Monthly Cash Flow Plan tions.net

Monthly Cash Flow Plan

Cash lows in and out each month. Make sure you tell it where to go!

Yes, this budget form has a lot of lines and blanks.

But that's okay. We do that so we can list practically every expense imaginable on this form to prevent you from forgetting something. Don't expect to put something on every line. Just use the ones that are relevant to your specific situation.

Step 1

Enter your monthly take-home pay in the box at

A

the top right (a). This is the amount you have for

the month to budget. So far so good, huh?

Monthly take-Home Pay

Step 2

Within each main category, such as Food, there are subcategories, like Groceries. Start at the top and work your way down, filling out the Budgeted column (b) first. Add up each subcategory and put that number in the Total box (c).

Also, pay attention to Dave's recommended percentages (d). This will help you keep from budgeting too much for a category.

B

C D

food

Food

Transportation Charity

Personal

Insurance

Debt

Envelope

Housing

Groceries Medical

Recreation

Savings

Clothing

Utilities

Envelope

Restaurants

Reality Check

Spent Budgeted

Step 3

Finally, enter your take-home pay in the top

E

box at the end of the page (e), then add up all

categories and place that total in the Category

F

Totals box (F). Then subtract your Category

Totals amount from your Take-Home Pay. You

G

should have a zero balance (g). Doesn't that

feel great?

tAKE-HoME PAY ? CAtEGoRY totALS = ZERo BALANCE

Step 4

When the month ends, put what you actually spent in the Spent column (h). That will help you make any necessary adjustments to the next month's budget.

H

food

Food

Transportation Charity

Personal

Insurance

Debt

Envelope

Housing

Groceries Medical

Recreation

Savings

Clothing

Utilities

Envelope

Restaurants

Reality Check

Spent Budgeted

Monthly Cash Flow Plan

Cash lows in and out each month. Make sure you tell it where to go!

Add

up

budgeted &

column enter

here

Monthly take-Home Pay These icons represent good options for cash envelopes

Food

Transportation Charity

charitY

Personal

Insurance

Debt

Envelope

Housing

Medical

Recreation

tithes Savings

Clothing

Utilities

Envelope

Reality Check

Charity & offerings

d

Transportation Charity

Personal

Insurance

Debt

Envelope

ng

Medical

Recreation

Savings

saVing

Clothing

Utilities

Envelope

Check

Emergency Fund

Retirement Fund

College Fund

Food

Transportation Charity

Personal

Insurance

Debt

Envelope

Housing

hoUsing

Medical

Recreation

Savings

Clothing

Utilities

Envelope

Spent *10?15% Spent

*10?15%

Budgeted

Food

Food

Transportation Charity

Personal

Insurance

Debt

Envelope

Debt

Personal

Insurance

Housing

Food Food

Charity

Transportation

Debt

Insurance PersonalSavings

Clothing

TransportatiMonedical CharityRecreation

Housing

Clothing

EnvelopeEnvelope Utilities

Reality Check Envelope

Utilities

totAL Medical

Recreation

Savings

Housing

Food

Transportation Charity

Personal

Insurance

Groceries Medical

Recreation

Savings

Clothing

Restaurants

Debt

Envelope

Utilities

Envelope Envelope

Budgeted

Housing

Medical

Recreation

Savings

clothing

Clothing

Utilities

Envelope

Envelope

Debt

Reality Check

Personal

Insurance

Food Food Food

Charity

Transportation

Debt

Insurance PersonalSavings

Clothing

HouTsrianngsportatiMonedical CharityRecreatioPn ersonalSavingIsnsurance

Debt Clothing

TransportatiMonedical CharityRecreation

Housing

Clothing

EnvelopeEnvelope Utilities

EnvelopeEnvelope Utilities

Utilities

Envelope

Savings

totAL Medical

Recreation

Housing

Adults Children Cleaning/Laundry

Spent Budgeted

transportation

Food

Transportation Charity

Personal

Insurance

Debt

Envelope

Spent Budgeted

*5?15% totAL

Spent Budgeted

*2?7% totAL

Spent Budgeted

RealityCheck First Mortgage/Rent Second Mortgage Real Estate taxes Repairs/Maint. Association Dues

