

f=c-d-e

1,833.00
How this money is spent is the key of your balance spending.
Plan your spending wisely using the table below.

ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)


600.00 535.00
420.00 320.00
210.00 235.00
203.00 195.00
100.00 90.00
50.00 38.00
50.00 50.00
1,633.00 1,463.00

E, EXPENSES & SAVINGS


ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)

ort, medical, etc)

0.00 0.00
1. FAMILY INCOME THIS MONTH
DETAILS ESTIMATED AMOUNT (RM) DATE
Own Income 3,600.00 25/12/06
Spouse's Income 1,600.00 25/12/06
Part-time Job
House Rental
INCOME

Business
Dividend/Bonus
Other
1)
2)
3)
Total a 5,200.00
Income Tax 156.00 25/12/06
TAX / ZAKAT

Total b 156.00

Amount that can be used


(c = a - b) 5,044.00

3. FIXED MONTHLY EXPENSES


DETAILS ESTIMATED TOTAL (RM) DATE
Contribution 01/03/07
AUTOMATIC PAYMENT FROM BANK
ACCOUNT

Total (1) 0.00

Electricity 100.00 30/12/06


Water 50.00 30/12/06
Membership Fee 10.00 30/12/06
House Rent 500.00 01/01/07
Child Care 300.00 01/01/07
Telephone 100.00 01/02/07
Others
1)
2)
3)
CASH PAYMENT
CASH P

Total (2) 1,060.00


Total e = (1) + (2) 1,060.00
2. FIXED PAYMENT/DEDUCTION FROM INCOME
ACTUAL AMOUNT (RM) DETAILS

SAVINGS/INVESTMENT
3,600.00 EPF
1,600.00 Tabung Haji
Unit Trust
Bank Savings
Education Insurance

Total (1)
Instalment
5,200.00
156.00

LOANS
156.00

5,044.00 Total (2)


OTHERS

Total (3)
Total d = (1) + (2) + (3)

4. CALCULATE THE REMAINING BALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED
ACTUAL TOTAL (RM)
100.00

Balance that you can use this m

f=c-d-e

1,933.00
How this money is spent is the key of your b
Plan your spending wisely using the t

100.00 5. HOW YOU EXPECT TO SPEND THE BALANCE

150.00 DETAILS
100.00 Food
10.00 Transport
500.00 Education
200.00 Clothing
200.00 Medical
Entertainment
Others
1)
2)
3)
INCOME
INC
1,160.00
1,260.00 Total f

6. SUMMARY OF MONTHLY INCOME, EXPENSES & SAVINGS


DETAILS
Family income
Fixed payment/deduction from income
Fixed monthly expenses
Other expenses (food, transport, medical, etc)
Savings for this month

SUMMARY

Total
ROM INCOME
ESTIMATED AMOUNT (RM) DATE ACTUAL AMOUNT (RM)
676.00 676.00
200.00 200.00
200.00 200.00
500.00
475.00

2,051.00 1,076.00

0.00 0.00

0.00 0.00
2,051.00 1,076.00

ALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED THE RELEVANT AMOUNT

Balance that you can use this month

f=c-d-e

1,933.00
How this money is spent is the key of your balance spending.
Plan your spending wisely using the table below.

ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)


600.00
420.00 320.00
210.00 235.00
203.00 195.00
100.00 90.00
50.00 38.00
50.00 50.00
1,633.00 928.00

E, EXPENSES & SAVINGS


ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)

ort, medical, etc)

0.00 0.00
1. FAMILY INCOME THIS MONTH
DETAILS ESTIMATED AMOUNT (RM) DATE
Own Income 3,600.00 25/12/06
Spouse's Income 1,600.00 25/12/06
Part-time Job
House Rental
INCOME

Business
Dividend/Bonus
Other
1)
2)
3)
Total a 5,200.00
Income Tax 156.00 25/12/06
TAX / ZAKAT

