Sharing Expenses transaction steps

1) Screenshot the expenses tracker to hubby,

2) HBO and Harith have to transfer our portion into Joint Account.
3) HBO will pay MBB CC direct from joint account for kids insurance and Washing machine.
4) HBO have to transfer required amount from joint account to own CIMB to pay CC CIMB. (Mostly for Lazad
5) Screenshot the joint account transaction to hubby.
6) Update the debt tracker

Joint Account >> MBB credit card

[kids insurance, washing machine]
>> Haslina's CIMB >

Savings
1) Must focus on emergency fund to hit 1st RM3000.
2) Once hit RM3000, transfer to Alliance bank.
3) Rebuild Emergency fund in MBB for another RM3000 perhaps in shorter months. (must see current financia
4) Focus on clearing credit card outstanding and other debts.
5) [Optional] By 27th of every month, after salary paycheck, see if you have additional RM50 to deposit on Go
6) By 27th of every month, once salary is in, please transfer the account balance (except the salary) to clear credit

Once Emergency >> Transfer to Alliance Bank >

fund hits

on 27th , >> transfer RM50 from account

balance not from the salary to
>> clear credit card
outstanding/debts by using the
kids insurance and Washing machine.
unt to own CIMB to pay CC CIMB. (Mostly for Lazada PayLater purchase)

CIMB CC [Lazpay]

perhaps in shorter months. (must see current financial situation ath the time)

eck, see if you have additional RM50 to deposit on Gold Investment account.
er the account balance (except the salary) to clear credit cards outstanding / any short term debts.

Rebuild emergency fund back for RM3000

in shorter period (if possible)
 Total Savings $18,614.49
Goal $24,000.00
Estimation monthly savings $513.92

Emergency MBB $3,000.00

Saved so far $3,580.78 119.36%
Remaining -$580.78 -19.36%
Monthly $230.77

Month Amount Date

1 -450.00
2 230.77 25 Feb
3 230.77 25 Mar
4 230.77 25 Apr
5 230.77 25 May
6 230.77 25 June
7 230.77 25 July
8 330.77
9 330.77
10 330.77
11 330.77
12 330.77
13 330.77
14 330.77
15 330.77
 ASB $20,000.00 Gold Investment MBB $1,000.00
Saved so far $15,031.45 75.16% Saved so far $2.26
Remaining $4,968.55 24.84% Remaining $997.74
Monthly estimation $100.00 Monthly estimation $83.15

Month Amount Date Month Amount

1 15,031.45 2 Aug 1 $2.26
2 2
3 3
4 4
5 5
6 6
7 7
8 8
9 9
10 10
11 11
12 12
13
14
15
16
17
18
19
20
21
22
23
24
 Alliance Bank (mine) $1,000.00
0.23% Saved so far $1,184.91 118.49%
99.77% Remaining -$184.91 -18.49%
Monthly estimation $100.00

Date Month Amount Date

2 Aug 1 $84.91 2 Aug
2 $100.00
3 $100.00
4 $100.00
5 $100.00
6 $100.00
7 $100.00
8 $100.00
9 $100.00
10 $100.00
11 $100.00
12 $100.00
 TOTAL 6x DEBT $ 343,551.70 100%

TOTAL BALANCE $ 303,699.03 88%

TOTAL PAID $ 39,852.67 12%

MONTHLY COMMITMENT $ 3,800.09

1 2

CAR MAYBANK 789832607795 AL RAJHI LOAN 162000000500077

TOTAL $88,829.24 TOTAL $248,777.00

BALANCE $69,900.24 79% BALANCE $230,626.00
PAID $18,929.00 21% PAID $18,151.00
MONTHS LEFT (OUT OF 108 (OUT OF 96
MONTHS) 85 MONTHS) 89
MONTHLY $823.00 MONTHLY $2,593.00

MONTH AMOUNT DATE PAID MONTH AMOUNT

1 823.00 30-Nov 1 2,593.00
2 823.00 30-Dec 2 2,593.00
3 823.00 30-Jan 3 2,593.00
4 823.00 28-Feb 4 2,593.00
5 823.00 30-Mar 5 2,593.00
6 823.00 30-Apr 6 2,593.00
7 823.00 30-May 7 2,593.00
8 823.00 30-Jun 8
9 823.00 30-Jul 9
10 823.00 30-Aug 10
11 823.00 30-Sep 11
12 823.00 30-Oct 12
13 823.00 30 Nov 13
14 823.00 30-Dec 14
15 823.00 30-Jan 15
16 823.00 28-Feb 16
17 823.00 30-Mar 17
18 823.00 30 Apr 18
19 823.00 30-May 19
20 823.00 30-Jun 20
21 823.00 30-Jul 21
22 823.00 30-Aug 22
23 823.00 30-Sep 23
24 24
25 25
26 26
27 27
28 28
29 29
30 30
31 31
32 32
33 33
34 34
35 35
36 36
37 37
38 38
39 39
40 40
41 41
42 42
43 43
44 44
45 45
46 46
47 47
48 48
49 49
50 50
51 51
52 52
53 53
54 54
55 55
56 56
57 57
58 58
59 59
60 60
61 61
62 62
63 63
64 64
65 65
66 66
67 67
68 68
69 69
70 70
71 71
72 72
73 73
74 74
75 75
76 76
77 77
78 78
79 79
80 80
81 81
82 82
83 83
84 84
85 85
86 86
87 87
88 88
89 89
90 90
91 91
92 92
93 93
94 94
95 95
96 96
97
98
99
100
101
102
103
104
105
106
107
108
 3 4

WASHING MBB CC EZY CASH MBB CC

MACHINE
TOTAL $1,209.00 TOTAL $2,355.12
93% BALANCE $1,007.50 83% BALANCE $392.52
7% PAID $201.50 17% PAID $1,962.60
(OUT OF 12 MONTHS LEFT (OUT OF 24
MONTHS) 10 MONTHS) 4
MONTHLY $100.75 MONTHLY $98.13