Housing

EnvMeleopdeical

Gas & oil

Recreation

Savings

Clothing

Utilities

Envelope

Debt

Personal

Insurance

Repairs & tires

Food

Transportation

Charity

Reality Check

Envelope

Savings

Clothing

Utilities

License & taxes

Medical

Recreation

Housing

Car Replacement

other _________________

ty

Personal

Insurance

Debt

Envelope

ion

Savings

Clothing

Utilities

Utilities

Envelope

Electricity Gas Water trash Phone/Mobile Internet Cable

*25?35% totAL

Spent Budgeted

Food

Transportation Charity

Personal

Insurance

Debt

Envelope

Housing

Medical

Medical/health

Recreation

Savings

Clothing

Utilities

Envelope

Reality Check

Medications

Doctor Bills

Dentist

optometrist

Vitamins

other _________________

other _________________

*10?15% totAL

Spent Budgeted

*5?10% totAL

*5?10% totAL

*Dave's Recommended Percentages

Food

Transportation Charity

insUrance

Personal

Insurance

Debt

Envelope

Housing

Medical

Recreation

Savings

Life Insurance

Clothing

Utilities

Envelope

Health Insurance

ality Check

Homeowner/Renter

Auto Insurance

Disability Insurance

Identity theft

Long-term Care

Food

Transportation Charity

personal

Personal

Insurance

Debt

Envelope

Envelope

Debt

HousinPgersonal

Insurance Medical

Recreation

Savings

portation

Charity

Debt

Reality

Insurance ChPeercskonalSavings

Clothing

portatiMonedical CharityRecreation

Insurance

PersonalSavings

Debt Clothing

portatiMonedical CharityRecreation

EnvelopeEnvelope Utilities

EnvelopeEnvelope Utilities

Utilities

Envelope

Clothing

Medical

Recreation

Savings

Child Care/Sitter Clothing

Utilities

Envelope

toiletries

Cosmetics/Hair Care

Education/tuition

Books/Supplies

Child Support

Alimony

Subscriptions

organization Dues

Envelope

Debt

Personal

Insurance

portation

Charity

Debt

Insurance portatiMonedical CharityRecreatioPn ersonalSavingIsnsurance portatiMonedical CharityRecreatioPn ersonalSavings

Clothing

Debt Clothing

Clothing

EnvelopeEnvelope Utilities

EnvelopeEnvelope Utilities

Utilities

Envelope

Medical

Recreation

Savings

Gifts (inc. Christmas) Replace Furniture Pocket Money (His) Pocket Money (Hers) Baby Supplies Pet Supplies

Music/technology

Miscellaneous

other _________________

other _________________

Spent

Food

Transportation Charity

Personal

Insurance

Debt

Envelope

Budgeted

Housing

Medical

Recreation

Food

Envelope

Debt

Transportation

Charity

Personal

Insurance

Reality Check

Clothing

Utilities

Envelope

Housing

Medical

Recreation

Savings

recreation

Savings

Clothing

Utilities

Envelope

Entertainment Vacation

Spent Budgeted

*5?10% totAL

debts

Spent Budgeted

Food

Transportation Charity

Personal

Car Payment 1

Insurance

Debt

Envelope

Car Payment 2

*10?25%

totAL

Housing

Medical

Recreation

Savings

Spent Budgeted Reality Check

Credit Card 1 _______

Clothing

Utilities

Envelope

Credit Card 2 _______

Credit Card 3 _______

Credit Card 4 _______

Credit Card 5 _______

Student Loan 1

Student Loan 2

Student Loan 3

Student Loan 4

other _________________

other _________________

other _________________

other _________________

other _________________

Your goal is O%

*5?10% totAL

Once you have completed filling out each category, subtract all category totals from your take-home pay.

*5?10% totAL

Use the "income sources" form if necessary

Add up totals from each category

Remember --

The goal of a budget is to

zero- based get this

number to zero

tAKE-HoME PAY ? CAtEGoRY totALS = ZERo BALANCE

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