Total b 156.00

Amount that can be used


(c = a - b) 5,044.00

3. FIXED MONTHLY EXPENSES


DETAILS ESTIMATED TOTAL (RM) DATE
Contribution 100.00 01/03/07
AUTOMATIC PAYMENT FROM BANK
ACCOUNT

Total (1) 100.00

Electricity 100.00 30/12/06


Water 50.00 30/12/06
Membership Fee 10.00 30/12/06
House Rent 500.00 01/01/07
Child Care 300.00 01/01/07
Telephone 100.00 01/02/07
Others
1)
2)
3)
CASH PAYMENT
CASH

Total (2) 1,060.00


Total e = (1) + (2) 1,160.00
2. FIXED PAYMENT/DEDUCTION FROM INCOME
ACTUAL AMOUNT (RM) DETAILS

SAVINGS/INVESTMENT
3,600.00 EPF
1,600.00 Tabung Haji
Unit Trust
Bank Savings
Education Insurance

Total (1)
Instalment
5,200.00
156.00

LOANS
156.00

5,044.00 Total (2)


OTHERS

Total (3)
Total d = (1) + (2) + (3)

4. CALCULATE THE REMAINING BALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED
ACTUAL TOTAL (RM)
100.00

Balance that you can use this m

f=c-d-e

1,833.00
How this money is spent is the key of your b
Plan your spending wisely using the t

100.00 5. HOW YOU EXPECT TO SPEND THE BALANCE

150.00 DETAILS
100.00 Food
10.00 Transport
500.00 Education
200.00 Clothing
200.00 Medical
Entertainment
Others
1)
2)
3)
INCOME
I
1,160.00
1,260.00 Total f

6. SUMMARY OF MONTHLY INCOME, EXPENSES & SAVINGS


DETAILS
Family income
Fixed payment/deduction from income
Fixed monthly expenses
Other expenses (food, transport, medical, etc)
Savings for this month

SUMMARY

Total
ROM INCOME
ESTIMATED AMOUNT (RM) DATE ACTUAL AMOUNT (RM)
676.00 676.00
200.00 200.00
200.00 200.00
500.00
475.00

2,051.00 1,076.00

0.00 0.00

0.00 0.00
2,051.00 1,076.00

ALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED THE RELEVANT AMOUNT

Balance that you can use this month

f=c-d-e

1,833.00
How this money is spent is the key of your balance spending.
Plan your spending wisely using the table below.

ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)


600.00 535.00
420.00 320.00
210.00 235.00
203.00 195.00
100.00 90.00
50.00 38.00
50.00 50.00
1,633.00 1,463.00

E, EXPENSES & SAVINGS


ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)

ort, medical, etc)

0.00 0.00
1. FAMILY INCOME THIS MONTH
DETAILS ESTIMATED AMOUNT (RM) DATE
Own Income 3,600.00 25/12/06
Spouse's Income 1,600.00 25/12/06
Part-time Job
House Rental
INCOME

Business
Dividend/Bonus
Other
1)
2)
3)
Total a 5,200.00
Income Tax 156.00 25/12/06
TAX / ZAKAT

Total b 156.00
Amount that can be used
(c = a - b) 5,044.00

3. FIXED MONTHLY EXPENSES


DETAILS ESTIMATED TOTAL (RM) DATE
AUTOMATIC PAYMENT FROM BANK ACCOUNT

Contribution 100.00 01/03/07

Total(1) 100.00
Electricity 100.00 30/12/06
Water 50.00 30/12/06
Membership Fee 10.00 30/12/06
House Rent 500.00 01/01/07
Child Care 300.00 01/01/07
Telephone 100.00 01/02/07
Others
1)
PAYMENT
2)
3)
CASH PAYMENT

Total (2) 1,060.00


Total e = (1) + (2) 1,160.00
2. FIXED PAYMENT/DEDUCTION FROM INCOME
ACTUAL AMOUNT (RM) DETAILS
3,600.00 EPF

SAVINGS/INVESTMENT
1,600.00 Tabung Haji
Unit Trust
Bank Savings
Education Insurance

