PERSONAL CASH FLOW DAILY

CASH FLOW
MONTHLY
CASH FLOW
ANNUAL
CASH FLOW

This 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.

Daily cash flow Monthly cash flow Annual cash flow

Enter an estimated amount of cash Enter the monthly cash flow you Enter an annual cash flow amount
flow you experience daily and review experience or estimate the in four worksheets: Income,
the estimated monthly and annual remaining months to see the Expenses, Discretionary, and
totals. Use this to get a sense of projected cash flow for the year for Savings.
what your daily spending habits will each month. See the monthly break down and
look like over the course of a month how everything compares, and most
or year. importantly what your bottom line is
in both annual and monthly figures.
Monthly Cash Flow Month: DEC 24 MONTHLY
CASH FLOW
ANNUAL
CASH FLOW
GUIDE

Total available cash: 101,339.11

Daily summary

Totals OCBC P. Bank M. Current Cash Type Description OCBC P. Bank M. Current Cash

Income $16,500.00 $13,866.36 $65,672.75 $5,300.00 Income Seling JCP(6775) $14,700.00 $0.00 $20,000.00 $5,300.00

Expenses $0.00 $0.00 $0.00 $0.00 Income KLK Racun $1,800.00 $0.00 $8,700.00 $0.00

Bank
$0.00 $0.00 $0.00 $0.00 Income Tractor SD Guthrie $0.00 $0.00 $16,972.75 $0.00
Transfers

Savings $0.00 $0.00 $0.00 $0.00 Income JCB LIAN YIK $0.00 $0.00 $20,000.00 $0.00

Income Kelisah $0.00 $9,570.95 $0.00 $0.00

Income Wong & Lim $0.00 $3,731.20 $0.00 $0.00

Income Sg. Tengah $0.00 $564.21 $0.00 $0.00

Expenses Liability

Expenses Work Maintence

Expenses Family

Expenses Children

Expenses Donation(B)

Expenses Donation(P)

Expenses Utility Bills

Expenses

Expenses Water

Expenses Sewer

Expenses Garbage

Expenses Phone

Expenses Internet

Expenses Disability premiums

Expenses Food

Expenses Clothing

Expenses Medical/dental/Rx

Expenses Bus

Expenses Other 2

Expenses Other 3

Expenses Other 4

Bank
Dining
Transfers

Bank
Gifts
Transfers

Bank
Travel
Transfers

Bank
Entertainment
Transfers

Bank
Personal care
Transfers

Bank
Shopping
Transfers

Bank
Charity
Transfers

Bank
Club memberships
Transfers

Bank
Home improvements
Transfers

Bank
Other 1
Transfers

Bank
Other 2
Transfers

Page 2 of 17
Savings Cash reserves

Savings 401k etc.

Savings Savings account

Savings Other 1

Savings Other 2

Total $16,500.00 $13,866.36 $65,672.75 $5,300.00

Page 3 of 17
MONTHLY CASH FLOW DAILY
CASH FLOW
ANNUAL
CASH FLOW
GUIDE

NOTE: For daily items, estimate the monthly amount/value and place
Total monthly cash flow: $18,880.00 that value in the appropriate month column.

Type Descriptions 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 $300.00 $400.00 $600.00 $2,600.00

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

Page 4 of 17
Type Descriptions Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total

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

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 401k 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

Page 5 of 17
Type Descriptions Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total

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 $3,527.50 $3,287.50 $2,602.50 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $18,880.00

Page 6 of 17
ANNUAL CASH FLOW DISCRETIONARY INCOME EXPENSES SAVINGS

Total cash flow to date: $88,750.00

Income Summary Expenses Summary

Total annual: $125,000.00 Total annual: $0.00

Mortgage/rent
Salary Federal/SS/Medicare
Food
Vehicle payments
Other 1
State income tax
Disability premiums
Clothing
Commissions/Bonus
Electricity
Medical/dental/Rx
Phone
Other 4
Water/sewer
Gas

