Personal Cash Flow Statement
This instructional aid was prepared by the Tallahassee Community College Learning Commons.
Building Your Own Financi al Plan
Goals
1. Determine how to increase net cash flows in the near future.
2. Determine how to increase net cash flows in the distant future.
Analysis
1. Prepare your personal cash flow statement.
Personal Cash Flow Statement
Cash Infl o ws This Month
Disposable (after-tax) income $
Interest on deposits $
Dividend payments $
Other $
Total Cash Inflows $
Cash Outflows
Rent/Mortgage $
Cable TV $
Electricity and water $
Telephone $
Groceries $
Health care insurance and expenses $
Clothing $
Car expenses (insurance, maintenance, and gas) $
Recreation $
Other $
Total Cash Outflows $
Net Cash Flows (Total Cash Inflows minus Total Cash Outflows)
Note: You must build a positive cash flow. Your income should exceed your expenses and if not
you must find a way to reduce expenses.
2. Prepare your personal balance sheet.
Personal Balance Sheet
Assets
Liqui d Assets
Cash $
Checking account $
Savings account $
Other liquid assets $
Total liquid assets $
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