Total (1)
Instalment
5,200.00

LOANS
156.00

156.00

5,044.00 Total (2)


OTHERS

Total (3)
Total d = (1) + (2) + (3)

4. CALCULATE THE REMAINING BALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED
ACTUAL TOTAL (RM)
100.00

Balance that you can use this m

f=c-d-e

1,833.00

How this money is spent is the key of your b


Plan your spending wisely using the t

100.00 5. HOW YOU EXPECT TO SPEND THE BALANCE


150.00 DETAILS
100.00 Food
10.00 Transport
500.00 Education
200.00 Clothing
200.00 Medical
Entertainment
Others
COME
1)
2)
3)

1,160.00 INCOME
1,260.00 Total f

6. SUMMARY OF MONTHLY INCOME, EXPENSES & SAVINGS


DETAILS
Family income
Fixed payment/deduction from income
Fixed monthly expenses
Other expenses (food, transport, medical, etc)
Savings for this month
SUMMARY

Total
ROM INCOME
ESTIMATED AMOUNT (RM) DATE ACTUAL AMOUNT (RM)
676.00 676.00
200.00 200.00
200.00 200.00
500.00
475.00

2,051.00 1,076.00

0.00 0.00

0.00 0.00
2,051.00 1,076.00

ALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED THE RELEVANT AMOUNT

Balance that you can use this month

f=c-d-e

1,833.00

How this money is spent is the key of your balance spending.


Plan your spending wisely using the table below.

ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)


600.00 535.00
420.00 320.00
210.00 235.00
203.00 195.00
100.00 90.00
50.00 38.00
50.00 50.00
1,633.00 1,463.00

E, EXPENSES & SAVINGS


ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)

ort, medical, etc)

0.00 0.00
1. FAMILY INCOME THIS MONTH
DETAILS ESTIMATED AMOUNT (RM) DATE
Own Income 3,600.00 25/12/06
Spouse's Income 1,600.00 25/12/06
Part-time Job
House Rental
INCOME

Business
Dividend/Bonus
Other
1)
2)
3)
Total a 5,200.00
Income Tax 156.00 25/12/06
TAX / ZAKAT

Total b 156.00
Amount that can be used
(c = a - b) 5,044.00

3. FIXED MONTHLY EXPENSES


DETAILS ESTIMATED TOTAL (RM) DATE
AUTOMATIC PAYMENT FROM BANK ACCOUNT

Contribution 100.00 01/03/07

Total (1) 100.00


Electricity 100.00 30/12/06
Water 50.00 30/12/06
Membership Fee 10.00 30/12/06
House Rent 500.00 01/01/07
Child Care 300.00 01/01/07
Telephone 100.00 01/02/07
Others
1)
2)
PAYMENT
3)
CASH PAYMENT

Total (2) 1,060.00


Total e = (1) + (2) 1,160.00
2. FIXED PAYMENT/DEDUCTION FROM INCOME
ACTUAL AMOUNT (RM) DETAILS
3,600.00 EPF

SAVINGS/INVESTMENT
1,600.00 Tabung Haji
Unit Trust
Bank Savings
Education Insurance

Total (1)
Instalment
5,200.00

LOANS
156.00

156.00

5,044.00 Total (2)


OTHERS

Total (3)
Total d = (1) + (2) + (3)

4. CALCULATE THE REMAINING BALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED
ACTUAL TOTAL (RM)
100.00

Balance that you can use this m

f=c-d-e

1,833.00

How this money is spent is the key of your b


Plan your spending wisely using the t

100.00 5. HOW YOU EXPECT TO SPEND THE BALANCE


150.00 DETAILS
100.00 Food
10.00 Transport
500.00 Education
200.00 Clothing
200.00 Medical
Entertainment
Others
1)
COME
2)
3)

INCOME
1,160.00
1,260.00 Total f

6. SUMMARY OF MONTHLY INCOME, EXPENSES & SAVINGS


DETAILS
Family income
Fixed payment/deduction from income
Fixed monthly expenses
Other expenses (food, transport, medical, etc)
Savings for this month
SUMMARY

Total
ROM INCOME
ESTIMATED AMOUNT (RM) DATE ACTUAL AMOUNT (RM)
676.00 676.00
200.00 200.00
200.00 200.00
500.00
475.00

2,051.00 1,076.00

0.00 0.00

0.00 0.00
2,051.00 1,076.00

ALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED THE RELEVANT AMOUNT

Balance that you can use this month

f=c-d-e

1,833.00

How this money is spent is the key of your balance spending.


