Base case : Ada OD 20,000;Gaji 2100 ; belanja bulanan 2000; CC withdrawal 1k-12k (start 1k withdraw,gandaan 1k sebulan)

Bulan 1 Bulan 2

OD 20000 OD 19400

gaji (masuk OD) 2100 gaji (masuk OD) 2100

CC witdraw 1000 CC witdraw 2000

Belanja -2000 Belanja -2000

ASB saving -2000 ASB saving -2000

payment CC (from 1st mth) -1050

End of Month 1 OD balance: 19100

ASB Balance: 2000 End of Month OD balance: 18450

ASB Balance: 4000

Bulan 5 Bulan 6

OD 16550 OD 15600

gaji (masuk OD) 2100 gaji (masuk OD) 2100

CC witdraw 5000 CC witdraw 6000

Belanja -2000 Belanja -2000

ASB saving -2000 ASB saving -2000

payment CC (from prev mth) -4050 payment CC (from prev mth) -5050

End of Month 1 OD balance: 15600 End of Month 1 OD balance: 14650

ASB Balance: 10000 ASB Balance: 12000

Bulan 9 Bulan 10

OD 12750 OD 11800

gaji (masuk OD) 2100 gaji (masuk OD) 2100

CC witdraw 9000 CC witdraw 10000

Belanja -2000 Belanja -2000

ASB saving -2000 ASB saving -2000

payment CC (from prev mth) -8050 payment CC (from prev mth) -9050

End of Month 1 OD balance: 11800 End of Month 1 OD balance: 10850

ASB Balance: 18000 ASB Balance: 20000

AT END of YEAR 1

ASB balance 24000 if saving sendiri (100 x 12 ) 1200

bayar Hutang CC -12000 0

bayar Hutang OD -11050 0

ASB dividen 1920 96

BALANCE 2870 1296

variance 1.214506

Base case : Ada OD 20,000;Gaji 2100 ; belanja bulanan 2000; CC withdrawal 1k-12k (start 1k withdraw,gandaan 1k sebulan)

Bulan 3 Bulan 4

OD 18450 OD 17500

gaji (masuk OD) 2100 gaji (masuk OD) 2100

CC witdraw 3000 CC witdraw 4000

Belanja -2000 Belanja -2000

ASB saving -2000 ASB saving -2000

payment CC (from prev mth) -2050 payment CC (from prev mth) -3050

End of Month OD balance: 17500 End of Month 1 OD balance: 16550

ASB Balance: 6000 ASB Balance: 8000

Bulan 7 Bulan 8

OD 14650 OD 13700

gaji (masuk OD) 2100 gaji (masuk OD) 2100

CC witdraw 7000 CC witdraw 8000

Belanja -2000 Belanja -2000

ASB saving -2000 ASB saving -2000

payment CC (from prev mth) -6050 payment CC (from prev mth) -7050

End of Month 1 OD balance: 13700 End of Month 1 OD balance: 12750

ASB Balance: 14000 ASB Balance: 16000

Bulan 11 Bulan 12

OD 10850 OD 9900

gaji (masuk OD) 2100 gaji (masuk OD) 2100

CC witdraw 11000 CC witdraw 12000

Belanja -2000 Belanja -2000

ASB saving -2000 ASB saving -2000

payment CC (from prev mth) -10050 payment CC (from prev mth) -11050

End of Month 1 OD balance: 9900 End of Month 1 OD balance: 8950

ASB Balance: 22000 ASB Balance: 24000