Other 3 Internet
Insurance
Vehicle tax/fees
Other 2 Garbage
Other 2
Other 1
$0 $5,000 $10,000 $15,000 $20,000

Total Monthly: $10,416.67 Total Monthly: $0.00

Discretionar s Savings Summary

Total annual: $13,250.00 Total annual: $23,000.00 Row La

Home improvements
401k etc.
Travel

Shopping

Savings/investment
Dining

Entertainment O
t
Cash reserves h
Charity
e
r
Gifts
2
Personal care
Other 2

Club memberships

Other 1
Other 1
Other 2
O
$0 $4,000 $8,000 $12,000 t
$0 $2,000 $4,000 $6,000 O
h
te
h
r
Total Monthly: $1,104.17 Total Monthly: $1,916.67 e
r3

Page 7 of 17
Bank ANNUAL
CASH FLOW
EXPENSES DISCRETIONARY SAVINGS

Total cash flow to date: $88,750.00

Income Annual Monthly

Maybank (Saving) $90,000.00 $7,500.00

Maybank(Current) $5,000.00 $416.67

OCBC $30,000.00 $2,500.00

Public Bank $0.00 $0.00

CIMB $0.00 $0.00

BSN $0.00 $0.00

Total $125,000.00 $10,416.67

Page 8 of 17
EXPENSES ANNUAL
CASH FLOW INCOME DISCRETIONARY SAVINGS

Total cash flow to date: $88,750.00

Expenses Annual Monthly

Federal/SS/Medicare $12,500.00 $1,041.67 Medical/dental/Rx $600.00 $1,041.67

State income tax $2,500.00 $208.33 Other 1 $0.00 $208.33

Vehicle tax/fees $200.00 $16.67 Other 2 $0.00 $16.67

Vehicle payments $4,000.00 $333.33 Total $45,900.00 $3,825.00

Mortgage/rent $15,000.00 $1,250.00

Insurance $250.00 $20.83

Electricity $1,200.00 $100.00

Gas $600.00 $50.00

Water/sewer $600.00 $50.00

Garbage $150.00 $12.50

Phone $600.00 $50.00

Internet $600.00 $50.00

Disability premiums $1,500.00 $125.00

Food $5,000.00 $416.67

Clothing $1,200.00 $100.00

Page 9 of 17
Bank Transfer ANNUAL
CASH FLOW
INCOME EXPENSES SAVINGS

This is an annual estimation. Use this worksheet if you wish to view annual amounts with estimated monthly
values
Total cash flow to date: $88,750.00 If you wish to add daily items to the tables, estimate their annual amount/value and place value in the annual
column.

Expenses Annual Monthly

Dining $1,200.00 $100.00

Gifts $600.00 $50.00

Travel $2,250.00 $187.50

Entertainment $1,200.00 $100.00

Personal care $300.00 $25.00

Shopping $2,000.00 $166.67

Charity $600.00 $50.00

Club memberships $300.00 $25.00

Home improvements $4,800.00 $400.00

Other 1 $0.00 $0.00

Other 2 $0.00 $0.00

Total $13,250.00 $1,104.17

Page 10 of 17
SAVINGS ANNUAL
CASH FLOW
INCOME EXPENSES DISCRETIONARY

This is an annual estimation. Use this worksheet if you wish to view annual amounts with estimated monthly
values
Total cash flow to date: $88,750.00 If you wish to add daily items to the tables, estimate their annual amount/value and place value in the annual
column.

