Guide

PERSONAL CASH FLOWThis workbook has annual, monthly and daily cash flow worksheets. Choose the cash flow type that works best for you or use them all to help gain insight on your personal cash flow.

Annual Cash FlowMonthly Cash FlowDaily Cash Flow

Enter an annual cash flow amount over various areas. See the monthly break down and how everything compares, and most importantly what your bottom line is in both annual and monthly figures.Enter the monthly cash flow you experience monthly or estimate the remaining months to see the projected cash flow for the year for each month.Enter an estimated amount of cash flow you experience daily and review the estimated monthly and annual totals. Use this to get a sense of what your daily spending habits will look like over the course of a month or year.

GUIDEANNUALMONTHLYDAILY

Annual Cash FlowPERSONAL CASH FLOW$39,750.00This is an annual estimation. Use this worksheet if you wish to view annual amounts with estimated monthly valuesIf you wish to add daily items to the Tables, estimate their annual amount/value and place value in the Annual column.INCOME SUMMARYEXPENSES SUMMARYDISCRETIONARY SUMMARYSAVINGS SUMMARYTotal Annual:$125,000.00Total Annual:$49,000.00Total Annual:$13,250.00Total Annual:$23,000.00

Total Monthly:$10,416.67Total Monthly:$4,083.33Total Monthly:$1,104.17Total Monthly:$1,916.67

IncomeAnnual Monthly ExpensesAnnual Monthly Discretionary ExpensesAnnual Monthly SavingsAnnual Monthly Salary$90,000.00$7,500.00Federal/SS/Medicare$15,000.00$1,250.00Dining$1,200.00$100.00Cash Reserves$5,000.00$416.67Commissions/bonus$5,000.00$416.67State Income Tax$2,500.00$208.33Gifts$600.00$50.00401(k)/Etc$12,000.00$1,000.00Other 1$30,000.00$2,500.00Vehicle Tax/Fees$200.00$16.67Travel$2,250.00$187.50Savings/Investment$6,000.00$500.00Other 2$0.00Vehicle Payments$4,000.00$333.33Entertainment$1,200.00$100.00Other 1$0.00Other 3$0.00Mortgage/Rent$15,000.00$1,250.00Personal Care$300.00$25.00Other 2$0.00Other 4$0.00Insurance$250.00$20.83Shopping$2,000.00$166.67Total$23,000.00$1,916.67Total$125,000.00$10,416.67Electricity$1,200.00$100.00Charity$600.00$50.00Gas$600.00$50.00Club/Memberships$300.00$25.00Water/Sewer$600.00$50.00Home Improvements$4,800.00$400.00Garbage$150.00$12.50Other 1$0.00Phone$600.00$50.00Other 2$0.00Internet$600.00$50.00Total$13,250.00$1,104.17Life/Disability Premiums$1,500.00$125.00Food$5,000.00$416.67Clothing$1,200.00$100.00Medical/Dental/Rx$600.00$50.00Other 1$0.00Other 2$0.00Total$49,000.00$4,083.33

GUIDEANNUALMONTHLYDAILYTotal Cash Flow to Date:$39.750,00

Monthly Cash FlowPERSONAL CASH FLOW$18,380.00NOTE: For daily items, estimate the monthly amount/value and place that value in the appropriate month column.TypeDescriptionJanFebMarAprMayJunJulAugSepOctNovDecTotalIncomeSalary$7,500.00$7,500.00$7,500.00$7,500.00$7,500.00$7,500.00$45,000.00IncomeCommissions/bonus$400.00$400.00$500.00$200.00$0.00$600.00$2,100.00IncomeOther 1$2,500.00$2,500.00$2,500.00$2,500.00$2,500.00$2,500.00$15,000.00IncomeOther 2$0.00$0.00$0.00$0.00$0.00$0.00$0.00IncomeOther 3$0.00$0.00$0.00$0.00$0.00$0.00$0.00IncomeOther 4$0.00$0.00$0.00$0.00$0.00$0.00$0.00ExpensesFederal/SS/Medicare$1,250.00$1,250.00$1,250.00$1,250.00$1,250.00$1,250.00$7,500.00ExpensesState Income Tax$208.33$208.33$208.33$208.33$208.33$208.33$1,250.00ExpensesVehicle Tax/Fees$16.67$16.67$16.67$16.67$16.67$16.67$100.00ExpensesVehicle Payments$333.33$333.33$333.33$333.33$333.33$333.33$2,000.00ExpensesMortgage/Rent$1,250.00$1,250.00$1,250.00$1,250.00$1,250.00$1,250.00$7,500.00ExpensesInsurance$25.00$25.00$25.00$25.00$25.00$25.00$150.00ExpensesElectricity$100.00$100.00$100.00$100.00$100.00$100.00$600.00ExpensesGas$50.00$50.00$50.00$50.00$50.00$50.00$300.00ExpensesWater$50.00$50.00$50.00$50.00$50.00$50.00$300.00ExpensesSewer$25.00$25.00$25.00$25.00$25.00$25.00$150.00ExpensesGarbage$12.50$12.50$12.50$12.50$12.50$12.50$75.00ExpensesPhone$50.00$50.00$50.00$50.00$50.00$50.00$300.00ExpensesInternet$50.00$50.00$50.00$50.00$50.00$50.00$300.00ExpensesLife/Disability Premiums$125.00$125.00$125.00$125.00$125.00$125.00$750.00ExpensesFood$400.00$500.00$450.00$400.00$450.00$425.00$2,625.00ExpensesClothing$50.00$75.00$100.00$75.00$125.00$75.00$500.00ExpensesMedical/Dental/Rx$50.00$10.00$25.00$25.00$20.00$70.00$200.00ExpensesBus$30.00$30.00$30.00$20.00$30.00$30.00$170.00ExpensesOther 2$0.00$0.00$0.00$0.00$0.00$0.00$0.00ExpensesOther 3$0.00$0.00$0.00$0.00$0.00$0.00$0.00ExpensesOther 4$0.00$0.00$0.00$0.00$0.00$0.00$0.00DiscretionaryDining$50.00$150.00$100.00$50.00$150.00$100.00$600.00DiscretionaryGifts$25.00$75.00$50.00$25.00$75.00$50.00$300.00DiscretionaryTravel$0.00$0.00$1,000.00$0.00$0.00$1,000.00$2,000.00DiscretionaryEntertainment$50.00$150.00$100.00$50.00$150.00$100.00$600.00DiscretionaryPersonal Care$15.00$25.00$35.00$15.00$25.00$35.00$150.00DiscretionaryShopping$100.00$200.00$150.00$175.00$150.00$175.00$950.00DiscretionaryCharity$50.00$50.00$50.00$50.00$50.00$50.00$300.00DiscretionaryClub/Memberships$25.00$25.00$25.00$25.00$25.00$25.00$150.00DiscretionaryHome Improvements$400.00$400.00$400.00$400.00$400.00$400.00$2,400.00DiscretionaryOther 1$0.00$0.00$0.00$0.00$0.00$0.00$0.00DiscretionaryOther 2$0.00$0.00$0.00$0.00$0.00$0.00$0.00SavingsCash Reserves$416.67$416.67$416.67$416.67$416.67$416.67$2,500.00Savings401(k)/Etc$1,000.00$1,000.00$1,000.00$1,000.00$1,000.00$1,000.00$6,000.00SavingsSavings/Investment Account$500.00$500.00$500.00$500.00$500.00$500.00$3,000.00SavingsOther 1$0.00$0.00$0.00$0.00$0.00$0.00$0.00SavingsOther 2$0.00$0.00$0.00$0.00$0.00$0.00$0.00Total$3,692.50$3,247.50$2,522.50$3,427.50$2,887.50$2,602.50$0.00$0.00$0.00$0.00$0.00$0.00$18,380.00

