Period Start September October

Income
Salary (Hotel Recepcionist) $ 1,380,000 $ 1,380,000
Previous balance $ 1,000,000 $ 620,789
Savings $ 4,000,000
Premium
Extra payments
Total Income $ 4,000,000 $ 2,380,000 $ 2,000,789

Expenses
Mandatory Fixed Expenses $ 1,030,000 $ 1,030,000 $ 787,990
Rent $ 650,000 $ 650,000 $ 410,000
Utilities $ 200,000 $ 200,000 $ 200,000
Home insurance
Health insurance $ 50,000 $ 50,000 $ 50,000
SOAT
Property Taxes
Childcare expenses $ 90,000 $ 90,000 $ 90,000
Mobile plan $ 40,000 $ 40,000 $ 37,990
Necesary Variable Expenses $ 1,750,211 $ 680,211 $ 860,211
Car fuel
Car maintenance and repairs
Groceries $ 300,000 $ 300,000 $ 300,000
Eating out $ 1,000,000 $ 30,000 $ 300,000
Occasional transportation expenses
Cleaning products and supplies $ 40,000 $ 40,000 $ 50,000
Medications and healthcare expenses $ -
"School supplies and children's books $ 200,000
Credit card bills
Financial obligations $ 210,211 $ 210,211 $ 210,211
Pet expenses $ 100,000
Discretionary Expenses $ 219,789 $ 49,000 $ 20,000
Entertainment
Non-essential clothing and accessories $ 49,000
Electronics purchases $ 199,789 $ -
Hobbies and recreational activities
Travel and vacations
Luxury purchases or high-end products
Entertainment subscriptions $ 20,000 $ - $ 20,000
Gifts and occasional expenses
Savings $ - $ - $ -
Emergency Fund (1 months)
Short-term savings (11 months)
Long-term financial investments (11 months)
Children Education Savings (5 months)
Investment funds for specific goals (own business) (6 months)
Savings for debt or outstanding loans repayment (2 months)
Fundts for future projects (Home remodeling) (11 months)
Savings to improve your quality of life (Early retirement) (11 months)
Total Expenses $ 3,000,000 $ 1,759,211 $ 1,668,201

Economic cash flow $ 1,000,000 $ 620,789 $ 332,588

Random Event 18
 November December January February March April May June

$ 1,380,000 $ 1,380,000 $ 1,380,000 $ 1,380,000 $ 1,380,000 $ 1,380,000 $ 1,380,000 $ 1,380,000

$ 332,588 ($ 283,613) ($ 381,814) ($ 640,015) ($ 978,216) ($ 1,006,417) ($ 1,174,618) ($ 1,357,819)

$ 1,712,588 $ 1,096,387 $ 998,186 $ 739,985 $ 401,784 $ 373,583 $ 205,382 $ 22,181

$ 787,990 $ 787,990 $ 787,990 $ 787,990 $ 787,990 $ 787,990 $ 787,990 $ 787,990

$ 410,000 $ 410,000 $ 410,000 $ 410,000 $ 410,000 $ 410,000 $ 410,000 $ 410,000
$ 200,000 $ 200,000 $ 200,000 $ 200,000 $ 200,000 $ 200,000 $ 200,000 $ 200,000

$ 50,000 $ 50,000 $ 50,000 $ 50,000 $ 50,000 $ 50,000 $ 50,000 $ 50,000

$ 90,000 $ 90,000 $ 90,000 $ 90,000 $ 90,000 $ 90,000 $ 90,000 $ 90,000

$ 37,990 $ 37,990 $ 37,990 $ 37,990 $ 37,990 $ 37,990 $ 37,990 $ 37,990
$ 988,211 $ 670,211 $ 630,211 $ 910,211 $ 600,211 $ 540,211 $ 755,211 $ 750,211

$ 300,000 $ 300,000 $ 300,000 $ 300,000 $ 300,000 $ 300,000 $ 300,000 $ 300,000

$ 400,000 $ 100,000 $ 200,000 $ 200,000 $ 200,000

$ 78,000 $ 60,000 $ 120,000 $ 200,000 $ 90,000 $ 30,000 $ 45,000 $ 40,000

$ 210,211 $ 210,211 $ 210,211 $ 210,211 $ 210,211 $ 210,211 $ 210,211 $ 210,211

$ 220,000 $ 20,000 $ 220,000 $ 20,000 $ 20,000 $ 220,000 $ 20,000 $ 20,000

$ 200,000 $ 200,000 $ 200,000

$ 20,000 $ 20,000 $ 20,000 $ 20,000 $ 20,000 $ 20,000 $ 20,000 $ 20,000

$ - $ - $ - $ -

$ 1,996,201 $ 1,478,201 $ 1,638,201 $ 1,718,201 $ 1,408,201 $ 1,548,201 $ 1,563,201 $ 1,558,201

