Cash Flow Adjustment Worksheet
| 2008 12 30
Cash Flow Adjustment Worksheet
Here is a worksheet you can use to explore ways to adjust your spending patterns and the
way you live. First, fill in your expenses in columns A and B from the Monthly Expense
In this worksheet, for any expense category, enter amounts where you think you can
reduce your spending in column C. Don’t worry, make your best guess-- it’s only an
estimate and doesn’t have to be precise. You can increase spending for more important
things in your life in column D.
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Expense Category
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Expense Item
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A
Current Fixed Expenses
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B
Current flexible Expenses
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C
Anticipated Spending Cuts
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D
Anticipated Spending Increases
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SAMPLE
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Entertainment
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Restaurant
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$200
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$75
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Home
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Rent
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$1000
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$25
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Home
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Water/Sewer
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$50
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Housing
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0
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0
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Rent or Mortgage
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Maintenance or Condo Fee
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Lawn and Gardening
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House Cleaning
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Utilities
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Electric
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Gas or Oil
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Water/Sewer
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Trash Collection
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Telephone
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Internet Account
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Food
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Groceries (average)
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Restaurant
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Snacks (coffee, etc.)
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Entertaining (food and beverage
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Transportation
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Car payment or lease
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Gasoline
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Car repair or maintenance
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Bus, subway
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Medical
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Health insurance
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Prescriptions
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Out of pocket medical
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Fitness
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Appearance
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Clothing purchases
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Dry cleaning
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Hair care
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Shoe repair
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Entertainment
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Movies
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Video rental
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Cable service
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Sports fees/tickets
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Theater, concerts
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Savings
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Retirement contributions
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Savings contributions
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Emergency Fund contributions
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Debt
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Credit card payment
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Other debt
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Other
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If self-employed, business expenses
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Total Anticipated
Spending Cuts
[Add all figures
in Column C]
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Total Anticipated
Spending
Increases
[Add all figures
in Column D]
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preview