DATE PAID MONTH AMOUNT DATE PAID MONTH AMOUNT

1-Apr 1 100.75 23-Jul 1 98.13
1-May 2 100.75 27-Jul 2 98.13
1-Jun 3 3 98.13
1-Jul 4 4 98.13
1-Aug 5 5 98.13
1-Sep 6 6 98.13
1-Oct 7 7 98.13
8 8 98.13
9 9 98.13
10 10 98.13
11 11 98.13
12 12 98.13
13 98.13
14 98.13
15 98.13
16 98.13
17 98.13
18 98.13
19 98.13
20 98.13
21
22
23
24
 5 6

CASHLITE CIMB CC CASHLITE SHOPEE CIMB CC

PAY LATER
TOTAL $1,451.52 TOTAL $929.82
17% BALANCE $997.92 69% BALANCE $774.85
83% PAID $453.60 31% PAID $154.97
(OUT OF 48 (OUT OF 6
MONTHS) 33 MONTHS) 5
MONTHLY $30.24 MONTHLY $154.97

DATE PAID MONTH AMOUNT DATE PAID MONTH AMOUNT

1 30.24 1 154.97
2 30.24 2
3 30.24 3
4 30.24 4
5 30.24 5
6 30.24 6
7 30.24
8 30.24
9 30.24
10 30.24
11 30.24
12 30.24
13 30.24
14 30.24
15 30.24
16
17
18
19
27-Jul 20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
83%
17%

DATE PAID
MONTHLY FAMILY EXPENSES (ESTIMATION)

Kids
Gibby Rumi
Budget Actual Budget Actual
Insurance RM30x 4 650g x4 143.55 143.55 143.55 143.55
Formula RM79x 4 700g x4 120.00 140.20 316.00 294.6
Diapers RM40x 1 RM40 x1 40.00 65.80 40.00 33.89
Washing machine 1209
Joie Stroller
Rumi's Nanny 1600
Gibran's school 1500

303.55 499.55

Groceries
Food
 TOTAL

287.10
434.80
99.69
100.75
129.23 1,051.57 525.785

1,051.57

200
TBC

1,251.57 625.785
Sept
INCOME
BILLS
DEBT
EXPENSES

INCOME EXPECTED ACTUAL BILLS

Salary $ 6,950.00 $ 6,950.00 ###
Nafkah TRUE
###
TRUE
###
TOTAL $ 6,950.00 $ 6,950.00 ###
###
###
SAVINGS EXPECTED ACTUAL PURPOSES ###
ASB $ 100.00 savings ###
EMERGENCY $ 230.77 $ 230.77 savings ###
FAMILY ###
GOLD $ 141.17 0.5 gram ###
GIBBY - ASB ###
GIBBY - EDU $ 50.00 ###
RUMI - ASB ###
RUMI - EDU ###
TOTAL $ 230.77 $ 521.94 ###
$ 471.94 ###
###
###
###
###
VIA ###
CASH ###
CIMB_CC ###
CIMB_ONLINE TOTAL
MAYBANK_CC 15 June
MAYBANK_FAMILY DEBT
MAYBANK_ONLINE 0
1
###
 ###
1
VIA SUM of ACTUAL 0
$ 2,000.00 0
CIMB_CC $ 185.20 $ 185.20 0
MAYBANK $ 823.00 TOTAL
MAYBANK_CC $ 148.51 $ 148.51
Grand Total $ 3,156.71

VIA SUM of ACTUAL

CIMB $ 74.90
CIMB_CC $ 567.75
MAYBANK $ 322.26 $ 567.75
MAYBANK_CC $ 382.76
(empty) $ 11.90 $ 382.76
Total Result $ 1,359.57 752.95 531.265
$ 6,800.00 BALANCE $ 914.45
$ 1,359.57
$ 3,156.71
$ 1,841.22

BILLS DUE BUDGET ACTUAL VIA 0

Insurance - Etiqa $ 22.26 $ 22.26 MAYBANK 0
Insurance: Gibby 16 $ 143.55 MAYBANK_CC ###
Insurance: Me 16 $ 214.00 $ 214.00 MAYBANK_CC ###
Insurance: Rumi 4 $ 143.55 MAYBANK_CC ###
###
###
Subscription - Cuckoo $ 78.00 $ 150.74 MAYBANK_CC ###
Subscription - i cloud 12 $ 11.90 $ 11.90 ###
Subscription - i Tune ###
Subscription - Netfilx $ 18.02 $ 18.02 MAYBANK_CC ###
Subscription - Spotify 28 $ 14.90 $ 14.90 CIMB ###
Subscription- LG 6 $ 60.00 $ 60.00 CIMB ###
###
CIMB_CC ###
Utilies - Phone $ 112.35 $ 355.75 CIMB_CC ###
Utilities - Astro $ 200.00 $ 212.00 CIMB_CC ###
Utilities - Electric KG $ 50.00 $ - MAYBANK ###
Ayah $ 300.00 MAYBANK ###
###
###
###
###
###
###
###
###
TOTAL $ 1,068.53 $ 1,359.57 ###
###
DEBT DUE BUDGET ACTUAL VIA ###
LOAN 1 $ 2,593.00 $ 2,000.00 ###
CAR 30 $ 823.00 $ 823.00 MAYBANK ###
CIMB_CC ###
 ###
HARVEY NORMAN (Washing 27 $ 100.75 $ 50.38 MAYBANK_CC ###
Machine)
EZYCASH MAYBANK 27 $ 98.13 $ 98.13 MAYBANK_CC ###
CASHLITE CIMB 20 $ 30.24 $ 30.24 CIMB_CC ###
FLEXI PP SPAYLATER REPAY 8 $ 154.96 $ 154.96 CIMB_CC ###
TOTAL $ 3,800.08 $ 3,156.71 ###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
0
 EXPENSE TRACKER SEPTEMBER
DATE PURCHASE AMOUNT THIS MONTH VIA
Joie Stroller_Lazada $ 1,550.75 $ 129.23 CIMB_CC
Gibran formula_Lazada $ 210.30 $ 70.10 CIMB_CC
Ru formula 260.09 90.61 CIMB_CC
monitor $ 77.78 CIMB_CC
Insurance Gibby $ (143.55) MAYBANK_FAMILY
Insurance Rumi $ (143.55) MAYBANK_FAMILY
MAYBANK
CIMB_CC

