Professional Documents
Culture Documents
Financial Diary310113
Financial Diary310113
The contents of this diary has been developed by Reserve Bank of India, Rural
Planning and Credit Department, Central Office, Mumbai for distribution during
financial literacy camps organized by Financial Literacy Centres and all the rural
branches of the country at monthly intervals. The Financial Diary is also available
at www.rbi.org.in.
Published by
Reserve Bank of India
Rural Planning and Credit Department
10th Floor, Central Office Building,
Shaheed Bhagat Singh Marg,
Fort, Mumbai- 400001
Copyright
Reproduction is permitted provided the source is acknowledged.
Personal Information
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ADDRESS : ------------------------------------------------------------------
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CITY/DISTRICT: ------------------------------------------------------
PINCODE: ----------------------------------------------------
MOBILE: ----------------------------------------------------
Bank : ------------------------------------------
Branch : ------------------------------------------------------------
BC : -----------------------------------------------------------
• Remittance, EBT
• Micro Insurance
• Micro Pension
• Others
1
Calendar for Year 2013
2
HOUSEHOLD MEMBERS DETAILS
MONTHLY
SR NAME AGE RELATIONSHIP OCCUPATION
INCOME
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
3
ACHIEVE YOUR GOAL WITH
FINANCIAL PLANNING
4
Set your Goals
10.
11.
12.
13.
14.
15.
5
IN
OC
M
E
IN
CO
ME
LIQUOR
GAMBLING
ALCOHOL
ATOR
IGER
REFR
NON-ESSENTIAL TOBA
CCO
GUTK
A
MARRIAGE
ESSENTIAL PILGRIMAGE
NATURAL
SICKNESS CALAMITIES
CLOTHES EDUCATION
FOOD HOUSE
6
Monthly Summary
Income : Month 1
i. Self
ii. Spouse
iii.
iv.
1. Total Income
2. Loans taken
Expenses : Month 1
i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3
7
DO NOT SPEND MORE THAN YOUR INCOME
8
Monthly Summary
Income : Month 2
i. Self
ii. Spouse
iii.
iv.
1. Total Income
2. Loans taken
Expenses : Month 2
i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3
9
INC
BANK BANK
INCO
OM
INC
E
OM
ME
E
LIQUOR
GAMBLING ALCOHOL
OR
IGERAT
REFR
NON-ESSENTIAL TOBA
CCO
GUTK
A
MARRIAGE
ESSENTIAL PILGRIMAGE
NATURAL
SICKNESS CALAMITIES
CLOTHES EDUCATION
FOOD HOUSE
10
Monthly Summary
Income : Month 3
i. Self
ii. Spouse
iii.
iv.
1. Total Income
2. Loans taken
Expenses : Month 3
i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3
11
LIQUOR
VICES TOBA
CCO
GUTK
A
ATOR
IGER
REFR
WANTS
FESTIVAL PILGRIMAGE LUXURIOUS GOODS
NEEDS
12
Monthly Summary
Income : Month 4
i. Self
ii. Spouse
iii.
iv.
1. Total Income
2. Loans taken
Expenses : Month 4
i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3
13
THE LESS YOU SPEND, THE MORE YOU CAN SAVE
14
Monthly Summary
Income : Month 5
i. Self
ii. Spouse
iii.
iv.
1. Total Income
2. Loans taken
Expenses : Month 5
i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3
15
DO NOT LOSE YOUR HARD EARNED MONEY,
ALWAYS SAVE IN A BANK ACCOUNT
16
Monthly Summary
Income : Month 6
i. Self
ii. Spouse
iii.
iv.
1. Total Income
2. Loans taken
Expenses : Month 6
i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3
17
SPARENCY
TRAN
IN
BANK T
ER
+
ES
PASS BOOK
NK
NK
T
INTEREST
SAVING
=
EB
T
BC BANK
SJJ
JSD
HJJDJ
3434
3
34566T
SJJ
3434
3
JSD
HJJDJ
34566T
JN
JN
BC
TOTAL
KNAB
MOIB
:EMAN
EGALLIV
ERDDA
XXXXXX
MS CIRTE
435478
XXXX:SS
XXXXX:
GUFJLK
5559987
JFDUFK
DRAC TRA
7759843
ZYX
ITTANCE
BA
OVERD
BANK BANK
BANK
BC
REM
RAF
GCC KCCEFGH
T
D
ABCDEF
GH ABC 567
123456 14
KC
C
GCC
18
Monthly Summary
Income : Month 7
i. Self
ii. Spouse
iii.
iv.
1. Total Income
2. Loans taken
Expenses : Month 7
i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3
19
BANK IS NOW AVAILABLE AT YOUR DOOR STEP
20
Monthly Summary
Income : Month 8
i. Self
ii. Spouse
iii.
iv.
1. Total Income
2. Loans taken
Expenses : Month 8
i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3
21
MANAGE YOUR DEBT OTHERWISE
DEBT WILL DAMAGE YOU
22
Monthly Summary
Income : Month 9
i. Self
ii. Spouse
iii.
iv.
1. Total Income
2. Loans taken
Expenses : Month 9
i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3
23
BORROW TO UNDERTAKE AN ACTIVITY
WHICH ENHANCES YOUR INCOME
24
Monthly Summary
Income : Month 10
i. Self
ii. Spouse
iii.
iv.
1. Total Income
2. Loans taken
Expenses : Month 10
i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3
25
BANKS ARE TRANSPARENT
AND CHARGE LESS INTEREST
26
Income : Month 11
i. Self
ii. Spouse
iii.
iv.
1. Total Income
2. Loans taken
Expenses : Month 11
i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3
27
A BANK MEETS ALL YOUR REQUIREMENTS
28
Income : Month 12
i. Self
ii. Spouse
iii.
iv.
1. Total Income
2. Loans taken
Expenses : Month 12
i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3
29
Yearly Summary
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
TOTAL
30
Notes
31
Notes
32
Reserve Bank of India
Disclaimer
Financial education initiatives of the Reserve Bank of India are for providing general
information and guidance to the common person. The concepts of banking explained in the
publication are only for easy understanding of people and do not give legal or technical
explanations. Users of this information may exercise their own care and judgement while
using it. Every effort has been made to avoid errors or omission in this publication.
Nevertheless, any mistake, error or discrepancy noted may be brought to the notice at
address mentioned therein, which shall be rectified in the next edition. It is notified that
the publisher will not be responsible for any damage or loss to anyone, of any kind, in any
manner from use of this material.