table of contents 1.0 instructions 2 2.0

8/14/2019 Table of Contents 1.0 Instructions 2 2.0

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Table of Contents Page

1.0 INSTRUCTIONS 22.0 PERSONAL DATA 33.0 OFFICIAL USE 44.0 Three Enamels Calendar for 2009 55.0 Three Enamels Calendar for 2010 66.0 ASSETS AND DEBTS: BEGINNING POSITION 7

7.0 BUDGET (MONTH 1 MONTH 3) 87.1 BUDGET (MONTH 4-MONTH 6) 108.0 INCOME 128.1 SAVINGS, INVESTMENTS AND LENDINGS 158.2 DEBT PAYMENTS 188.3 ACQUISITIONS AND CONSTRUCTION 208.4 LIVING EXPENSES 239.0 USERS NOTES 2910.0 GLOSSARY 35

1.0 INSTRUCTIONSThe Safe Nest log focuses on tracking transactions for six months and there afterthe user is expected to use a fresh log. The structure is in line with the SafeNest Application, as such, loading the information entered in the log into theapplication would yield detailed analyses, reports, charts and recommendationspertaining to the data.The Safe Nest logger is expected to register their personal data, and net worthposition as stipulated in the next sections of the log.In the budget section, the user enters what they expect to earn and how they arelikely to spend it. The log, just as the Safe Nest Application uses a double entrysystem where all expenses have a source of financing or rather; all inflows areexpensed 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 usernotes down their expenses in a note book somewhere.The log provides a calendar, a glossary for un common terminologies used and spacefor the user to note important information pertaining to their finances.2.0 PERSONAL DATA LOG NUMBERDATE OF FIRST LOG

NAMESDATE OF BIRTHHOME ADDRESS

NATIONAL ID NUMBERVOTERS CARD NUMBERDRIVERS LICENCE NUMBERPASSPORT NUMBERPOST OFFICE NUMBERTELEPHONE NO.EMAIL ADDRESS

RELIGIOUS AFFILIATIONEDUCATION QUALIFICATION


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OCCUPATION

NUMBER OF DEPENDANTSNEXT OF KINRELATION TO NEXT OF KINCONTACT OF NEXT OF KIN

3.0 OFFICIAL USECOUNSELLORCOUNSELLOR CONTACTPROJECT AREA CODEUSERS LOG CODEUSERS SAFE NEST CODE

COUNSELLORS REMARKS

COUNSELLORS REMARKS

COUNSELLORS REMARKS

COUNSELLORS REMARKS

COUNSELLORS REMARKS

4.0 Three Enamels Calendar for 2009

5.0 Three Enamels Calendar for 2010

6.0 ASSETS AND DEBTS: BEGINNING POSITION

ValueTotal LiabilitiesOutstanding Bank (Financial Institution) DebtOutstanding Money Lenders debtOutstanding Free lance loansOutstanding Salary advances

Consumption CreditOther liabilities

Total AssetsFin AssetsTotal Bank Account and cash holdings

O/w Current/Demand accounts plus CashO/w Deposit and saving accounts

Stocks and sharesSecurity holdingsMutual funds/Investment club contributions


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Foreign currency holdingsBusiness InterestsReal EstateO/w Residential homeMovable AssetsO/w Personal non-commercial vehicle(s)Animal WealthDebtors' stock

Holdings in Long term fundsPatents and other rightsHealth/Life insuranceOther assets

Notes: The first time the user is using this log, the position of their assets anddebts should be entered in the table above.