Jannah $ 1,800.00 $ 900.00 CIMB_CC

Gibran school $ 750.00 MAYBANK
Shopee Pay $ 239.83 CIMB_CC
TOTAL $ 2,270.39 $ 1,841.22
MBER
NOTES
Lazada via Paylater 12x (balance 6x months)
Lazada via Paylater 3x (balance 0x months)
Lazada via Paylater 3x (balance 1x months)
Lazada via Paylater 12x (balance 8x months)
Sept
INCOME
BILLS
DEBT
EXPENSES

INCOME EXPECTED ACTUAL BILLS

Salary $ 6,950.00 $ 6,950.00 0
Nafkah 1
0
1
###
TOTAL $ 6,950.00 $ 6,950.00 ###
0
0
SAVINGS EXPECTED ACTUAL PURPOSES 0
ASB $ 100.00 savings 0
EMERGENCY $ 230.77 $ 230.77 savings 0
FAMILY 0
GOLD $ 141.17 0.5 gram ###
GIBBY - ASB ###
GIBBY - EDU $ 50.00 0
RUMI - ASB 0
RUMI - EDU 0
TOTAL $ 230.77 $ 521.94 0
$ 471.94 ###
###
###
###
###
VIA ###
CASH ###
CIMB_CC ###
CIMB_ONLINE TOTAL
MAYBANK_CC 15 June
MAYBANK_FAMILY DEBT
MAYBANK_ONLINE 0
1
###
 ###
1
VIA SUM of ACTUAL 0
$ 2,000.00 0
CIMB_CC $ 185.20 $ 185.20 0
MAYBANK $ 823.00 TOTAL
MAYBANK_CC $ 148.51 $ 148.51
Grand Total $ 3,156.71

VIA SUM of ACTUAL

$ 11.90
CIMB $ 74.90
CIMB_CC $ 567.75 $ 567.75
MAYBANK $ 322.26
MAYBANK_CC $ 382.76 $ 382.76
Grand Total $ 1,359.57 752.95 531.265
$ 6,800.00 BALANCE $ 914.45
$ 1,359.57
$ 3,156.71
$ 1,841.22

BILLS DUE BUDGET ACTUAL VIA 0

Insurance - Etiqa $ 22.26 $ 22.26 MAYBANK 0
Insurance: Gibby 16 $ 143.55 MAYBANK_CC ###
Insurance: Me 16 $ 214.00 $ 214.00 MAYBANK_CC ###
Insurance: Rumi 4 $ 143.55 MAYBANK_CC ###
###
###
Subscription - Cuckoo $ 78.00 $ 150.74 MAYBANK_CC ###
Subscription - i cloud 12 $ 11.90 $ 11.90 ###
Subscription - i Tune ###
Subscription - Netfilx $ 18.02 $ 18.02 MAYBANK_CC ###
Subscription - Spotify 28 $ 14.90 $ 14.90 CIMB ###
Subscription- LG 6 $ 60.00 $ 60.00 CIMB ###
###
CIMB_CC ###
Utilies - Phone $ 112.35 $ 355.75 CIMB_CC ###
Utilities - Astro $ 200.00 $ 212.00 CIMB_CC ###
Utilities - Electric KG $ 50.00 $ - MAYBANK ###
Ayah $ 300.00 MAYBANK ###
###
###
###
###
###
###
###
###
TOTAL $ 1,068.53 $ 1,359.57 ###
###
DEBT DUE BUDGET ACTUAL VIA ###
LOAN 1 $ 2,593.00 $ 2,000.00 ###
CAR 30 $ 823.00 $ 823.00 MAYBANK ###
CIMB_CC ###
 ###
HARVEY NORMAN (Washing 27 $ 100.75 $ 50.38 MAYBANK_CC ###
Machine)
EZYCASH MAYBANK 27 $ 98.13 $ 98.13 MAYBANK_CC ###
CASHLITE CIMB 20 $ 30.24 $ 30.24 CIMB_CC ###
FLEXI PP SPAYLATER REPAY 8 $ 154.96 $ 154.96 CIMB_CC ###
TOTAL $ 3,800.08 $ 3,156.71 ###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
0
 EXPENSE TRACKER SEPTEMBER
DATE PURCHASE AMOUNT THIS MONTH VIA
Joie Stroller_Lazada $ 1,550.75 $ 129.23 CIMB_CC
Gibran formula_Lazada $ 210.30 $ 70.10 CIMB_CC
Ru formula 260.09 90.61 CIMB_CC
monitor $ 77.78 CIMB_CC
Insurance Gibby $ (143.55) MAYBANK_FAMILY
Insurance Rumi $ (143.55) MAYBANK_FAMILY
MAYBANK
CIMB_CC

Jannah $ 1,800.00 $ 900.00 CIMB_CC

Gibran school $ 750.00 MAYBANK
Shopee Pay $ 239.83 CIMB_CC
TOTAL $ 2,270.39 $ 1,841.22
MBER
NOTES
Lazada via Paylater 12x (balance 6x months)
Lazada via Paylater 3x (balance 0x months)
Lazada via Paylater 3x (balance 1x months)
Lazada via Paylater 12x (balance 8x months)
Sept
INCOME
BILLS
DEBT
EXPENSES

