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Monthly Cash Flow Plan
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INSTRUCTIONS FOR USING THIS FORM
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 Step 1
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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.
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A
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Monthly Take Home Pay
$ -
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 Step 2 B
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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. FOOD Budgeted Actual Spent
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 Groceries $ - $ -
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 Restaurants $ - $ -
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 $ - $ -
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As you fill in the Budgeted columns, you will notice the calculations change at the bottom of the form. Remember, your goal is to spend every dollar on paper, so there should be no amount left in the Remaining to Budget column (C).
INCOME (LEFT TO BUDGET)
$ -
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AMOUNT BUDGETED
$ -
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REMAINING TO BUDGET
$ -
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C
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 Step 3 D
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When the month ends, put what you actually spent in the Actual Spent column (D). That will help you make any necessary adjustments to the next month's budget. FOOD Budgeted Actual Spent
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 Groceries $ - $ -
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 Restaurants $ - $ -
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 $ - $ -
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The envelope icon is used for those categories that we recommend you use the cash-based envelope system. More details will be covered in your session.
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