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Financial Answer Center

Building a Savings Plan

Future Cash Flow

Now construct a future cash flow or a spending plan. Print out the following worksheet and fill it in. Think bare bones. What is the absolute minimum it would take to feed and house your family?

Monthly Cash Flow




Federal & State Taxes


Mortgage or rent


Home repair/maintenance


Property taxes


Life/disability insurance


Home/renter's insurance


Auto insurance


Credit card/loan payment


Utilities & telephone


Food (include eating out)








Auto repair/maintenance


Other transportation


Medical care




Child Care


Alimony/child support






Gifts/charitable contributions.


Laundry/dry cleaning








(a)Total Expenses


(b) Income


(c) Cash Balance (b) – (a)



It takes a lot of time to put a plan together, but if you do it well and thoroughly, you'll have something to aim for. It may not work out exactly as you've planned but a plan will give you a way to measure your progress.

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