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A Financial Resourcefulness Initiative

Your Household.
Your Resources.
Your Opportunity.

Resource360 helps households manage money better, reduce avoidable costs, utilize existing resources, create additional revenue streams and build long-term financial resilience.

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Resource360 — Building Financially Resourceful Households
Why Resourcefulness Matters

Financial pressure requires more than simply earning more.

Resource360 starts with a practical question: how can a household make better use of the resources it already possesses while creating new opportunities for financial progress?

PKR 82,179Nominal monthly household income
PKR 79,150Average monthly consumption
~6Average household members
PKR 13,742Approx. monthly per-capita income
The Resource360 Framework

Six steps toward a more resourceful household.

We look beyond income alone and consider the complete household economic picture.

01 — UNDERSTAND

Know your money

Understand income, expenses, savings, obligations and financial priorities.

02 — OPTIMIZE

Reduce leakage

Identify avoidable costs and improve the efficiency of household spending.

03 — UTILIZE

Use what you have

Identify underused assets, skills, time, knowledge and networks.

04 — CREATE

Create income

Develop practical additional revenue streams suited to the household.

05 — INVEST

Put resources to work

Learn how productive investments can support long-term financial goals.

06 — GROW

Build resilience

Turn better systems and productive resources into sustainable financial progress.

What We Do

Practical financial support for the whole household.

Money Management

Build practical systems for budgeting, spending, saving and financial planning.

Income Creation

Explore additional revenue opportunities using skills, time and available resources.

Resource Utilization

Find productive uses for household assets and capabilities that may be underutilized.

Investment & Markets

Access market education, research and investment-focused resources.

Training & Education

Develop knowledge and practical skills needed for stronger financial decisions.

Household Assessment

View the household as a complete economic system rather than isolated financial transactions.

Private Client Area

Your Resource360 journey, in one place.

The client portal provides registered clients with personalized resources, research, training, documents, communications and financial information.

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Welcome back, Client.

Your financial overview, plans and Resource360 services in one place.

Financial Overview

Start with the areas that matter most.

Open any section for full details. Your latest figures and progress stay visible here.

Financial Health

Your Financial Health

See your latest assessment, progress and priority areas.

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Money Management

Household Money Plan

Plan income, expenses, commitments, savings and reserves in one place.

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Your Access

Your Programs

Programs currently available to your Resource360 account.

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Investment & Markets

PSX Market & Investment Updates

Review market notes, stock research and important updates.

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Resource360 Assessment

Financial Health Check

Understand your household’s financial position, strengths and areas that need improvement.

IntroductionStep 1 of 8
Before we begin

A clear view of your household finances

This assessment looks at the full household picture — income, expenses, dependents, savings, protection and long-term financial security.

AssessSee where your household stands today.
PrioritizeFind the areas that need the most attention.
ImproveUse practical steps and Resource360 tools to improve.
Privacy: We will not ask for passwords, PINs, banking credentials or detailed medical diagnoses. Estimates are acceptable where exact figures are not available.

Your answers will be used to prepare your Resource360 Financial Health Profile and recommendations. This assessment is an educational and planning aid and does not guarantee financial outcomes or replace regulated professional advice.

Section 1

Household Profile

First, tell us about the people your household income and resources support.

Count everyone who normally lives in the household and shares household resources or expenses.
Example: you, spouse, two children and one parent = 5.
Count members regularly receiving salary, business income, pension, rental income, freelancing income or another regular source.
Count people who do not have enough income of their own and rely on the household for normal living costs.
Count people who have some income or support of their own but still need regular help from the household.
Count people who usually pay for their own regular needs without household support.
This is a subset of dependents, not additional household members.
Include groceries, utilities, housing, necessary transport, education and other regular needs. Do not include savings, investments, optional spending or loan payments.
Enter regular monthly repayments, not the total outstanding balance.
Include regular medicines, routine treatment, recurring tests, therapy or other recurring healthcare costs.
Do not include salary, business income, pension, rental income, remittance or another income source entered separately.
Enter 0 if the household does not currently receive outside financial support.
Fixed = usually the same amount; Mostly Fixed = predictable with some variation; Variable = received regularly but the amount changes significantly; Irregular = timing or amount is hard to predict.
Years
Months
Section 2

Income & Income Stability

Tell us about the income your household receives now. If no one is currently earning, you can continue without adding an income source.

Section 3

Cash-Flow Health

Now we look at how your household is managing its current monthly resources and commitments. This helps us identify where support or adjustment may be most useful.

Include deliberate cash, bank or emergency savings. Exclude investments.
Include stocks, mutual funds, retirement investments, business or productive-asset contributions. Exclude ordinary savings and the emergency fund.
Examples include eating out, entertainment, leisure shopping, outings and non-essential subscriptions.
Examples include annual school charges, vehicle tax or insurance, annual subscriptions, property charges and planned family expenses.
Examples include groceries, utilities, rent, fuel or school expenses. Exclude occasional borrowing for a major purchase or unexpected emergency.
Section 4

Emergency Resilience

Tell us what money and investments your household could use during a financial emergency.

Money kept aside for unexpected situations such as loss of income, an urgent repair or a family emergency.
For example: cash, bank balance or money-market/cash funds. Do not include the emergency fund entered above.
For example: listed shares or mutual funds that you could sell if needed. Do not include property, vehicles or business equipment.
Section 5

Risk & Protection

This section looks at major financial risks, your current protection and any important gaps.

