I have a bookstore, run for 1 year and 3 months.
In the beginning I loan 103mil vnd to start.
In the overall course of time: my revenue is 457,661,000 vnd, and my expense is 511,433,000 vnd.
My inventory now, if I sell all of them, will amount to 104,806,000 mil.
And I have paid for some items but they haven't arrived. I paid around 5 mil vnd.
Now I have a plan to:
- Pay the loan
- Recover the loss in a year
Let's say I can only hit 30 mil per month in revenue. How much expense should be the maximum for me?

To determine the maximum allowable expenses per month to recover your losses and pay back the loan in one year, we'll need to calculate your current financial standing and then determine a feasible monthly expense limit based on your planned revenue.

### Step 1: Calculate the Net Loss or Profit

1. **Initial Loan**: 103,000,000 VND
2. **Total Revenue**: 457,661,000 VND
3. **Total Expenses**: 511,433,000 VND
4. **Current Inventory Value**: 104,806,000 VND
5. **Paid but Not Arrived Inventory**: 5,000,000 VND

**Net Loss Calculation**:
\[
\text{Net Loss} = \text{Total Revenue} - \text{Total Expenses} = 457,661,000 - 511,433,000 = -53,772,000 \text{ VND}
\]

**Current Financial Standing**:
\[
\text{Net Worth} = \text{Current Inventory Value} + \text{Paid Inventory} - \text{Loan} = 104,806,000 + 5,000,000 - 103,000,000 = 6,806,000 \text{ VND}
\]

You have a net worth of 6,806,000 VND, which will be used to partially cover your losses.

**Remaining Loss to Recover**:
\[
\text{Remaining Loss} = \text{Net Loss} - \text{Net Worth} = -53,772,000 - 6,806,000 = -60,578,000 \text{ VND}
\]

### Step 2: Plan for Recovery

You aim to:

1. **Pay the Loan**: 103,000,000 VND
2. **Recover the Loss**: 60,578,000 VND
3. **Total Amount to Recover**: 
\[
\text{Total to Recover} = 103,000,000 + 60,578,000 = 163,578,000 \text{ VND}
\]

### Step 3: Calculate Monthly Expense Limit

Given that you expect to achieve a revenue of 30,000,000 VND per month, let's calculate the maximum allowable monthly expenses:

1. **Timeframe**: 12 months
2. **Monthly Recovery Needed**:
\[
\text{Monthly Recovery} = \frac{\text{Total to Recover}}{12} = \frac{163,578,000}{12} \approx 13,631,500 \text{ VND}
\]

3. **Maximum Allowable Monthly Expenses**:
\[
\text{Monthly Revenue} - \text{Monthly Recovery} = 30,000,000 - 13,631,500 \approx 16,368,500 \text{ VND}
\]

### Conclusion

To achieve your goal of paying off the loan and recovering your losses within a year, your maximum allowable expense per month should be **16,368,500 VND**.

Would you like more details or have any questions about these calculations? Here are some related questions to consider:

1. What strategies can you use to increase your monthly revenue beyond 30 million VND?
2. How can you optimize your expenses to stay within the 16,368,500 VND limit?
3. Are there ways to reduce your loan payment obligations or restructure the loan?
4. How might you adjust your inventory strategy to improve cash flow?
5. What are potential risks that could impact your ability to recover the losses within the planned timeframe?

**Tip:** Monitoring and reviewing your expenses regularly can help ensure you stay on track with your financial goals.

I have a bookstore, run for 1 year and 3 months. In the beginning I loan 103mil vnd to start. In the overall course of time: my revenue is 457,661,000 vnd, and my expense is 511,433,000 vnd. My inventory now, if I sell all of them, will amount to 104,806,000 mil. And I have paid for some items but they haven't arrived. I paid around 5 mil vnd. Now I have a plan to: Pay the loan, Recover the loss in a year. Let's say I can only hit 30 mil per month in revenue. How much expense should be the maximum for me?

Learn how to calculate the maximum allowable monthly expenses for a bookstore to recover losses and pay off a loan within a year. This problem covers basic arithmetic and financial planning concepts, including net loss, net worth, and monthly recovery calculations. Suitable for high school students and above.

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