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2 Reserve Bank of India The contents of this diary has been developed by Reserve Bank of India, Rural Planning and Credit Department, Central Office, Mumbai for distribution during financial literacy camps organized by Financial Literacy Centres and all the rural branches of the country at monthly intervals. The Financial Diary is also available at Written By: Sushma Vij & Geetha Nair Illustrations by: R.N. Rahate First Edition - January 2013 Published by Reserve Bank of India Rural Planning and Credit Department 10th Floor, Central Office Building, Shaheed Bhagat Singh Marg, Fort, Mumbai Copyright Reproduction is permitted provided the source is acknowledged.
3 Personal Information FULL NAME : ADDRESS : CITY/DISTRICT: PINCODE: RES TEL: MOBILE: Savings Bank Account details Date of opening : Bank : Branch : BC : Facilities availed : (Please Tick ) Recurring Deposit, Fixed Deposit Overdraft, KCC, GCC Remittance, EBT Micro Insurance Micro Pension Others 1
4 Calendar for Year 2013 JANUARY 2013 SUN MON TUE WED THU FRI SAT FEBRUARY 2013 SUN MON TUE WED THU FRI SAT MARCH 2013 SUN MON TUE WED THU FRI SAT APRIL 2013 SUN MON TUE WED THU FRI SAT MAY 2013 SUN MON TUE WED THU FRI SAT JUNE 2013 SUN MON TUE WED THU FRI SAT JULY 2013 SUN MON TUE WED THU FRI SAT AUGUST 2013 SUN MON TUE WED THU FRI SAT SEPTEMBER 2013 SUN MON TUE WED THU FRI SAT OCTOBER 2013 SUN MON TUE WED THU FRI SAT NOVEMBER 2013 SUN MON TUE WED THU FRI SAT DECEMBER 2013 SUN MON TUE WED THU FRI SAT
5 HOUSEHOLD MEMBERS DETAILS SR NAME AGE RELATIONSHIP OCCUPATION MONTHLY INCOME
6 ACHIEVE YOUR GOAL WITH FINANCIAL PLANNING 4
7 Set your Goals SR Needs Money required When? No. of days Saving per day 1. Bicycle ` months 30x3= 90 ` 1500/90 = ` Sewing Machine ` months 30x5=150 ` 5000/150 = ` Farm tools ` months 30x6=180 ` 3600/180 = ` Cattle ` year 365x1=365 ` 10000/365 = ` Small Shop ` years 365x2= 730 ` 20000/730 = ` Higher Education ` Years 365x5=1825 ` 30000/1825 = ` Marriage of Daughter ` years 365x10=3650 ` 80000/3650 = ` Own house ` Years 365x15=5475 ` /5475 = ` Secure Old Age ` Years 365x25=9125 ` /9125 = ` TOTAL DAILY SAVINGS REQUIRED ` 224 5
8 INCOME INCOME LIQUOR GAMBLING ALCOHOL REFRIGERATOR LUXURIOUS GOODS NON-ESSENTIAL TOBACCO GUTKA TOBACCO MARRIAGE ESSENTIAL PILGRIMAGE SICKNESS NATURAL CALAMITIES CLOTHES FOOD HOUSE EDUCATION UNDERSTAND YOUR EXPENSES 6
9 Monthly Summary Income : Month 1 i. Self Spouse i 1. Total Income 2. Loans taken 3. Total inflow= 1+2 Expenses : Month 1 i. i v. vi. v 4. Total Expenses 5. Loan Repaid 6. Total Outflow = 4+5 SURPLUS = 3-6 SHORTAGE= 6-3 7
10 8 DO NOT SPEND MORE THAN YOUR INCOME
11 Monthly Summary Income : Month 2 i. Self Spouse i 1. Total Income 2. Loans taken 3. Total inflow= 1+2 Expenses : Month 2 i. i v. vi. v 4. Total Expenses 5. Loan Repaid 6. Total Outflow = 4+5 SURPLUS = 3-6 SHORTAGE= 6-3 9
12 BANK INCOME INCOME INCOME BANK LIQUOR GAMBLING ALCOHOL REFRIGERATOR LUXURIOUS GOODS NON-ESSENTIAL TOBACCO GUTKA TOBACCO MARRIAGE ESSENTIAL PILGRIMAGE SICKNESS NATURAL CALAMITIES CLOTHES FOOD HOUSE EDUCATION PLUG NON ESSENTIAL EXPENSES & INCREASE YOUR SAVINGS 10
13 Monthly Summary Income : Month 3 i. Self Spouse i 1. Total Income 2. Loans taken 3. Total inflow= 1+2 Expenses : Month 3 i. i v. vi. v 4. Total Expenses 5. Loan Repaid 6. Total Outflow = 4+5 SURPLUS = 3-6 SHORTAGE=
14 VICES LIQUOR TOBACCO GUTKA ALCOHOL GAMBLING TOBACCO WANTS REFRIGERATOR FESTIVAL PILGRIMAGE LUXURIOUS GOODS NEEDS HOUSE EDUCATION FOOD CLOTHES NEEDS ARE LIMITED - SPEND WANTS ARE UNLIMITED - REDUCE VICES ARE RISKY - AVOID THINK TWICE BEFORE SPENDING 12