INCOME EXPECTED ACTUAL BILLS

Salary $ 6,950.00 $ 6,950.00 0
Nafkah 1
0
1
###
TOTAL $ 6,950.00 $ 6,950.00 ###
0
0
SAVINGS EXPECTED ACTUAL PURPOSES 0
ASB $ 100.00 savings 0
EMERGENCY $ 230.77 $ 230.77 savings 0
FAMILY 0
GOLD $ 141.17 0.5 gram ###
GIBBY - ASB ###
GIBBY - EDU $ 50.00 0
RUMI - ASB 0
RUMI - EDU 0
TOTAL $ 230.77 $ 521.94 0
$ 471.94 ###
###
###
###
###
VIA ###
CASH ###
CIMB_CC ###
CIMB_ONLINE TOTAL
MAYBANK_CC 15 June
MAYBANK_FAMILY DEBT
MAYBANK_ONLINE 0
1
###
 ###
1
VIA SUM of ACTUAL 0
$ 2,000.00 0
CIMB_CC $ 185.20 $ 185.20 0
MAYBANK $ 823.00 TOTAL
MAYBANK_CC $ 148.51 $ 148.51
Grand Total $ 3,156.71

VIA SUM of ACTUAL

$ 11.90
CIMB $ 74.90
CIMB_CC $ 567.75 $ 567.75
MAYBANK $ 322.26
MAYBANK_CC $ 382.76 $ 382.76
Grand Total $ 1,359.57 752.95 531.265
$ 6,950.00 BALANCE $ 1,064.45
$ 1,359.57
$ 3,156.71
$ 1,841.22

BILLS DUE BUDGET ACTUAL VIA 0

Insurance - Etiqa $ 22.26 $ 22.26 MAYBANK 0
Insurance: Gibby 16 $ 143.55 MAYBANK_CC ###
Insurance: Me 16 $ 214.00 $ 214.00 MAYBANK_CC ###
Insurance: Rumi 4 $ 143.55 MAYBANK_CC ###
###
###
Subscription - Cuckoo $ 78.00 $ 150.74 MAYBANK_CC ###
Subscription - i cloud 12 $ 11.90 $ 11.90 ###
Subscription - i Tune ###
Subscription - Netfilx $ 18.02 $ 18.02 MAYBANK_CC ###
Subscription - Spotify 28 $ 14.90 $ 14.90 CIMB ###
Subscription- LG 6 $ 60.00 $ 60.00 CIMB ###
###
CIMB_CC ###
Utilies - Phone $ 112.35 $ 355.75 CIMB_CC ###
Utilities - Astro $ 200.00 $ 212.00 CIMB_CC ###
Utilities - Electric KG $ 50.00 $ - MAYBANK ###
Ayah $ 300.00 MAYBANK ###
###
###
###
###
###
###
###
###
TOTAL $ 1,068.53 $ 1,359.57 ###
###
DEBT DUE BUDGET ACTUAL VIA ###
LOAN 1 $ 2,593.00 $ 2,000.00 ###
CAR 30 $ 823.00 $ 823.00 MAYBANK ###
CIMB_CC ###
 ###
HARVEY NORMAN (Washing 27 $ 100.75 $ 50.38 MAYBANK_CC ###
Machine)
EZYCASH MAYBANK 27 $ 98.13 $ 98.13 MAYBANK_CC ###
CASHLITE CIMB 20 $ 30.24 $ 30.24 CIMB_CC ###
FLEXI PP SPAYLATER REPAY 8 $ 154.96 $ 154.96 CIMB_CC ###
TOTAL $ 3,800.08 $ 3,156.71 ###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
0
 EXPENSE TRACKER SEPTEMBER
DATE PURCHASE AMOUNT THIS MONTH VIA
Joie Stroller_Lazada $ 1,550.75 $ 129.23 CIMB_CC
Gibran formula_Lazada $ 210.30 $ 70.10 CIMB_CC
Ru formula 260.09 90.61 CIMB_CC
monitor $ 77.78 CIMB_CC
Insurance Gibby $ (143.55) MAYBANK_FAMILY
Insurance Rumi $ (143.55) MAYBANK_FAMILY
MAYBANK
CIMB_CC

Jannah $ 1,800.00 $ 900.00 CIMB_CC

Gibran school $ 750.00 MAYBANK
Shopee Pay $ 239.83 CIMB_CC
TOTAL $ 2,270.39 $ 1,841.22
MBER
NOTES
Lazada via Paylater 12x (balance 6x months)
Lazada via Paylater 3x (balance 0x months)
Lazada via Paylater 3x (balance 1x months)
Lazada via Paylater 12x (balance 8x months)
Sept
INCOME
BILLS
DEBT
EXPENSES

INCOME EXPECTED ACTUAL BILLS

Salary $ 6,950.00 $ 6,950.00 0
Nafkah $ 700.00 1
1
1
###
TOTAL $ 6,950.00 $ 7,650.00 ###
0
0
SAVINGS EXPECTED ACTUAL PURPOSES 0
ASB $ 100.00 savings 1
EMERGENCY $ 230.77 $ 230.77 savings 0
FAMILY 0
GOLD $ 141.17 0.5 gram ###
GIBBY - ASB ###
GIBBY - EDU $ 150.00 Prime 50, Delima 100 1
RUMI - ASB 1
RUMI - EDU 0
TOTAL $ 230.77 $ 621.94 0
###
###
###
###
###
VIA ###
CASH ###
CIMB_CC ###
CIMB_ONLINE TOTAL
MAYBANK_CC 15 June
MAYBANK_FAMILY DEBT
MAYBANK_ONLINE 0
0
###
 ###
0
VIA SUM of ACTUAL 0
$ 2,000.00 0
CIMB_CC $ 185.20 $ 185.20 0
MAYBANK $ 823.00 TOTAL
MAYBANK_CC $ 148.51 $ 148.51
Grand Total $ 3,156.71

VIA SUM of ACTUAL

$ 11.90
CIMB $ 74.90
CIMB_CC $ 479.55 $ 479.55
MAYBANK $ 322.26
MAYBANK_CC $ 669.86 $ 669.86
Grand Total $ 1,558.47 664.75 818.365
$ 7,650.00 BALANCE $ 1,076.56
$ 1,558.47
$ 3,156.71
$ 1,858.27

