Uploaded by faylorne

monthly-cash-flow-plan

advertisement
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 specific 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
–
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
ng
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
Housing
Transportation
Medical
Charity
Recreation
ion
Insurance
Debt
Envelope
Utilities
Envelope
Tithes
Savings
Clothing
Spent
Charity
Personal
Insurance
Debt
Reality Check
Envelope
Recreation
Savings
Clothing
Utilities
Spent
Envelope
Emergency Fund
Reality Check
Budgeted
Housing
Recreation
Savings
Debt
Envelope
Clothing
Utilities
Envelope
Charity
Personal
Insurance
Debt
Clothing
Utilities
CLOTHING
Medical
Recreation
Savings
Charity
Personal
Insurance
Debt
Envelope
Medical
Recreation
Savings
Clothing
Utilities
Envelope
Spent
Spent
Envelope
First Mortgage/Rent
*2–7%
Food
Housing
Transportation
Medical
TRANSPORTATION
Charity
Personal
Insurance
Gas & Oil
Recreation
Savings
Clothing
Debt
Envelope
Utilities
Envelope
License & Taxes
Repairs/Maint.
Car Replacement
Association Dues
Other _________________
Debt
Envelope
Clothing
Utilities
Envelope
UTILITIES
TOTAL
Budgeted
Electricity
Transportation
Charity
Personal
Insurance
Debt
TOTAL
Budgeted
Medical
Recreation
Savings
Clothing
Utilities
TOTAL
Envelope
MEDICAL/HEALTH
Housing
Reality Check
Envelope
Spent
Budgeted
Medications
Gas
Doctor Bills
Water
Dentist
Trash
Optometrist
Phone/Mobile
Vitamins
Internet
Other _________________
Cable
Other _________________
*5–10%
Spent
*10–15%
Food
Spent
Budgeted
Repairs & Tires
Reality Check
Real Estate Taxes
Insurance
TOTAL
Adults
TOTAL
Budgeted
Budgeted
Envelope
Cleaning/Laundry
Transportation
Spent
opes
Restaurants
College Fund
*25–35%
Savings
Groceries
Medical
Insurance
Children
Second Mortgage
Personal
Personal
Retirement Fund
HOUSING
Housing
Charity
*5–15%
Transportation
Reality Check
*10–15%
Food
FOOD
Transportation
TOTAL
Food
SAVING
Medical
Food
Housing
*10–15%
Transportation
Budgeted
Charity & Offerings
Reality Check
Check
ty
CHARITY
Personal
These icons represent good options for cash envel
TOTAL
*5–10%
TOTAL
*Dave’s Recommended Percentages
Sign in to FPU Central at daveramsey.com to download this form and explore our other online budgeting tools!
Food
Food
Housing
Transportation
Medical
Charity
Recreation
Personal
Savings
Insurance
Clothing
INSURANCE
Debt
Envelope
Spent
Budgeted
Life Insurance
Utilities
Envelope
Transportation
Charity
Insurance
Debt
Envelope
RECREATION
Housing
Medical
Recreation
Savings
Clothing
Utilities
Spent
Envelope
Vacation
Homeowner/Renter
*5–10%
Auto Insurance
DEBTS
Disability Insurance
Identity Theft
Food
Housing
Reality Check
Medical
Charity
Recreation
Personal
Savings
PERSONAL
Insurance
Debt
Envelope
Transportation
Charity
Personal
Insurance
Debt
Envelope
TOTAL
Housing
Medical
Recreation
Savings
Credit Card 1 _______
Clothing
Utilities
Envelope
Credit Card 2 _______
Spent
Budgeted
Reality Check
Credit Card 3 _______
Child Care/Sitter
Credit Card 4 _______
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 _________________
Clothing
Utilities
Budgeted
Car Payment 2
*10–25%
Transportation
Spent
TOTAL
Car Payment 1
Long-Term Care
Food
Budgeted
Entertainment
Reality Check
Health Insurance
ality Check
Personal
Envelope
Pocket Money (His)
Your goal is O%
Pocket Money (Hers)
*5–10%
TOTAL
Once you have completed filling out each category,
subtract all category totals from your take-home pay.
Baby Supplies
Pet Supplies
Use the “income sources”
form if necessary
Music/Technology
Miscellaneous
Add up totals
from each category
Other _________________
Other _________________
*5–10%
TOTAL
Remember —
The goal of a zero- based
budget is to get this
number to zero
TAKE-HOME PAY
–
CATEGORY TOTALS
=
ZERO BALANCE
Sign in to FPU Central at daveramsey.com to download this form and explore our other online budgeting tools!
Download