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FIND YOUR FINANCIAL BLUE DOT
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This is your starting point for building sovereign wealth — a clear, simple view of where you are today,
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so you can move forward with intention.
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You don’t need perfection here, just honesty and a willingness to see things as they are.
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MONTHLY CASH FLOW STATEMENT
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This is your financial “blue dot” — a snapshot of your current position. Capture what you own, what you owe,
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and what flows in and out each month. Awareness is the first step towards change.
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Date completed:
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Tip: Use your last 3 months of bank statements for accurate averages
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MONTHLY INCOMEValue £
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Employment
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Salary / wages (after tax)
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Bonus (monthly average)
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Freelance / consultancy income
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Property Income
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Rental income — Property 1
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Rental income — Property 2
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Rental income — Property 3
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Investment Income
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Dividends
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Interest on savings
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Other investment income
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Other Income
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Pension income
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Business drawings / dividends
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Benefits / tax credits
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Child maintenance received
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Side hustle / other income
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TOTAL MONTHLY INCOME0
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MONTHLY OUTGOINGSValue £
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Home and Housing
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Mortgage / rent
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Council tax
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Buildings and contents insurance
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Gas / electricity
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Water
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Internet / phone line
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Insurance
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Home maintenance (average)
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Property Costs (if landlord)
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Mortgage — rental property 1
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Mortgage — rental property 2
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Letting agent fees
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Council tax
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Buildings and contents insurance
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Gas / electricity
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Water
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Internet / phone line
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Insurance — rental properties
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Home maintenance (average)
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Transport
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Car payment / finance
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Car insurance
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Fuel / charging
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MOT / servicing (monthly average)
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Parking / tolls
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Public transport / taxis
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Living Expenses
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Groceries
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Eating out / takeaways / coffee
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Clothing
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Health and beauty
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Healthcare / dental / prescriptions
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Gym / fitness
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Other expenses
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Family
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Childcare / school fees
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Children's activities / clubs
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Child maintenance paid
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Birthdays, Christmas, pocket money
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Pet costs
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Debt Repayments
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Credit card minimum payments
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Personal loan repayments
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Student loan repayments
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Other debt repayments
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Savings and Investments
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Pension contributions (if not via salary)
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ISA contributions
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Other savings / investments