BILLS DUE BUDGET ACTUAL VIA 0

Insurance - Etiqa $ 22.26 $ 22.26 MAYBANK 0
Insurance: Gibby 16 $ 143.55 $ 143.55 MAYBANK_CC 1
Insurance: Me 16 $ 214.00 $ 214.00 MAYBANK_CC 1
Insurance: Rumi 4 $ 143.55 $ 143.55 MAYBANK_CC 1
###
###
Subscription - Cuckoo $ 78.00 $ 150.74 MAYBANK_CC ###
Subscription - i cloud 12 $ 11.90 $ 11.90 1
Subscription - i Tune 1
Subscription - Netfilx $ 18.02 $ 18.02 MAYBANK_CC 1
Subscription - Spotify 28 $ 14.90 $ 14.90 CIMB 0
Subscription- LG 6 $ 60.00 $ 60.00 CIMB ###
###
CIMB_CC ###
Utilies - Phone $ 112.35 $ 355.75 CIMB_CC ###
Utilities - Astro $ 200.00 $ 123.80 CIMB_CC ###
Utilities - Electric KG $ 50.00 $ - ###
Ayah $ 300.00 MAYBANK ###
###
###
###
###
###
###
###
###
TOTAL $ 1,068.53 $ 1,558.47 ###
###
DEBT DUE BUDGET ACTUAL VIA ###
LOAN 1 $ 2,593.00 $ 2,000.00 ###
CAR 30 $ 823.00 $ 823.00 MAYBANK ###
CIMB_CC ###
 ###
HARVEY NORMAN (Washing 27 $ 100.75 $ 50.38 MAYBANK_CC ###
Machine)
EZYCASH MAYBANK 27 $ 98.13 $ 98.13 MAYBANK_CC ###
CASHLITE CIMB 20 $ 30.24 $ 30.24 CIMB_CC ###
FLEXI PP SPAYLATER REPAY 8 $ 154.96 $ 154.96 CIMB_CC ###
TOTAL $ 3,800.08 $ 3,156.71 ###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
0
 EXPENSE TRACKER SEPTEMBER
DATE PURCHASE AMOUNT THIS MONTH VIA
13 Apr Joie Stroller_Lazada $ 1,550.75 $ (129.23) CIMB_CC
3 Jul Diapers_Lazada $ 130.83 $ (43.63) CIMB_CC
20 Jul Gibran formula_Lazada $ 210.30 $ (70.10) CIMB_CC

MAYBANK_CC
3 Sep Ru formula 260.09 -90.61 CIMB_CC
4 Oct Jannah $ 1,800.00 $ 900.00 CIMB_CC
3 Oct Gibran $ 750.00 MAYBANK
4 Oct Shopee Pay $ 412.61 CIMB_CC
TOTAL $ 2,401.22 $ 1,858.27
MBER
NOTES
Lazada via Paylater 12x (balance 7x months)
Lazada via Paylater 3x (balance 0x months)
Lazada via Paylater 3x (balance 1x months)

CC installment 0% interest (balance 9x months

Lazada via Paylater 3x (balance 2x months)
July

INCOME
BILLS
DEBT
EXPENSES

TOTAL
INCOME EXPECTED ACTUAL BILLS
Salary $ 3,000.00 $ 5,389.59 0
Nafkah $ 700.00 1
ASB $ 2,000.00 1
1
0
TOTAL $ 3,000.00 $ 8,089.59 0
0
0
SAVINGS EXPECTED ACTUAL PURPOSES 0
ASB 1
EMERGENCY $ 230.77 0
FAMILY 0
GIBBY - ASB 0
GIBBY - EDU 1
RUMI - ASB 0
RUMI - EDU 1
TOTAL $ 230.77 $ - 0
0
0
0
0
###
VIA ###
CASH ###
CIMB_CC ###
CIMB_ONLINE
MAYBANK_CC 15 June TOTAL
MAYBANK_FAMILY DEBT
MAYBANK_ONLINE 0
1
 ###
###
1
VIA SUM of ACTUAL 1
$ - 1
CIMB_CC $ 185.20 $ 185.20 1
MAYBANK $ 823.00 1
MAYBANK_CC $ 250.98 $ 250.98
Grand Total $ 1,259.18

VIA SUM of ACTUAL

$ 11.90
CIMB $ 74.90
CIMB_CC $ 385.05 $ 385.05
MAYBANK $ 678.69
MAYBANK_CC $ 357.55 $ 357.55
Grand Total $ 1,508.09 570.25 608.53
$ 8,089.59 BALANCE $ 3,358.07
$ 1,508.09
$ 1,309.56
$ 1,913.88

$ 6,868.48 $ 2,817.65
TOTAL $ 2,915.55 $ 1,508.09
BILLS DUE BUDGET ACTUAL DATE PAID VIA
Insurance - Etiqa $ 22.26 $ 22.26 MAYBANK
Insurance: Gibby 16 $ 143.55 $ 71.78 27 July MAYBANK_CC
Insurance: Me 16 $ 214.00 $ 214.00 27 July MAYBANK_CC
Insurance: Rumi 4 $ 143.55 $ 71.78 27 July MAYBANK_CC
Subscription - Coursera $ 65.22 CIMB_CC
Subscription - Coursera 19 $ 49.90 CIMB
Subscription - Cuckoo $ 78.00 $ 150.94 1 Aug MAYBANK
Subscription - i cloud 12 $ 11.90 $ 11.90
Subscription - i Tune
Subscription - Netfilx $ 18.02 $ 36.04 27 July MAYBANK
Subscription - Spotify 28 $ 14.90 $ 14.90 CIMB
Subscription- LG 6 $ 60.00 $ 60.00 CIMB
Subscripton - Canva $ 21.90 $ 21.90 CIMB_CC
Utilies - Phone $ 112.35 $ 257.15 CIMB_CC
Utilities - Astro $ 200.00 $ 106.00 27 July CIMB_CC
Utilities - Electric KG $ 50.00 $ 169.45 MAYBANK
Utilities: Court $ 110.00 26 July
shopee
Ayah $ 300.00 MAYBANK
Jannah $ 850.00
Gibby $ 750.00