Plan your spending wisely using the table below.

ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)


600.00 535.00
420.00 320.00
210.00 235.00
203.00 195.00
100.00 90.00
50.00 38.00
50.00 50.00
1,633.00 1,463.00

E, EXPENSES & SAVINGS


ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)

ort, medical, etc)

0.00 0.00
1. FAMILY INCOME THIS MONTH
DETAILS ESTIMATED AMOUNT (RM) DATE
Own Income 3,600.00 25/12/06
Spouse's Income 1,600.00 25/12/06
Part-time Job
House Rental
INCOME

Business
Dividend/Bonus
Other
1)
2)
3)
Total a 5,200.00
Income Tax 156.00 25/12/06
TAX / ZAKAT

Total b 156.00
Amount that can be used
(c = a - b) 5,044.00

3. FIXED MONTHLY EXPENSES


DETAILS ESTIMATED TOTAL (RM) DATE
AUTOMATIC PAYMENT FROM BANK ACCOUNT

Contribution 100.00 01/03/07

Total (1) 100.00


Electricity 100.00 30/12/06
Water 50.00 30/12/06
Membership Fee 10.00 30/12/06
House Rent 500.00 01/01/07
Child Care 300.00 01/01/07
Telephone 100.00 01/02/07
Others
1)
2)
PAYMENT
3)
CASH PAYMENT

Total (2) 1,060.00


Total e = (1) + (2) 1,160.00
2. FIXED PAYMENT/DEDUCTION FROM INCOME
ACTUAL AMOUNT (RM) DETAILS
3,600.00 EPF

SAVINGS/INVESTMENT
1,600.00 Tabung Haji
Unit Trust
Bank Savings
Education Insurance

Total (1)
Instalment
5,200.00

LOANS
156.00

156.00

5,044.00 Total (2)


OTHERS

Total (3)
Total d = (1) + (2) + (3)

4. CALCULATE THE REMAINING BALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED
ACTUAL TOTAL (RM)
100.00

Balance that you can use this m

f=c-d-e

1,833.00

How this money is spent is the key of your b


Plan your spending wisely using the t

100.00 5. HOW YOU EXPECT TO SPEND THE BALANCE


150.00 DETAILS
100.00 Food
10.00 Transport
500.00 Education
200.00 Clothing
200.00 Medical
Entertainment
Others
1)
COME
2)
3)

INCOME
1,160.00
1,260.00 Jumlah f

6. SUMMARY OF MONTHLY INCOME, EXPENSES & SAVINGS


DETAILS
Family income
Fixed payment/deduction from income
Fixed monthly expenses
Other expenses (food, transport, medical, etc)
Savings for this month
SUMMARY

Total
ROM INCOME
ESTIMATED AMOUNT (RM) DATE ACTUAL AMOUNT (RM)
676.00 676.00
200.00 200.00
200.00 200.00
500.00
475.00

2,051.00 1,076.00

0.00 0.00

0.00 0.00
2,051.00 1,076.00

ALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED THE RELEVANT AMOUNT

Balance that you can use this month

f=c-d-e

1,833.00

How this money is spent is the key of your balance spending.


Plan your spending wisely using the table below.

ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)


600.00 535.00
420.00 320.00
210.00 235.00
203.00 195.00
100.00 90.00
50.00 38.00
50.00 50.00
1,633.00 1,463.00

E, EXPENSES & SAVINGS


ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)

ort, medical, etc)

0.00 0.00
1. FAMILY INCOME THIS MONTH
DETAILS ESTIMATED AMOUNT (RM) DATE
Own Income 1,930.00 25/12/06
Spouse's Income 25/12/06
Part-time Job
PENDAPATAN

House Rental
Business
Dividend/Bonus
Other
1)
2)
3)
Total a 1,930.00
CUKAI / ZAKAT

Income Tax 0.00

Total b 0.00
Amount that can be used
(c = a - b) 1,930.00

3. FIXED MONTHLY EXPENSES


DETAILS ESTIMATED TOTAL (RM) DATE
Contribution 100.00 01/03/07
POTONGAN AKAUN BANK
SECARA AUTOMATIK

Total (1) 100.00


Electricity 100.00 30/12/06
Water 50.00 30/12/06
Membership Fee 10.00 30/12/06
House Rent 500.00 01/01/07
Child Care 300.00 01/01/07
Telephone 100.00 01/02/07
Others
1)
2)
ASAN TUNAI
3)
PENJELASAN TUNAI

Total (2) 1,060.00


Total e = (1) + (2) 1,160.00
2. FIXED PAYMENT/DEDUCTION FROM INCOME
ACTUAL AMOUNT (RM) DETAILS
3,600.00 EPF

SAVINGS/INVESTMENT
1,600.00 Tabung Haji
Unit Trust
Bank Savings
Education Insurance

Total (1)
Instalment
5,200.00

LOANS

5,200.00 Total (2)


OTHERS

Total (3)
Total d = (1) + (2) + (3)

4. CALCULATE THE REMAINING BALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED
ACTUAL TOTAL (RM)
100.00

Balance that you can use this m

f=c-d-e

-1,281.00

How this money is spent is the key of your b


Plan your spending wisely using the t

100.00 5. HOW YOU EXPECT TO SPEND THE BALANCE


150.00 DETAILS
100.00 Food
10.00 Transport
500.00 Education
200.00 Clothing
200.00 Medical
Entertainment
Others
1)
COME
2)
3)

INCOME
1,160.00
1,260.00 Total f

6. SUMMARY OF MONTHLY INCOME, EXPENSES & SAVINGS


DETAILS
Family income
Fixed payment/deduction from income
Fixed monthly expenses
Other expenses (food, transport, medical, etc)
Savings for this month
SUMMARY

Total
ROM INCOME
ESTIMATED AMOUNT (RM) DATE ACTUAL AMOUNT (RM)
676.00 676.00
200.00 200.00
200.00 200.00
500.00
475.00

2,051.00 1,076.00

0.00 0.00

0.00 0.00
2,051.00 1,076.00

ALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED THE RELEVANT AMOUNT

Balance that you can use this month

f=c-d-e

-1,281.00

How this money is spent is the key of your balance spending.


Plan your spending wisely using the table below.

ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)


600.00 535.00
420.00 320.00
210.00 235.00
203.00 195.00
100.00 90.00
50.00 38.00
50.00 50.00
1,633.00 1,463.00

E, EXPENSES & SAVINGS


ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)

ort, medical, etc)

0.00 0.00
1. FAMILY INCOME THIS MONTH
DETAILS ESTIMATED AMOUNT (RM) DATE
Own Income 3,600.00 25/12/06
Spouse's Income 1,600.00 25/12/06
Part-time Job
PENDAPATAN

House Rental
Business
Dividend/Bonus
Other
1)
2)
3)
Total a 5,200.00
CUKAI / ZAKAT

Income Tax 156.00 25/12/06

Total b 156.00
Amount that can be used
(c = a - b) 5,044.00

3. FIXED MONTHLY EXPENSES


DETAILS ESTIMATED TOTAL (RM) DATE
Contribution 100.00 01/03/07
POTONGAN AKAUN BANK
SECARA AUTOMATIK

Total (1) 100.00


Electricity 100.00 30/12/06
Water 50.00 30/12/06
Membership Fee 10.00 30/12/06
House Rent 500.00 01/01/07
Child Care 300.00 01/01/07
Telephone 100.00 01/02/07
Others
1)
2)
ASAN TUNAI
3)
PENJELASAN TUNAI

