Table of Contents 1.0 Instructions 2 2.0

Table of Contents Page
1.0 INSTRUCTIONS 2
2.0 PERSONAL DATA 3
3.0 OFFICIAL USE 4
4.0 Three Enamels Calendar for 2009 5
5.0 Three Enamels Calendar for 2010 6
6.0 ASSETS AND DEBTS: BEGINNING POSITION 7
7.0 BUDGET (MONTH 1 – MONTH 3) 8
7.1 BUDGET (MONTH 4-MONTH 6) 10
8.0 INCOME 12
8.1 SAVINGS, INVESTMENTS AND LENDINGS 15
8.2 DEBT PAYMENTS 18
8.3 ACQUISITIONS AND CONSTRUCTION 20
8.4 LIVING EXPENSES 23
9.0 USER’S NOTES 29
10.0 GLOSSARY 35
1.0 INSTRUCTIONS
The Safe Nest log focuses on tracking transactions for six months and there after
the user is expected to use a fresh log. The structure is in line with the Safe
Nest Application, as such, loading the information entered in the log into the
application would yield detailed analyses, reports, charts and recommendations
pertaining to the data.
The ‘Safe Nest logger’ is expected to register their personal data, and net worth
position as stipulated in the next sections of the log.
In the budget section, the user enters what they expect to earn and how they are
likely to spend it. The log, just as the Safe Nest Application uses a double entry
system where all expenses have a source of financing or rather; all inflows are
expensed in one way or another. In other words, all income is expensed in the
following four ways: through debt payment, saving investment and lending,
acquisitions and constructions or through living expenses.
Updating these fields must be done as and when inflows and or outflows take place,
though, however, it can be done at least once a month if and only if the user
notes down their expenses in a note book somewhere.
The log provides a calendar, a glossary for un common terminologies used and space
for the user to note important information pertaining to their finances.
2.0 PERSONAL DATA LOG NUMBER
DATE OF FIRST LOG
NAMES
DATE OF BIRTH
HOME ADDRESS
NATIONAL ID NUMBER
VOTER’S CARD NUMBER
DRIVER’S LICENCE NUMBER
PASSPORT NUMBER
POST OFFICE NUMBER
TELEPHONE NO.
EMAIL ADDRESS
RELIGIOUS AFFILIATION
EDUCATION QUALIFICATION
OCCUPATION
NUMBER OF DEPENDANTS
NEXT OF KIN
RELATION TO NEXT OF KIN
CONTACT OF NEXT OF KIN
3.0 OFFICIAL USE

COUNSELLOR
COUNSELLOR CONTACT
PROJECT AREA CODE
USER’S LOG CODE
USER’S SAFE NEST CODE
COUNSELLOR’S REMARKS
4.0 Three Enamels Calendar for 2009
5.0 Three Enamels Calendar for 2010
6.0 ASSETS AND DEBTS: BEGINNING POSITION
Value
Total Liabilities
Outstanding Bank (Financial Institution) Debt
Outstanding Money Lenders debt
Outstanding Free lance loans
Outstanding Salary advances
Consumption Credit
Other liabilities
Total Assets
Fin Assets
Total Bank Account and cash holdings
O/w Current/Demand accounts plus Cash
O/w Deposit and saving accounts
Stocks and shares
Security holdings
Mutual funds/Investment club contributions
Foreign currency holdings
Business Interests
Real Estate
O/w Residential home
Movable Assets
O/w Personal non-commercial vehicle(s)
Animal Wealth
Debtors' stock
Holdings in Long term funds
Patents and other rights
Health/Life insurance
Other assets
Notes: The first time the user is using this log, the position of their assets and
debts should be entered in the table above.
7.0 BUDGET (MONTH 1 – MONTH 3)