7.0 BUDGET (MONTH 1 MONTH 3)BUDGET MONTH 1 MONTH 2 MONTH 3A. MONETARY RECEIPTSWages & SalaryInvestment /Business Income

Asset divestitureMaturities on Security HoldingsLoans and AdvancesRetirement IncomeDebtor paymentsOther monetary receiptsB. DISBURSEMENTSB1. LIVING EXPENSESB1.(i) UPKEEPB1.(ii) FOOD / GROCERIESB1.(iii) OTHER HOUSEHOLD ITEMSB1.(iv) UTILITIESOf which Electricity

Of which WaterB1.(v) HEALTHOf which Nutritional supplementsB1.(vi) EDUCATIONOf which School FeesB1.(vii) VEHICLE(S) EXPENSEOf which FuelB1.(viii) REMITTANCESOf which Wedding ContributionsOf which Tithe/ZakatB1.(ix) SALARY PAYMENTSB1.(x) ENTERTAINMENT, SPORTS & LEISUREB1.(xi) RENTAL PAYMENTS

B1.(xii) PETS, DOMESTIC ANIMALS & GARDENINGB1.(xiii) FEES, TAXES, DUES & OTHER CHARGESOf which TaxesB1.(xiv) CEREMONIAL EXPENSESB2.DEBT SERVICINGInstitutional debt paymentsOther debt paymentsB3. ACQUISITIONS & CONSTRUCTIONSB3.(i ) ACQUISITIONSElectronic GadgetsKitchenware


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Service purchasesFurnishings and ApparelValuable Personnel EffectsReal EstateMovable AssetsLive AnimalsOtherB3.(ii) CONSTRUCTION

B4.LENDING, SAVING AND INVESTMENTB4.(i) LENDINGB4.(ii) INVESTMENTSSecuritiesStocksBusiness InterestsShort term funds/ trusts and investment clubsLong term investmentsB4.(iii) SAVINGSCurrent Account +Foreign exchange purchasesLong term DepositsB5.(iv) OtherC. RECEIPTS LESS DISBURSEMENTS

D. OTHER FINANCING ITEMSCASH (RUNDOWN) / BUILD UPCONSUMPTION CREDITNON CONSUMED ITEMS

7.1 BUDGET (MONTH 4-MONTH 6)BUDGET MONTH 4 MONTH 5 MONTH 6A. MONETARY RECEIPTSWages & SalaryInvestment /Business IncomeAsset divestiture

Maturities on Security HoldingsLoans and AdvancesRetirement IncomeDebtor paymentsOther monetary receiptsB. DISBURSEMENTSB1. LIVING EXPENSESB1.(i) UPKEEPB1.(ii) FOOD / GROCERIESB1.(iii) OTHER HOUSEHOLD ITEMSB1.(iv) UTILITIESOf which ElectricityOf which Water

B1.(v) HEALTHOf which Nutritional supplementsB1.(vi) EDUCATIONOf which School FeesB1.(vii) VEHICLE(S) EXPENSEOf which FuelB1.(viii) REMITTANCESOf which Wedding ContributionsOf which Tithe/ZakatB1.(ix) SALARY PAYMENTSB1.(x) ENTERTAINMENT, SPORTS & LEISURE


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B1.(xi) RENTAL PAYMENTSB1.(xii) PETS, DOMESTIC ANIMALS & GARDENINGB1.(xiii) FEES, TAXES, DUES & OTHER CHARGESOf which TaxesB1.(xiv) CEREMONIAL EXPENSESB2.DEBT SERVICINGInstitutional debt paymentsOther debt payments

B3. ACQUISITIONS & CONSTRUCTIONSB3.(i ) ACQUISITIONSElectronic GadgetsKitchenwareService purchasesFurnishings and ApparelValuable Personnel EffectsReal EstateMovable AssetsLive AnimalsOtherB3.(ii) CONSTRUCTIONB4.LENDING, SAVING AND INVESTMENT

B4.(i) LENDINGB4.(ii) INVESTMENTSSecuritiesStocksBusiness InterestsShort term funds/ trusts and investment clubsLong term investmentsB4.(iii) SAVINGSCurrent Account+Foreign exchange purchasesLong term DepositsB5.(iv) OtherC. RECEIPTS LESS DISBURSEMENTSD. OTHER FINANCING ITEMS

CASH (RUNDOWN) / BUILD UPCONSUMPTION CREDITNON CONSUMED ITEMS

8.0 INCOMEMonth 1Category Value

Week 1 Week 2 Week 3 Week 4 Week 5 TotalWages & SalaryInvestment /Business IncomeAsset Run downMaturities on Security HoldingsLoans and Advances

