Cash flow scenario planner Changes in sales income 0% Changes in expenses 0% Month * Month one Month two Month three Month four Month five Month six Month seven January February March April May June July Cash balance at the start of each month # $5,000 $7,671 -$1,167 $2,448 $5,974 -$3,248 $1,240 Operating revenue Cash reciepts from customers $2,200 $2,200 $2,420 $2,640 $2,772 $2,860 $3,080 Collection of recievables $2,745 $3,102 $3,258 $3,498 $3,795 $4,046 $4,217 Other operating revenue received $0 $0 $0 $0 $0 $0 $0 Total Operating Revenue $4,945 $5,302 $5,678 $6,138 $6,567 $6,906 $7,297 Other Sources of Cash Inflows Proceeds from sale of assets Funds borrowed $20,000 Tax refund/rebates Other sources of cash inflow Total other cash inflows $0 $20,000 $0 $0 $0 $0 $0 Total monthly cash in $4,945 $25,302 $5,678 $6,138 $6,567 $6,906 $7,297 Inventory (Stock) Stock purchases 12,012 13,728 Other Cost of Goods 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 how to use this worksheet, there's a plain English explanation of cash flow. 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 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 have them. You can also use this cash 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 in (record when actually recieved) Cash out (record when actually paid) Total Cost of Goods $0 $12,012 $0 $0 $13,728 $0 $0 General & Administrative Bank charges 17 17 17 17 20 18 20 Credit card commission Accounting/Legal/Consultant fees Office Supplies 22 22 22 22 22 22 27 License fees Business insurance Etc. Total General & Administrative $39 $39 $39 $39 $42 $40 $47 Marketing & Promotional Advertising 275 275 275 Promotion - General Promotion - Other Etc. Total Marketing & Promotional $275 $0 $0 $275 $0 $0 $275 Operating Expenses Newspapers & magazines Parking/Taxis/Tolls Entertainment/Meals Travel/Accomodation Laundry/dry cleaning Cleaning & cleaning products Sundry supplies Equipment hire Etc. Total Operating Expenses $0 $0 $0 $0 $0 $0 $0 Motor Vehicle Expenses Fuel 500 358 275 302 Vehicle service costs Tyres & other replacement costs Insurance 300 Registrations Total Motor Vehicle Expenses $0 $300 $0 $500 $358 $275 $302 Website Expenses Domain name registration Hosting expenses 110 etc Total Website Expenses $0 $110 $0 $0 $0 $0 $0 Employment Expenses Permanent Salaries/Wages 1,230 1,230 1,230 1,230 1,230 1,230 1,230 PAYE 260 260 260 260 260 260 260 Superannuation 135 135 135 135 135 135 135 Other - Employee Benefits Recruitment costs Total Perm. Employ Exp $1,625 $1,625 $1,625 $1,625 $1,625 $1,625 $1,625 Casual Salaries/Wages PAYE Superannuation Other - Employee Benefits Recruitment costs Total Casual Employ Exp $0 $0 $0 $0 $0 $0 $0 Workcover Insurance Total Employment Expenses $1,625 $1,625 $1,625 $1,625 $1,625 $1,625 $1,625 Occupancy Costs Electricity/Gas 130 Telephones 30 54 64 43 36 43 75 Property Insurance 305 Rates Rent Repair & maintenance Waste removal Water Etc. Total Occupancy Costs $335 $54 $64 $173 $36 $43 $75 Other Expenses Bank Interest GST 335 435 Total Other Expenses $0 $0 $335 $0 $0 $435 $0 Other Cash Outflows Purchase of assets 20,000 One-off bank fees Principal Loan repayments Payments to the owner/s Investment of surplus funds. Other cash inflows Total Other Cash Outflows $0 $20,000 $0 $0 $0 $0 $0 Total monthly cash out $2,274 $34,140 $2,063 $2,612 $15,789 $2,418 $2,324 Net difference $2,671 -$8,838 $3,615 $3,526 -$9,222 $4,488 $4,973 Cash balance at the end of each month $7,671 -$1,167 $2,448 $5,974 -$3,248 $1,240 $6,213 Notes: To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance. Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007 * You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business. Net difference shows if more cash came in, than went out, or vice versa; and how much. Month eight Month nine Month ten Month eleven Month twelve Total August September October November December $6,213 $2,661 $7,303 $13,093 -$1,116 $3,168 $3,212 $3,300 $3,388 $3,080 $34,320 $4,475 $4,666 $4,778 $4,891 $5,016 $48,487 $0 $0 $0 $0 $0 $0 $7,643 $7,878 $8,078 $8,279 $8,096 $82,807 $0 $20,000 $0 $0 $0 $0 $0 $0 $0 $20,000 $7,643 $7,878 $8,078 $8,279 $8,096 $102,807 8,580 20,592 $54,912 $0 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 how to use this worksheet, there's a plain English explanation of cash flow. 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 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 have them. You can also use this cash 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 in (record when actually recieved) Cash out (record when actually paid) $8,580 $0 $0 $20,592 $0 $54,912 20 18 20 18 18 220 $0 462 $462 22 22 22 22 28 $275 $0 $0 $0 $504 $40 $42 $40 $46 $957 275 $1,100 $0 $0 $0 $0 $0 $275 $0 $0 $1,100 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 330 347 275 198 110 $2,695 $0 $0 $300 $0 $330 $347 $275 $198 $110 $2,995 $0 $110 $0 $0 $0 $0 $0 $0 $110 1,230 1,230 1,230 1,230 1,230 $14,760 260 260 260 260 260 $3,120 135 135 135 135 135 $1,620 $0 $0 $1,625 $1,625 $1,625 $1,625 $1,625 $19,500 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $1,625 $1,625 $1,625 $1,625 $1,625 $19,500 130 160 $420 26 44 71 33 30 $549 $305 $0 $0 $0 $0 $0 $0 $156 $44 $71 $33 $190 $1,274 $0 1,180 400 $2,350 $0 $0 $0 $0 $0 $0 $1,180 $0 $0 $400 $2,350 $20,000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $20,000 $11,195 $3,236 $2,288 $22,488 $2,371 $103,198 -$3,552 $4,642 $5,790 -$14,209 $5,725 $2,661 $7,303 $13,093 -$1,116 $4,609 To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance. Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007 * You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business. Net difference shows if more cash came in, than went out, or vice versa; and how much. 95% 90% 80% 75% 70% 65% 60% 55% 50% 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% -5% -15% Small Business Victoria: Information sheet Cash flow worksheet Cash flow scenario planner Changes in sales income Changes in expenses Month * Month one Month two Month three Month four Month five Month six Month seven Month eight Month nine Month ten Month eleven Month twelve Cash balance at the start of each month # $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Operating revenue Cash reciepts from customers Collection of recievables Other operating revenue received $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Total Operating Revenue $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Other Sources of Cash Inflows Proceeds from sale of assets Funds borrowed Tax refund/rebates Other sources of cash inflow Total other cash inflows $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 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 how to use this worksheet, there's a plain English explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even point. (Download it from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.) 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 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 have them. You can also use this cash 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 in (record when actually recieved) Total monthly cash in $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Inventory (Stock) Stock purchases Other Cost of Goods Total Cost of Goods $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 General & Administrative Bank charges Credit card commission Accounting/Legal/Consultant fees Office Supplies License fees Business insurance Etc. Total General & Administrative $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Marketing & Promotional Advertising Promotion - General Promotion - Other Etc. Total Marketing & Promotional $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Operating Expenses Cash out (record when actually paid) Newspapers & magazines Parking/Taxis/Tolls Entertainment/Meals Travel/Accomodation Laundry/dry cleaning Cleaning & cleaning products Sundry supplies Equipment hire Etc. Total Operating Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Motor Vehicle Expenses Fuel Vehicle service costs Tyres & other replacement costs Insurance Registrations Total Motor Vehicle Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Website Expenses Domain name registration Hosting expenses etc Total Website Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Employment Expenses Permanent Salaries/Wages PAYE Superannuation Other - Employee Benefits Recruitment costs Total Perm. Employ Exp $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Casual Salaries/Wages PAYE Superannuation Other - Employee Benefits Recruitment costs Total Casual Employ Exp $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Workcover Insurance Total Employment Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Occupancy Costs Electricity/Gas Telephones Property Insurance Rates Rent Repair & maintenance Waste removal Water Etc. Total Occupancy Costs $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Other Expenses Bank Interest GST Total Other Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Other Cash Outflows Purchase of assets One-off bank fees Principal Loan repayments Payments to the owner/s Investment of surplus funds. Other cash inflows Total Other Cash Outflows $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Total monthly cash out $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Net difference $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Cash balance at the end of each month $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Notes: Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007 * You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business. Net difference shows if more cash came in, than went out, or vice versa; and how much. To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance. 95% 95% 90% 90% 80% 80% 75% 75% Total 70% 70% 65% 65% 60% 60% 55% 55% $0 50% 50% $0 45% 45% $0 40% 40% $0 35% 35% 30% 30% 25% 25% $0 20% 20% $0 15% 15% $0 10% 10% $0 5% 5% $0 0% 0% 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 how to use this worksheet, there's a plain English explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even point. (Download it from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.) 