BUDGET MONTH 1 MONTH 2 MONTH 3
A. MONETARY RECEIPTS
Wages & Salary
Investment /Business Income
Asset divestiture
Maturities on Security Holdings
Loans and Advances
Retirement Income
Debtor payments
Other monetary receipts
B. DISBURSEMENTS
B1. LIVING EXPENSES
B1.(i) UPKEEP
B1.(ii) FOOD / GROCERIES
B1.(iii) OTHER HOUSEHOLD ITEMS
B1.(iv) UTILITIES
Of which Electricity
Of which Water
B1.(v) HEALTH
Of which Nutritional supplements
B1.(vi) EDUCATION
Of which School Fees
B1.(vii) VEHICLE(S) EXPENSE
Of which Fuel
B1.(viii) REMITTANCES
Of which Wedding Contributions
Of which Tithe/Zakat
B1.(ix) SALARY PAYMENTS
B1.(x) ENTERTAINMENT, SPORTS & LEISURE
B1.(xi) RENTAL PAYMENTS
B1.(xii) PETS, DOMESTIC ANIMALS & GARDENING
B1.(xiii) FEES, TAXES, DUES & OTHER CHARGES
Of which Taxes
B1.(xiv) CEREMONIAL EXPENSES
B2.DEBT SERVICING
Institutional debt payments
Other debt payments
B3. ACQUISITIONS & CONSTRUCTIONS
B3.(i ) ACQUISITIONS
Electronic Gadgets
Kitchenware
Service purchases
Furnishings and Apparel
Valuable Personnel Effects
Real Estate
Movable Assets
Live Animals
Other
B3.(ii) CONSTRUCTION
B4.LENDING, SAVING AND INVESTMENT
B4.(i) LENDING
B4.(ii) INVESTMENTS
Securities
Stocks
Business Interests
Short term funds/ trusts and investment clubs
Long term investments
B4.(iii) SAVINGS
Current Account +Foreign exchange purchases
Long term Deposits
B5.(iv) Other
C. RECEIPTS LESS DISBURSEMENTS
D. OTHER FINANCING ITEMS
CASH (RUNDOWN) / BUILD UP
CONSUMPTION CREDIT
NON CONSUMED ITEMS
7.1 BUDGET (MONTH 4-MONTH 6)

BUDGET MONTH 4 MONTH 5 MONTH 6
A. MONETARY RECEIPTS
Wages & Salary
Asset divestiture
Loans and Advances
Retirement Income
Debtor payments
B. DISBURSEMENTS
B1. LIVING EXPENSES
B1.(i) UPKEEP
B1.(ii) FOOD / GROCERIES
B1.(iii) OTHER HOUSEHOLD ITEMS
B1.(iv) UTILITIES
Of which Water
B1.(v) HEALTH
Of which Nutritional supplements
B1.(vi) EDUCATION
B1.(vii) VEHICLE(S) EXPENSE
Of which Fuel
B1.(viii) REMITTANCES
B1.(ix) SALARY PAYMENTS
B1.(x) ENTERTAINMENT, SPORTS & LEISURE
B1.(xi) RENTAL PAYMENTS
B1.(xii) PETS, DOMESTIC ANIMALS & GARDENING
B1.(xiii) FEES, TAXES, DUES & OTHER CHARGES
Of which Taxes
B1.(xiv) CEREMONIAL EXPENSES
B2.DEBT SERVICING
Institutional debt payments
Other debt payments
B3. ACQUISITIONS & CONSTRUCTIONS
B3.(i ) ACQUISITIONS
Electronic Gadgets
Kitchenware
Service purchases
Furnishings and Apparel
Valuable Personnel Effects
Real Estate
Movable Assets
Live Animals
Other
B3.(ii) CONSTRUCTION
B4.LENDING, SAVING AND INVESTMENT
B4.(i) LENDING
B4.(ii) INVESTMENTS
Securities
Stocks
Business Interests
Short term funds/ trusts and investment clubs
B4.(iii) SAVINGS
Current Account+Foreign exchange purchases
Long term Deposits
B5.(iv) Other
C. RECEIPTS LESS DISBURSEMENTS
D. OTHER FINANCING ITEMS
CASH (RUNDOWN) / BUILD UP
CONSUMPTION CREDIT
NON CONSUMED ITEMS
8.0 INCOME
Month 1
Category Value
Week 1 Week 2 Week 3 Week 4 Week 5 Total
Wages & Salary
Asset Run down
Loans and Advances
Retirement Income
Debtor payments (name)
O/W Transfers and gifts
CONSUMER CREDIT FINANCING