($ 283,613) ($ 381,814) ($ 640,015) ($ 978,216) ($ 1,006,417) ($ 1,174,618) ($ 1,357,819) ($ 1,536,020)

 Total Year

$ 13,800,000
($ 3,869,135)
$ 4,000,000
$ -
$ -
$ 13,930,865

$ 9,151,910
$ 4,990,000
$ 2,200,000
$ -
$ 550,000
$ -
$ -
$ 990,000
$ 421,910
$ 9,135,321
$ -
$ -
$ 3,300,000
$ 2,430,000
$ -
$ 793,000
$ -
$ 200,000
$ -
$ 2,312,321
$ 100,000
$ 1,048,789
$ -
$ 649,000
$ 199,789
$ -
$ -
$ -
$ 200,000
$ -
$ -
$ -

$ 19,336,020

($ 5,405,155)
 Period October Case Study:
In the current scenario, the 30-year-old
Income September. He faces several financial c
Salary (Hotel Recepcionist) $ 1,380,000 variable expenses of $ 580,211. Additio
planning reflects a negative cash flow, r
Previous balance $ 620,789 of $3,200,000 with an 11-month term a
Savings
Premium The primary goal of this individual is to
option, as he has a credit limit of $2,00
Extra payments appropriate financial decisions, he mus
Total Income $ 2,000,789
a) Choices related to mandatory fixed e
they are approved with solid reasoning
Expenses
b) The monthly expense for childcare is
Mandatory Fixed Expenses $ 787,990
Rent $ 410,000 c) Decisions related to discretionary exp
Utilities $ 200,000 decision sheet. (Market receipts should
Home insurance d) In the case of a positive economic ca
Health insurance $ 50,000 related to savings must be supported a
SOAT e) The payment of financial obligations
Property Taxes payments to reduce interest.
Childcare expenses $ 90,000
f) It is important to consider random ev
Mobile plan $ 37,990 recommended as a preventive measure
Necesary Variable Expenses $ 922,081
g) Decisions lacking valid justification w
Car fuel making financial decisions.
Car maintenance and repairs
h) Only the decision sheet can be manip
Groceries $ 361,870
Eating out $ 300,000
Occasional transportation expenses
Cleaning products and supplies $ 50,000
Medications and healthcare expenses
"School supplies and children's books
Credit card bills
Financial obligations $ 210,211
Pet expenses
Discretionary Expenses $ -
Entertainment
Non-essential clothing and accessories
Electronics purchases
Hobbies and recreational activities
Travel and vacations
Luxury purchases or high-end products
Entertainment subscriptions $ -
Gifts and occasional expenses
Savings $ 50,000
Emergency Fund (1 months) $ 50,000
Short-term savings (11 months)
Long-term financial investments (11 months)
Children Education Savings (5 months)
Investment funds for specific goals (own business) (6 months)
Savings for debt or outstanding loans repayment (2 months) $ 50,000
Fundts for future projects (Home remodeling) (11 months)
Savings to improve your quality of life (Early retirement) (11 months)
Total Expenses $ 1,760,071

Economic cash flow $ 240,718

scenario, the 30-year-old worker has a monthly income of $1,380,000 and a starting reserve of $1,000,000 in
e faces several financial commitments, including mandatory fixed expenses totaling $1,030,000 and necessary
ses of $ 580,211. Additionally, he encounters discretionary expenses amounting to $1,020,000. The budget
cts a negative cash flow, resulting in a debt of $250,211 at the end of the period. Furthermore, he must repay a loan
with an 11-month term as indicated in the loan amortization.

oal of this individual is to improve his economic cash flow and reduce his debt. He has an additional financing
as a credit limit of $2,000,000 on his card, which has a monthly interest rate of 2.5%. However, to make
nancial decisions, he must consider the following:

ted to mandatory fixed expenses and necessary variable expenses will have an impact on the next period, provided
ved with solid reasoning, which must be documented on the decision sheet.

y expense for childcare is mandatory as the worker is responsible for one child.

