Budget Planner

An Introduction to Budget Planner

Budget Planning is the most essential factor for a common man, to lead a financially stable life. Minor Investment made on this planner will help you make major investments in life!
Budget planning helps a man to realize, the need for family planning, thereby gaining population control by budget control.
To have better understanding about the financial commitment and to gain complete control over the expenditure, we need a matured system such as this simple planner.
When you want to invest upon a bike or a TV, you will be forced to self-check your own ‘Pay back capacity’ to ensure, prompt repayment of loan dues. This planner is designed with a ‘Budget Control Area’ to fulfill this important requirement.
An ‘Ounce” of DOING is better than a ‘Ton’ of TALKING. The Annual Summary of this planner focuses mainly on the Investments made, which directly reflects your contribution towards the family.
If the expenditure column of vegetables & fruits are found filled up, you will find the medical expenses column empty. This scientific feedback will motivate the family towards 100% vegetarianism, for a healthy living.
How do we educate the grown up children to realize their future commitments, before marriage? This classified budget planner will give them, a complete exposure to practical life. Starting from haircut expense to pet maintenance, everything is listed. Every youngster should maintain this dairy, at least for one year before getting married, to have a better understanding about life and his future commitments.
Budget planning takes only a little time, but the money saved will feed a family, for longer time.
‘Good budget is the beginning of a show’ “ No budget is the end of a show” Therefore, Budget planning is the primary part of peaceful living.
Every family can be happy if one’s life style is packed within the available budget.
Realizing where we stand financially is the first point, Analyzing where we loose is the next point. Budget Planning helps you remain financially balanced forever.
Creating a data sheet, while pledging the jewels, will help you retrieve the same after an year or so, without ambiguity, with regard to the type of Ornament, Quality, Weight etc., The details of loan given or taken column is specifically designed to keep track of these transactions.
The ‘Important dates to remember' is usually about Birthdays, Anniversary etc., But the ‘Important reminders' column focuses on vital issues like vaccination for the baby, medical- checkup for the grand parents, periodical emission test etc.,
To plan the renewal of a 10 year old Driving license or a passport, a planner like this is an ideal choice. Any reminder such as Insurance renewal, loan dues, Tax payment follow-ups can be done effectively.
An effective home administration involves, keeping track of all the frequently called phone numbers such as gas supplier ph no., gas consumer no. & emergency services such as 24 hrs pharmacy, 24 hrs vehicle maintenance, Call Taxi etc.,

HIGH LIGHTS

An Ideal corporate gift item. The right gift, for newly married couple.
Book for a perfect home maintenance.
Population control by budget control
Complete control over Expenditure.
Easy “EMI” calculation during investment planning.
To gain financial stability, to lead a shortage free life.

FEATURES OF BUDGET PLANNER

Budget control & Investment Planning
Essential Savings & Important Reminders
Daily / Monthly / Annual Accounts
Income / Expenditure / Savings
Emergency / Frequently Called Numbers
Tax / Loan Dues Management
Database for Home Administration
Personal Details / Domestic Details
Dates to remember
Details of Loan given / taken

How to use this BUDGET PLANNER?

Generating your financial Data sheet…

Ask for a bill, wherever possible, against every payment made.
Fill up the amount and date, in the respective columns of the planner.
If you are not comfortable, in keeping track of small expenditures then you can ignore the daily expenses column, to start with, and concentrate only on the major expenses. But we strongly recommend you to use a pocket sized diary to pen down, every small expenses, at least for a month, to realize certain hidden expenses such as parking fee, tender coconut etc., (This effort might give you a very surprising and interesting data)
By monitoring all the expenditure for a month, we can obtain a well-classified, financial data sheet. The very first data sheet obtained may not be accurate, but will help you understand the following factors…
1. Where the money is being spent? What is the budget being spent towards food, education, housekeeping, equipment/vehicle maintenance, salary, transport, rent, electricity, sports, restaurant, dress material, communication, medicine, infotainment festivals, tax, loans, savings etc., can be realized.
2. Whether the bills are being paid on time or not.
3. What is the minimum budget needed to fulfill the basic needs?
4. Your actual financial status, whether you are leading towards savings or shortage!
5. This planner becomes your record for future reference to analyze many useful data.
6. With this data you should be able to identify those areas where the cost cutting can be executed.
7. Minor Investment made on this planner will help you make major Investments in life!

YOUR DATA SHEET & FEEDBACK

No savings, but basic needs are fulfilled comfortably.
Could not meet the major expenditure, on time.
Many unwanted expenditures were identified
Anticipating the finical instability as I found myself over committed
Reserve not matching to that of the present life style.
I see the possibility for more savings after obtaining this feedback.
No savings, but many columns were filled up.
I’m in surplus, but I need this planner for documentation purpose.
I need to generate more Income to revise my lifestyle
I’m worried about my retired period.
I will re-allocate my funds for better priorities, by budget balancing.
This planner has given a clear picture, I feel comfortable to spend towards some long pending items. I’m also confident about going for a few important investments.
I am shocked. I will stop spending at random. I will allocate my budget first and limit my lifestyle within that.
I will start contributing for essential savings such as children’s marriage, Higher education & Buying a house etc.,
I will stop spending for bad habits and spend more money for buying fruits & health drinks.

BEGIN WELL TO END WELL

Many intellectuals have suffered at their latter stages of life, due to their poor understanding about money & finance management. It is unfortunate, that the yardstick to judge a human today is one’s wealth aspect. Although we have no respect for such attitudes, we have to understand that it is our primary responsibility to have personal savings to lead a secured future.

Features of Budget planner

1. Personal details…………………………….. PAN card No. to Blood pressure level
2. Important Phone numbers…………………. Gas connection to 24 Hrs pharmacies
3. Telephone numbers of……………………… close friends & relatives
4. Important dates to remember
5. Details of loan given / taken
6. Daily expenses – classified ……………… .(food/transport/laundry)
7. Essential savings……………………………(wedding expense/ building house)
8. Other expenses…………………………… (medical/ School/college/credit card)
9. Infotainment expenditure…………………………… (internet/cinema/restaurant/festival)
10. Monthly expenses ……………………………(House rent to haircut)
11. Important reminders…………………………… (baby vaccination to emission test)
12. Govt. taxes
13. Income / expenditure /savings – budget planning
14. Annual summary / investments

Other advantages:

Complete life is packed within Just 4 pages
Every youngster should maintain this diary, at least for one year before getting married,
to have a better understanding about life and his future commitments!
“Happy Home” Budget planner is an idle gift for the newly married couples/ Office staff!