NON-CONSUMED ITEMS
Month 2
Category Value
Wages & Salary
Asset Run down
Loans and Advances
Retirement Income

NON-CONSUMED ITEMS
INCOME
Month 3
Category Value
Wages & Salary
Asset Run down
Loans and Advances
Retirement Income

NON-CONSUMED ITEMS
Month 4
Category Value
Wages & Salary
Asset Run down
Loans and Advances
Retirement Income

NON-CONSUMED ITEMS
INCOME
Month 5
Category Value
Wages & Salary
Asset Run down
Loans and Advances
Retirement Income
NON-CONSUMED ITEMS
Month 6
Category Value
Wages & Salary
Asset Run down
Loans and Advances
Retirement Income

NON-CONSUMED ITEMS
8.1 SAVINGS, INVESTMENTS AND LENDINGS
Month 1
Category VALUE
Total Lending
Investments
Securities
Stocks
Business Interests
Short term funds/ trusts & investment clubs
Institutional Saving
Current Account and foreign exchange purchases
Long term Deposit Accounts
Month 2
Category VALUE
Total Lending
Investments
Securities
Stocks
Business Interests
SAVINGS, INVESTMENTS AND LENDINGS

Month 3
Category VALUE
Total Lending
Investments
Securities
Stocks
Business Interests
Month 4
Category VALUE
Total Lending
Investments
Securities
Stocks
Business Interests
SAVINGS, INVESTMENTS AND LENDINGS

Month 5
Category VALUE
Total Lending
Investments
Securities
Stocks
Business Interests
Month 6
Category VALUE
Total Lending
Investments
Securities
Stocks
Business Interests
8.2 DEBT PAYMENTS
Month 1
Category VALUE
Bank debt payments

Money Lenders' payments
Payments of Free lance loans
Payments of Salary advances

Consumption Credit payments
Month 2
Category VALUE
Bank debt payments


Month 3
Category VALUE
Bank debt payments


DEBT PAYMENTS
Month 4
Category VALUE
Bank debt payments


Month 5
Category VALUE
Bank debt payments

Month 6
Category VALUE
Bank debt payments


8.3 ACQUISITIONS AND CONSTRUCTION

Month 1
Category VALUE
PHYSICAL ACQUISITION
Electrical Gadgets
Kitchenware
Service accessories
Furniture
Valuable personal Effects
Real Estate
Movable Assets
Live animals
Other
CONSTRUCTION
Month 2
Category VALUE
Electrical Gadgets
Kitchenware
Service accessories
Furniture
Real Estate
Movable Assets
Live animals
Other
CONSTRUCTION
ACQUISITIONS AND CONSTRUCTION

Month 3
Category VALUE
Electrical Gadgets
Kitchenware
Service accessories
Furniture
Real Estate
Movable Assets
Live animals
Other
CONSTRUCTION
Month 4
Category VALUE
Electrical Gadgets
Kitchenware
Service accessories
Furniture
Real Estate
Movable Assets
Live animals
Other
CONSTRUCTION
ACQUISITIONS AND CONSTRUCTION

Month 5
Category VALUE
Electrical Gadgets
Kitchenware
Service accessories
Furniture
Real Estate
Movable Assets
Live animals
Other
CONSTRUCTION
Month 6
Category VALUE
Electrical Gadgets
Kitchenware
Service accessories
Furniture
Real Estate
Movable Assets
Live animals
Other
CONSTRUCTION
8.4 LIVING EXPENSES

