The cash-flow budget is divided into 24 columns, two for each month of the year. The first column for each month is the planned spending for that period; the second is for what actually went out the door. Why so many columns? Well, when you’re living so close to the financial line, you need to account for every penny. And since student spending typically varies by month, so should the plan.
The cash-flow budget is divided into 24 columns, two for each month of the year. The first column for each month is the planned spending for that period; the second is for what actually went out the door. Why so many columns? Well, when you’re living so close to the financial line, you need to account for every penny. And since student spending typically varies by month, so should the plan.
The cash-flow budget is divided into 24 columns, two for each month of the year. The first column for each month is the planned spending for that period; the second is for what actually went out the door. Why so many columns? Well, when you’re living so close to the financial line, you need to account for every penny. And since student spending typically varies by month, so should the plan.
The cash-flow budget is divided into 24 columns, two for each month of the year. The first column for each month is the planned spending for that period; the second is for what actually went out the door. Why so many columns? Well, when you’re living so close to the financial line, you need to account for every penny. And since student spending typically varies by month, so should the plan.
Planned Net Income (Total) Income from Work Income from Lump-Sum Sources Other Income IRREGULAR EXPENSES Books/Supplies Gifts Travel Medical/Dental Insurance MONTHLY EXPENSES Housing Utilities: Electricity Utilities: Heat Laundry Cable/Telephone/Internet Cellphone Food Personal Care Car Payments Car Maintenance Transportation: Gas Transportation: Bus/Taxi Transportation: Parking Clothes Entertainment Interests/Hobbies/Sports Bank Fees Taxes Debt Repayment Emergency Fund TOTAL Income Expenses $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 August $0.00 Planned $0.00 September $0.00 Planned $0.00