My Wedding Date Is

8/8/2019 My Wedding Date Is

1/13

My wedding date is

Umur aku 2010 -21

Umur aku 2011 22

2012 -23- married 14 february 2011

2013 -24- 1st child 20 april 2012 -2 tahun

2014 -25 -

2015 -26 - 2nd child 20 june 2015 -7 bulan

Husband Ahmad irfan bin. Ahmad khairil


2/13

This is our daughter. Her name is

Alya Miasarah Binti Ahmad

Irfan. Alya was born on 20th April

2012 and now she is 2 years old. Cute

and pretty like her mom

This is our son. His name is Adam

Aqeef Bin Ahmad Irfan. Adam

was born on 20th June 2015. Cute

and handsome like his dad

This is my husband; Ahmad Irfan Bin

Ahmad Khairil.He is 29 years old.

He came from Malacca. Currently he

works at Sime Darby Bhd. as

Finance Executives with salary of

RM 8000 per month.

My name is Nor Emelia Binti

Puteh. Im 26 years old. Im from

Klang Selangor. Now Im working

at Public Bank as Finance Manager

with salary of RM5500 per month.

This is my husband car Mitsubishi Lancer

Evolution with the price of RM150, 000.

He chooses Cimb Bank for hire purchase

loan with interest rate 3.5% of 9 years tenure

and down payment of RM15, 000. Themonthly payments will RM1, 643.

This is my car Honda City with the price

of RM90, 480. I choose Public Bank

for a hire purchase loan with interest rate

3.79% of 9 years tenure and down payment ofRM10, 000. The monthly payments will

RM997.


3/13


4/13

MY HOME SWEET HOME

We choose to buy an apartment at Taman Melawati Kuala Lumpur

which is near with our workplace. The price of apartment is RM445, 888with 10% of down payment. We choose Maybank housing loan through

Maxi Home-I package which provide interest rate of 4.1% with 30 years

tenure. Thus, our monthly payments are RM 1916.


5/13

IRFAN AND EMELIA

Income Statement as at 31st

January 2015

INCOME: RM RM

Ahmad Irfan 8000

Nor Emelia 5500

TOTAL INCOME 13500

EXPENSES:

Residential installment 1916

Honda city installment 997

Mitsubishi Lancer installment 1643

Food 1000

Transportation 800

Child care nursery 500

Astro 100Entertainment 400

Utilities 600

Clothing 500

Takaful Keluarga premium 100

Parents pocket money 2000

PTPTN loan payment: Irfan and Emelia 500

TOTAL EXPENSES 11056

CONTRIBUTION TO SAVINGS 2444


6/13

IRFAN AND EMELIA

Income Statement as at 31

st

December 2015

INCOME: RM RM

Ahmad Irfan 96000

Nor Emelia 66000

TOTAL INCOME 162000

EXPENSES:

Residential installment 22992

Honda city installment 11964

Mitsubishi Lancer installment 19716

Food 12000

Transportation 9600

Child care nursery 6000

Astro 1200

Entertainment 4800

Utilities 7200

Clothing 6000

Takaful Keluarga premium 1200

Annual charitable contribution 500

Payment to local authority 700Auto insurance 800

Overseas vacation 5000

Parents pocket money 24000

PTPTN loan payment: Irfan and Emelia 6000

TOTAL EXPENSES 139672

CONTRIBUTION TO SAVINGS 22328


7/13

IRFAN AND EMELIA

BALANCE SHEET AS AT 31st

DECEMBER 2015ASSETS RM RM LIABILITIES RM RM

LiquidAssets: Current Liabilities:

Cash In Hand 3,000 Visa Credit Card Debts 600

Current Account 5,500 Telephone Bill Past Due 10,000

Savings Account 6,300

Total LiquidAssets 14,800 Total Current

Liabilities

10,600

LifestyleAssets: Long-Term Liabilities:

Residential Market Value 445,888 Residential Loan

Balance

399,904

Mitsubishi Market Value 150,000 Honda City Loan

Balance

66,552

Honda City Market Value 90, 480 Mitsubishi Loan Balance 110,568

Apple Laptop 4,500 PTPTN: Irfan And

Emelia

14,500

Total LifestyleAssets 690,868 Total Long-TermLiabilities

591,524

Total Liabilities 602,124

InvestmentAssets:

Investment in Lembaga

Tabung Haji

2,000 Net Worth 176,544

Takaful Keluarga Cash

Value

18,000

Amanah Saham

Bumiputra

53,000

Total Investment

Assets

73,000

TOTALASSETS 778,668 TOTAL LIABILITIES &

NETWORTH

778,66


8/13

14th of February 2012

Wedding Of the Year me and Irfan


9/13

Besides car and house installment the other expenses such as:

y Food expenses include our dine in and outy Transportation expenses including fuel, parking, licenses, etcy Child care nursery expenses whereby during our office hours we will send Alya and Adam to nursery

whose going to take care of our lovely son and daughter.

y Utilities expenses including telephone bills, electricity bills and water bills.y Entertainment expenses where during weekend Irfan and I will bring Alya and Adam to theme park and

Zoo Negara.

y Other expenses had been stated in our income statement.


10/13

y Irfan and I have invested in the Amanah Saham Bumiputra around 50,000 units.y We also have bought the Takaful Keluarga Premium for our protection in the future.y Our monthly salary also will be deducted around 11% forEPF purposes.y Irfan and I also make an investment in Tabung Haji for the future purposes.


11/13

Disneyland, California.

The place that Irfan and I will bring Alya

and Adam one da .

Seoul, Korea

The place that Irfan and I will go for our3rd year anniversary


12/13

MAKKAH AND MADINAH

The place that Irfan and I will go toperform our Haj. InsyaAllah

UNIVERSITY OF MELBOURNE,

AUSTRALIA

The place that Irfan and I will further our study for

PhD level.We will bring Alya and Adam together.


13/13

My Wedding Date Is

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