Month 1
Category VALUE
UPKEEP
TOTAL FOOD / GROCERIES
OTHER HOUSEHOLD ITEMS (TOTAL)
UTILITIES (TOTAL)
Of which Water
HEALTH
O/w Nutritional supplements
EDUCATION
VEHICLE EXPENSES
Of which Fuel
REMITTANCES
SALARIES
ENTERTAINMENT, SPORTS & LEISURE
RENTAL EXPENSES
PETS, DOMESTIC ANIMALS & GARDENING
FEES, TAXES, DUES & OTHER CHARGES
Of which Taxes
CEREMONIAL EXPENSES
TOTAL CONSUMPTION
LIVING EXPENSES
Month 2
Category VALUE
UPKEEP
UTILITIES (TOTAL)
Of which Water
HEALTH
EDUCATION
VEHICLE EXPENSES
Of which Fuel
REMITTANCES
SALARIES
RENTAL EXPENSES
Of which Taxes
CEREMONIAL EXPENSES
TOTAL CONSUMPTION
LIVING EXPENSES
Month 3
Category VALUE
UPKEEP
UTILITIES (TOTAL)
Of which Water
HEALTH
EDUCATION
VEHICLE EXPENSES
Of which Fuel
REMITTANCES
SALARIES
RENTAL EXPENSES
Of which Taxes
CEREMONIAL EXPENSES
TOTAL CONSUMPTION
LIVING EXPENSES
Month 4
Category VALUE
UPKEEP
UTILITIES (TOTAL)
Of which Water
HEALTH
EDUCATION
VEHICLE EXPENSES
Of which Fuel
REMITTANCES
SALARIES
RENTAL EXPENSES
Of which Taxes
CEREMONIAL EXPENSES
TOTAL CONSUMPTION
LIVING EXPENSES
Month 5
Category VALUE
UPKEEP
UTILITIES (TOTAL)
Of which Water
HEALTH
EDUCATION
VEHICLE EXPENSES
Of which Fuel
REMITTANCES
SALARIES
RENTAL EXPENSES
Of which Taxes
CEREMONIAL EXPENSES
TOTAL CONSUMPTION
LIVING EXPENSES
Month 6
Category VALUE
UPKEEP
UTILITIES (TOTAL)
Of which Water
HEALTH
EDUCATION
VEHICLE EXPENSES
Of which Fuel
REMITTANCES
SALARIES
RENTAL EXPENSES
Of which Taxes
CEREMONIAL EXPENSES
TOTAL CONSUMPTION
9.0 USER’S NOTES

