Budgeting

Budgeting ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

The Importance of Budgeting ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Objectives of Budgeting ,[object Object],[object Object],[object Object],[object Object],[object Object]

Budgeting (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Steps in Budgeting ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Steps in Budgeting (cont.) ,[object Object],[object Object],Sources of Income Frequency RM (monthly) Salary Monthly 2,800 Rental Monthly 800 Profit from shares of capital Once in 2 years, not receiving next year - Total income 3,600

Steps in Budgeting (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

[object Object],[object Object],Date Items Amount (RM) Categories Total amount for categories (RM) Cumulative total for month 3/11 4/11 6/11 10/11 11/11 12/11 23/11 Food Car installment Rental Food Life insurance Sportswear Food 290 380 300 80 180 260 150 - Car installment Rental - Life insurance Clothes Food - 380 300 - 180 260 520 Total for November 1,610 1,610 5/12 6/12 8/12 15/12 20/12 22/12 Rental Food Car installment Life insurance School uniform Food 300 160 380 180 310 510 Rental - Car installment Life insurance Clothes Food 300 - 380 180 310 670 Total for December 1,840 1,840

Budgeting (cont.) ,[object Object],Categories of Expenses Frequency Total a year (past) RM Monthly expenses (past) RM Clothes -school uniform -sportswear -clothes for festive seasons -casual wear - office attire Once a year (December) Twice a year (January, June) Twice a year Twice a year (March, August) Twice a year (April, October) 350 480 1,300 770 820 310 Total for clothes 3,720 ,[object Object],[object Object],[object Object],[object Object],[object Object],5 days a week Everyday Once a week 4 times a year 3,800 5,000 1,000 400 850 Total for food 10,200

Table of Budget Summary Monthly Spending Plan January (RM) Surplus (Deficit) February (RM) Surplus (Deficit) Total Income 3,600 3,600 - 3,600 - Expenses Food Clothes House rental Car installment Income tax Car insurance & road-tax Telephone bill Electricity bill Water bill Life insurance Others 850 310 300 380 280 60 35 30 45 180 150 880 250 300 380 - 720 40 25 35 180 480 (30) 60 - - 280 (660) (5) 5 10 - (330) 900 - 300 380 - - 45 35 40 180 80 (50) 310 - - 280 60 (10) (5) 5 - 70 Total expenses 2,620 3,290 (670) 1,960 660 Savings Emergency Long-term 50 930 50 260 - (670) 50 1,590 - 660 Total savings 980 310 (670) 1,640 660

Budgeting (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Budget (cont.) ,[object Object],[object Object],[object Object]

Budgeting Problems ,[object Object],[object Object],[object Object],[object Object]

Budgeting Problems (cont.) ,[object Object],[object Object],[object Object],[object Object]

Budgeting Problems (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Budgeting Problems (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Budgeting

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Budgeting