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 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 have them. You can also use this cash 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. -5% -5% $0 -15% -15% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Cash out (record when actually paid) $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 Small Business Victoria: Information sheet Cash flow worksheet Cash flow scenario planner Changes in sales income 0% Changes in expenses 0% Month * Month one Month two Month three Month four Month five Month six Month seven Cash balance at the start of each month # $0 $0 $0 $0 $0 $0 $0 Operating revenue Cash reciepts from customers $0 $0 $0 $0 $0 $0 $0 Collection of recievables $0 $0 $0 $0 $0 $0 $0 Other operating revenue received $0 $0 $0 $0 $0 $0 $0 Total Operating Revenue $0 $0 $0 $0 $0 $0 $0 Other Sources of Cash Inflows Proceeds from sale of assets 0 0 0 0 0 0 0 Funds borrowed 0 0 0 0 0 0 0 Tax refund/rebates 0 0 0 0 0 0 0 Other sources of cash inflow 0 0 0 0 0 0 0 Total other cash inflows $0 $0 $0 $0 $0 $0 $0 Total monthly cash in $0 $0 $0 $0 $0 $0 $0 Total Cost of Goods $0 $0 $0 $0 $0 $0 $0 Total General & Administrative $0 $0 $0 $0 $0 $0 $0 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 how to use this worksheet, there's a plain English explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even point. (Download it from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.) 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 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 have them. You can also use this cash 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 in (record when actually recieved) Cash out (record when actually paid) Total Marketing & Promotional $0 $0 $0 $0 $0 $0 $0 Total Operating Expenses $0 $0 $0 $0 $0 $0 $0 Total Motor Vehicle Expenses $0 $0 $0 $0 $0 $0 $0 Total Website Expenses $0 $0 $0 $0 $0 $0 $0 Total Perm. Employ Exp $0 $0 $0 $0 $0 $0 $0 Total Casual Employ Exp $0 $0 $0 $0 $0 $0 $0 Workcover Insurance $0 $0 $0 $0 $0 $0 $0 Total Occupancy Costs $0 $0 $0 $0 $0 $0 $0 Total Other Expenses $0 $0 $0 $0 $0 $0 $0 Other Cash Outflows Purchase of assets 0 0 0 0 0 0 0 One-off bank fees 0 0 0 0 0 0 0 Principal Loan repayments 0 0 0 0 0 0 0 Payments to the owner/s 0 0 0 0 0 0 0 Investment of surplus funds. 0 0 0 0 0 0 0 Other cash inflows 0 0 0 0 0 0 0 Total Other Cash Inflows $0 $0 $0 $0 $0 $0 $0 Total monthly cash out $0 $0 $0 $0 $0 $0 $0 Net difference (subtracts the Cash out from Cash in) Cash balance at the end of each month $0 $0 $0 $0 $0 $0 $0 Notes: $0 $0 $0 $0 * You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business. Net difference shows if more cash came in, than went out, or vice versa; and how much. To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance. Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007 $0 $0 $0 Month eight Month nine 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 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 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 how to use this worksheet, there's a plain English explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even point. (Download it from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.) 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 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 have them. You can also use this cash 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 in (record when actually recieved) Cash out (record when actually paid) $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 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 * You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business. Net difference shows if more cash came in, than went out, or vice versa; and how much. To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance. Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007 $0 $0 $0 95% 90% 80% 75% 70% 65% 60% 55% 50% 45% 0% -5% -10% -15% Small Business Victoria: Information sheet Cash flow worksheet Cash flow scenario planner Changes in sales income 0% Changes in expenses 0% Month * Estimated Actual Estimated Actual Estimated Actual Cash balance at the start of each month # $0 $0 $0 $0 $0 Operating revenue Cash reciepts from customers $0 $0 $0 Collection of recievables $0 $0 $0 Other operating revenue received $0 $0 $0 Total Operating Revenue $0 $0 $0 $0 $0 $0 Other Sources of Cash Inflows Proceeds from sale of assets 0 0 0 Funds borrowed 0 0 0 Tax refund/rebates 0 0 0 Other sources of cash inflow 0 0 0 Total other cash inflows $0 $0 $0 $0 $0 $0 Total monthly cash in $0 $0 $0 $0 $0 $0 Inventory (Stock) Stock purchases 0 0 0 Other Cost of Goods 0 0 0 Total Cost of Goods $0 $0 $0 $0 $0 $0 Month one Month two Month three 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 how to use this worksheet, there's a plain English explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even point. (Download it from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.) 