Personal Finance Roadmap — FEACCO Academy

Start with the household you are planning for

What normally comes in each month?

Use money available after tax and deductions. Keep the same people in scope for all income, costs, assets and debts. Do not count loans, account transfers or asset sales as income.

Roadmap scope Reporting currency Income pattern Monthly take-home salary PKR Average other or variable income PKR Use an average from the last six months. Lowest typical variable-income month PKR Helps test whether the plan survives a slower month. Income earners in this plan People financially dependent on this income What concerns you most now?

Build an honest monthly view

Where does the money go?

Use the last few months where possible. Exclude non-monthly bills from the recurring categories and enter them in the annual fields below so each cost appears once.

Core household costsUsed to estimate your essential run rate

HousingPKR Utilities and communicationPKR Food and groceriesPKR TransportPKR Health and insurancePKR Education and dependentsPKR Required family supportPKR Other required monthly costsPKR

Flexible and irregular costsThese still belong in the plan

Lifestyle, dining and shoppingPKR Subscriptions and entertainmentPKR Other flexible monthly spendingPKR Optional giving and charityPKR Required non-monthly costs over the next 12 monthsPKRRequired school fees, essential repairs, registrations and other obligations not included above. Flexible non-monthly costs over the next 12 monthsPKROptional travel, gifts and other planned choices not included above.

Reserves, saving and loan commitments

How much breathing room do you have?

Enter only cash that could actually cover an unexpected bill or loss of income. Do not include money already reserved for a known purchase.

Unrestricted emergency cash PKR Cash reserved for known goals PKR Include goal cash held in savings or term accounts here. Exclude it from investment categories below so it is counted once. Monthly cash-saving contribution PKR Only from the take-home income entered above.

Your loans and debtsNever enter a lender name or account number.

I do not currently have debt

Your current investment exposure

What do you own for future goals?

Use current estimated asset values before debt. Exclude all cash already entered as emergency or known-goal cash, and exclude your primary home. Enter related investment-property or business debt in the loan step so it is subtracted once.

Deposits and term savingsPKR Bonds, sukuk, income and money-market fundsPKR Shares and equity fundsPKR Retirement or provident fundsPKR Investment property or land valuePKR Gold and commoditiesPKR Digital or crypto assetsPKR Private business and other assetsPKR Monthly investment contributionPKRDo not subtract payroll contributions already deducted from take-home pay again.

Enter each holding once in its closest category. Retirement and mixed funds can hold several underlying asset classes; this first map shows broad categories, not a full look-through analysis. It does not judge a product, value an asset or prescribe an allocation.

Give the plan a destination

What should your money make possible?

Choose one primary goal for this roadmap. FEACCO uses a zero-return pace so a market assumption does not make an unaffordable goal appear achievable.

Primary goal Target amount PKR Already allocated to this goal PKR A subset of reserved goal cash or investments already entered. Do not add it again under deposits or include emergency cash. Target month Current monthly amount for this goal PKR This should already be part of your saving or investing above. If investments fell sharply, what would you most likely do? Health-cost protection Life or income protection How often do you review your money? Expected income change in the next 12 months In the last 12 months, did income fail to cover a normal month? Could you meet an unexpected cost equal to one month's income without borrowing or family help? When might invested money be needed? Investment-learning preference

One check before the roadmap

Does this reflect a normal month?

Review the flow below. Use the edit buttons if anything is missing or counted twice.

What is the basis of these figures?

I have reviewed the totals and understand that estimates affect the roadmap.

Learn what your own numbers are telling you.

What normally comes in each month?

Where does the money go?

How much breathing room do you have?

What do you own for future goals?

What should your money make possible?

Does this reflect a normal month?

Your first priority will appear here.

Your first three priorities

Your 30 / 60 / 90-day plan

Your personal curriculum

Ratios and exposure

Your current mix

You should be able to see how every conclusion was reached.

Review the roadmap with Ali.