MONTH 1
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
MONTH 2
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
MONTH 3
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
MONTH 4
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
MONTH 5
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
MONTH 6
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
10.0 GLOSSARY
Adequate asset mix: The combination of one's asset portfolio, where, at the
very least, an individual is earning an equivalent of the most risk free
securities.
Adequate rental: The amount of money a household should spend on house rent.
Allowed consumption: The amount of money a household should spend on living
expenses
Appreciation: A rise in value or price over time.
Asset conversion: Moving an asset from one form to another, e.g., making a
residential house into an enterprise asset, say, a hostel.
Asset divestiture: Selling of assets mainly to finance expenses or investment.
Asset Life: The number of years an asset is expected to last after it has been
purchased. For example, the asset life of a car is about 10 years
Asset mix: The composition of an individual’s/household’s assets.
Asset run down: Selling of assets mainly to finance expenses or investment - see
asset divestiture.
Asset shuffling: Selling of one asset to acquire another, e.g., selling land to
purchase shares of a listed company.
Assets: A resource having economic value that an individual owns or controls
with the expectation that it will provide future benefit.
Auxiliary flows: Non-monetary (non-financial) flows affecting an individual’s
wealth basket over time.
Bendable expenses: Expenses on items whose quantities can be put to minimal
levels to put an individual in acceptable consumption bands. This includes
expenses on, personal upkeep, food, other household items, utilities, remittances,
entertainment, sports and leisure, and ceremonial expenses. They also include
purchases of passive assets
Budget tracking: Comparisons between the earlier financial plans with the actual
income and expenses.
Budgeting: A plan specifying how resources, (especially time or money), will be
allocated or spent during a particular period.
Business interests: Stake in a money making undertaking.
Cash holdings: Amount of money an individual has at their disposal, includes
money in the pocket, and ATM / current account balances. This, however, does not
include balances on deposit accounts.
Cash requirement: Same as Emergency fund; amount of cash holding an individual
needs to hold in case of an emergency
Ceremonial expenses: Expenses on account of household functions and
celebrations e.g. parties, funerals, among others.
Consumer credit debt-write off: Used in auxiliary flows; is the cancellation or
writing off of payable debt by creditors who provided consumables.
Consumption credit: Consumption of items without paying for them; It increases
one's liabilities as it is a way of financing ones' consumption.
Copy rights: The legal right of creative artists or publishers to control the
use and reproduction of their original works.
Corporate securities: Corporations debt obligation (local or national) to an
individual/ Household, backed by the credit and taxing power of a country with
very little risk of default. e.g., corporate bonds
Creditors: Individuals, or entities an individual owes money.
Debt: An amount of money, a service, or an item of property that is owed to
somebody.
Debt burden: A situation where one's periodic debt payments take up a large
proportion (usually over 50 percent) of their total expenses.
Debt capacity: The amount of borrowing one can comfortably undertake, given
their ability to repay this debt.
Debt consolidation: Using a large loan to pay off smaller ones.
Debt retirement: A point in time when an individual pays off their very last
portion of their debt.
Debt service: The periodic repayments made by a borrower of the principal and
interest on loans, bonds, and other debts.
Debtor: Any individual that owes money. If debt is in the form of a loan from a
financial institution, you might use ‘borrower’.
Depreciation: The decrease in value or price over time.
Disposable income: The amount of income left after deducting taxes, social
security contributions and other compulsive deductions.
Emergency fund: Same as cash requirement; amount of cash holding an individual
needs to hold in case of emergencies.
Enterprise assets: Assets belonging to an individual that generate some form of
income e.g., rental property.
Financial assets: An asset that derives value because of a contractual claim,
stocks, bonds and bank deposits are all examples of financial assets.
Found money: Amount of money budgeted for, but due to a down shift of prices or
cut back in quantities, is not spent.
Free lance loans: Interest free advances from friends and family, to be paid
back at an agreed time.
Fund reversals: Buying out investments in funds to attain the cash equivalent.
Gains through local currency appreciation: Monetary gain in value in the
foreign currency holdings by an individual as a result of the local unit
depreciating against the foreign currency.
Government securities: A government debt obligation (local or national) to an
individual/ household, backed by the credit and taxing power of a country with
very little risk of default. Examples are Treasury bills and Treasury bonds.
Health insurance: A plan under which regular payments are made to an insurance
