Monthly Cash Flow Plan

Cash flows in and out each month. Make sure you tell it where to go!

Yes, this budget form has a lot of lines and blanks.

But thats okay. We do that so we can list practically every expense imaginable on this form to
prevent you from forgetting something. Dont expect to put something on every line. Just use the
ones that are relevant to your specific situation.

Step 1
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. So far so good, huh?

A
Monthly Take-Home Pay

Step 2
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. Add up each
subcategory and put that number in the
Total box (C).
Also, pay attention to Daves recommended
percentages (D). This will help you keep from
budgeting too much for a category.

Food

B
Housing

C
D

Reality Check

FOOD

Transportation

Charity

Personal

Groceries

Medical

Recreation

Savings

Insurance

Debt

Envelope

Clothing

Utilities

Envelope

Spent

Budgeted

Restaurants

Step 3
Finally, enter your take-home pay in the top
box at the end of the page (E), then add up all
categories and place that total in the Category
Totals box (F). Then subtract your Category
Totals amount from your Take-Home Pay. You
should have a zero balance (G). Doesnt that
feel great?

TAKE-HOME PAY

E
F

CATEGORY TOTALS

ZERO BALANCE

Step 4
When the month ends, put what you actually
spent in the Spent column (H). That will help you
make any necessary adjustments to the next
months budget.

Food

H
Housing

Reality Check

FOOD

Transportation

Charity

Personal

Groceries

Medical

Recreation

Savings

Insurance

Debt

Envelope

Clothing

Utilities

Envelope

Restaurants

Spent

Budgeted

ng

Monthly Cash Flow Plan

Cash flows in and out each month. Make sure you tell it where to go!

Monthly Take-Home Pay

Add up budgeted column
& enter here
Food

Housing

Transportation

Medical

Charity

Recreation

ion

Insurance

Debt

Envelope

Utilities

Envelope

Tithes

Savings

Clothing

Spent

Charity

Personal

Insurance

Debt

Reality Check

Envelope

Recreation

Savings

Clothing

Utilities

Spent

Envelope

Emergency Fund

Reality Check

Budgeted
Housing

Recreation

Savings

Debt

Envelope

Clothing

Utilities

Envelope

Charity

Personal

Insurance

Debt

Clothing

Utilities

CLOTHING
Medical

Recreation

Savings

Charity

Personal

Insurance

Debt

Envelope

Medical

Recreation

Savings

Clothing

Utilities

Envelope

Spent

Spent

Envelope

First Mortgage/Rent

*27%

Food

Housing

Transportation

Medical

TRANSPORTATION
Charity

Personal

Insurance

Gas & Oil

Recreation

Savings

Clothing

Debt

Envelope

Utilities

Envelope

License & Taxes

Repairs/Maint.

Car Replacement

Association Dues

Other _________________

Debt

Envelope

Clothing

Utilities

Envelope

UTILITIES

TOTAL
Budgeted

Electricity

Transportation

Charity

Personal

Insurance

Debt

TOTAL
Budgeted

Medical

Recreation

Savings

Clothing

Utilities

TOTAL

Envelope

MEDICAL/HEALTH
Housing

Reality Check

Envelope

Spent

Budgeted

Medications

Gas

Doctor Bills

Water

Dentist

Trash

Optometrist

Phone/Mobile

Vitamins

Internet

Other _________________

Cable

Other _________________
*510%

Spent

*1015%
Food

Spent

Budgeted

Repairs & Tires

Reality Check

Real Estate Taxes

Insurance

TOTAL

Adults

TOTAL
Budgeted

Budgeted

Envelope

Cleaning/Laundry

Transportation

Spent

opes

Restaurants

College Fund

*2535%

Savings

Groceries

Medical

Insurance

Children

Second Mortgage

Personal

Personal

Retirement Fund

HOUSING
Housing

Charity

*515%
Transportation

Reality Check

*1015%
Food

FOOD

Transportation

TOTAL
Food

SAVING
Medical

Food

Housing

*1015%
Transportation

Budgeted

Charity & Offerings

Reality Check

Check

ty

CHARITY

Personal

These icons represent good options for cash envel

TOTAL

*510%

TOTAL

*Daves Recommended Percentages

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Food

Food

Housing

Transportation

Medical

Charity

Recreation

Personal

Savings

Insurance

Clothing

INSURANCE
Debt

Envelope

Spent

Budgeted

Life Insurance

Utilities

Envelope

Transportation

Charity

Insurance

Debt

Envelope

RECREATION
Housing

Medical

Recreation

Savings

Clothing

Utilities

Spent

Envelope

Vacation

Homeowner/Renter

*510%

Auto Insurance

DEBTS

Disability Insurance
Identity Theft
Food

Housing

Reality Check

Medical

Charity

Recreation

Personal

Savings

PERSONAL

Insurance

Debt

Envelope

Transportation

Charity

Personal

Insurance

Debt

Envelope

TOTAL

Housing

Medical

Recreation

Savings

Credit Card 1 _______

Clothing

Utilities

Envelope

Credit Card 2 _______

Spent

Budgeted

Reality Check

Credit Card 3 _______

Child Care/Sitter

Credit Card 4 _______

Toiletries

Credit Card 5 _______

Cosmetics/Hair Care

Student Loan 1

Education/Tuition

Student Loan 2

Books/Supplies

Student Loan 3

Child Support

Student Loan 4

Alimony

Other _________________

Subscriptions

Other _________________

Organization Dues

Other _________________

Gifts (inc. Christmas)

Other _________________

Replace Furniture

Other _________________

Clothing

Utilities

Budgeted

Car Payment 2
*1025%

Transportation

Spent

TOTAL

Car Payment 1

Long-Term Care

Food

Budgeted

Entertainment

Reality Check

Health Insurance

ality Check

Personal

Envelope

Pocket Money (His)

Your goal is O%

Pocket Money (Hers)

*510%

TOTAL

Once you have completed filling out each category,

subtract all category totals from your take-home pay.

Baby Supplies
Pet Supplies

Use the income sources

form if necessary

Music/Technology
Miscellaneous

Add up totals
from each category

Other _________________
Other _________________
*510%

TOTAL

Remember
The goal of a zero- based
budget is to get this
number to zero

TAKE-HOME PAY

CATEGORY TOTALS

ZERO BALANCE

Sign in to FPU Central at daveramsey.com to download this form and explore our other online budgeting tools!