Total (2) 1,060.00


Total e = (1) + (2) 1,160.00
2. FIXED PAYMENT/DEDUCTION FROM INCOME
ACTUAL AMOUNT (RM) DETAILS
3,600.00 EPF

SAVINGS/INVESTMENT
1,600.00 Tabung Haji
Unit Trust
Bank Savings
Education Insurance

Total (1)
Instalment
5,200.00

LOANS
156.00

156.00

5,044.00 Total (2)


OTHERS

Total (3)
Total d = (1) + (2) + (3)

4. CALCULATE THE REMAINING BALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED
ACTUAL TOTAL (RM)
100.00

Balance that you can use this m

f=c-d-e

1,833.00

How this money is spent is the key of your b


Plan your spending wisely using the t

100.00 5. HOW YOU EXPECT TO SPEND THE BALANCE


150.00 DETAILS
100.00 Food
10.00 Transport
500.00 Education
200.00 Clothing
200.00 Medical
Entertainment
Others
1)
COME
2)
3)

INCOME
1,160.00
1,260.00 Total f

6. SUMMARY OF MONTHLY INCOME, EXPENSES & SAVINGS


DETAILS
Family income
Fixed payment/deduction from income
Fixed monthly expenses
Other expenses (food, transport, medical, etc)
Savings for this month
SUMMARY

Total
ROM INCOME
ESTIMATED AMOUNT (RM) DATE ACTUAL AMOUNT (RM)
676.00 676.00
200.00 200.00
200.00 200.00
500.00
475.00

2,051.00 1,076.00

0.00 0.00

0.00 0.00
2,051.00 1,076.00

ALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED THE RELEVANT AMOUNT

Balance that you can use this month

f=c-d-e

1,833.00

How this money is spent is the key of your balance spending.


Plan your spending wisely using the table below.

ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)


600.00 535.00
420.00 320.00
210.00 235.00
203.00 195.00
100.00 90.00
50.00 38.00
50.00 50.00
1,633.00 1,463.00

E, EXPENSES & SAVINGS


ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)

ort, medical, etc)

0.00 0.00
1. FAMILY INCOME THIS MONTH
DETAILS ESTIMATED AMOUNT (RM) DATE
Own Income 3,600.00 25/12/06
Spouse's Income 1,600.00 25/12/06
Part-time Job
PENDAPATAN

House Rental
Business
Dividend/Bonus
Other
1)
2)
3)
Total a 5,200.00
CUKAI / ZAKAT

Income Tax 156.00 25/12/06

Total b 156.00
Amount that can be used
(c = a - b) 5,044.00

3. FIXED MONTHLY EXPENSES


DETAILS ESTIMATED TOTAL (RM) DATE
Contribution 100.00 01/03/07
POTONGAN AKAUN BANK
SECARA AUTOMATIK

Total (1) 100.00


Electricity 100.00 30/12/06
Water 50.00 30/12/06
Membership Fee 10.00 30/12/06
House Rent 500.00 01/01/07
Child Care 300.00 01/01/07
Telephone 100.00 01/02/07
Others
1)
2)
ASAN TUNAI
3)
PENJELASAN TUNAI

Total (2) 1,060.00


Total e = (1) + (2) 1,160.00
2. FIXED PAYMENT/DEDUCTION FROM INCOME
ACTUAL AMOUNT (RM) DETAILS
3,600.00 EPF

SAVINGS/INVESTMENT
1,600.00 Tabung Haji
Unit Trust
Bank Savings
Education Insurance

Total (1)
Instalment
5,200.00

LOANS
156.00

156.00

5,044.00 Total (2)


OTHERS

Total (3)
Total d = (1) + (2) + (3)