Savings Annual Monthly

Cash reserves $5,000.00 $416.67

401k etc. $12,000.00 $1,000.00

Savings/investment $6,000.00 $500.00

Other 1 $0.00 $0.00

Other 2 $0.00 $0.00

Total $23,000.00 $1,916.67

Page 11 of 17
Cash Flow
LIABILITY
OCBC Transaction Details
Account details for: SMARTSAVERS 715-253044-1
Available Balance 565.4
Ledger Balance 565.4

Transaction History

Transaction date Value date Description Withdrawals Deposits Reference

12/21/2024 12/21/2024 INSTANT TRANSFER 2,100.00
PAU CHOON SWEE LIABILITY
DESC:
REF: Monthly intres
12/20/2024 12/20/2024 INSTANT TRANSFER 50
GOBI A/L MURUGAN WORK MANAGEMENT
DESC:
REF: Buy things
12/20/2024 12/20/2024 INSTANT TRANSFER 1,000.00
CHANDRAN A/L BALAKRISHNAN LIABILITY
DESC:
REF: Chan
12/19/2024 12/19/2024 INSTANT TRANSFER 400
L & L SKYLIFT TRADING
DESC: Kulai to
REF: Jcb pindah
12/19/2024 12/19/2024 INSTANT TRANSFER 380
MOHAN MAGA TINISHA ENTERPRISE
DESC:
REF: Pindahan dana
12/19/2024 12/19/2024 INSTANT TRANSFER 60
PUSPANATHAN A/L RAMA CHILDREN
DESC: Seran
REF: Tution fee
12/19/2024 12/19/2024 INSTANT TRANSFER 400
MD SAJEDUL ISLAM SABUZ WORKER & WORK
DESC: Saomia100 MAINTENANCE

