Tips, Ladies Can Use To Choose Her Potential Husband

Fri, Sep 19, 2008


In family financial planning, there are a few INDICATORS, to help you gauge your own financial level of success.

Ladies, in particular, will love the tips that I am about to share. 🙂

Well, I am going to share with you a very IMPORTANT discovery.

I am going to share with you on how YOU can determine whether your current boyfriend potential husband, is a person who always got money, or always has that annoying, flickering, ZERO digit in his bank account every month.

You can actually find out if the person got money or not, by asking him to take out his wallet creating his personal statement of cashflows.

A statement of cash flow captures 2 things.

1) Your Cash Inflows

-inflows are all monies received by a person and include gross salaries, rental income, interests and dividends

2) Your Cash Outflows

outflows are monies that a person has paid out, it can be fixed or variable.

…that have occured over time, normally over the course of a year.

I always create a statement of cashflow for my client when he or she claims, that they dont have the extra money to save.

So, now, how do you create that personal statement of cashflow?

First of all, I will ask his average paycheck (disposable income) he brings home every month and add up to other income if he has any, like dividends, rental income etc. (MONEY COMING IN)

After that, I will segregate his outflow (MONEY GOING OUT) into 2 portions.

1) Fixed Outflow

This refers to expenses that is FIXED, like rental, handphone bill, mortgage loan +++

2) Variable Outflow

This refers to something that FLUNCTUATE, something that he CAN CONTROL.

Example, like cigaratte, holiday expenses, food, +++

I will then take the total inflows and subtract it with his total outflows.

If the balance is positive, he is OKAY.

If it is negative, he has a cashflow problem.

I will then analyse, how they spend their money, and propose recommendations on how to control and reduce their variable outflow.


My accountant friend used to joke that, a naive, uneducated lady will look at a guy’s car to determine whether he is rich or poor.

In contrast, an intelligent lady, will look into his bank account to determine whether he is rich or poor.

Now, I will recommend her, to also create that CASHFLOW STATEMENT for her guy, to determine whether this guy got money or not.

Of course,if love binds everything…girls, do help your boyfriends manage their cashflow to a negative POSITIVE one! 🙂


p.s. By the way, if you wish to discover a simple & halal way to create a positive monthly cashflow and calculate your net worth for FREE, then please click here…

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This post was written by:

- who has written 438 posts on The Official Helmi Hakim Website.

A certified financial consultant, Helmi Hakim has won praise for his patience, perseverance and practicality when solving his clients' financial concerns. For more information on how you can manage your finances better, contact Helmi Hakim at 96520134.

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6 Responses to “Tips, Ladies Can Use To Choose Her Potential Husband”

  1. azhar Says:

    Sweet, you have just helped me to hide all these info from my potential girl! LOL JK…:X

  2. Helmi Hakim Says:

    azhar >>> Dont worry… That potential girl of your dreams might helped you to manage your variable outflow well,that you can do more SAVINGS!

    lolz… 🙂

  3. Fadzuli Says:

    Thanks Helmi, very good resource. I’ll point this to my students for future learnings too. 🙂

  4. Helmi Hakim Says:

    Fadzuli >>> Sure… Lets care and share 🙂

  5. bert Says:


    This is assuming the gal is financially savvy & sensible & not trash the guy’s money,

    But if any gal is reading this, i suppose she would be financially sensible ?



  1. […] I realised, its not really how much you earned, that matters. Rather, it is how much you SAVED. One of the tools that enables me to see vividly, interpret the current financial standing of my clients, is the usage of cashflow statement. […]

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