Fixed Income

Salary : 4.480.000

Variable Income
BLBI : 1.600.000
Scholarship : 400.000
Total VI 2.000.000
Total Income 6.480.000

Fixed Expense
Food : 1.650.000 (BNI)
Internet Bill : 90.000 (EF)
Investment : 620.000 (Payroll)
Boarding House : 2.000.000 (BNI)
Cash : 50.000 (BNI)
Fuel : 100.000 (EF)
Utility : 200.000 (EF)
Zakat : 120.000 (BNI)
Pulsa : 100.000 (EF)
Administratition fee : 10.000 (Payroll)
Total FE 4.942.000

Variable Expense
Hang Out : 250.000 (EF)
Contigent : 50.000 (EF)
CC : 50.000 (EF)
Total VE 350.000
Total Expense 5.280.000
Balance 1.190.000

Ballance Allocation
20% Parents Fund : 250.000 (150.000)
30% Emergency Fund : 350.000 (250.000)
60% Investment Fund : 600.000 (400.000)
Prediction
BCA : 3.955.000
Mandiri : 956.000

Utility
Softener : 20.000
Bear Brand : 85.000
Sereal : 70.000

NPL : 12.607.250
* Emergency Funds must be pulled as 3x Fixed Expense (12.200.000) and must be allocated on :
a. Time Deposit : 10.000.000
Interest of Time Deposit must be transferred on EF Saving Account
b. Saving Account : 2.200.000
c. Danamon give best rate for time deposit
* Investment Fund When reach check point at 7.000.000 Must be Allocated on :
a. 10gr Gold Mint
b. Investment Fund for House Down Payment must be freezed on Time Deposit (6.000.000)
* Bonus Must be Allocated on :
a. 10gr Gold Mint
b. 5% Parent Fund
c. 80% House Down Payment
d. 4% Reksadana Investment