REF: Pinjam hanjala 300

12/19/2024 12/19/2024 INSTANT TRANSFER 200
MD SAJEDUL ISLAM SABUZ WORKER
DESC:
REF: Pinjam habib
12/19/2024 12/19/2024 INSTANT TRANSFER 100
MOHAMAD SYAHRIL BIN TAIB DONATION(B)
DESC:
REF: Donation
12/18/2024 12/18/2024 INB 3RD PTY TRF CA 2,900.00
OCBC Account REMYA CASH
Remya
REF:Belli barang
12/17/2024 12/17/2024 INSTANT TRANSFER 300
CHANDRAN A/L BALAKRISHNAN REMYA CASH
DESC:
REF: Buy things
12/17/2024 12/17/2024 INSTANT TRANSFER 1,500.00
CHANDRAN A/L BALAKRISHNAN BANK TRANSFER
DESC:
REF: Yvyy
12/17/2024 12/17/2024 INSTANT TRANSFER 600
MD SAJEDUL ISLAM SABUZ WORKER
DESC: Saomia mados
REF: Motor bikin
12/17/2024 12/17/2024 INB 3RD PTY TRF SA 1,707.11
OCBC Account
DESC:
REF:Insurance chantiran
12/16/2024 12/16/2024 INSTANT TRANSFER 1,500.00
TEONG CHEA KEONG LIABILITY
DESC:
REF: Refund
12/16/2024 12/16/2024 FPX PAYMENT 108.09
DUITNOW ONLINE BANK REMYA CASH
2412160952363170
20241216M0008677861OBW31833894
12/16/2024 12/16/2024 INSTANT TRANSFER 2,800.00
SELVARAJ INSURANCE
DESC: Oct n Nov 24
REF: Family insurance
12/16/2024 12/16/2024 INSTANT TRANSFER 240
ELANGOVAN A/L VELLOO CHILDREN
DESC: Yashnee n sasi
REF: Tution fee
12/16/2024 12/16/2024 INB 3RD PTY TRF CA 380
OCBC Account WORK MANAGEMENT
DESC:
REF:Buy battery
12/16/2024 12/16/2024 INSTANT TRANSFER 1,500.00
CHANDRAN A/L BALAKRISHNAN BANK TRANSFERS
DESC:
REF: Gaji
12/15/2024 12/15/2024 INSTANT TRANSFER 500
SALAM WORKER
DESC:
REF: Pinjam biplob
12/15/2024 12/15/2024 Cash Deposit CIA 9,800.00
12/15/2024 12/15/2024 Cash Deposit CIA 2,200.00 JCP SELL
12/15/2024 12/15/2024 Cash Deposit CIA 7,700.00
12/15/2024 12/15/2024 ATM Cash 2,000.00 WITHDRAWAL (CASH)
12/13/2024 12/13/2024 MEPS FUNDS TRANSFER 8,000.00
CHANDRAN A/L BALAKR INCOME
DESC: INSTANT TRANS KLK RACUN
REF: INSTANT TRANSFER
12/13/2024 12/13/2024 INSTANT TRANSFER 5,000.00
CHANDRAN A/L BALAKRISHNAN BANK TRANSFER
DESC: Workers
REF: Gaji
12/13/2024 12/13/2024 INSTANT TRANSFER 2,400.00
DAHRSHINI A/P MURALE WITHDRAWAL (CASH)
DESC:
REF: Gaji workers
12/13/2024 12/13/2024 INSTANT TRANSFER 500
LAI SOON FUEL PUMP WORK MANAGEMENT
DESC:
REF: Fill pam hilux 2,8
12/13/2024 12/13/2024 INSTANT TRANSFER 150
MD SAJEDUL ISLAM SABUZ WORKER
DESC:
REF: Gaji baki habib
12/12/2024 12/12/2024 INSTANT TRANSFER 300
CHANDRAN A/L BALAKRISHNAN WITHDRAWAL (CASH)
DESC:
REF: Gaji
12/10/2024 12/10/2024 INSTANT TRANSFER 350
CHANDRAN A/L BALAKRISHNAN UTILITY BILLS
DESC: Tmn murni
REF: Current bill
12/10/2024 12/10/2024 INSTANT TRANSFER 220
PUSAT TUISYEN REVOLUSI SURIA CHILDREN
DESC:
REF: Tution fee seran
12/10/2024 12/10/2024 INSTANT TRANSFER 200
MOHAMAD SAHRIL BIN J DONATION(B)
DESC:
REF: Kerani kelesa
12/10/2024 12/10/2024 INSTANT TRANSFER 550
CHONG CHENG FOD SEWA
DESC:
REF: Sewa ayam tempat
12/9/2024 12/9/2024 INSTANT TRANSFER 5,000.00
CHANDRAN A/L BALAKRISHNAN WITHDRAWAL (CASH)
DESC:
REF: Gaji
12/9/2024 12/9/2024 INSTANT TRANSFER 100
KAMALA DEVI A/P TANG CHILDREN
DESC: Sasi n yashnee
REF: Transport
12/8/2024 12/8/2024 MEPS FUNDS TRANSFER 5,000.00
CHANDRAN A/L BALAKR KLK RACUN
DESC: INSTANT TRANS
REF: INSTANT TRANSFER
12/8/2024 12/8/2024 INSTANT TRANSFER 2,000.00
CHANDRAN A/L BALAKRISHNAN BANK TRANSFER
DESC:
REF: Cheque tractor
12/8/2024 12/8/2024 SA MYDEBIT PURCHASE 34.9 FAMILY
12/8/2024 12/8/2024 INSTANT TRANSFER 750
SIVAN A/L MUTHAPPAH WORKER
DESC: Bikin jcb
REF: Gaji
12/8/2024 12/8/2024 INSTANT TRANSFER 200
CHANDRAN A/L BALAKRISHNAN WORK MANAGEMENT
DESC:
REF: Buy things
12/7/2024 12/7/2024 INSTANT TRANSFER 3,000.00
LIOW KIM WAN LIABILITY
DESC:
REF: Refund
12/7/2024 12/7/2024 INSTANT TRANSFER 55
SAKTIVEL A/L SUBRAMA WORKER
DESC:
REF: Gaji
12/7/2024 12/7/2024 INSTANT TRANSFER 90
HAW HENG HUAT ENTERPRISE WORKER
DESC:
REF: Saomia pinjam
12/7/2024 12/7/2024 INSTANT TRANSFER 350
MOHD RUMAIZI BIN MD WORK MANAGEMENT
DESC: 6775
REF: Jcb no plate
12/7/2024 12/7/2024 INSTANT TRANSFER 2,000.00
SELUARAJA RAMASAMY LIABILITY
DESC:
REF: Refund
12/7/2024 12/7/2024 MEPS FUNDS TRANSFER 5,000.00
CHANDRAN A/L BALAKR KLK RACUN
DESC: INSTANT TRANS
REF: INSTANT TRANSFER
12/6/2024 12/6/2024 SA MYDEBIT PURCHASE 2 FAMILY
12/6/2024 12/6/2024 INSTANT TRANSFER 1,000.00
CHANDRAN A/L BALAKRISHNAN BANK TRANSFER
 DESC:
REF: Ubuu
12/5/2024 12/5/2024 INSTANT TRANSFER 1,540.00
YAP MOU KOON WORK MANAGEMENT
DESC: Jcb kulai
REF: Bikin tyre
12/5/2024 12/5/2024 SA MYDEBIT PURCHASE 43 FAMILY
12/5/2024 12/5/2024 SA MYDEBIT PURCHASE 13.85 FAMILY
12/4/2024 12/4/2024 INSTANT TRANSFER 301
SRIRAMU A/L D RAJAGO DONATION(P)
DESC:
REF: Koil
12/3/2024 12/3/2024 INSTANT TRANSFER 3,000.00
CHANDRAN A/L BALAKRISHNAN BANK TRANSFER
DESC:
REF: Nbhb
12/3/2024 12/3/2024 INSTANT TRANSFER 250
CHANDRAN A/L BALAKRISHNAN WORK MANAGEMENT
DESC:
REF: Buy things
12/3/2024 12/3/2024 INSTANT TRANSFER 1,000.00
KANNAN A/L BALAKRISHNAN LIABILITY
DESC:
REF: Refund
12/3/2024 12/3/2024 INSTANT TRANSFER 300
MD SAJEDUL ISLAM SABUZ WORKER & WORK
MANAGEMENT
DESC: Diesel 100
REF: Pinjam 200
12/2/2024 12/2/2024 INSTANT TRANSFER 15,000.00
CHANDRAN A/L BALAKRISHNAN JCP (SELL)
DESC:
REF: Byby
12/2/2024 12/2/2024 MEPS Wdrl (M'sia) 1,500.00 PERSONAL
12/2/2024 12/2/2024 MEPS SC 1 PERSONAL
MayBank Transaction Details

