Nama Pensyarah : Encik Ali Abu Bakar

Nama Pelajar: Elbin Lee Hau Hua

Anda adalah bakal Pegawai Perkhidmatan Pendidikan dalam gred DG41 dan akan
menerima gaji serta elaun sebanyak RM3,000 – RM4,000 sebulan dalam tempoh 5
tahun pertama perkhidmatan.
 Butiran Bajet (RM)
Tolak (-) Jumlah Pendapatan Bulanan 3000
Tolak (-) 1. Simpanan Tetap (35% daripada 1000
pendapatan Bulanan)
2. Simpanan (Dana kecemasan) 50

Jumlah Pendapatan selepas ditolak 1950

simpanan

Tolak (-) Perbelanjaan Tetap Bulanan:

1. Sewa Rumah 400
2. Ansuran Kereta 350
3. Insurans Nyawa /Perubatan 100

Jumlah Perbelanjaan tetap bulanan 850

Tolak (-) Perbelanjaan Boleh Ubah Bulanan:
1. Makanan dan minuman 500
2. Barang-barangan dapur 200
3. Utiliti 50
4. Wang kenang budi ibu bapa 200
5. Penyelenggaran kereta 100
6. Minyak kereta 200
7. Bayaran Telecom 50

Jumlah Perbelanjaan boleh ubah 1300

bulanan
Tolak (-) Perbelanjaan Budi Bicara Bulanan:
1. Pakaian 50
2. Hiburan 50

Jumlah Perbelanjaan Budi Bicara Bulanan 100

Tambah (+) Pendapatan Pasif ( DIGI) 400

+/- Pendapatan
Lebihan / Defisit Pendapatan + (1950+400) -
Simpanan tetap + Dana Kecemasan = (850+1300+100)= 100
Lebihan Simpanan
 Pendapatan Simpanan Baki Kadar
Tahun (RM) bulanan (RM) simpanan
(RM) Bank(3.2%)

3000 1050 x 12 12600 13003.20

2020
3225 1100 x 12 13200 13622.40
2021
3450 1200 x 12 14400 14860.80
2022
3675 1300 x 12 15600 16099.20
2023
3900 1400 x 12 16800 17337.60
2024
72600 RM74923.20
Jumlah
 Pelan Perbelanjaan dan Simpanan ( 2020-2024 )

Tahun 2020 2021 2022 2023 2024 Kadar

Simpanan

Gaji Sebulan 3000 3225 3450 3675 3900 Bank(RHB)

Pendapatan 400 400 400 400 400

pasif
Simpanan tetap 1050 1100 1200 1300 1400
bulanan (RM)
3.20%
Jumlah 12600 13200 14400 15600 16800
simpanan
setahun (RM)
Permulaan 0 13003.20 26625.60 41486.40 57585.60

Perakhiran 12600 26625.60 41486.40 57585.60 74923.20

Peribadi (RM)
Makanan&minum 500x12 500x12= 500x12= 500x12= 500x12= 6000
an =6000 6000 6000 6000
Pakaian 50x12= 50x12= 50x12= 50x12= 50x12=600
600 600 600 600
Hiburan 50x12 50x12 50x12 50x12 50x12=600
=600 =600 =600 =600
Bayaran Telecom 50x12 50x12 50x12 50x12 50x12=600
=600 =600 =600 =600
Insurans Nyawa 100x12 100x12 100x12 100x12 100x12=1200
/Perubatan =1200 =1200 =1200 =1200
Cukai Peribadi 0 0 0 0 0
Wang kenang 200x12 200x12 200x12 200x12 200x12=2400
budi ibu bapa =2400 =2400 =2400 =2400
Perumahan (RM)
Sewa rumah 400x12= 400x12= 400x12= 400x12= 400x12=
4800 4800 4800 4800 4800
Utiliti 50x12= 50x12= 50x12= 50x12= 50x12=
600 600 600 600 600
Barang-barang 200x12=24 200x12=24 200x12=24 200x12=24 200x12=2400
dapur 00 00 00 00
Kenderaan (RM)
Bayaran 350x12 350x12 350x12 350x12 350x12=4200
Kereta =4200 =4200 =4200 =4200
Minyak kereta 250x12 250x12 250x12 250x12 250x12=3000
=3000 =3000 =3000 =3000
Penyelenggara 0/50x12 0/50x12 0/50x12 0/50x12 0/50x12=0/600
an =0/600 =0/600 =0/600 =0/600
Insurans 200x12 200x12 200x12 200x12 200x12=2400
kereta =2400 =2400 =2400 =2400
Cukai jalan 100x12 100x12 100x12 100x12 100x12=1200
 Prinsip Pemasaran, Edisi ke 8, Kotler & Armstrong.
 Fundamentals of Financial Management, Eugene F. Bringham, Joel F Houstan, 2004

http://www.bengkelwebsite.com/index.php?ref=kursusweb

 http://www.kuasaforex.com/index.php?ref=panduanforex