Retirement IncomeDebtor payments (name)Other monetary receiptsO/W Transfers and gifts

CONSUMER CREDIT FINANCINGNON-CONSUMED ITEMS

Month 2Category Value

Week 1 Week 2 Week 3 Week 4 Week 5 Total


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Wages & SalaryInvestment /Business IncomeAsset Run downMaturities on Security HoldingsLoans and AdvancesRetirement IncomeDebtor payments (name)Other monetary receipts

O/W Transfers and gifts


INCOMEMonth 3Category Value

Week 1 Week 2 Week 3 Week 4 Week 5 TotalWages & SalaryInvestment /Business IncomeAsset Run downMaturities on Security HoldingsLoans and Advances

Retirement IncomeDebtor payments (name)Other monetary receiptsO/W Transfers and gifts



Week 1 Week 2 Week 3 Week 4 Week 5 TotalWages & SalaryInvestment /Business Income

Asset Run downMaturities on Security HoldingsLoans and AdvancesRetirement IncomeDebtor payments (name)Other monetary receiptsO/W Transfers and gifts


INCOMEMonth 5Category Value

Week 1 Week 2 Week 3 Week 4 Week 5 TotalWages & SalaryInvestment /Business IncomeAsset Run downMaturities on Security HoldingsLoans and AdvancesRetirement IncomeDebtor payments (name)Other monetary receiptsO/W Transfers and gifts


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Week 1 Week 2 Week 3 Week 4 Week 5 TotalWages & SalaryInvestment /Business Income

Asset Run downMaturities on Security HoldingsLoans and AdvancesRetirement IncomeDebtor payments (name)Other monetary receiptsO/W Transfers and gifts


8.1 SAVINGS, INVESTMENTS AND LENDINGSMonth 1Category VALUE

Week 1 Week 2 Week 3 Week 4 Week 5 TotalTotal Lending

InvestmentsSecuritiesStocksBusiness InterestsShort term funds/ trusts & investment clubsLong term investments

Institutional SavingCurrent Account and foreign exchange purchasesLong term Deposit Accounts

Month 2Category VALUE




SAVINGS, INVESTMENTS AND LENDINGSMonth 3Category VALUE


Investments


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SecuritiesStocksBusiness InterestsShort term funds/ trusts & investment clubsLong term investments

Institutional SavingCurrent Account and foreign exchange purchases

Long term Deposit Accounts





SAVINGS, INVESTMENTS AND LENDINGSMonth 5Category VALUE


InvestmentsSecurities

StocksBusiness InterestsShort term funds/ trusts & investment clubsLong term investments







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8.2 DEBT PAYMENTSMonth 1Category VALUE


Bank debt paymentsMoney Lenders' payments

Payments of Free lance loans

Payments of Salary advancesConsumption Credit payments



Bank debt paymentsMoney Lenders' paymentsPayments of Free lance loans






DEBT PAYMENTSMonth 4Category VALUE



Payments of Salary advances

Consumption Credit payments





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8.3 ACQUISITIONS AND CONSTRUCTIONMonth 1Category VALUE

Week 1 Week 2 Week 3 Week 4 Week 5 TotalPHYSICAL ACQUISITION

Electrical GadgetsKitchenwareService accessoriesFurnitureValuable personal EffectsReal EstateMovable AssetsLive animalsOther

CONSTRUCTION

Month 2

Category VALUEWeek 1 Week 2 Week 3 Week 4 Week 5 Total

PHYSICAL ACQUISITIONElectrical GadgetsKitchenwareService accessoriesFurnitureValuable personal EffectsReal EstateMovable AssetsLive animalsOther

CONSTRUCTION

ACQUISITIONS AND CONSTRUCTIONMonth 3Category VALUE

Week 1 Week 2 Week 3 Week 4 Week 5 TotalPHYSICAL ACQUISITIONElectrical GadgetsKitchenwareService accessories