Total Monthly Cash Flow:$18.380,00GUIDEANNUALMONTHLYDAILY

Daily Cash FlowPERSONAL CASH FLOW$577.84NOTE: If you wish to add daily items to the Table, estimate their monthly amount/value and place value in the appropriate month column.DAILY SUMMARYTOTALS DailyMonthlyAnnual Income$342.47$10,416.80$125,001.55Expenses$136.06$4,138.49$49,661.90Discretionary$36.29$1,103.82$13,245.85Savings$63.02$1,916.86$23,002.30

TypeDescriptionDailyMonthlyAnnualIncomeSalary$246.58$7,500.14$90,001.70IncomeCommissions/bonus$13.70$416.71$5,000.50IncomeOther 1$82.19$2,499.95$29,999.35IncomeOther 2$0.00$0.00$0.00IncomeOther 3$0.00$0.00$0.00IncomeOther 4$0.00$0.00$0.00ExpensesFederal/SS/Medicare$41.10$1,250.13$15,001.50ExpensesState Income Tax$6.85$208.35$2,500.25ExpensesVehicle Tax/Fees$0.55$16.73$200.75ExpensesVehicle Payments$10.96$333.37$4,000.40ExpensesMortgage/Rent$41.10$1,250.13$15,001.50ExpensesInsurance$0.68$20.68$248.20ExpensesElectricity$3.29$100.07$1,200.85ExpensesGas$1.64$49.88$598.60ExpensesWater$1.64$49.88$598.60ExpensesSewer$0.82$24.94$299.30ExpensesGarbage$0.41$12.47$149.65ExpensesPhone$1.64$49.88$598.60ExpensesInternet$1.64$49.88$598.60ExpensesLife/Disability Premiums$4.11$125.01$1,500.15ExpensesFood$13.70$416.71$5,000.50ExpensesClothing$3.29$100.07$1,200.85ExpensesMedical/Dental/Rx$1.64$49.88$598.60ExpensesBus$1.00$30.42$365.00ExpensesOther 2$0.00$0.00$0.00ExpensesOther 3$0.00$0.00$0.00ExpensesOther 4$0.00$0.00$0.00DiscretionaryDining$3.29$100.07$1,200.85DiscretionaryGifts$1.64$49.88$598.60DiscretionaryTravel$6.16$187.37$2,248.40DiscretionaryEntertainment$3.29$100.07$1,200.85DiscretionaryPersonal Care$0.82$24.94$299.30DiscretionaryShopping$5.48$166.68$2,000.20DiscretionaryCharity$1.64$49.88$598.60DiscretionaryClub/Memberships$0.82$24.94$299.30DiscretionaryHome Improvements$13.15$399.98$4,799.75DiscretionaryOther 1$0.00$0.00$0.00DiscretionaryOther 2$0.00$0.00$0.00SavingsCash Reserves$13.70$416.71$5,000.50Savings401(k)/Etc$32.88$1,000.10$12,001.20SavingsSavings/Investment Account$16.44$500.05$6,000.60SavingsOther 1$0.00$0.00$0.00SavingsOther 2$0.00$0.00$0.00Total$107.10$3,257.63$39,091.50

Total Available Cash:$577,84GUIDEANNUALMONTHLYDAILY