TOTAL $ 3,952.93 $ 1,309.56

DEBT DUE BUDGET ACTUAL VIA
LOAN 1 $ 2,593.00
CAR 30 $ 823.00 $ 823.00 MAYBANK
 CIMB_CC

HARVEY NORMAN 27 $ 152.85 $ 152.85 MAYBANK_CC

EZYCASH MAYBANK 27 $ 98.13 $ 98.13 MAYBANK_CC
CASHLITE CIMB 20 $ 30.24 $ 30.24 CIMB_CC
FLEXI PP SPAYLATER REPAY 8 $ 154.96 $ 154.96 CIMB_CC
HARVEY NORMAN (Washing 27 $ 100.75 $ 50.38 MAYBANK_CC
Machine)
 TOTAL $ 2,107.33 $ 1,913.88

EXPENSE TRACKER JULY

DATE PURCHASE AMOUNT THIS MONTH
1 13 Apr Joie Stroller_Lazada $ 1,550.75 $ (129.23)
1 31 May Rumi_formula $ 278.36 $ (92.79)
1 3 Jul Diapers_Lazada $ 130.83 $ (43.61)
1 3 Jul Rumi_formula $ (314.00) $ (314.00)
1 5 Jul Insurance Rumi $ 143.55 $ (143.55)
1 18 Jul Insurance Gibby $ 143.55 $ (143.55)
1 18 Jul Diapers_Grab $ (99.69) $ (99.69)
1 23 Jul Washing machine $ 1,209.00 $ (100.75)
1 28 Jul Shopee $ 894.09 $ 894.09
1 28 Jul Payback $ 1,000.00
1 29 Jul Jewellery $ 510.00
1 29 Jul Breakfast @Umar Suleiman $ 18.00
1 30 Jul Watsons $ 178.05
1 30 Jul Ikea Buns $ 65.10
1 30 Jul Sandal @cotton on $ 69.30
1 2 Aug Lotus $ 24.49
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
EXPENSE TRACKER JULY
VIA NOTES
CIMB_CC Lazada via Paylater 12x (balance 9x months)
CIMB_CC Lazada via Paylater 3x (balance 1 month)
CIMB_CC Lazada via Paylater 3x (balance 2x months)
MAYBANK_FAMILY
MAYBANK_CC paid on 27 July
MAYBANK_CC paid on 27 July
MAYBANK_FAMILY
MAYBANK_CC CC installment 0% interest (balance 11x months
CIMB_CC
CIMB
MAYBANK
MAYBANK
MAYBANK
MAYBANK
MAYBANK
MAYBANK
Aug
INCOME
BILLS
DEBT
EXPENSES

INCOME EXPECTED ACTUAL BILLS

Salary $ 3,000.00 $ 3,000.00 0
Nafkah $ 800.00 1
1
1
###
TOTAL $ 3,000.00 $ 3,800.00 ###
1
0
SAVINGS EXPECTED ACTUAL PURPOSES 0
ASB 1
EMERGENCY $ 230.77 0
FAMILY 0
GIBBY - ASB ###
GIBBY - EDU 1
RUMI - ASB 0
RUMI - EDU 1
TOTAL $ 230.77 $ - 0
###
###
###
###
###
VIA ###
CASH ###
CIMB_CC ###
CIMB_ONLINE TOTAL
MAYBANK_CC 15 June
MAYBANK_FAMILY DEBT
MAYBANK_ONLINE 0
0
###
###
 0
VIA SUM of ACTUAL 0
$ 2,593.00 0
CIMB_CC $ 30.24 $ 30.24 ###
MAYBANK $ 823.00 TOTAL
MAYBANK_CC $ 250.98 $ 250.98
Grand Total $ 3,697.22

VIA SUM of ACTUAL

$ 79.92
CIMB $ 74.90
CIMB_CC $ 257.15 $ 257.15
MAYBANK $ 100.26
MAYBANK_CC $ 501.10 $ 501.10
Grand Total $ 1,013.33 287.39 752.08
$ 6,950.00 BALANCE $ 1,737.89
$ 1,013.33
$ 3,697.22
$ 501.56

BILLS DUE BUDGET ACTUAL VIA 0

Insurance - Etiqa $ 22.26 $ 22.26 MAYBANK 0
Insurance: Gibby 16 $ 143.55 $ 143.55 MAYBANK_CC 1
Insurance: Me 16 $ 214.00 $ 214.00 MAYBANK_CC 1
Insurance: Rumi 4 $ 143.55 $ 143.55 MAYBANK_CC 1
1
1
Subscription - Cuckoo $ 78.00 $ 78.00 MAYBANK 1
Subscription - i cloud 12 $ 11.90 $ 11.90 1
Subscription - i Tune ###
Subscription - Netfilx $ 18.02 $ 18.02 ###
Subscription - Spotify 28 $ 14.90 $ 14.90 CIMB ###
Subscription- LG 6 $ 60.00 $ 60.00 CIMB ###
###
Utilies - Phone $ 355.75 $ 257.15 CIMB_CC ###
Utilities - Astro $ 211.80 ###
Utilities - Electric KG $ 50.00 $ 50.00 ###
Utilities: Court $ 110.00 ###
###
###
###
###
###
###
###
###
TOTAL $ 1,433.73 $ 1,013.33 ###
###
DEBT DUE BUDGET ACTUAL VIA ###
LOAN 1 $ 2,593.00 $ 2,593.00 ###
CAR 30 $ 823.00 $ 823.00 MAYBANK ###
CIMB_CC ###
###
HARVEY NORMAN 27 $ 152.85 $ 152.85 MAYBANK_CC ###
EZYCASH MAYBANK 27 $ 98.13 $ 98.13 MAYBANK_CC ###
CASHLITE CIMB 20 $ 30.24 $ 30.24 CIMB_CC ###
###
TOTAL $ 3,697.22 $ 3,697.22 ###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
0
 EXPENSE TRACKER AUG
DATE PURCHASE AMOUNT THIS MONTH VIA
13 Apr Joie Stroller_Lazada $ 1,550.75 $ 129.23 CIMB_CC
31 May Rumi_formula $ 278.36 $ 92.80 CIMB_CC
3 Jul Diapers_Lazada $ 130.83 $ 43.61 CIMB_CC
20 Jul Gibran formula_Lazad $ 210.30 $ 70.10 CIMB_CC
9 Aug Insurance Rumi $ 143.55 $ 143.55 MAYBANK_CC
3 Aug Insurance Gibby $ 143.55 $ 143.55 MAYBANK_CC
27 Jul Washing machine $ 1,209.00 $ 100.75 MAYBANK_CC
Jannah
TOTAL $ 1,837.23 $ 501.56
UG
NOTES
Lazada via Paylater 12x (balance 8x months)
Lazada via Paylater 3x (balance 0x month)
Lazada via Paylater 3x (balance 1x months)
Lazada via Paylater 3x (balance 2x months)