4. CALCULATE THE REMAINING BALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED
ACTUAL TOTAL (RM)
100.00

Wang baki untuk digunakan bula

f=c-d-e

1,833.00

How this money is spent is the key of your b


Plan your spending wisely using the t

100.00 5. HOW YOU EXPECT TO SPEND THE BALANCE


150.00 DETAILS
100.00 Food
10.00 Transport
500.00 Education
200.00 Clothing
200.00 Medical
Entertainment
Others
1)
COME
2)
3)

INCOME
1,160.00
1,260.00 Total f

6. SUMMARY OF MONTHLY INCOME, EXPENSES & SAVINGS


DETAILS
Family income
Fixed payment/deduction from income
Fixed monthly expenses
Other expenses (food, transport, medical, etc)
Savings for this month
SUMMARY

Total
ROM INCOME
ESTIMATED AMOUNT (RM) DATE ACTUAL AMOUNT (RM)
676.00 676.00
200.00 200.00
200.00 200.00
500.00
475.00

2,051.00 1,076.00

0.00 0.00

0.00 0.00
2,051.00 1,076.00

ALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED THE RELEVANT AMOUNT

Wang baki untuk digunakan bulan ini

f=c-d-e

1,833.00

How this money is spent is the key of your balance spending.


Plan your spending wisely using the table below.

ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)


600.00 535.00
420.00 320.00
210.00 235.00
203.00 195.00
100.00 90.00
50.00 38.00
50.00 50.00
1,633.00 1,463.00

E, EXPENSES & SAVINGS


ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)

ort, medical, etc)

0.00 0.00
1. FAMILY INCOME THIS MONTH
DETAILS ESTIMATED AMOUNT (RM) DATE
Own Income 3,600.00 25/12/06
Spouse's Income 1,600.00 25/12/06
Part-time Job
PENDAPATAN

House Rental
Business
Dividend/Bonus
Other
1)
2)
3)
Total a 5,200.00
CUKAI / ZAKAT

Income Tax 156.00 25/12/06

Total b 156.00
Amount that can be used
(c = a - b) 5,044.00

3. FIXED MONTHLY EXPENSES


DETAILS ESTIMATED TOTAL (RM) DATE
Contribution 100.00 01/03/07
POTONGAN AKAUN BANK
SECARA AUTOMATIK

Total (1) 100.00


Electricity 100.00 30/12/06
Water 50.00 30/12/06
Membership Fee 10.00 30/12/06
House Rent 500.00 01/01/07
Child Care 300.00 01/01/07
Telephone 100.00 01/02/07
Others
1)
2)
ASAN TUNAI
3)
PENJELASAN TUNAI

Total (2) 1,060.00


Total e = (1) + (2) 1,160.00
2. FIXED PAYMENT/DEDUCTION FROM INCOME
ACTUAL AMOUNT (RM) DETAILS
3,600.00 EPF

SAVINGS/INVESTMENT
1,600.00 Tabung Haji
Unit Trust
Bank Savings
Education Insurance

Total (1)
Instalment
5,200.00

LOANS
156.00

156.00

5,044.00 Total (2)


OTHERS

Total (3)
Total d = (1) + (2) + (3)

4. CALCULATE THE REMAINING BALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED
ACTUAL TOTAL (RM)
100.00

Wang baki untuk digunakan bula

f=c-d-e

1,833.00

How this money is spent is the key of your b


Plan your spending wisely using the t

100.00 5. HOW YOU EXPECT TO SPEND THE BALANCE


150.00 DETAILS
100.00 Food
10.00 Transport
500.00 Education
200.00 Clothing
200.00 Medical
Entertainment
Others
1)
COME
2)
3)

INCOME
1,160.00
1,260.00 Total f

6. SUMMARY OF MONTHLY INCOME, EXPENSES & SAVINGS


DETAILS
Family income
Fixed payment/deduction from income
Fixed monthly expenses
Other expenses (food, transport, medical, etc)
Savings for this month
SUMMARY

Total
ROM INCOME
ESTIMATED AMOUNT (RM) DATE ACTUAL AMOUNT (RM)
676.00 676.00
200.00 200.00
200.00 200.00
500.00
475.00

2,051.00 1,076.00

0.00 0.00

0.00 0.00
2,051.00 1,076.00

ALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED THE RELEVANT AMOUNT

Wang baki untuk digunakan bulan ini

f=c-d-e

1,833.00

How this money is spent is the key of your balance spending.


