CONSUMPTION
SAVINGS
DEBTS
UNEXPECTEDEXPENSES
EMERGENCYFUND
BUDGET
APR
NOMINALINTEREST
FEES
EXPENSES
CAPITAL
REPAYMENTTERM
MORTGAGE
PERSONALLOAN
CREDITCARD
REVOLVINGCARD
U
R
Z
W
K
W
S
A
Y
C
N
U
I
I
A
W
P
R
K
N
A
A
I
E
U
R
T
A
O
W
N
R
G
R
R
U
R
I
E
V
Y
A
G
E
Y
P
M
O
E
J
M
R
E
Q
M
E
R
X
M
O
O
A
M
I
I
A
X
G
R
Y
V
R
C
O
P
D
P
I
E
U
O
T
N
P
P
F
J
K
O
Q
G
R
V
A
A
E
X
C
P
A
A
R
E
M
I
U
L
M
H
I
E
O
Y
O
C
M
V
L
L
B
N
W
X
F
V
Z
A
I
G
D
A
M
U
T
R
M
I
B
S
F
L
O
I
U
X
A
Q
P
I
S
E
Z
E
S
N
K
E
K
U
T
N
S
I
O
S
K
N
T
A
N
T
D
T
S
S
G
F
W
G
A
D
J
I
O
I
Q
C
B
T
V
E
O
A
Y
C
W
C
I
O
K
C
U
Q
J
E
A
P
T
R
X
F
V
B
N
A
I
S
Y
U
F
D
D
Z
U
R
H
E
V
P
E
I
U
R
D
M
O
R
T
G
A
G
E
G
D
S
R
D
E
E
N
D
N
J
E
H
Z
G
X
T
W
B
U
T
E
M
E
N
S
G
S
E
M
E
R
G
E
N
C
Y
F
U
N
D
S
K
S
P
S
O
B
P
E
R
S
O
N
A
L
L
O
A
N
A
T
E
N
B
U
D
G
E
T
P
L
M
S
O
Z
P
R
O
W
C
S
