Cashflow Worksheet

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					       CASH FLOW PROJECTION                                                                                                                                YEAR       ____________
                                      START-UP         JAN       FEB       MAR       APR       MAY       JUN       JUL       AUG       SEP       OCT        NOV        DEC            TOTAL

OPERATING DATA
     Quantity of product sold                                                                                                                                                                 0
     Average price of product                                                                                                                                                                 0

REVENUE
     Sale of goods/services                                                                                                                                                                   0
     Collection of Accounts                                                                                                                                                                   0
     Other Revenue sources                                                                                                                                                                    0
     Loans / other cash injected                                                                                                                                                              0

TOTAL REVENUE                                      0         0         0         0         0         0         0         0         0         0         0          0          0                0

COST OF SALES
     Merchandise Cost                                                                                                                                                                         0
     Receiving cost                                                                                                                                                                           0
     Production and Packaging cost                                                                                                                                                            0
     Sales and Commission cost                                                                                                                                                                0
     Distribution and Shipping cost                                                                                                                                                           0

TOTAL COST OF SALES                                0         0         0         0         0         0         0         0         0         0         0          0          0                0

EXPENSES PAID OUT
     Salary and Wages                                                                                                                                                                         0
     Payroll Taxes                                                                                                                                                                            0
     Accounting / Legal                                                                                                                                                                       0
     Advertising                                                                                                                                                                              0
     Automobiles and Travel                                                                                                                                                                   0
     Insurances                                                                                                                                                                               0
     Loan interest                                                                                                                                                                            0
     Outside Services                                                                                                                                                                         0
     Postage and Printing                                                                                                                                                                     0
     Rent / Lease Expense                                                                                                                                                                     0
     Real Estate Taxes                                                                                                                                                                        0
     Facility Utilities                                                                                                                                                                       0
     Repairs / Maint.                                                                                                                                                                         0
     Telephone / Fax / pagers                                                                                                                                                                 0
     Supplies - office                                                                                                                                                                        0
     Software                                                                                                                                                                                 0
     Memberships                                                                                                                                                                              0
     Subscriptions                                                                                                                                                                            0
     Training                                                                                                                                                                                 0
     Purchases -other                                                                                                                                                                         0
     Capital purchases - Other                                                                                                                                                                0
     Other                                                                                                                                                                                    0
     Sales Taxes                                                                                                                                                                              0
     Loan Principal repayment                                                                                                                                                                 0

      TOTAL EXPENSES                               0         0         0         0         0         0         0         0         0         0         0          0          0                0


      NET INCOME                                   0         0         0         0         0         0         0         0         0         0         0          0          0                0
Accumulated Profits / Loss                         0         0         0         0         0         0         0         0         0         0         0          0          0                0

LIVING EXPENSES REQUIRED              (Optional)
      Income Taxes                                                                                                                                                                            0
      Health Insurance                                                                                                                                                                        0
      Other needs                                                                                                                                                                             0
      Income Needed                                0         0         0         0         0         0         0         0         0         0         0          0          0                0
                                                                                                                                                                                 RAL 1999
       CASH FLOW FORECAST DEFINITIONS
                                      All figures on the Cashflow Forecast are estimated dollars based upon raw data, simple calculations or pure guesses. Round all figures to nearest 100$. Add additional items to fit
                                      your particular business categories, for instance - add separate Cash Revenue lines for each product or service line you sell.
OPERATING DATA
     Quantity of product sold         Number of customer sales, items sold or services rendered
     Average price of product         Average sales ticket or typical cost of service

REVENUE
     Sale of goods/services           Cash received from sales of products or services. Only list cash received this period. Calculate by Qty times Avg Price
     Collection of Accounts           Delayed amounts earned in earlier period, but received this period from credit accounts, invoices and credit card payments
     Other Revenue sources            Cash received for sales of other assets, agreements , commissions etc
     Loans / other cash injected      Cash injected from all other sources such as loans, interest on bank accounts, owners insertion, tax refunds etc.

TOTAL REVENUE                         Add all revenue sources

COST OF SALES                         These cost vary based upon sales volumes
     Merchandise Cost
     Receiving cost
     Production and Packaging cost
     Sales and Commission cost        Cost you incur to make the sale and pay to others
     Distribution and Shipping cost   Cost you pay for shipping or delivering products / services to customer

TOTAL COST OF SALES                   Add all variable sales costs

EXPENSES PAID OUT
     Salary and Wages                 Amount of base pay plus overtime
     Payroll Taxes                    Includes Fed & State Tax, Soc Sec tax, Medicare, paid vacations, sick leaves health care insurance, unemployment insurance etc
     Accounting / Legal               Fees paid to attorneys, accountants, auditors etc
     Advertising                      Fees paid marketing firms, radio or TV media, yellow pages, newspapers, printers, internet sites or any costs to promote your business.
     Automobiles and Travel           If using personal car put parking, if rental put costs, if company car put all purchase payments and maintenance costs.
     Insurances                       Cost of insurance on business property, fire, theft, liability, executive or key employee and revenue interruption
     Loan interest                    Interest paid on any outstanding loans.
     Outside Services                 Any labor or materials cost paid to independent contractors or other businesses for services.
     Postage and Printing             Cost of mailings (not associated with product distribution or marketing) plus costs of internal catalogs or printed materials
     Rent / Lease Expense             Cost of facilities
     Real Estate Taxes                Cost of property taxes on Owned properties
     Facility Utilities               Coat of water, heat, air conditioning or power
     Repairs / Maint./ Decorating
     Telephone / Fax / pagers         Including internet hosting or email access charges.
     Supplies - office                Any supplies used to operate an office
     Software                         Costs of computer software purchased or leased during this period
     Memberships                      Payments to associations such as Chamber of Commerce, Industry organizations or clubs
     Subscriptions                    Payments for magazines, books or services such as online database access
     Training                         Any cost you incur for classes, materials or instructors to train yourself or your employees.
     Purchases -other                 Cost of any equipment, furniture or computers that will be treated as an expenditure
     Capital purchases - Other        Non -expensed (depreciable) expenses for equipment, vehicles, buildings or leaseholder improvements
     Other
     Sales Taxes                      Estimate the amount of sales tax you will owe
     Loan Principal repayment         Amount of loan to be repaid during this period.

      TOTAL EXPENSES                  Add all expenses


      NET INCOME                      Subtract Total Cost of Sales and Total Expenses from Total Revenue == Monthly Profit or Loss
      Accumulated Profits / Loss      Add profit or loss left over from previous month to amount of profit or loss from this month.

LIVING EXPENSES REQUIRED              Optional section to check impact on life style
      Income Taxes                    Estimate amount of income tax you will have to pay, based upon quarterly payments or estimated annual income
      Health Insurance                Amount you will need for family or personal health insurance
      Other needs                     other income needs
      Income Needed                   Add required living expenses then compare to Monthly Profit or Loss to check for impact of your forecast.

				
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