company during somebody's lifetime, and in return the company pays a specific sum
to the person's beneficiaries after the person's death.
Health insurance gains: Gains in value in insurance policies.
Highly indebted: A situation where an individual has huge liabilities; in this
context, if one's ratio of liabilities to their assets is over 75 percent.
House rent (Home): Regular payment made by a tenant to an owner or landlord for
the right to occupy or use property.
Household: A domestic unit consisting of the members of a family who live
together along with non relatives such as servants.
Income: Monetary inflows by an individual / household.
Indebtedness: The magnitude of an individual's debt.
Inflation: A consistent increase in the general price level.
Institutional debt stock: The proportion of debt owed to financial institutions
such as banks, credit institutions, or micro finance institutions, and one’s
employers [They are normally characterized by planned periodic payments].
Insurance premiums: Amounts paid to an insurance company to cover potential
hazards.
Interest rate: The rate being charged by or being paid by an entity for use of
credit or monies.
Investment: An amount of money placed in a venture for the purpose of making a
profit.
Investment earnings: Earnings accruing from an individual's investments.
Liabilities: Same as debt; the amount of money, a service, or an item of
property owed to somebody.
Liquid assets: An asset that can be converted into cash quickly and with
minimal impact to the price received. Liquid assets are generally regarded in the
same light as cash because their prices are relatively stable when they are sold
on the open market.
Living means measure: A measure used to access the user's source of income that
finances their living expenses, passive asset accumulation and debt payments.
Living beyond one's means: Selling off assets or borrowing to finance one's living
expenses
Living expenses: Living expenses are those, which once expended do not add
value to the increase of one’s wealth basket.
Living within one's reach: Using only a proportion of new money to finance
one's living expenses purchase of passive assets and debt payment.
Loan amortization: Reduction of debt by scheduled regular payments of principal
and interest, sufficient to repay the loan at maturity
Long term investment: Periodic placing of investments like hedge and mutual
funds, or social security for a long period of time (usually over 10 years).
Losses through local currency depreciation: Monetary loss in value in the
foreign currency holdings by an individual as a result of the local unit
appreciating against the foreign currency.
Months of survival: This is a literal measure of the number of months an
individual would take to be able to finance their basic expenses with their
proactive assets should they stop earning any form of income.
Movable assets: Assets in the league of vehicles, bicycles, boats, planes,
etc..
Mutual funds: an investment company that uses members' capital to buy a diverse
group of stocks from other companies.
National Social Security Fund (NSSF): See Provident fund…
Necessity expenses: Expenses on items which a household cannot do without, for
instance, food, upkeep, utilities, rent (if they don’t have their own residential
house), etc.
Net wealth index: An index measuring an individual's well being, using the
first month of using this program as a base period.
Net worth: Individuals total assets less their liabilities (debts).
Non consumed items: In this context, applies to categories with regular and
consistent consumables like rent, where individuals pay upfront and use the
payments overtime to finance that consumable.
Non monetary debt payment: Reduction of one's liabilities by paying for them with
some other item other than money e.g., paying debts by offering a goat.
Non-institutional debts: The proportion of debt owed to other entities, such as
friends and family, credit consumption, and short term money sharks.
Novel money: Also called new money; is income received from sources other than
those that reduce one's net worth. These include wages and salaries, profits and
dividends, rental income, and interest payments.
Other household items: Items categorized in this classification are mainly
those that are not edible, but get exhausted on use. For example, detergents,
Other liabilities: Liabilities incurred as a result of other factors other than
borrowing or consumer credit. For instance, breaking a neighbor’s glass would live
one indebted.
Passive assets: Household assets which may have cost money but do not have
potential to generate income unless when the asset is itself sold out. e.g., a
$1,000 suit.
Patent rights: An exclusive right officially granted by a government to an
inventor to make or sell an invention.
Patent rights gain: Gains in the value of patent rights.
Pay as you earn (PAYE): A system in which income tax is deducted as money is
earned.
Pay TV: A system in which television programs are transmitted in a scrambled
form that can be decoded by viewers who have paid for the appropriate equipment.
Payable debt -write off: Value of payable money, which was earlier on regarded
as a liability but has now been written off by the creditor without payment.
Pensioner: Individual who has retired from work.
Periodic employee contributions: Employee contributions to schemes like social
security or pension.
Personal vehicle: Vehicle(s) used by the household, for the household's
