Od Asb Cc Mudah1 (1)

Base case : Ada OD 20,000;Gaji 2100 ; belanja bulanan 2000; CC withdrawal 1k-12k (start (start 1k withdraw,gandaa withdraw,gandaa Bulan 1

OD

Bulan 2

20000

OD

19400

gaji (masuk OD)

2100

gaji (masuk OD)

2100

CC witdraw

1000

CC witdraw

2000

Belanja

-2000

Belanja

-2000

ASB saving

-2000

ASB saving

-2000

payment CC (from 1st mth)

-1050

End of Month OD balance:

18450

End of Month 1 OD balance: ASB Balance:

19100 2000

ASB Balance: Bulan 5 OD

4000

Bulan 6 16550

OD

15600

gaji (masuk OD)

2100

gaji (masuk OD)

2100

CC witdraw

5000

CC witdraw

6000

Belanja

-2000

Belanja

-2000

ASB saving

-2000

ASB saving

-2000

payment CC (from prev mth)

-4050

payment CC (from prev mth)

-5050

End of Month 1 OD balance: ASB Balance:

15600 10000

End of Month 1 OD balance: ASB Balance:

14650 12000

Bulan 9 OD

Bulan 10 12750

OD

11800

gaji (masuk OD)

2100

gaji (masuk OD)

2100

CC witdraw

9000

CC witdraw

10000

Belanja

-2000

Belanja

-2000

ASB saving

-2000

ASB saving

-2000

payment CC (from prev mth)

-8050

payment CC (from prev mth)

-9050

End of Month 1 OD balance: ASB Balance:

11800 18000

End of Month 1 OD balance: ASB Balance:

10850 20000

24000

if saving sendiri (100 x 12 )

AT END of YEAR 1 ASB balance

1200

 ba  bayar Hutang CC

-12000

0

bayar Hutang OD

-11050

0

1920

96

2870 1.214506

1296

ASB dividen BALANCE variance

1k sebulan) Bulan 4

Bulan 3

OD

18450

OD

17500

gaji (masuk OD)

2100

gaji (masuk OD)

2100

CC witdraw

3000

CC witdraw

4000

Belanja

-2000

Belanja

-2000

ASB saving

-2000

ASB saving

-2000

payment CC (from prev mth)

-2050

payment CC (from prev mth)

-3050

End of Month OD balance:

17500

End of Month 1 OD balance:

16550

ASB Balance:

6000

Bulan 7 OD

ASB Balance:

8000

Bulan 8 14650

OD

13700

gaji (masuk OD)

2100

gaji (masuk OD)

2100

CC witdraw

7000

CC witdraw

8000

Belanja

-2000

Belanja

-2000

ASB saving

-2000

ASB saving

-2000

payment CC (from prev mth)

-6050

payment CC (from prev mth)

-7050

End of Month 1 OD balance: ASB Balance:

13700 14000

End of Month 1 OD balance: ASB Balance:

12750 16000

Bulan 11 OD gaji (masuk OD)

Bulan 12 10850 2100

OD

9900

gaji (masuk OD)

2100

CC witdraw

11000

CC witdraw

12000

Belanja

-2000

Belanja

-2000

ASB saving

-2000

ASB saving

-2000

payment CC (from prev mth)

-10050

payment CC (from prev mth)

-11050

End of Month 1 OD balance: ASB Balance:

9900 22000

End of Month 1 OD balance: ASB Balance:

8950 24000