Cash flow and you
Knowing where your money actually goes means you can make good, well-informed decisions about spending on what’s important
Do you really know where your money goes?
In our experience, most people don’t, and get quite a bit embarrassed about it. You shouldn’t be – not many of us realise how quickly inflation, lifestyle creep, and expenses can add up.
Keeping tabs on your cash flow (money in and out) helps you to plan to spend less money than you earn, with enough easily accessible funds and ready cash in case of emergencies or unexpected expenses.
This is not about random cutting back, it’s about getting a clear picture of your finances, and deciding how you actually want to spend your money.
Where to start?
The very best place to start is by figuring out your cash flow – taking a detailed look at what comes in and what goes out – to give you a clear picture of what money you have available to put towards both savings, and planning for what’s important to you.
To make a start, we’ve prepared a handy Cashflow Worksheet that covers all your monthly income and expenses. It’s easy to use, and you can complete it whatever way best suits.
Download the form*, enter the relevant details and your cashflow information will be calculated out for you! Or you can print out the form, complete it by hand and do your own calculations.
Quick note: We don’t recommend completing the form on your phone – it is NOT phone-friendly!
What next?
Once you’ve completed the form, you’ve got options:
File the completed form away for future reference (and, whether you fill the form in onscreen or on paper, we recommend you keep a hard copy); or
You’re most welcome to contact us, either by email or using the CONTACT US NOW button elsewhere on this page, to discuss how you can manage your cash flow and be more in control of your financial health.
* You’ll need the free Adobe Acrobat Reader app. Get it here.
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Stay on top of your finances
Getting your finances in order is one thing. Staying on top of them is something else again. A change in government policy, new legislation or amended regulations can have a powerful impact on how your finances are structured.
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Together, we’ll get your money doing what you care about.