Managing debt and maintaining your lifestyle over the long term is challenging. Without a reasonable budgeting plan, it is difficult to effectively manage spending. This Cash Flow Analysis form can help you compare your income to your expenses to determine your net cash flow.
Monthly Income:
According to the 2013 Consumer Financial Literacy Report, over half of Americans said they didn't have a budget.
Monthly Expenses:
According to the Bureau of Labor Statistics, a $10 medical expenditure in 1982-84 (the reference date) would cost about $400 today.
Monthly Expenses:
$301,970 is the estimated cost for a middle-income family to raise a child born in 2012 through age 17 according to the U.S. Department of Agriculture.
Monthly Expenses:
According to the Federal Reserve Board, the average American household has about $7,023 of credit-card debt.
Monthly Expenses:
According to the Tax Foundation, the average person worked from January 1 to mid-April to pay all federal, state, and local taxes.
Getting your cash flow under control is the first step toward effective financial management. Are you comfortable with your current cash flow? If not, you may need to take immediate action to control your spending.
Your Results
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Your total income is:
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$0
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Your total expenses are:
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$0
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Your cash flow is:
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$0
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Your net cash flow is the amount of money left after paying all your bills. The
chart below shows how much cash you have left at the end of each month after meeting
your expenses, based on the amounts you entered. How much of your net cash flow
are you currently investing for the future?
Your Monthly Cash Flow
