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CashFlow Planner - Panduan Aliran Tunai

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Quick Budget

Budget By Month

Isikan maklumat dengan lengkap dalam kotak putih sahaja. Eg: 400 Use the drop down boxes 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

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.

Quick Budget
Chart:

Wang Masuk
Jumlah Pendapatan Bersih Gaji Anda Gaji Pasangan Bonus Anda Bonus Pasangan Komisyen / Elaun Sewa Rumah Pendapatan Lain

Kekerapan

Jumlah

Bulanan 2500.00 2400.00 0.00 0.00

Tahunan 30000.00 28800.00 0.00 0.00

Ringkasan Aliran Tunai

Monthly Monthly Yearly Yearly Monthly Monthly Monthly

2400.00 0.00 0.00 0.00 0.00 100.00 0.00

600

100.00 0.00 1900.00 450.00 200.00 250.00 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 0.00 0.00 0.00 200.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 200.00 200.00 0.00 0.00 150.00 0.00 0.00 0.00 50.00 220.00 100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 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

1200.00 0.00 22800.00 5400.00 2400.00 3000.00 0.00 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 2400.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2400.00 2400.00 0.00 0.00 1800.00 0.00 0.00 0.00 600.00 2640.00 1200.00 0.00 0.00 120.00 120.00 0.00 0.00 1200.00 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

2500

:Wang Keluar

Total
Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly 200.00 250.00 0.00 0.00 0.00 0.00 0.00 0.00

1900

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 Belanja Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta Parking Tambang bas / van anak Lain-lain Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik Bil Air Gas Telefon Handphone Yuran Maintenance Astro / Internet 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

$500

$1,000

$1,500

$2,000

$2,500

Balance

Income

Expense

Ringkasan Wang Keluar

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

450 680

150

200 220 200

Simpanan & Pelaburan Belanja Luar Jangka Bil & Utiliti

Bayaran Pinjaman Belanja Pengangkutan Belanja Sara Hidup

Yearly Yearly Semi-Annually Monthly Monthly Yearly Yearly Quarterly Monthly

0.00

200.00

Yearly Yearly Monthly Quarterly Monthly Monthly Monthly

0.00 0.00 150.00 0.00 0.00 0.00 50.00

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

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

Budget By Month
Chart:
2

Wang Masuk
Jumlah Pendapatan Bersih Gaji / Bonus Anda Gaji / Bonus Pasangan Komisyen / Elaun Sewa Rumah Pendapatan Lain

Nov

Dec 0.00

Jan 0.00

Feb 0.00

Mar 0.00

1 Months
Oct to Date

Ringkasan Aliran Tunai

0

0.00

0.00 0.00 0.00 0.00 0.00 0.00 1290.00

-15480

0
0

Wang Keluar
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 Belanja Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta Parking Tambang bas / van anak Lain-lain Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik Bil Air Gas Telefon Handphone Yuran Maintenance Astro / Internet 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

250.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

250

15480

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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

-20,000 -15,000 -10,000 -5,000

0 0

5,000

10,000 15,000 20,000

Balance

Income

Expense

Ringkasan Wang Keluar

0 0 0
1800

0.00

0.00

0.00

0.00

0.00

2640

11040

0.00

0.00

0.00

0.00

0.00

Simpanan & Pelaburan Belanja Luar Jangka

Bayaran Pinjaman Belanja Pengangkutan

0.00

Bil & Utiliti

Belanja Sara Hidup

Budget by Month

250
200

0.00

200.00

0.00

0.00

0.00

200

150 100

0.00

0.00 0.00 150.00 0.00 0.00 0 50.00

50
150 0

0 Nov Dec Jan Feb Mar

0.00

0.00

0.00

Expense
50 0

Income

0.00

100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0 0.00

100

10

10

100

0.00

0.00

0.00

150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00 0

150

300

300

10

60

100

Tracking
Chart:

Wang Masuk
Jumlah Pendapatan Bersih Gaji / Bonus Anda Gaji / Bonus Pasangan Komisyen / Elaun Sewa Rumah Pendapatan Lain

