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northcarolinasweekΔιαχείριση

10 Νοε 2013 (πριν από 3 χρόνια και 8 μήνες)

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Financial
management


a) The concept of money management

Money as a resource for reaching goals.


Money seems to be caught in the every
problem of living.



b) Purpose of budgeting

Why it is important to develop and follow a
budget?


c) Guide for planning a budget

1.
Decide on your spending goals

2.
Know exactly how much money you have

3.
Make a list of all your/or your family’s expenses
for the month

4.
Don’t forget that you or your families often have
unexpected expenses

5.
Compare your income to your expenses

6.
Make up your plan

7.
Keep records and review

8.
Prepare a net worth statement




d) The principle of financial management

1.
Prioritize goals and set standards

2.
Analyze financial resources

3.
Make a budget to control spending and
saving

4.
Keep adequate records

5.
Set credit limits and use them responsibly

6.
Build wealth early and systematically

7.
Protect asset adequately and reasonably

8.
Check and adjust regularly.



Cost of living in Malaysia

-

Consumer Price Index (
Excl.Rent
): 56.11

-

Rent Index: 12.68

-

Groceries Index: 54.37

-

Restaurants Index: 29.99

-

Consumer Price Plus Rent Index: 40.02

-

Local Purchasing Power: 71.96


Cost of living in Malaysia


Cost of living index (by city)

Tokyo


Kuala Lumpur



Difference

Restaurants

[
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]

[
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]

Meal, Inexpensive Restaurant

11.38

$


2.45

$



-
78.45 %

Meal for 2, Mid
-
range Restaurant, Three
-
course

52.02

$


15.69

$



-
69.84 %

Combo Meal at McDonalds or Similar

7.61

$


3.75

$



-
50.77 %

Domestic Beer (0.5 liter draught)

7.04

$


3.14

$



-
55.35 %

Imported Beer (0.33 liter bottle)

9.79

$


4.10

$



-
58.08 %

Cappuccino (regular)

4.98

$


2.64

$



-
46.88 %

Coke/Pepsi (0.33 liter bottle)

1.81

$


0.61

$



-
65.97 %

Water (0.33 liter bottle)

1.71

$


0.39

$



-
77.06 %



Markets

[
Edit
]

[
Edit
]

Milk (regular), 1 liter

2.56

$


1.67

$



-
34.92 %

Loaf of Fresh White Bread (500g)

2.89

$


0.96

$



-
66.89 %

Eggs (12)

3.16

$


1.35

$



-
57.12 %

Fresh Cheese (1kg)

15.92

$


8.28

$



-
48.00 %

Chicken Breasts (Boneless, Skinless), (1kg)

11.50

$


4.08

$



-
64.54 %

Apples (1kg)

5.99

$


2.41

$



-
59.71 %

Oranges (1kg)

4.29

$


2.78

$



-
35.21 %

Potato (1kg)

3.85

$


1.25

$



-
67.52 %

Lettuce (1 head)

2.35

$


1.15

$



-
50.92 %

Water (1.5 liter bottle)

1.60

$


0.77

$



-
51.80 %

Bottle of Wine (Mid
-
Range)

16.12

$


14.77

$



-
8.39 %

Domestic Beer (0.5 liter bottle)

4.20

$


2.35

$



-
44.05 %

Imported Beer (0.33 liter bottle)

5.16

$


3.33

$



-
35.44 %

Pack of Cigarettes (Marlboro)

6.57

$


3.13

$



-
52.39 %



Transportation

[
Edit
]

[
Edit
]

One
-
way Ticket (local transport)

2.03

$


0.72

$



-
64.46 %

Monthly Pass

121.37

$


33.10

$



-
72.73 %

Taxi Start (Normal Tariff)

9.10

$


1.00

$



-
89.03 %

Taxi 1km (Normal Tariff)

4.19

$


0.73

$



-
82.48 %

Taxi 1hour Waiting (Normal Tariff)

34.04

$


6.41

$



-
81.17 %

Gasoline (1 liter)

2.00

$


0.63

$



-
68.23 %

Volkswagen Golf 1.4 90 KW Trendline (Or Equivalent New Car)

23,087.00

$


42,560.16

$



+84.35 %



Utilities (Monthly)

[
Edit
]

[
Edit
]

Basic (Electricity, Gas, Water, Garbage) for 85m2 Apartment

171.99

$


46.77

$



-
72.81 %

1 min. of Prepaid Mobile Tariff Local (No Discounts or Plans)

1.07

$


0.09

$



-
91.60 %

Internet (6 Mbps, Unlimited Data, Cable/ADSL)

