METHOD, SYSTEM AND DATA MODEL FOR MAXIMIZING THE ANNUAL PROFIT OF A HOUSEHOLD MICRO-ECONOMY

摘要

A periodical expense planning system, method and data model considers income, predicted and unpredicted expenses, in order to maximize final balance and profit for the analysis period. It applies multi-period linear optimization techniques, analyzing the expenses of a house cell over N periods for every period within N. The model analyzes the predicted expenses (known costs, but not necessarily the same amount on every period) of the k future periods to come, and also takes into account the actual costs incurred in the r previous periods (having that k+r=N). By doing that, the model calculates the optimal amount that can be taken away from the model in each period (i.e., money to be invested and thus give the user earnings) is achieved, and a planning for the expenses' payment is given. The variables under analysis for each period are how much to save for the next period, how much can be taken away from the model (i.e., the money to be invested), how much should be put into the system (i.e., a low-rate loan), and which expenses should be paid on each specific period.