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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