purposes and not for income generating purposes.
Physical acquisitions: Purchase of tangible items, for the purpose or use by a
household.
Proactive assets: Household assets with a potential of fetching some form of
income, once invoked. e.g., real estate, can earn rent.
Provident funds: Also, social security; is a compulsory comprehensive social
security savings plan which aims to provide working individuals with a sense of
security and confidence in their old age.
Real assets: These are productive assets like stock of capital, item of
property, or products regarded as desirable or beneficial.
Real Estate: Immovable property: land including all the property on it that
cannot be moved and any attached rights.
Receivable debt-write off: Value of receivable money, which was earlier on
regarded as an asset but has now been written off without payment.
Remittances: Also called transfers, it refers to the mount of money given out
to other individuals, institutions, or entities, expecting nothing in return.
Residential: The value of an individual or household's residential home.
Return on assets: A statistic calculated by dividing a company's annual
earnings by its total assets. It indicates how profitable a company is relative to
its total assets.
"Return on equity: Return on equity measures the return, expressed as a
percentage, earned on a company's common stock investment for a specific period.
It is calculated by common stock equity, or a company's net worth, into net
income. The calculation is performed after preferred stock dividends and before
common stock dividends.
Salaries: Involves payments to workers attributed to a household, e.g., house
keepers, shamba boys and gardeners among others
Salvage value: The worth of material in a useless item: the amount that somebody
may pay for something no longer useful in or of itself but because of potentially
useful materials contained in it.
Saving: The amount of money that is not spent or used in a given accounting
period but kept for future use
Securities maturities: The termination period of a given security, e.g. 10 year
government bond.
Service purchase: A one off purchase of items used to offer households a
service but require a periodic subscription to be utilized. e.g., Pay TV equipment
Shadow rental maximum: The reasonable amount an individual may spend on rent
given their income and net wealth levels.
Short term investment: Investments in funds and securities for a short period
of time (usually 2 years and under).
Social security: See Provident fund.
State pension benefits: Payments by the state to pensioners.
Stock price drop effects: Decrease in value in one's stocks as a result of a
fall in stock prices.
Stock price rise: Increase in value in one's stocks as a result of an increase
in stock prices.
Stocks: the total number of shares issued by a company or sector.
Tithe: Periodic remittances to religious institutions i.e., churches.
Treasury bill investments: Are short term government or corporate securities,
usually 1 years and under.
Treasury bond investments: Are long term government securities, usually 2 years
and over.
Upkeep: Expenses spent on the well being of a household, E.g., Salon,
communication, etc...
Utilities: Expenses on items like electricity, water and sewerage, postal and
communication services, among others.
Value gain in business investments: The increase in value of the business
interests of an individual or household.
Value wash-out of business investments: The reduction in value of the business
interests of an individual or household.
Vehicle(s) expenses: Expenses related to a household vehicle(s), these among
others include, servicing, fuel, parking, and washing.
Wealth creation: Process of increasing of one's net wealth as a result of asset
divestiture or increased new money, or a positive auxiliary flow.
Wealth erosion: Process of reduction of one's net wealth as a result of asset
divestiture or borrowing to finance living expenses and debt servicing, or a
negative auxiliary flow.
Wealth velocity: The rate at which wealth changes its magnitude, it could be a
creation or erosion or a static condition.
Wear and tear: The reduction in value of physical holdings of an individual or
household as a result of its age, or natural calamities etc.
Years of survival: Number of years an individual would take to be able to
finance their basic expenses with their proactive assets should they stop earning
any form of income.
Zakat: Periodic remittances to religious institutions i.e., mosques.

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3.0 OFFICIAL USE

4.0 Three Enamels Calendar for 2009

5.0 Three Enamels Calendar for 2010

6.0 ASSETS AND DEBTS: BEGINNING POSITION

7.0 BUDGET (MONTH 1 – MONTH 3)

7.1 BUDGET (MONTH 4-MONTH 6)

CONSUMER CREDIT FINANCING

CONSUMER CREDIT FINANCING

CONSUMER CREDIT FINANCING

CONSUMER CREDIT FINANCING

CONSUMER CREDIT FINANCING

SAVINGS, INVESTMENTS AND LENDINGS

SAVINGS, INVESTMENTS AND LENDINGS

Bank debt payments

Payments of Salary advances

Bank debt payments

Payments of Salary advances

Bank debt payments

Payments of Salary advances

Bank debt payments

Payments of Salary advances

Bank debt payments

Bank debt payments

Payments of Salary advances

8.3 ACQUISITIONS AND CONSTRUCTION

ACQUISITIONS AND CONSTRUCTION

ACQUISITIONS AND CONSTRUCTION

8.4 LIVING EXPENSES

9.0 USER’S NOTES

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