Oct 0.00

Nov 0.00

Dec 1900.00 1,900.00

Jan 0.00

Oct to Date 1900.00 1,900.00 0.00 0.00 0.00 0.00

Ringkasan Wang Masuk / Keluar Sebenar

Wang Keluar
Jumlah Wang Keluar 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 Belanja Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta Parking Tambang bas / van anak Lain-lain Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik Bil Air Gas Telefon Handphone Yuran Maintenance Astro / Internet 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

Over Budget

1290.00 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 0.00 0.00 0.00 0.00 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 0.00 150.00 0.00 0.00 0.00 220.00 0.00 100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0.00 920.00 0.00 150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00 0.00
0 0 0 1 1 1

Balance

Income

Expense

Wang Keluar Sebenar

2,000 1,800 1,600 1,400 1,200 1,000 800 600 400 200 0 Oct Nov Dec Jan

0.00

0.00

0.00

0.00

Expense
0.00 0.00 0.00 0.00 0.00

Income

0.00

0.00

200 150.00 0.00 0.00 150.00 0.00 0.00 0.00 50 220.00 100.00 0.00 0.00 10.00 10.00 0.00 0.00 100.00 0.00 0 920.00 150.00 300.00 300.00 0.00 0.00 10.00 0.00 0.00 60.00 100.00 0.00 0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

Comparison
Wang Masuk
Jumlah Pendapatan Bersih Gaji / Bonus Anda Gaji / Bonus Pasangan Komisyen / Elaun Sewa Rumah Pendapatan Lain

Compare

to Budget

October
)Perbandingan CashFlow (Budget & Sebenar
0 Budget 0 0

Budget 0 0 0 0 0 0

Oct Actual 0 0.00 0.00 0.00 0.00 0.00

Vs Budget 0 0.00 0.00 0.00 0.00 0.00

Wang Keluar
Jumlah Wang Keluar 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 Belanja Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta Parking Tambang bas / van anak Lain-lain Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik Bil Air Gas Telefon Handphone Yuran Maintenance Astro / Internet 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 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 Tracking 0 0 0 0 0 1 1 1

Balance (Savings)

Income

Expense

)Perbandingan Wang Keluar (Budget & Sebenar

Budget Simpanan & Pelaburan

Tracking Bayaran Pinjaman

Belanja Luar Jangka

Belanja Pengangkutan

Bil & Utiliti

Belanja Sara Hidup

Rekod Harian - Wang Keluar

Income Wang Keluar
Jumlah Wang Keluar Harian 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 Belanja Luar Jangka Percutian Balik Kampung / Raya Baik-Pulih Kereta Rokok / Alkohol Derma Insurans Rumah (Fire) Perabut / ubah-suai rumah Hadiah Lain-lain Belanja Pengangkutan Insurans Kereta 1 Insurans Kereta 2 Petrol & Tol Servis Kereta Parking Tambang bas / van anak Lain-lain Bil & Utiliti Sewa Rumah Cukai Pintu Cukai Tanah Bil Elektrik Bil Air Gas Telefon Handphone Yuran Maintenance Astro / Internet 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 1st 0.00 0.00 2nd 0.00 0.00 3rd 0.00 0.00 4th 0.00 0.00 5th 0.00 0.00 6th 0.00 0.00 7th 0.00 0.00 8th 0.00 0.00 9th 0.00 0.00 10th 0.00 0.00 11th 0.00 0.00 12th 0.00 0.00 13th 0.00 0.00 14th 0.00 0.00 15th 0.00 0.00 16th 0.00 0.00 17th 0.00 0.00 18th 0.00 0.00 19th 0.00 0.00 20th 0.00 0.00 21st 0.00 0.00 22nd 0.00 0.00 23rd 0.00 0.00 24th 0.00 0.00 25th 0.00 0.00 26th 0.00 0.00 27th 0.00 0.00 28th 0.00 0.00 29th 0.00 0.00 30th 0.00 0.00 31st 0.00 0.00 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

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0.00

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0.00