NAME : NUR DALILA BT MOHD ZAMRI

NO.MATRIK : 10DAT11F2016

CLASS : DAT2A

PROBLEM SCENARIO

PN. NUR DALILA ZAMRI

OCCUPATION

SALARY

• 3O TAHUN• MARRIED WITH ONE

CHILD WHICH IS 2 YEARS OLD

• AKAUNTAN

• RM 4,500.00

HOW TO MAKE THE FINANCIAL PLANNING

FINANCIAL PLANNING

10%SAVING BUDGET

40% LOAN

50%EXPENSES

BUDGETCASH FLOW

FOR A MONTH

PARTICULARS BUDGET (RM) ACTUAL CASH FLOW (RM)

INCOME

- SALARY (HUSBAND) - SALARY (WIFE)

RM 6,000.00RM 4,500.00

RM 4,000.00RM 2,500.00

- OTHER INCOME RM 2,500.00 SAVING ACCOUNT

TOTAL INCOME (A) RM 13,000.00 RM 6,500.00

EXPENSES

- FOODS RM 1,500.00 RM 1,800.00

- CLOTHING RM 150.00 RM 100.00

- INSURANS PAYMENT - HUSBAND - WIFE - CHILD

RM 80.00RM 80.00RM 80.00

RM 80.00RM 80.00RM 80.00

- PAYMENT CONTRIBUTION OF KINDERGARDEN

RM 250.00 RM 250.00

- TRANSPORT PAYMENT RM 3500.00 RM 3500.00

- HOUSING PAYMENT - ELECTRIC BILL - WATER BILL

RM 80.00RM 50.00

RM 80.00RM 70.00

OTHER EXPENSES • ASTRO PAYMENT• NESECCERY NEEDED

RM 50.00RM 300.00

RM 50.00RM 350.00

TOTAL EXPENSES (B) RM 6120.00 RM 6440.00

SURPLUS/DEFICITE (A-B) RM 6880.00 RM 60.00

BUDGET FOR A MONTH

HOUSING EXPENSES• FOOD• CLOTH• NECESSARY• ELECTRIC BILL• WATER BILL• ASTRO BILL• AIRCOND

PAYMENT• FURNITURE• LOUNDRY

TRANSPORT EXPENSES• PETROL• EXPORT DUTY• ROAD TAX• TOL EXPENSES• CAR PAYMENT LIFE SAVING EXPENSES

• SAVING ACCOUNT FROM OTHER INCOME

• BANKING SOME INCOME TO CHILD ACCOUNT

• INSURANCE FOR FAMILY

• PN. NUR DALILA ZAMRI IS AN ACCOUNTANT WHICH IS 30 YEARS OLD AND HAVE ONE CHILD WHICH IS 2 YEARS OLD.

• SHE HAS TO MAKE A FAMILY FINANCIAL PLANNING TO AVOID SOMETHING THAT WAS UNEXPECTED

• SHE HAVE DONE A BUDGET CASH FLOW FOR A MONTH

• FIXED ACCOUNT FOR PREPARING FOR THE FUTURE IS THE MOST IMPORTANCE TO HER

• SHE HAS PREPARED A INSURANCE FOR HER FAMILY TO AVOID SOMETHING THAT UNEXPECTED

• HER CASH FLOW BUDGET HAVE SHOW YOU EVERYTHING ABOUT HER FAMILY PLANNING.

BUDGET ANALYSISASSET• RM 13,000LOAN• RM 13,000 X 40% = RM 5,700SAVING BUDGET• RM 13,000 X 10% = RM 1,300EXPENSES• RM 13,000 X 50% = RM 6,500

• IMPORTANT IN FAMILY FINANCIAL PLANNING Family financial planning refers to the economic activity of wealth management and increasing the effectiveness of one's family property.

SETTING A FAMILY BUDGET FOR GUARANTEE A BASIC BALANCE BETWEEN INCOME AND EXPENSES MAKE GOOD USE OF YOUR MONEY IS USING PERSONAL CHECKS. COMPARED TO CASH AND CREDIT CARDS, PERSONAL CHECKS HAVE LOTS OF ADVANTAGES. FIRST OF ALL, IT IS SAFER TO USE PERSONAL CHECKS. SAVING A MONEY FOR PREPARATION WILL IN CRISIS ECONOMIC,EMERGENCY AND NECESSERY SPARE FOR CHILD EDUCATION AVOID FROM BEING A BANKRUPT