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FurnitureValuable personal EffectsReal EstateMovable AssetsLive animalsOther

CONSTRUCTION


Week 1 Week 2 Week 3 Week 4 Week 5 TotalPHYSICAL ACQUISITIONElectrical GadgetsKitchenwareService accessoriesFurnitureValuable personal EffectsReal EstateMovable AssetsLive animals

Other

CONSTRUCTION

ACQUISITIONS AND CONSTRUCTIONMonth 5Category VALUE

Week 1 Week 2 Week 3 Week 4 Week 5 TotalPHYSICAL ACQUISITIONElectrical GadgetsKitchenware

Service accessoriesFurnitureValuable personal EffectsReal EstateMovable AssetsLive animalsOther

CONSTRUCTION



PHYSICAL ACQUISITIONElectrical GadgetsKitchenwareService accessoriesFurnitureValuable personal EffectsReal EstateMovable AssetsLive animalsOther


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CONSTRUCTION

8.4 LIVING EXPENSESMonth 1Category VALUE


UPKEEPTOTAL FOOD / GROCERIESOTHER HOUSEHOLD ITEMS (TOTAL)UTILITIES (TOTAL)

Of which ElectricityOf which Water

HEALTHO/w Nutritional supplements

EDUCATIONOf which School FeesVEHICLE EXPENSES

Of which FuelREMITTANCES

Of which Wedding ContributionsOf which Tithe/Zakat

SALARIESENTERTAINMENT, SPORTS & LEISURERENTAL EXPENSESPETS, DOMESTIC ANIMALS & GARDENINGFEES, TAXES, DUES & OTHER CHARGES

Of which TaxesCEREMONIAL EXPENSESTOTAL CONSUMPTION

LIVING EXPENSESMonth 2Category VALUE

Week 1 Week 2 Week 3 Week 4 Week 5 TotalUPKEEPTOTAL FOOD / GROCERIESOTHER HOUSEHOLD ITEMS (TOTAL)UTILITIES (TOTAL)

Of which Electricity

Of which WaterHEALTH

O/w Nutritional supplementsEDUCATIONOf which School FeesVEHICLE EXPENSES



SALARIES


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ENTERTAINMENT, SPORTS & LEISURERENTAL EXPENSESPETS, DOMESTIC ANIMALS & GARDENINGFEES, TAXES, DUES & OTHER CHARGES






EDUCATION

Of which School FeesVEHICLE EXPENSES




Of which TaxesCEREMONIAL EXPENSES

TOTAL CONSUMPTIONLIVING EXPENSESMonth 4Category VALUE



HEALTH

O/w Nutritional supplementsEDUCATIONOf which School FeesVEHICLE EXPENSES



SALARIESENTERTAINMENT, SPORTS & LEISURERENTAL EXPENSES


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PETS, DOMESTIC ANIMALS & GARDENINGFEES, TAXES, DUES & OTHER CHARGES

Of which TaxesCEREMONIAL EXPENSESTOTAL CONSUMPTIONLIVING EXPENSESMonth 5

Category VALUEWeek 1 Week 2 Week 3 Week 4 Week 5 Total

UPKEEPTOTAL FOOD / GROCERIESOTHER HOUSEHOLD ITEMS (TOTAL)UTILITIES (TOTAL)



