Monthly Cash Flow Plan tions.net

Monthly Cash Flow Plan

Cash flows 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 speci?c situation.

Step 1

Enter your monthly take-home pay in the box at

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

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

A

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.

Food

B

Housing

C

D

Reality Check

food

Transportation

Charity

Personal

Groceries

Medical

Recreation

Savings

Insurance

Debt

Envelope

Clothing

Utilities

Envelope

Spent

Budgeted

Restaurants

Step 3

Finally, enter your take-home pay in the top

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

categories and place that total in the Category

Totals box (F). Then subtract your Category

Totals amount from your Take-Home Pay. You

should have a zero balance (g). Doesn¡¯t that

feel great?

tAKE-HoME PAY

E

F

¨C

CAtEGoRY totALS

G

=

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.

Food

H

Housing

Reality Check

food

Transportation

Charity

Personal

Groceries

Medical

Recreation

Savings

Insurance

Debt

Envelope

Clothing

Utilities

Envelope

Restaurants

Spent

Budgeted

d

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Monthly Cash Flow Plan

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

Monthly take-Home Pay

Add up budgeted column

& enter here

Food

Transportation

Charity

ion

Insurance

Debt

Spent

Envelope

Budgeted

Food

Food

Transportation

Charity

Personal

Insurance

Debt

Envelope

Clothing

Utilities

Envelope

Spent

opes

Budgeted

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lo

Enve

Debt

Housing

Medical

Recreation

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Savings

Clothing

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Housing

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Charity & o?erings

Reality Check

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Food

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Pers

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Reality Check

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Char

*10¨C15%

Recreation

Savings

pe

lo

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Restaurants

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Food

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ng

othi

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orta

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Groceries

Medical

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ical

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Transportation

Charity

Personal

Insurance

Debt

Recreation

Savings

Clothing

Utilities

totAL

Hous

Envelope

Food

saVing

Medical

Spent

Envelope

Transportation

Budgeted

Housing

Charity

Personal

Insurance

Debt

Clothing

Utilities

Envelope

clothing

Medical

Recreation

Savings

Spent

Envelope

Budgeted

lope

Enve

Debt

Emergency Fund

Check

ty

charitY

Personal

These icons represent good options for cash envel

e

ranc

pe

Adults

pe

Children

pe

Cleaning/Laundry

Insu

Reality Check

onal

Pers

pe

ity

lo

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Char

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orta

Debt

sp

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Retirement Fund

Food

College Fund

Food

e

ranc

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onal

Pers

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Med

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Pers

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Med

n

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Char

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sp

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Food

*10¨C15%

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Utilit

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Utilit

g

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in

Hous

hi

Clot

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Savi

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*2¨C7%

n

eatio

Recr

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Med

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Food

Transportation

Charity

Personal

Insurance

Debt

Envelope

Utilities

Envelope

hoUsing

Housing

Reality Check

Medical

Recreation

Savings

Clothing

totAL

Hous

Spent

Budgeted

Food

First Mortgage/Rent

Transportation

Housing

transportation

Charity

Personal

Insurance

Gas & oil

Medical

pe

Recreation

lo

Enve

Savings

Clothing

Debt

Envelope

Utilities

Envelope

Spent

Budgeted

Debt

e

ranc

Second Mortgage

Insu

onal

Pers

ity

Char

tion

orta

Reality Check

Real Estate taxes

pe

lo

Enve

Repairs & tires

ies

sp

Tran

Utilit

Food

License & taxes

hing

Clot

s

ng

Savi

n

eatio

Recr

ical

Med

Repairs/Maint.

Car Replacement

g

usin

Ho

Association Dues

other _________________

*25¨C35%

Personal

Insurance

Debt

Envelope

Clothing

Utilities

Envelope

Utilities

Savings

totAL

*10¨C15%

Food

Spent

Budgeted

Electricity

Transportation

Charity

Personal

Insurance

Debt

Medical/health

Housing

Reality Check

Medical

Recreation

Savings

Clothing

Utilities

Envelope

Doctor Bills

Water

Dentist

trash

optometrist

Phone/Mobile

Vitamins

Internet

other _________________

Cable

other _________________

totAL

Spent

Budgeted

Medications

Gas

*5¨C10%

totAL

Envelope

*5¨C10%

totAL

*Dave¡¯s Recommended Percentages

Food

Food

Transportation

Charity

Personal

Insurance

insUrance

Debt

Envelope

Spent

Transportation

Charity

Personal

Insurance

Debt

Envelope

recreation

Budgeted

Housing

Medical

Recreation

Savings

Clothing

Utilities

Spent

Envelope

Budgeted

pe

lo

Enve

Debt

Housing

Medical

Recreation

Savings

Clothing

e

ranc

Life Insurance

Utilities

Insu

onal

Pers

Envelope

ity

Char

tion

orta

Reality Check

pe

lo

Enve

Health Insurance

ality Check

Entertainment

ies

sp

Tran

Utilit

Food

hing

Clot

s

ng

Savi

n

eatio

Recr

Vacation

ical

Med

Homeowner/Renter

g

in

Hous

*5¨C10%

Auto Insurance

debts

Disability Insurance

Identity theft

Food

Charity

personal

Personal

Insurance

Debt

Envelope

Transportation

Charity

Personal

Insurance

Debt

Envelope

Car Payment 2

*10¨C25%

Transportation

Budgeted

Car Payment 1

Long-term Care

Food

Spent

totAL

totAL

Housing

Medical

Recreation

Savings

Credit Card 1 _______

Clothing

Utilities

Envelope

Credit Card 2 _______

Spent

Budgeted

Reality Check

pe

lo

Enve

Credit Card 3 _______

Debt

e

ranc

Insu

onal

Pers

Housing

Medical

Recreation

Savings

lo

Enve

Debt

e

ranc

Insu

onal

Pers

Reality Check

ity

tion

porta

ical

Med

Char

s

pe

lo

Enve

Debt

In

onal

Pers

Char

toiletries

Credit Card 5 _______

Cosmetics/Hair Care

Student Loan 1

Education/tuition

Student Loan 2

Books/Supplies

Student Loan 3

Child Support

Student Loan 4

Alimony

other _________________

Subscriptions

other _________________

organization Dues

other _________________

Gifts (inc. Christmas)

other _________________

Replace Furniture

other _________________

Envelope

pe

lo

Enve

ies

Utilit

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Clot

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ng

Savi

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tion

porta

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Med

hing

ng

Savi

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Credit Card 4 _______

Utilities

pe

lo

Enve

ies

Utilit

Clot

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Recr

Child Care/Sitter

Clothing

pe

ity

Char

tion

porta

n

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pe

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Utilit

ng

hi

Clot

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pe

lo

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Debt

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In

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Pers

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ity

Char

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porta

Debt

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Char

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Savi

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porta

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Pers

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Utilit

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Savi

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Recr

Pocket Money (His)

Your goal is O%

lo

Enve

ies

Utilit

lo

Enve

Pocket Money (Hers)

Utilit

hing

Clot

s

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Savi

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Recr

Baby Supplies

ical

Med

totAL

Once you have completed filling out each category,

subtract all category totals from your take-home pay.

ies

ical

Med

*5¨C10%

Pet Supplies

Use the ¡°income sources¡±

form if necessary

Music/technology

Miscellaneous

Add up totals

from each category

other _________________

other _________________

*5¨C10%

totAL

Remember ¡ª

The goal of a zero- based

budget is to get this

number to zero

tAKE-HoME PAY

¨C

CAtEGoRY totALS

=

ZERo BALANCE

 ................
................

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