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 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 have them. You can also use this cash 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 in (record when actually recieved) Cash out (record when actually paid) General & Administrative Bank charges 0 0 0 Credit card commission 0 0 0 Accounting/Legal/Consultant fees 0 0 0 Office Supplies 0 0 0 License fees 0 0 0 Business insurance 0 0 0 Etc. 0 0 0 Total General & Administrative $0 $0 $0 $0 $0 $0 Marketing & Promotional Advertising 0 0 0 Promotion - General 0 0 0 Promotion - Other 0 0 0 Etc. 0 0 0 Total Marketing & Promotional $0 $0 $0 $0 $0 $0 Operating Expenses Newspapers & magazines 0 0 0 Parking/Taxis/Tolls 0 0 0 Entertainment/Meals 0 0 0 Travel/Accomodation 0 0 0 Laundry/dry cleaning 0 0 0 Cleaning & cleaning products 0 0 0 Sundry supplies 0 0 0 Equipment hire 0 0 0 Etc. 0 0 0 Total Operating Expenses $0 $0 $0 $0 $0 $0 Motor Vehicle Expenses Fuel 0 0 0 Vehicle service costs 0 0 0 Tyres & other replacement costs 0 0 0 Insurance 0 0 0 Registrations 0 0 0 Total Motor Vehicle Expenses $0 $0 $0 $0 $0 $0 Website Expenses Domain name registration 0 0 0 Hosting expenses 0 0 0 etc 0 0 0 Total Website Expenses $0 $0 $0 $0 $0 $0 Employment Expenses Permanent Salaries/Wages 0 0 0 PAYE 0 0 0 Superannuation 0 0 0 Other - Employee Benefits 0 0 0 Recruitment costs 0 0 0 Total Perm. Employ Exp $0 $0 $0 $0 $0 $0 Casual Salaries/Wages 0 0 0 PAYE 0 0 0 Superannuation 0 0 0 Other - Employee Benefits 0 0 0 Recruitment costs 0 0 0 Total Casual Employ Exp $0 $0 $0 $0 $0 $0 Workcover Insurance 0 0 0 Total Employment Expenses $0 $0 $0 $0 $0 $0 Occupancy Costs Electricity/Gas 0 0 0 Telephones 0 0 0 Property Insurance 0 0 0 Rates 0 0 0 Rent 0 0 0 Repair & maintenance 0 0 0 Waste removal 0 0 0 Water 0 0 0 Etc. 0 0 0 Total Occupancy Costs $0 $0 $0 $0 $0 $0 Other Expenses Bank Interest 0 0 0 GST 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Other Expenses $0 $0 $0 $0 $0 $0 Other Cash Outflows Purchase of assets 0 0 0 One-off bank fees 0 0 0 Principal Loan repayments 0 0 0 Payments to the owner/s 0 0 0 Investment of surplus funds. 0 0 0 Other cash inflows 0 0 0 Total Other Cash Inflows $0 $0 $0 $0 $0 $0 Total monthly cash out $0 $0 $0 $0 $0 $0 Net difference $0 $0 $0 $0 $0 $0 Cash balance at the end of each month $0 $0 $0 $0 $0 $0 Notes: To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance. Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007 * You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business. Net difference shows if more cash came in, than went out, or vice versa; and how much. Estimated Actual Estimated Actual Estimated Actual Estimated Actual Estimated $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 Month four Month five Month six Month seven Month eight 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 how to use this worksheet, there's a plain English explanation of cash flow as well as an easy-to-follow worked example in the Office of Small Business information sheet Business essentials: cash-flow forecast and break-even point. (Download it from the Financial Management section of the Business Victoria website at www.business.vic.gov.au.) 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 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 have them. You can also use this cash 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 in (record when actually recieved) Cash out (record when actually paid) 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 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 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 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 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 To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance. Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007 * You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business. Net difference shows if more cash came in, than went out, or vice versa; and how much. Actual Estimated Actual Estimated Actual Estimated Actual Estimated Actual $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 Month eight Cash in (record when actually recieved) Cash out (record when actually paid) Month nine Month ten Month eleven Month twelve 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 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 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 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 To get the cash balance (last row), add or subtract the Net difference from the Cash balance at the start of the month (top row). This figure becomes the next month's new cash balance. Disclaimer: The information contained in this publication is provided for general guidance only. The State of Victoria does not make any representations or warranties (expressed or implied) as to the accuracy, currency or authenticity of the information. The State of Victoria, its employees and agents do not accept any liability to any person for the information or advice which is provided herein. Authorised by the Victorian Government, 113 Exhibition Street, Melbourne, 3000. Department of Innovation, Industry and Regional Development 2007 * You may wish to write in the names of the months under the numbers to keep track. 'Month one' is the month you start the business. Net difference shows if more cash came in, than went out, or vice versa; and how much. #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! #REF! Free Cash Flow#REF! 95% 90% 80% 75% 70% 65% 60% 55% 50% 45% 0% -5% -15%
SPEECH BY ENG. M.S.M KAMAU, CBS, CABINET SECRETARY,MINISTRY OF TRANSPORT AND INFRASTRUCTURE, DURING THELAUNCH OF THE ENGINEERS BOARD OF KENYA (EBK)STRATEGIC PLAN AND LOGO ON 24 th MARCH 2015 AT THE KICC,NAIROBI