EDUCATIONOf which School FeesVEHICLE EXPENSES









EDUCATION

Of which School FeesVEHICLE EXPENSES





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9.0 USERS NOTESMONTH 11

234567891011121314

15161718192021222324252627

28293031

MONTH 2123456

7891011121314151617


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1819202122232425

262728293031

MONTH 31234

567891011121314151617

18192021222324252627282930

31

MONTH 41234567


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89101112131415

16171819202122232425262728

293031

MONTH 51234567

891011121314151617181920

2122232425262728293031


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MONTH 612345

6789101112131415161718

19202122232425262728293031

10.0 GLOSSARY

Adequate asset mix: The combination of one's asset portfolio, where, at thevery least, an individual is earning an equivalent of the most risk freesecurities.Adequate rental: The amount of money a household should spend on house rent.Allowed consumption: The amount of money a household should spend on livingexpensesAppreciation: A rise in value or price over time.Asset conversion: Moving an asset from one form to another, e.g., making aresidential 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 beenpurchased. For example, the asset life of a car is about 10 yearsAsset mix: The composition of an individuals/households assets.Asset run down: Selling of assets mainly to finance expenses or investment - seeasset divestiture.Asset shuffling: Selling of one asset to acquire another, e.g., selling land topurchase shares of a listed company.Assets: A resource having economic value that an individual owns or controlswith the expectation that it will provide future benefit.Auxiliary flows: Non-monetary (non-financial) flows affecting an individualswealth basket over time.


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Bendable expenses: Expenses on items whose quantities can be put to minimallevels to put an individual in acceptable consumption bands. This includesexpenses on, personal upkeep, food, other household items, utilities, remittances,entertainment, sports and leisure, and ceremonial expenses. They also includepurchases of passive assetsBudget tracking: Comparisons between the earlier financial plans with the actualincome 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, includesmoney in the pocket, and ATM / current account balances. This, however, does notinclude balances on deposit accounts.Cash requirement: Same as Emergency fund; amount of cash holding an individualneeds to hold in case of an emergencyCeremonial expenses: Expenses on account of household functions andcelebrations e.g. parties, funerals, among others.Consumer credit debt-write off: Used in auxiliary flows; is the cancellation orwriting off of payable debt by creditors who provided consumables.Consumption credit: Consumption of items without paying for them; It increasesone's liabilities as it is a way of financing ones' consumption.

Copy rights: The legal right of creative artists or publishers to control theuse and reproduction of their original works.Corporate securities: Corporations debt obligation (local or national) to anindividual/ Household, backed by the credit and taxing power of a country withvery little risk of default. e.g., corporate bondsCreditors: Individuals, or entities an individual owes money.Debt: An amount of money, a service, or an item of property that is owed tosomebody.Debt burden: A situation where one's periodic debt payments take up a largeproportion (usually over 50 percent) of their total expenses.Debt capacity: The amount of borrowing one can comfortably undertake, giventheir 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 lastportion of their debt.Debt service: The periodic repayments made by a borrower of the principal andinterest on loans, bonds, and other debts.Debtor: Any individual that owes money. If debt is in the form of a loan from afinancial institution, you might use borrower.Depreciation: The decrease in value or price over time.Disposable income: The amount of income left after deducting taxes, socialsecurity contributions and other compulsive deductions.Emergency fund: Same as cash requirement; amount of cash holding an individualneeds to hold in case of emergencies.Enterprise assets: Assets belonging to an individual that generate some form ofincome 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 orcut back in quantities, is not spent.Free lance loans: Interest free advances from friends and family, to be paidback 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 theforeign currency holdings by an individual as a result of the local unitdepreciating against the foreign currency.Government securities: A government debt obligation (local or national) to an


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individual/ household, backed by the credit and taxing power of a country withvery little risk of default. Examples are Treasury bills and Treasury bonds.Health insurance: A plan under which regular payments are made to an insurancecompany during somebody's lifetime, and in return the company pays a specific sumto 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 thiscontext, 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 forthe right to occupy or use property.Household: A domestic unit consisting of the members of a family who livetogether 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 institutionssuch as banks, credit institutions, or micro finance institutions, and onesemployers [They are normally characterized by planned periodic payments].Insurance premiums: Amounts paid to an insurance company to cover potentialhazards.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 aprofit.Investment earnings: Earnings accruing from an individual's investments.Liabilities: Same as debt; the amount of money, a service, or an item ofproperty owed to somebody.Liquid assets: An asset that can be converted into cash quickly and withminimal impact to the price received. Liquid assets are generally regarded in thesame light as cash because their prices are relatively stable when they are soldon the open market.Living means measure: A measure used to access the user's source of income thatfinances their living expenses, passive asset accumulation and debt payments.Living beyond one's means: Selling off assets or borrowing to finance one's living

