Business Cash Management by mcd14554

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									Small Business Victoria: Information sheet

▌Cash flow worksheet
Use this automated cash flow worksheet to forecast and record cash flow. The worksheet will update your figures as you type. If you're not sure ho
Business information sheet Business essentials: cash-flow forecast and break-even point. (Download it from the Financial Management section o


How to use it: Type your cash balance at the beginning in cell B10. Then type in your monthly figures for cash in and cash out, month by month. If you are using the worksheet a
flow worksheet to test what will happen if something changes e.g. expenses go up by 5%, using the cash flow scenario planner and report.

Cash flow scenario planner


Changes in sales income                                                     0%

Changes in expenses                                                         0%



                       Month *                                Month one               Month two               Month three

                                                                             $0                       $0                      $0
Cash balance at the start of each month #
Cash in

Cash reciepts from customers                                                 $0                       $0                      $0

Collection of recievables                                                    $0                       $0                      $0

Other operating revenue received                                             $0                       $0                      $0

Total cash in at end of month                                                $0                       $0                      $0

Cash out (record expenses when actually paid)

Wages paid                                                                   $0                       $0                      $0

Administration, insurance paid                                               $0                       $0                      $0

Marketing expenses paid                                                      $0                       $0                      $0

Cost of goods paid                                                           $0                       $0                      $0

Interest expense, bank charges paid                                          $0                       $0                      $0

Capital costs paid                                                           $0                       $0                      $0

Tax, GST, PAYG, super paid                                                   $0                       $0                      $0

Other payments                                                               $0                       $0                      $0

Total cash out at end of month                                               $0                       $0                      $0

Net difference †
                                                                             $0                       $0                      $0
(subtracts the Cash out from Cash in)


Cash balance at the end of each month ‡                                      $0                       $0                      $0
sheet will update your figures as you type. If you're not sure how to use this worksheet, there's a plain English explanation of cash flow as well as an easy-to-follow worked
 point. (Download it from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.)


 for cash in and cash out, month by month. If you are using the worksheet as part of a business plan, fill out as much as you can with your cash flow projections and replace these with real figures when you h
ash flow scenario planner and report.




                                   Month four              Month five                Month six             Month seven              Month eight              Month nine

                                                  $0                       $0                      $0                       $0                      $0                       $0




                                                  $0                       $0                      $0                       $0                      $0                       $0

                                                  $0                       $0                      $0                       $0                      $0                       $0

                                                  $0                       $0                      $0                       $0                      $0                       $0

                                                  $0                       $0                      $0                       $0                      $0                       $0




                                                  $0                       $0                      $0                       $0                      $0                       $0

                                                  $0                       $0                      $0                       $0                      $0                       $0

                                                  $0                       $0                      $0                       $0                      $0                       $0

                                                  $0                       $0                      $0                       $0                      $0                       $0

                                                  $0                       $0                      $0                       $0                      $0                       $0

                                                  $0                       $0                      $0                       $0                      $0                       $0

                                                  $0                       $0                      $0                       $0                      $0                       $0

                                                  $0                       $0                      $0                       $0                      $0                       $0

                                                  $0                       $0                      $0                       $0                      $0                       $0


                                                  $0                       $0                      $0                       $0                      $0                       $0


                                                  $0                       $0                      $0                       $0                      $0                       $0
 n of cash flow as well as an easy-to-follow worked example in the Office of Small
u.)


w projections and replace these with real figures when you have them. You can also use this cash




                                  Month ten             Month eleven            Month twelve            Total

                                                 $0                      $0                        $0




                                                 $0                      $0                        $0           $0

                                                 $0                      $0                        $0           $0

                                                 $0                      $0                        $0           $0

                                                 $0                      $0                        $0           $0




                                                 $0                      $0                        $0           $0

                                                 $0                      $0                        $0           $0

                                                 $0                      $0                        $0           $0

                                                 $0                      $0                        $0           $0

                                                 $0                      $0                        $0           $0

                                                 $0                      $0                        $0           $0

                                                 $0                      $0                        $0           $0

                                                 $0                      $0                        $0           $0

                                                 $0                      $0                        $0           $0


                                                 $0                      $0                        $0


                                                 $0                      $0                        $0
Wages paid                            #DIV/0!

Administration, insurance paid        #DIV/0!

Marketing expenses paid               #DIV/0!

Cost of goods paid                    #DIV/0!

Interest expense, bank charges paid   #DIV/0!

Capital costs paid                    #DIV/0!

Tax, GST, PAYG, super paid            #DIV/0!

Other payments                        #DIV/0!

Free Cash Flow                        #DIV/0!
-40%

-45%

-50%

-55%

-60%

-65%

-70%

-75%

-80%

-85%

-90%

-95%

-100%
95%

90%

85%

80%

75%

70%

65%

60%

55%

50%

45%

40%

35%

30%

25%

20%

15%

10%

 5%

 0%

-5%

-10%

-15%

-20%

-25%
-30%

-35%

-40%

-45%

-50%

-55%

-60%

-65%

-70%

-75%

-80%

-85%

-90%

-95%

-100%
Cash Flow Report                      Month one        to   Month twelve


Cash at beginning                                                                   $0
Forecast revenues received                                                 $         -


Wages payable                                                                       $0
Administative expenses                                                              $0
Marketing expenses                                                                  $0
Cost of goods                                                                       $0
Interest expense, bank charges                                                      $0
Capital costs                                                                       $0
Tax, GST, PAYG, super                                                               $0
Other                                                                               $0
Total Expenses Paid                                                                 $0


Net cash position as at end                                                $         -



                                             Cash Balance


        $1

        $1

        $1

        $1

        $1

        $1

        $0

        $0

        $0

        $0

        $0
                1       2     3   4      5        6    7    8    9     10      11   12
                                      Expense Breakdown



                                                    Interest
                                               Marketing bank
                                             Tax, GST, PAYG,
                                                expense,
                                              Administative
                                            Cost super, $0 $0
                                           WagesOther, $0, $0
                                                 of costs,
                                             Capitalgoods,
                                                   payable,
                                              expenses, $0
                                                  charges
                                              expenses, $0




                                Expenses as a % of Revenue

100.0%

 90.0%

 80.0%

 70.0%

 60.0%

 50.0%

 40.0%

 30.0%

 20.0%

 10.0%
         0.0%      0.0%        0.0%        0.0%        0.0%         0.0%        0.0%        0.0%     0.0%
  0.0%




          *Free Cash Flow = the % of revenue that is left as cash after all expenses are paid for.

								
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