1. **State the problem:** We need to calculate Cik Sara's cash flow, determine if she manages her finances efficiently, and calculate her monthly savings to buy a plot of land costing 36000 in 3 years with improvement suggestions. 2. **Calculate income balance (T):** Given net income 4100 and passive income 400, total monthly income is 4500. 3. **Calculate total fixed expenses:** Housing loan 1500 + car installment 750 = 2250. 4. **Calculate total variable expenses (U):** Groceries 1000 + utility bills 550 + travel savings 600 = 2150. 5. **Calculate income balance after savings and emergency fund:** $$T = 4500 - 0 - 200 = 4300$$ 6. **Calculate surplus income (V):** $$V = T - (\text{fixed expenses} + \text{variable expenses}) = 4300 - (2250 + 2150) = 4300 - 4400 = -100$$ 7. **Interpretation:** Cik Sara has a monthly deficit of 100, indicating she is spending more than her income and not managing finances efficiently. 8. **Calculate monthly savings needed to buy land costing 36000 in 3 years:** Number of months = $3 \times 12 = 36$ Monthly savings needed: $$\frac{36000}{36} = 1000$$ 9. **Improvement suggestions:** - Reduce variable expenses such as groceries or travel savings. - Increase income through additional passive income or part-time work. **Final answers:** - Surplus income (V) = $-100$ (deficit) - Monthly savings needed = $1000$ - Suggestions: reduce expenses, increase income.