15 Monthly Summary Income : Month 4 i. Self Spouse i 1. Total Income 2. Loans taken 3. Total inflow= 1+2 Expenses : Month 4 i. i v. vi. v 4. Total Expenses 5. Loan Repaid 6. Total Outflow = 4+5 SURPLUS = 3-6 SHORTAGE=
16 14 THE LESS YOU SPEND, THE MORE YOU CAN SAVE
17 Monthly Summary Income : Month 5 i. Self Spouse i 1. Total Income 2. Loans taken 3. Total inflow= 1+2 Expenses : Month 5 i. i v. vi. v 4. Total Expenses 5. Loan Repaid 6. Total Outflow = 4+5 SURPLUS = 3-6 SHORTAGE=
18 DO NOT LOSE YOUR HARD EARNED MONEY, ALWAYS SAVE IN A BANK ACCOUNT 16
19 Monthly Summary Income : Month 6 i. Self Spouse i 1. Total Income 2. Loans taken 3. Total inflow= 1+2 Expenses : Month 6 i. i v. vi. v 4. Total Expenses 5. Loan Repaid 6. Total Outflow = 4+5 SURPLUS = 3-6 SHORTAGE=
20 SJJ JSD JN HJJDJ T SJJ JSD JN HJJDJ T ADDRESS:XXXX VILLAGE:XXXXX NAME: XXXXXX KFUDFJ KLJFUG BANK BIOMETRIC SMART CARD XYZ NK NK BANK BA BANK TRANSPARENCY BANK EBT BC BC PASS BOOK SAVING INTEREST + = TOTAL INTEREST REMITTANCE BANK GCC ABCDEFGH BANK KCC ABCDEFGH BC OVERDRAFT KCC GCC SAVING ACCOUNT IN A BANK IS THE KEY TO ALL OTHER SERVICES 18
21 Monthly Summary Income : Month 7 i. Self Spouse i 1. Total Income 2. Loans taken 3. Total inflow= 1+2 Expenses : Month 7 i. i v. vi. v 4. Total Expenses 5. Loan Repaid 6. Total Outflow = 4+5 SURPLUS = 3-6 SHORTAGE=
22 20 BANK IS NOW AVAILABLE AT YOUR DOOR STEP
23 Monthly Summary Income : Month 8 i. Self Spouse i 1. Total Income 2. Loans taken 3. Total inflow= 1+2 Expenses : Month 8 i. i v. vi. v 4. Total Expenses 5. Loan Repaid 6. Total Outflow = 4+5 SURPLUS = 3-6 SHORTAGE=
24 MANAGE YOUR DEBT OTHERWISE DEBT WILL DAMAGE YOU 22
25 Monthly Summary Income : Month 9 i. Self Spouse i 1. Total Income 2. Loans taken 3. Total inflow= 1+2 Expenses : Month 9 i. i v. vi. v 4. Total Expenses 5. Loan Repaid 6. Total Outflow = 4+5 SURPLUS = 3-6 SHORTAGE=
26 BORROW TO UNDERTAKE AN ACTIVITY WHICH ENHANCES YOUR INCOME 24
27 Monthly Summary Income : Month 10 i. Self Spouse i 1. Total Income 2. Loans taken 3. Total inflow= 1+2 Expenses : Month 10 i. i v. vi. v 4. Total Expenses 5. Loan Repaid 6. Total Outflow = 4+5 SURPLUS = 3-6 SHORTAGE=
28 BANKS ARE TRANSPARENT AND CHARGE LESS INTEREST 26
29 Income : Month 11 i. Self Spouse i 1. Total Income 2. Loans taken 3. Total inflow= 1+2 Expenses : Month 11 i. i v. vi. v 4. Total Expenses 5. Loan Repaid 6. Total Outflow = 4+5 SURPLUS = 3-6 SHORTAGE=
30 28 A BANK MEETS ALL YOUR REQUIREMENTS
31 Income : Month 12 i. Self Spouse i 1. Total Income 2. Loans taken 3. Total inflow= 1+2 Expenses : Month 12 i. i v. vi. v 4. Total Expenses 5. Loan Repaid 6. Total Outflow = 4+5 SURPLUS = 3-6 SHORTAGE=
32 Yearly Summary Month Inflow Outflow Surplus Shortage TOTAL 30
33 Notes 31
34 32 Notes
35 Reserve Bank of India Disclaimer Financial education initiatives of the Reserve Bank of India are for providing general information and guidance to the common person. The concepts of banking explained in the publication are only for easy understanding of people and do not give legal or technical explanations. Users of this information may exercise their own care and judgement while using it. Every effort has been made to avoid errors or omission in this publication. Nevertheless, any mistake, error or discrepancy noted may be brought to the notice at address mentioned therein, which shall be rectified in the next edition. It is notified that the publisher will not be responsible for any damage or loss to anyone, of any kind, in any manner from use of this material.
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