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Twelve month cashflow example_cash out

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					Cash Flow (12 months)                                                                                                        Fiscal Year Begins:         Jan-09

                                 Pre-Startup Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09           Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09              Annual

Cash on Hand (beginning of
                                        500    550    380     210      -260     1,570      910     790       670      550     430     310         190
month)
                                                 My money
CASH RECEIPTS
                                                                                 first                   Notes on Preparation
Cash Sales                                0      0      0       0      2,000     harvest
                                                                                    0                                                                      2,000
Collections fm CR accounts                0
                                                                                                       Line-by-line ask yourself when you                        0
                                               Mom's loan                                              should expect cash to come and go.
Loan/ other cash injection            1,000                                                            You can add or substitute line                            0
                                                                                                       descriptions as you wish to more
TOTAL CASH RECEIPTS                   1,000      0      0       0      2,000         0       0       0        0       0       0        0       0           2,000
                                                                                                       clearly describe your operations and
Total Cash Available (before
                                      1,500    550    380     210      1,740    1,570      910     790 how 670 wish to project and track the 190
                                                                                                            you     550     430      310
cash out)                                                                                              cash in and out.

CASH PAID OUT                                                                                            For example, instead of just Cash
Purchases (seed)                        100                                       100                    Sales, i may wish to have Cash                     100
                                                                                                         Sales (tomatoes) and Cash Sales
Purchases (small tools)                 250                                                              (cucumbers).                                            0
Purchases (fertilizer)                  300                                       300                                                                       300
                                                                                                         For Cash Receipts (revenue/sales),
Gross wages (exact withdrawal)                                                                           you must predict when you will                          0
                                                                                                         actually collect from customers. On
Payroll expenses (taxes, etc.)                                                                                                                                   0
                                                                                                         the Cash Paid Out (expenses) side,
Outside services                                                                                         predict when you will actually have to                  0
                                                                                                         write the check to pay the bills.
Supplies (office & oper.)                50                                                                                                                      0

Repairs & maintenance                                                                                  Just try to make the Cash Flow as                         0
                                                                         for april                     realistic as you can line by line. The
Advertising                                                   300        harvest                       payoff for you will be an ability to                 300
Car, delivery & travel                          60      60      60       60          60     60      60 manage and forecast working capital 60
                                                                                                             60       60       60       60                  720
                                               business startup                                        needs. Change the category labels in
Accounting & legal                      250    filing and docs                                         the left column as needed to fit your                     0
Rent                                                                                                   accounting system.                                        0
Telephone                                                                                              The "Pre-Startup" column is for cash                      0
                                                                                                       outlays prior to the time covered by
Utilities                                       60     60      60        60          60     60      60       60       60       60      60   60              720
                                                                                                       the Cash Flow. It is intended
Insurance                                                                                              primarily for new business startups                       0
                                                                                                       or major expansion projects where a
Taxes (real estate, etc.)                                                            90                                                                      90
                                                                                                       great deal of cash must go out
Interest                                                                                               before operations commence.                               0
Other expenses (specify)                                                                               The Cash Flow Projection is the best                      0
Other (specify)                                                                                        way to forecast working capital                           0
                                                                                                       needs. Begin with the amount of
Other (specify)                                                                                        Cash on Hand you expect to have.                          0
Miscellaneous                                                                                          Project all the Receipts and Paid                         0
                                                                                                       Outs for the year. If CASH
SUBTOTAL                                950    120    120     420       120       610      120              120      120      120     120
                                                                                                   120 POSITION gets dangerously low or 120                2,230
Loan principal payment                          50     50      50        50          50
                                                                                                       negative, you will need to pump in                   250
                                                                                                       more cash to keep the operation
Capital purchase (specify)                                                                             afloat. Many profitable businesses                        0
                                                                                                       have gone under because they could
Other startup costs                                                                                                                                              0
                                                                                                       not pay the bills while waiting for
Reserve and/or Escrow                           goes to next month's                                   money to flow in. Your creditors do                       0
                                                Cash On Hand                   Oh oh!                  not care about profit; they want to be
Owners' Withdrawal                                                                                                                                               0
                                                                                                       paid with cash. Cash is the financial
TOTAL CASH PAID OUT                     950    170    170     470       170       660      120     120 lifeblood of your business.
                                                                                                            120      120      120     120     120          2,480
Cash Position (end of month)            550    380    210     -260     1,570      910      790     670       550      430     310     190         70

				
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