29.83

$


44.96

$



+50.73 %



Sports And Leisure

[
Edit
]

[
Edit
]

Fitness Club, Monthly Fee for 1 Adult

115.05

$


51.26

$



-
55.44 %

Tennis Court Rent (1 Hour on Weekend)

10.00

$


6.27

$



-
37.30 %

Cinema, International Release, 1 Seat

20.30

$


3.80

$



-
81.29 %



Clothing And Shoes

[
Edit
]

[
Edit
]

1 Pair of Levis 501 (Or Equivalent)

110.39

$


78.48

$



-
28.91 %

1 Summer Dress in a Chain Store (Zara, H&M, ...)

75.82

$


62.89

$



-
17.05 %

1 Pair of Nike Shoes

122.91

$


82.52

$



-
32.86 %

1 Pair of Men Leather Shoes

190.87

$


72.91

$



-
61.80 %



Rent Per Month

[
Edit
]

[
Edit
]

Apartment (1 bedroom) in City Centre

1,903.33

$


398.65

$



-
79.06 %

Apartment (1 bedroom) Outside of Centre

1,250.74

$


274.67

$



-
78.04 %

Apartment (3 bedrooms) in City Centre

4,539.59

$


971.96

$



-
78.59 %

Apartment (3 bedrooms) Outside of Centre

2,355.59

$


530.93

$



-
77.46 %



Buy Apartment Price

[
Edit
]

[
Edit
]

Price per Square Meter to Buy Apartment in City Centre

16,772.54

$


1,630.09

$



-
90.28 %

Price per Square Meter to Buy Apartment Outside of Centre

11,229.31

$


988.55

$



-
91.20 %



Salaries And Financing

[
Edit
]

[
Edit
]

Median Monthly Disposable Salary (After Tax)

3,939.38

$


1,191.61

$



-
69.75 %

Mortgage Interest Rate in Percentanges (%), Yearly

2.09


5.20



+148.80 %



Last update

April, 2012

April, 2012

Contributors (past 18 months)

36

165

Currency: USD

Markets

TOKYO

KUALA LUMPUR

Milk (regular), 1
liter

2.56

$


1.67

$



-
34.92 %

Loaf of Fresh White
Bread (500g)

2.89

$


0.96

$



-
66.89 %

Eggs (12)

3.16

$


1.35

$



-
57.12 %

Fresh Cheese (1kg)

15.92

$


8.28

$



-
48.00 %

Chicken Breasts
(Boneless,
Skinless), (1kg)

11.50

$


4.08

$



-
64.54 %

Apples (1kg)

5.99

$


2.41

$



-
59.71 %

Oranges (1kg)

4.29

$


2.78

$



-
35.21 %

Potato (1kg)

3.85

$


1.25

$



-
67.52 %

Water (1.5 liter
bottle)

1.60

$


0.77

$



-
51.80 %

Tokyo


Kuala Lumpur



Difference

Restaurants

[
Edit
]

[
Edit
]

Meal, Inexpensive Restaurant

11.38

$


2.45

$



-
78.45 %

Meal for 2, Mid
-
range Restaurant, Three
-
course

52.02

$


15.69

$



-
69.84 %

Combo Meal at McDonalds or Similar

7.61

$


3.75

$



-
50.77 %

Domestic Beer (0.5 liter draught)

7.04

$


3.14

$



-
55.35 %

Imported Beer (0.33 liter bottle)

9.79

$


4.10

$



-
58.08 %

Cappuccino (regular)

4.98

$


2.64

$



-
46.88 %

Coke/Pepsi (0.33 liter bottle)

1.81

$


0.61

$



-
65.97 %

Water (0.33 liter bottle)

1.71

$


0.39

$



-
77.06 %



Markets

[
Edit
]

[
Edit
]

Milk (regular), 1 liter

2.56

$


1.67

$



-
34.92 %

Loaf of Fresh White Bread (500g)

2.89

$


0.96

$



-
66.89 %

Eggs (12)

3.16

$


1.35

$



-
57.12 %

Fresh Cheese (1kg)

15.92

$


8.28

$



-
48.00 %

Chicken Breasts (Boneless, Skinless), (1kg)

11.50

$


4.08

$



-
64.54 %

Apples (1kg)

5.99

$


2.41

$



-
59.71 %

Oranges (1kg)

4.29

$


2.78

$



-
35.21 %

Potato (1kg)

3.85

$


1.25

$



-
67.52 %

Lettuce (1 head)