Plan your spending wisely using the table below.

ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)


600.00 535.00
420.00 320.00
210.00 235.00
203.00 195.00
100.00 90.00
50.00 38.00
50.00 50.00
1,633.00 1,463.00

E, EXPENSES & SAVINGS


ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL (RM)

ort, medical, etc)

0.00 0.00
1. FAMILY INCOME THIS MONTH 2. FIXED PAYMENT/DEDUCTION FROM INCOME
DETAILS ESTIMATED AMOUNT (RM) DATE ACTUAL AMOUNT (RM) DETAILS ESTIMATED TOTAL (RM) DATE
Own Income 3,600.00 25/12/06 3,600.00 EPF 676.00

SAVINGS/INVESTMENTS
Spouse's Income 1,600.00 25/12/06 1,600.00 Tabung Haji 200.00
Part-time Job Unit Trust 200.00
House Rental Bank Savings 500.00
INCOME

Business Education Insurance 475.00


Dividend/Bonus
Other
1)
2) Total (1) 2,051.00
3) Instalment
Total a 5,200.00 5,200.00

LOANS
TAXES/ALMS

Income Tax 156.00 25/12/06 156.00

Amount b 156.00 156.00


Money that can be used
(Amount c = a - b) 5,044.00 5,044.00 Total (2) 0.00

OTHERS
Total (3) 0.00
Total payment
Amount d = (1) + (2) + (3) 2,051.00

3. FIXED MONTHLY EXPENSES 4. CALCULATE THE REMAINING BALANCE OF YOUR INCOME AFTER YOU HAVE DEDUCTED THE RELEVANT AMOUNT
DETAILS ESTIMATED TOTAL (RM) DATE ACTUAL TOTAL(RM)
AUTOMATIC DEDUCTIONS FROM BANK ACCOUNT

Contribution 100.00 01/03/07 100.00

Cash remainder for this month

f=c-d-e

1,833.00

How this money is spent is the key of your balance spending.


Plan your spending wisely using the table below.

Total (1) 100.00 100.00 5. HOW YOU EXPECT TO SPEND THE BALANCE
Electricity 100.00 30/12/06 150.00 DETAILS ESTIMATED TOTAL (RM) DATE
Water 50.00 30/12/06 100.00 Food 600.00
Membership Fee 10.00 30/12/06 10.00 Transport/Own vehicle 420.00
House Rent 500.00 01/01/07 500.00 Education 210.00
Child Care 300.00 01/01/07 200.00 Clothes 203.00
Telephone 100.00 01/02/07 200.00 Medical 200.00
Others Entertainment 100.00
1) Others 100.00
2) 1)
3) 2)
3)
CASH PAYMENTS

INCOME
CASH PAYMENTS

INCOME
Jumlah (2) 1,060.00 1,160.00
Total fixed expenses
Amount e = (1) + (2) 1,160.00 1,260.00 Amount f 1,833.00

6. SUMMARY OF MONTHLY INCOME, EXPENSES & SAVINGS


DETAILS ESTIMATED TOTAL (RM) DATE
Family income
Fixed payment/deduction from income
Fixed monthly expenses
Other expenses (food, transport, medical, etc)
Savings for this month

SUMMARY
Total 0.00
ACTUAL TOTAL(RM)
676.00
200.00
200.00

1,076.00

0.00

0.00

1,076.00

RELEVANT AMOUNT

ce spending.
below.

ACTUAL TOTAL (RM)


535.00
320.00
235.00
195.00
90.00
38.00
50.00
1,463.00

ACTUAL TOTAL (RM)

0.00