expensesLiving expenses: Living expenses are those, which once expended do not addvalue to the increase of ones wealth basket.Living within one's reach: Using only a proportion of new money to financeone's living expenses purchase of passive assets and debt payment.Loan amortization: Reduction of debt by scheduled regular payments of principaland interest, sufficient to repay the loan at maturityLong term investment: Periodic placing of investments like hedge and mutualfunds, or social security for a long period of time (usually over 10 years).Losses through local currency depreciation: Monetary loss in value in theforeign currency holdings by an individual as a result of the local unitappreciating 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 theirproactive 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 diversegroup of stocks from other companies.National Social Security Fund (NSSF): See Provident fundNecessity expenses: Expenses on items which a household cannot do without, forinstance, food, upkeep, utilities, rent (if they dont have their own residentialhouse), etc.Net wealth index: An index measuring an individual's well being, using the


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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 andconsistent consumables like rent, where individuals pay upfront and use thepayments overtime to finance that consumable.Non monetary debt payment: Reduction of one's liabilities by paying for them withsome 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 thanthose that reduce one's net worth. These include wages and salaries, profits anddividends, rental income, and interest payments.Other household items: Items categorized in this classification are mainlythose that are not edible, but get exhausted on use. For example, detergents,Other liabilities: Liabilities incurred as a result of other factors other thanborrowing or consumer credit. For instance, breaking a neighbors glass would liveone indebted.Passive assets: Household assets which may have cost money but do not havepotential 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 isearned.Pay TV: A system in which television programs are transmitted in a scrambledform 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 regardedas 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 socialsecurity or pension.Personal vehicle: Vehicle(s) used by the household, for the household'spurposes and not for income generating purposes.

Physical acquisitions: Purchase of tangible items, for the purpose or use by ahousehold.Proactive assets: Household assets with a potential of fetching some form ofincome, once invoked. e.g., real estate, can earn rent.Provident funds: Also, social security; is a compulsory comprehensive socialsecurity savings plan which aims to provide working individuals with a sense ofsecurity and confidence in their old age.Real assets: These are productive assets like stock of capital, item ofproperty, or products regarded as desirable or beneficial.Real Estate: Immovable property: land including all the property on it thatcannot be moved and any attached rights.Receivable debt-write off: Value of receivable money, which was earlier onregarded as an asset but has now been written off without payment.

Remittances: Also called transfers, it refers to the mount of money given outto 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 annualearnings by its total assets. It indicates how profitable a company is relative toits total assets."Return on equity: Return on equity measures the return, expressed as apercentage, 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 netincome. The calculation is performed after preferred stock dividends and beforecommon stock dividends.


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Salaries: Involves payments to workers attributed to a household, e.g., housekeepers, shamba boys and gardeners among othersSalvage value: The worth of material in a useless item: the amount that somebodymay pay for something no longer useful in or of itself but because of potentiallyuseful materials contained in it.Saving: The amount of money that is not spent or used in a given accountingperiod but kept for future useSecurities 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 aservice but require a periodic subscription to be utilized. e.g., Pay TV equipmentShadow rental maximum: The reasonable amount an individual may spend on rentgiven their income and net wealth levels.Short term investment: Investments in funds and securities for a short periodof 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 afall in stock prices.Stock price rise: Increase in value in one's stocks as a result of an increasein 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 yearsand 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 andcommunication services, among others.Value gain in business investments: The increase in value of the businessinterests 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 amongothers include, servicing, fuel, parking, and washing.Wealth creation: Process of increasing of one's net wealth as a result of assetdivestiture or increased new money, or a positive auxiliary flow.Wealth erosion: Process of reduction of one's net wealth as a result of assetdivestiture or borrowing to finance living expenses and debt servicing, or anegative auxiliary flow.Wealth velocity: The rate at which wealth changes its magnitude, it could be acreation or erosion or a static condition.Wear and tear: The reduction in value of physical holdings of an individual orhousehold 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 earningany form of income.Zakat: Periodic remittances to religious institutions i.e., mosques.

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