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Cash Flow Worksheet

Use below Cash Flow Worksheet example to determine where you spend

Cash Flow Tool

Gross Monthly Income

Combined Taxes

 

 

Housing

Food

Mortgage(s) or Rent

Groceries

Association Dues

Eating Out

Homeowners / Renters Insurance

Total Food

Total Housing Expenses

Home Care

Auto

Cleaning

Car Loan or Lease

Landscaping

Car Insurance

Repairs and Maintenance

Maintenance

Utilities

Parking

Other

Gas

Total Home Care

Other

Personal Care

Total Auto Expenses

Clothing/Jewelry

Insurance

Cosmetics

Health Insurance

Health Club

Disability Insurance

Entertainment / Hobbies

Life Insurance

Vacations

Total Insurance

Gifts

Education

Other

Children's Education

Total Personal Care

Adult Continuing Education

 

 

Student Loans

Miscellaneous

Other

   

Total Education

   

Total Monthly Expenses

Murphy's Law Factor
(Increase total expenses by 10%)

Net Cash Flow

Other Tools

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What To Do With Your Results

Positive cash flow: Do you have money left over? Then you're spending less than you make and are in good shape. You could apply the extra money to one of your credit cards or other debts. And if you still have money left over, you should consider increasing your savings.

Kim Kiyosaki "Bringing Out the Rich Woman in You!
Kim Kiyosaki

Negative cash flow: If your expenses exceed your income, you should create a budget to cut back on your variable expenses. Remember, the key is to always spend less than you earn. If you can't find ways to cut expenses, then you'll need to step back and evaluate what you currently consider "necessities." They may be luxuries in disguise that you can live without.

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