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Money in the Bank. Will you have enough for…………………?
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An up to date cash flow forecast will help show you where in the future your business may not have enough money in the bank to pay the bills.

It's always about #whatsnext

This allows you to plan in advance to better manage cash flows or arrange finance. A cash flow forecast is one of the most important indicators of whether your business will survive the months ahead. We've included a graph on the last tab so you can see how the bank balance changes week to week.
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To help get you started…
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1.The Cash Flow forecast is a 12 week model and is intended to be updated weekly - it's not set and forget but a living document to help you plan when cash is coming in and going out. Your business changes week to week so your planning should reflect this to identify any issues sooner.
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2.If you have an overdraft facility, enter the limit amount below (as a positive figure):
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$0
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3.Enter your Opening Bank Balance in the highlighted cell on the Forecast sheet.
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4.Amounts are to be entered GST inclusive.
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5.Cash Inflows (Deposits)
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Think about the cash you exect to be deposited in to your account over the coming weeks, this could be from cash sales or debtor receipts (accounts receivable ie customers you have previously invoiced paying you) and include this in the forecast in the week you expect to receive it. Look back to prior weeks / months to get an idea of any regular deposits. Remember, not all debtors (customers invoices to be paid) will pay on time.
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6.Cash Outflows (Payments)
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When planning when cash will go out of the bank think about:
- When do you pay your suppliers, are they all paid on the 20th?
- Make a list of recurring payments - automatic payments like rent, insurance, fees, etc
- Don’t forget loan and credit card payments
- Do you take regular drawings
- Last but not least IRD payments - PAYE, GST, Provisional Tax etc. If you don't know the dates get in touch and we can provide you a calendar
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7.Transfers between Bank Accounts
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The Cash Flow Forecast can be used for either an individual account or all your bank accounts combined. If you are using it for an individual bank account don’t forget to include transfers between accounts to get an accurate forecast of where your main bank account balance will be.
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