CC installment 0% interest (balance 10x months

june
INCOME
BILLS
DEBT
EXPENSES

INCOME EXPECTED ACTUAL BILLS

Salary $ 3,000.00 $ 3,000.00 0
Nafkah $ 800.00 0
0
0
0
TOTAL $ 3,000.00 $ 3,800.00 0
0
0
SAVINGS EXPECTED ACTUAL PURPOSES 0
ASB 0
EMERGENCY $ 230.77 0
FAMILY 0
GIBBY - ASB 0
GIBBY - EDU 0
RUMI - ASB 0
RUMI - EDU 0
TOTAL $ 230.77 $ - 0
###
###
###
###
###
VIA ###
CASH ###
CIMB_CC ###
CIMB_ONLINE TOTAL
MAYBANK_CC 15 June
MAYBANK_FAMILY DEBT
MAYBANK_ONLINE 1
1
1
0
VIA SUM of ACTUAL 1
$ 3,360.20 1
CIMB_CC $ 484.52 $ 484.52 1
MAYBANK $ 823.00 TOTAL
MAYBANK_CC $ 250.98 $ 250.98
Grand Total $ 4,918.70

VIA SUM of ACTUAL

$ 29.92
CIMB $ 124.80
CIMB_CC $ 199.47 $ 199.47
MAYBANK $ 22.26
MAYBANK_CC $ 651.84 $ 651.84
Grand Total $ 1,028.29 683.99 902.82
$ 3,800.00 BALANCE $ (2,146.99)
$ 1,028.29
$ 4,918.70
$ -

BILLS DUE BUDGET ACTUAL VIA

Insurance - Etiqa $ 22.26 $ 22.26 MAYBANK
Insurance: Gibby 16 $ 143.55 $ 143.55 MAYBANK_CC
Insurance: Me 16 $ 214.00 $ 214.00 MAYBANK_CC
Insurance: Rumi 4 $ 143.55 $ 143.55 MAYBANK_CC
Subscription - Coursera $ 65.22 $ 65.22 CIMB_CC
Subscription - Cours 19 $ 49.90 $ 49.90 CIMB
Subscription - Cuckoo $ 78.00 $ 150.74 MAYBANK_CC
Subscription - i cloud 12 $ 11.90 $ 11.90
Subscription - i Tune
Subscription - Netfilx $ 18.02 $ 18.02
Subscription - Spotif 28 $ 14.90 $ 14.90 CIMB
Subscription- LG 6 $ 60.00 $ 60.00 CIMB
Subscripton - Canva $ 21.90 $ 21.90 CIMB_CC
Utilies - Phone $ 112.35 $ 112.35 CIMB_CC
Utilities - Astro $ 200.00
Utilities - Electric KG $ 50.00
Utilities: Court $ 110.00

TOTAL $ 1,315.55 $ 1,028.29

DEBT DUE BUDGET ACTUAL VIA

LOAN 1 $ 2,593.00 $ 2,593.00
CAR 30 $ 823.00 $ 823.00 MAYBANK
SHOPEE 10 $ 454.28 $ 454.28 CIMB_CC
LAZADA 25 $ 767.20 $ 767.20
HARVEY NORMAN 27 $ 152.85 $ 152.85 MAYBANK_CC
EZYCASH MAYBANK 27 $ 98.13 $ 98.13 MAYBANK_CC
CASHLITE CIMB 20 $ 30.24 $ 30.24 CIMB_CC
TOTAL $ 4,918.70 $ 4,918.70
 EXPENSE TRACKER
DATE AMOUNT PURCHASE VIA NOTES
TOTAL $ - $ -
may
INCOME
BILLS
DEBT
EXPENSES

INCOME EXPECTED ACTUAL BILLS

Salary $ 3,000.00 $ 3,000.00 1
Nafkah $ 800.00 1
duit pelamin $ 450.00 1
0
0
TOTAL $ 3,000.00 $ 4,250.00 0
1
0
SAVINGS EXPECTED ACTUAL PURPOSES 1
ASB 1
EMERGENCY $ 230.77 1
FAMILY 1
GIBBY - ASB 1
GIBBY - EDU 1
RUMI - ASB 1
RUMI - EDU 0
TOTAL $ 230.77 $ - 1
###
###
###
###
###
VIA ###
CASH ###
CIMB_CC ###
CIMB_ONLINE TOTAL
MAYBANK_CC 15 June
MAYBANK_FAMILY DEBT
MAYBANK_ONLINE 1
1
1
0
VIA SUM of ACTUAL 1
$ 3,360.20 1
CIMB_CC $ 484.52 $ 484.52 1
MAYBANK $ 823.00 TOTAL
MAYBANK_CC $ 250.98 $ 250.98
Grand Total $ 4,918.70