Transaction date Description Debit Credit Ref.

18-Dec-24 TRANSFER TRANSFER RM8,700.00

10-Dec-24 CHEQUE PROCESSING FEE RM0.50

10-Dec-24 TENAGA NASIONAL RM300.00

BER*220656926810
10-Dec-24 Tmn murni CHANDRAN A/L RM350.00
BALAKR*Current bill

10-Dec-24 82365327K55616 RANHILL RM50.00

SAJ SDN.
BH*82365327K55616
9-Dec-24 TM TECHNOLOGY RM70.00
SERVI*1069283966
9-Dec-24 DEBIT HOUSE CHEQUE RM3,000.00
069101
8-Dec-24 MBB CT- CHANDRAN A/L RM2,000.00
BALAKR*Cheque tractor

7-Dec-24 MBB CT CHANDRAN A/L RM500.00

BALAKR*Pinjam workers

7-Dec-24 MBB CT SATHIAN A/L RM15,766.85

ALAGADO*Payment
6-Dec-24 Kelesa MUHAMMAD RM100.00
NASIRUDDIN*Donation

6-Dec-24 MBB CT CHANDRAN A/L RM100.00

BALAKR*Vyb
5-Dec-24 IBG Transaction SD GUTHRIE RM16,972.75
BERHAD V5011600059249

5-Dec-24 MBB CT CHANDRAN A/L RM100.00

BALAKR*Hih
5-Dec-24 MBB CT CHANDRAN A/L RM150.00
BALAKR*Vhj
2-Dec-24 MBB CT CHANDRAN A/L RM15,000.00
BALAKR*Byby
2-Dec-24 MBB CT SATHIAN A/L RM4,065.00
ALAGADO*Payment
2-Dec-24 L0035 LIAN YIK TRADING RM20,000.00
SD*LOW SER HOCK