lated to discretionary expenses have an immediate effect and must be justified with written documentation on the
. (Market receipts should support these expenses, with photos of purchased products, each with its price).

of a positive economic cash flow, consideration can be given to the possibility of saving. However, any choice
ngs must be supported and evaluated before approval, as it will impact the next period.

t of financial obligations is non-negotiable, unless a repayment schedule is presented that demonstrates capital
educe interest.

nt to consider random events that may affect the economic cash flow, so maintaining a positive cash flow is
as a preventive measure.

cking valid justification will not be considered for the next period, as justification and analysis are fundamental in
al decisions.

cision sheet can be manipulated; results will be provided in the next decision.
Harina
dia 420gr
semana 2520gr
mes 5040gr
libras de 500gr 10
costo de la libra $ 2,890.00
total a pagar $ 28,900.00
Huevos
dia 3h
semana 21h
mes 42h
Cubeta de huevos 1
huevos extra 12
costo de cubeta $ 17,690.00
costo de huevo $ 600.00
total a pagar $ 24,890.00
Azucar
Kilo de azucar 1
Valor del kilo $ 5,490.00
dia 15gr
semana 105gr
mes 210gr
total a pagar $ 5,490.00

sal
dia 5gr
semana 35gr
mes 70gr
1000g de sal valor $ 2,590.00
cantidad 1
total a pagar $ 2,590.00
Total a pagar de todo $ 61,870.00
Period Principal Interest Payment Principal Payment Final Balance Rate 2.50%
0 2,000,000.00 Principal 2,000,000.00
1 2,000,000.00 50,000.00 210,211.91 1,839,788.09 Periods 11
2 1,839,788.09 45,994.70 210,211.91 1,675,570.88 Payment $ 210,211.91
3 1,675,570.88 41,889.27 210,211.91 1,507,248.24
4 1,507,248.24 37,681.21 210,211.91 1,334,717.53
5 1,334,717.53 33,367.94 210,211.91 1,157,873.56
6 1,157,873.56 28,946.84 210,211.91 976,608.49
7 976,608.49 24,415.21 210,211.91 790,811.79
8 790,811.79 19,770.29 210,211.91 600,370.17
9 600,370.17 15,009.25 210,211.91 405,167.52
10 405,167.52 10,129.19 210,211.91 205,084.79
11 205,084.79 5,127.12 210,211.91 0.00
 # Random Events
1 Rent Increase
2 Unexpectes medical bills
3 Rise in electricity costs
4 Childcare
5 Store discount
6 Work bonus
7 Salary increase
8 Unexpected travel expenses
9 Movie
10 Clothing
11 Electronic devices
12 Cell phone
13 Amusement park
14 Subscriptions
15 Birthday
15 Debt reduction
16 Unexpected entertainment expenses

17 Job loss
18 Pet
19 Year-end bonus
20 Emergency fund
21 Decrease in investment
22 Increase in investment
 Detail
Mandatory fixed expenses unexpectedly increase due to a 5% rent increase.
Mandatory fixed expenses increase due to unplanned medical bills. Health insurance increases by 8%.
Necessary variable expenses increase due to a 4% rise in electricity costs. Utilities increase by 4%.
Necessary variable expenses increase due to a 5% rise in childcare fees.
Discretionary expenses decrease due to a 10% discount at the market.
Receive a $100,000 bonus at work.
Salary increases by 3% during the current period.
Add $200,000 to travel and vacation expenses.
Go to the movies with a close friend. Spend $100,000 on entertainment.
Spend $150,000 on clothing, increasing your clothing account.
Spend $300,000 on electronic devices, increasing your luxury shopping account.
Purchase a cell phone for $800,000, pay with a credit card, you decide the number of installments.
Spend $200,000 with your partner at an amusement park.
Your subscriptions increase by 2%.
A family member has a birthday this month, and you give them a gift, increasing your occasional expenses account by 80,000 pesos.
Pay a portion of the existing debt, receive 50,000 pesos for principal payment on your debt.
Subscriptions increase by 50,000 pesos.
Job loss reduces income, in the following period, you receive no income and may use your credit card. If the payment is in one installment, you
assume it in the following period; cash advances have a 0.5% interest rate increase.
Have a pet for a month, you must pay 100,000 pesos for its care.
Receive a year-end bonus of 1,000,000 deferred over 11 months, increasing your savings.
The emergency fund increases by 2%.
Lose 40% of your investments.
Your investments increase by 40%.