PERSONAL CASH FLOW
NOTE: For daily items, estimate the monthly amount/value and place that value in the appropriate month column.
Total Monthly Cash Flow: $18,380.00
Type Description Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total
Income Salary $7,500.00 $7,500.00 $7,500.00 $7,500.00 $7,500.00 $7,500.00 $45,000.00
Income Commissions/bonus $400.00 $400.00 $500.00 $200.00 $0.00 $600.00 $2,100.00
Income Other 1 $2,500.00 $2,500.00 $2,500.00 $2,500.00 $2,500.00 $2,500.00 $15,000.00
Income Other 2 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Income Other 3 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Income Other 4 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Expenses Federal/SS/Medicare $1,250.00 $1,250.00 $1,250.00 $1,250.00 $1,250.00 $1,250.00 $7,500.00
Expenses State Income Tax $208.33 $208.33 $208.33 $208.33 $208.33 $208.33 $1,250.00
Expenses Vehicle Tax/Fees $16.67 $16.67 $16.67 $16.67 $16.67 $16.67 $100.00
Expenses Vehicle Payments $333.33 $333.33 $333.33 $333.33 $333.33 $333.33 $2,000.00
Expenses Mortgage/Rent $1,250.00 $1,250.00 $1,250.00 $1,250.00 $1,250.00 $1,250.00 $7,500.00
Expenses Insurance $25.00 $25.00 $25.00 $25.00 $25.00 $25.00 $150.00
Expenses Electricity $100.00 $100.00 $100.00 $100.00 $100.00 $100.00 $600.00
Expenses Gas $50.00 $50.00 $50.00 $50.00 $50.00 $50.00 $300.00
Expenses Water $50.00 $50.00 $50.00 $50.00 $50.00 $50.00 $300.00
Expenses Sewer $25.00 $25.00 $25.00 $25.00 $25.00 $25.00 $150.00
Expenses Garbage $12.50 $12.50 $12.50 $12.50 $12.50 $12.50 $75.00
Expenses Phone $50.00 $50.00 $50.00 $50.00 $50.00 $50.00 $300.00
Expenses Internet $50.00 $50.00 $50.00 $50.00 $50.00 $50.00 $300.00
Expenses Disability Premiums $125.00 $125.00 $125.00 $125.00 $125.00 $125.00 $750.00
Expenses Food $400.00 $500.00 $450.00 $400.00 $450.00 $425.00 $2,625.00
Expenses Clothing $50.00 $75.00 $100.00 $75.00 $125.00 $75.00 $500.00
Expenses Medical/Dental/Rx $50.00 $10.00 $25.00 $25.00 $20.00 $70.00 $200.00
Expenses Bus $30.00 $30.00 $30.00 $20.00 $30.00 $30.00 $170.00
Expenses Other 2 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Expenses Other 3 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Expenses Other 4 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Discretionary Dining $50.00 $150.00 $100.00 $50.00 $150.00 $100.00 $600.00
Discretionary Gifts $25.00 $75.00 $50.00 $25.00 $75.00 $50.00 $300.00
Discretionary Travel $0.00 $0.00 $1,000.00 $0.00 $0.00 $1,000.00 $2,000.00
Discretionary Entertainment $50.00 $150.00 $100.00 $50.00 $150.00 $100.00 $600.00
Discretionary Personal Care $15.00 $25.00 $35.00 $15.00 $25.00 $35.00 $150.00
Discretionary Shopping $100.00 $200.00 $150.00 $175.00 $150.00 $175.00 $950.00
Discretionary Charity $50.00 $50.00 $50.00 $50.00 $50.00 $50.00 $300.00
Type Description Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total
Discretionary Club/Memberships $25.00 $25.00 $25.00 $25.00 $25.00 $25.00 $150.00
Discretionary Home Improvements $400.00 $400.00 $400.00 $400.00 $400.00 $400.00 $2,400.00
Discretionary Other 1 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Discretionary Other 2 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Savings Cash Reserves $416.67 $416.67 $416.67 $416.67 $416.67 $416.67 $2,500.00
Savings 401(k)/Etc $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $6,000.00
Savings Savings Account $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $3,000.00
Savings Other 1 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Savings Other 2 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Total $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
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