The document provides guidance on Christian financial planning in 12 areas: earning, spending, saving, giving/tithing, estate planning, determining values and financial situation, establishing goals, developing a spending plan, keeping records, praying, establishing goals, and goals. It recommends monitoring earnings, spending, saving, giving, and estate planning. It outlines elements of a financial plan including determining values and financial situation, establishing goals, developing a budget, and keeping records.

1. Christian Financial Planning Tay Ho Soon, CFP ® http://hosoon.blogspot.com/

5. Goals Pray for Four Months Pray for Wisdom No Praying Wild and Crazy Beyond Basic Basics Desires Wants Needs

12. Christmas Bondage

16. Budget Worksheets Use Personal Budgeting Spreadsheet List the Financial Goals! Quicken Computer Program Lotus or Excel Old Crumpled Up Grocery Bags or Used Envelopes

21. Retirement Investing How can you be prepared for inflation? 1. Live for it! Don't spend more than you are receiving. Sounds simple but it's a reminder that a budget is necessary even after you retire! 2. Invest for it! Don't be so conservative so that all your investments are "INCOME" oriented and "PRINCIPAL" secured. Leave room in your investment portfolio for some growth type stocks and/or mutual funds. 3. Spend for it! Buy, those long term assets that you know you will need in the next few years. Don't use this as an excuse to purchase new items that you don't really need. But buy or set aside the money for a new roof or new car.

24. 1. PAY OFF YOUR CREDIT CARDS. 2. ELIMINATE ALL CONSUMER DEBT. 3. MAXIMIZE YOUR RETIREMENT PLAN CONTRIBUTIONS. 4. PAY OFF YOUR MORTGAGE. 5. BUY USED CARS VERSUS NEW CARS. 6. SIGN UP FOR A MUTUAL FUND AUTODEBIT PLAN. 7. PURCHASE BLUE-CHIP STOCKS & KEEP THEM Top Seven Investments

27. How To Accumulate $1,000,000 by Age 65 At 30 you still have 35 years

33. Investment Guidelines

36. Your Personal CPA CFP I’m sorry, I can’t make a decision without my CPA’s and Certified Financial Planner’s approval.

39. Useful websites Securities Commission: www.sc.com.my Financial Planning Association of Malaysia: www.fpam.org.my Bank Negara Malaysia: www.bnm.gov.my