2.35

$


1.15

$



-
50.92 %

Water (1.5 liter bottle)

1.60

$


0.77

$



-
51.80 %

Bottle of Wine (Mid
-
Range)

16.12

$


14.77

$



-
8.39 %

Domestic Beer (0.5 liter bottle)

4.20

$


2.35

$



-
44.05 %

Imported Beer (0.33 liter bottle)

5.16

$


3.33

$



-
35.44 %

Pack of Cigarettes (Marlboro)

6.57

$


3.13

$



-
52.39 %



Transportation

[
Edit
]

[
Edit
]

One
-
way Ticket (local transport)

2.03

$


0.72

$



-
64.46 %

Monthly Pass

121.37

$


33.10

$



-
72.73 %

Taxi Start (Normal Tariff)

9.10

$


1.00

$



-
89.03 %

Taxi 1km (Normal Tariff)

4.19

$


0.73

$



-
82.48 %

Taxi 1hour Waiting (Normal Tariff)

34.04

$


6.41

$



-
81.17 %

Gasoline (1 liter)

2.00

$


0.63

$



-
68.23 %

Volkswagen Golf 1.4 90 KW Trendline (Or Equivalent New Car)

23,087.00

$


42,560.16

$



+84.35 %



Utilities (Monthly)

[
Edit
]

[
Edit
]

Basic (Electricity, Gas, Water, Garbage) for 85m2 Apartment

171.99

$


46.77

$



-
72.81 %

1 min. of Prepaid Mobile Tariff Local (No Discounts or Plans)

1.07

$


0.09

$



-
91.60 %

Internet (6 Mbps, Unlimited Data, Cable/ADSL)

29.83

$


44.96

$



+50.73 %



Sports And Leisure

[
Edit
]

[
Edit
]

Fitness Club, Monthly Fee for 1 Adult

115.05

$


51.26

$



-
55.44 %

Tennis Court Rent (1 Hour on Weekend)

10.00

$


6.27

$



-
37.30 %

Cinema, International Release, 1 Seat

20.30

$


3.80

$



-
81.29 %



Clothing And Shoes

[
Edit
]

[
Edit
]

1 Pair of Levis 501 (Or Equivalent)

110.39

$


78.48

$



-
28.91 %

1 Summer Dress in a Chain Store (Zara, H&M, ...)

75.82

$


62.89

$



-
17.05 %

1 Pair of Nike Shoes

122.91

$


82.52

$



-
32.86 %

1 Pair of Men Leather Shoes

190.87

$


72.91

$



-
61.80 %



Rent Per Month

[
Edit
]

[
Edit
]

Apartment (1 bedroom) in City Centre

1,903.33

$


398.65

$



-
79.06 %

Apartment (1 bedroom) Outside of Centre

1,250.74

$


274.67

$



-
78.04 %

Apartment (3 bedrooms) in City Centre

4,539.59

$


971.96

$



-
78.59 %

Apartment (3 bedrooms) Outside of Centre

2,355.59

$


530.93

$



-
77.46 %



Buy Apartment Price

[
Edit
]

[
Edit
]

Price per Square Meter to Buy Apartment in City Centre

16,772.54

$


1,630.09

$



-
90.28 %

Price per Square Meter to Buy Apartment Outside of Centre

11,229.31

$


988.55

$



-
91.20 %



Salaries And Financing

[
Edit
]

[
Edit
]

Median Monthly Disposable Salary (After Tax)

3,939.38

$


1,191.61

$



-
69.75 %

Mortgage Interest Rate in Percentanges (%), Yearly

2.09


5.20



+148.80 %



Last update

April, 2012

April, 2012

Contributors (past 18 months)

36

165

Currency: USD

Kertas

Kerja

Kedua

(10%)
-

tidak

melebihi

10
mukasurat
,

sila

hantar

pada

27 April 2012

Pilih

salah

satu

dari

tiga

tajuk

di

bwah
:


1.
Perbezaan

antara

Generasi

X
dan

Generasi

Y
dalam

perbelanjaan
.


2.
Sejauhmana

kenaikan

harga

barangan

di

Malaysia
mempengaruhi

perbelanjaan

isirumah
.
Berikan

pendapat

dan

cadangan

yang
perlu

diambil

oleh

isirumah

bagi

mengelakkan

masalah

kewangan

isirumah
.


3.
Penggunaan

masa

dalam

kalangan

ibu

yang
berkerjaya
.
Berikan

pendapat

dan

cadangan

bagi

ibu

untuk

membahagikan

masa

yang
berkualiti

untuk

keluarga

dan

kerjaya
.