Assets Flat Fixed Deposit Cash Mutual Fund Stocks Loan Given Jewelry Car Interest Total Interest

Paid@15%p.a, Only 1 Installment paid Telephone and electrcity expense assumed per annum Car Depriciated by 20% p.a. WDV Liability Tax Telephone and Electricity Total Net Worth 35000 5000 40000 3049800 2000000 200000 30000 150000 150000 47500 300000 204800 7500 3089800

His Net worth could be increased instead of FD And

His Net worth could be increased by investing in Higher return giving Investments like gold/Silver, Equity instead of FD And Loan and also by investing in Tax saving Investments to save 35000 tax

Expense EMI Flat EMICar Insurance Premium Petrol Grocery Entertainment Mobile&Utilities Surplus Discretionary Expense Entertainment

Total % to income

Income and Expense Amount Income 48000 Earning 24000 Interest Income 48000 36000 96000 24000 72000 136800 484800 Total Income Non Discretionary Expense 24000 Grocery Petrol Mobile&Utilities EMI And Insurance Premium 24000 Total 4.95049505 % to Income

Discretionary Income Total Income Minus Grocery EMI of flat and Car Petrol Mobile Total Discretionary Income

Non Discretionary Income 484800 Total Non Discretionary income 96000 Total Income - Total D Income 72000 36000 72000 208800

Amount 480000 4800

Assumption : Credit Card bill expense not accounted as it would have been used Which is already accounted for 484800 96000 36000 72000 120000 324000 66.83168317

276000

would have been used to pay the expense

Outflow Eating Fruits Conveyance Misc Exp Shoe Bag Total Expense Surplus

Inflow 150 ICICI BANK 45 50 500 900 700 2345 Total Income 655

Postive Cash Flow Better than May

3000

3000