VIA SUM of ACTUAL

$ 29.92
CIMB $ 124.80
CIMB_CC $ 199.47 $ 199.47
MAYBANK $ 22.26
MAYBANK_CC $ 651.84 $ 651.84
Grand Total $ 1,028.29 683.99 902.82
$ 4,250.00 BALANCE $ (1,696.99)
$ 1,028.29
$ 4,918.70
$ -

BILLS DUE BUDGET ACTUAL VIA

Insurance - Etiqa $ 22.26 $ 22.26 MAYBANK
Insurance: Gibby 16 $ 143.55 $ 143.55 MAYBANK_CC
Insurance: Me 16 $ 214.00 $ 214.00 MAYBANK_CC
Insurance: Rumi 4 $ 143.55 $ 143.55 MAYBANK_CC
Subscription - Coursera $ 65.22 $ 65.22 CIMB_CC
Subscription - Cours 19 $ 49.90 $ 49.90 CIMB
Subscription - Cuckoo $ 78.00 $ 150.74 MAYBANK_CC
Subscription - i cloud 12 $ 11.90 $ 11.90
Subscription - i Tune
Subscription - Netfilx $ 18.02 $ 18.02
Subscription - Spotif 28 $ 14.90 $ 14.90 CIMB
Subscription- LG 6 $ 60.00 $ 60.00 CIMB
Subscripton - Canva $ 21.90 $ 21.90 CIMB_CC
Utilies - Phone $ 112.35 $ 112.35 CIMB_CC
Utilities - Astro $ 200.00
Utilities - Electric KG $ 50.00
Utilities: Court $ 110.00

TOTAL $ 1,315.55 $ 1,028.29

DEBT DUE BUDGET ACTUAL VIA

LOAN 1 $ 2,593.00 $ 2,593.00
CAR 30 $ 823.00 $ 823.00 MAYBANK
SHOPEE 10 $ 454.28 $ 454.28 CIMB_CC
LAZADA 25 $ 767.20 $ 767.20
HARVEY NORMAN 27 $ 152.85 $ 152.85 MAYBANK_CC
EZYCASH MAYBANK 27 $ 98.13 $ 98.13 MAYBANK_CC
CASHLITE CIMB 20 $ 30.24 $ 30.24 CIMB_CC
TOTAL $ 4,918.70 $ 4,918.70
 EXPENSE TRACKER
DATE AMOUNT PURCHASE VIA NOTES
TOTAL $ - $ -
MAY
INCOME
BILLS
DEBT
EXPENSES

INCOME EXPECTED ACTUAL BILLS

Salary $ 5,593.00 $ 3,000.00 0
Nafkah $ 800.00 0
duit pelamin $ 450.00 0
0
0
TOTAL $ 5,593.00 $ 4,250.00 0
0
0
SAVINGS EXPECTED ACTUAL PURPOSES 0
ASB 0
EMERGENCY $ 230.77 0
FAMILY 0
GIBBY - ASB 0
GIBBY - EDU 0
RUMI - ASB 0
RUMI - EDU 0
TOTAL $ 230.77 $ - 0
###
###
###
###
###
VIA ###
CASH ###
CIMB_CC ###
CIMB_ONLINE TOTAL
MAYBANK_CC 15 June
MAYBANK_FAMILY DEBT
MAYBANK_ONLINE 1
1
1
0
VIA SUM of ACTUAL 1
$ 3,360.20 1
CIMB_CC $ 484.52 $ 484.52 1
MAYBANK $ 823.00 TOTAL
MAYBANK_CC $ 250.98 $ 250.98
Grand Total $ 4,918.70

VIA SUM of ACTUAL

$ 29.92
CIMB $ 124.80
CIMB_CC $ 199.47 $ 199.47
MAYBANK $ 22.26
MAYBANK_CC $ 651.84 $ 651.84
Grand Total $ 1,028.29 683.99 902.82
$ 4,250.00 BALANCE $ (1,696.99)
$ 1,028.29
$ 4,918.70
$ -

BILLS DUE BUDGET ACTUAL VIA

Insurance - Etiqa $ 22.26 $ 22.26 MAYBANK
Insurance: Gibby 16 $ 143.55 $ 143.55 MAYBANK_CC
Insurance: Me 16 $ 214.00 $ 214.00 MAYBANK_CC
Insurance: Rumi 4 $ 143.55 $ 143.55 MAYBANK_CC
Subscription - Coursera $ 65.22 $ 65.22 CIMB_CC
Subscription - Cours 19 $ 49.90 $ 49.90 CIMB
Subscription - Cuckoo $ 78.00 $ 150.74 MAYBANK_CC
Subscription - i cloud 12 $ 11.90 $ 11.90
Subscription - i Tune
Subscription - Netfilx $ 18.02 $ 18.02
Subscription - Spotif 28 $ 14.90 $ 14.90 CIMB
Subscription- LG 6 $ 60.00 $ 60.00 CIMB
Subscripton - Canva $ 21.90 $ 21.90 CIMB_CC
Utilies - Phone $ 112.35 $ 112.35 CIMB_CC
Utilities - Astro $ 200.00
Utilities - Electric KG $ 50.00
Utilities: Court $ 110.00

TOTAL $ 1,315.55 $ 1,028.29

DEBT DUE BUDGET ACTUAL VIA

LOAN 1 $ 2,593.00 $ 2,593.00
CAR 30 $ 823.00 $ 823.00 MAYBANK
SHOPEE 10 $ 454.28 $ 454.28 CIMB_CC
LAZADA 25 $ 767.20 $ 767.20
HARVEY NORMAN 27 $ 152.85 $ 152.85 MAYBANK_CC
EZYCASH MAYBANK 27 $ 98.13 $ 98.13 MAYBANK_CC
CASHLITE CIMB 20 $ 30.24 $ 30.24 CIMB_CC
TOTAL $ 4,918.70 $ 4,918.70
 EXPENSE TRACKER
DATE AMOUNT PURCHASE VIA NOTES
TOTAL $ - $ -