Formal coverage may come from an employer, private insurer or government scheme. Do not count informal family help or your own savings.
Enter the approximate maximum amount the insurance, employer or scheme would pay for covered medical expenses in a year. Leave this blank if you do not know.
Include a life insurance policy or employer benefit that would pay money to the family or beneficiaries if that income earner died.
Enter the approximate total amount that would be paid if the covered income earner died. Leave this blank if you do not know.
Enter the total amount still owed, not the monthly payment. Include loans, car or home financing, credit balances and other borrowed money.
For example, a home or vehicle that could be taken by the lender because it was used as security for the loan.
Section 6

Long-Term Financial Security

Finally, tell us about the assets and long-term financial resources your household has built.

For example: stocks, mutual funds and investment certificates. Do not include your emergency fund, normal bank savings, property, vehicles or business assets.
For example: rental property, income-producing land, commercial livestock, machinery or business equipment.
For example: the home you live in, personal vehicles, jewelry and other valuable household assets. Do not include investments or income-generating assets already entered above.
Enter the amount already accumulated today. Do not include a future monthly pension or investments already entered above.
Select Yes if you still owe money on a home loan or financing for this property.
Review

Review your Financial Health Check

Check the information below before submitting. You can go back to any section to change an answer.

Once submitted, Resource360 will use this information to prepare your Financial Health Profile, identify priority areas and provide recommendations. Your results reflect your household's current financial situation and may change as your circumstances change.
Completed

Your Financial Health Check has been submitted.

Your information has been saved securely and your Resource360 Financial Health Profile is ready.

Your completed assessment remains stored for future comparison and reassessment.

Your Results

Financial Health Profile

Your profile shows your household’s current financial position across eight Resource360 financial-health areas, with strengths, priority areas and practical next steps.

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Household Money Management

Build a reliable operating picture of your household before budgeting, forecasting, goal planning or investing.

IntroductionGetting started
Household Financial Baseline

Know what your money must do before deciding what it can do.

This is not an ordinary expense tracker. Resource360 separates resources, operating needs, commitments, predictable future costs and protected reserves so your household can see its true financial capacity.

Reliable ResourcesAdjust income for frequency and reliability instead of treating every rupee equally.
True SurplusRecognize future known expenses before calling remaining cash a surplus.
Financial RunwayMeasure how long resilience reserves could support essential household operations.
Phase 1: We will capture five building blocks — Household Income & Resources, Regular Household Expenses, Financial Commitments, Planned Future Expenses and Savings & Financial Reserves — then calculate your Household Financial Baseline.
Step 1 of 5

Household Income & Resources

Add the income and other money your household can reasonably expect to receive. Resource360 will use this to estimate the amount your household can depend on each month.

Add income or resource

Choose the option that best describes how predictable this income normally is.
Step 2 of 5

Regular Household Expenses

Add the regular expenses your household normally pays to live and operate. Do not include fixed commitments such as rent, loan payments or school fees here — those are added in the next section.

Add regular expense

Essential = difficult to reduce or avoid. Flexible = can be reduced if needed.
Step 3 of 5

Financial Commitments

Add payments your household has already committed to make, such as rent, loan payments, school fees, insurance or regular family support. Do not enter the same payment in Regular Household Expenses.

Add commitment

Essential = must be paid. Important = should be protected where possible. Discretionary = can be reduced or stopped if necessary.
Step 4 of 5

Planned Future Expenses

Add expenses you know are coming but do not normally pay every month. Resource360 will help you set money aside for them in advance.

Examples: vehicle maintenance, annual insurance, school charges, home repairs, family events and seasonal expenses.

Add future expense

Essential = must be funded. Important = should be funded. Discretionary = can be postponed if necessary.
Step 5 of 5

Savings & Financial Reserves

Add money and savings your household could use when needed. You can also mark money that should remain protected for emergencies or other important purposes.

Add reserve

Resource360 will not treat this amount as available for normal household spending.
Household Financial Operating System

Money Management Dashboard

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Money Tracker

Record money received and spent, review your transaction history, and see how actual household activity compares with your financial plan.

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Add Transaction

Record each movement once. Transfers move money between accounts and do not count as income or expense.

Accounts

Where household money currently sits.

Add Account

Resource / Income Intelligence

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Core Requirement Intelligence

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Commitment Intelligence

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Irregular Expense Intelligence

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Recent Transactions

Income, expenses and transfers recorded against this baseline.

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Cash-Flow & Safe-to-Spend

See how much household liquidity can be used today while protecting modeled obligations until future reliable inflows arrive.

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Phase 4 · Goals & Allocation

Your Financial Goals

Turn household resources into specific future outcomes. Keep goals simple: know the target, understand the gap, earmark money and see the progress.

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Add Goal

Define what the household is building toward. Target date and reserve linkage are optional.

If linked, the reserve's existing amount counts toward this goal. Reserve funding remains managed through the reserve system.

Add Money to Goal

Earmarking money does not create an expense or transfer.

Select an account and enter an amount to preview the impact.
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Account awaiting approval

Your Resource360 account has been created successfully. Your membership is currently awaiting approval. Once your account is activated, your full client dashboard and approved resources will become available automatically.

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You do not need to create another account. Program access and paid services can be activated separately after approval.

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Financial Health Check

You can complete your Resource360 Financial Health Check and view your Financial Health Profile even while your membership is awaiting approval.

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Assessment History

Your completed Financial Health Checks remain available while membership approval is pending.

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