Why did I create this template?

Growing up, I witnessed my family grappling with financial hardships and debt, which fueled my determination to acquire financial management skills. Motivated by the desire to avoid the consequences of poor financial decisions, I took it upon myself to develop a 'cash flow system' and share it with others.

What's inside the template?

In this template you'll find:

✦ Instructions on how to use it 
✦ Balance Calculator
✦ Monthly budgeting
✦ Income sections 
✦ Expense section
✦ Calendar view  
✦ Income & expenses list view categorize by amount 
Also this template help you to know if you are in or out of budget

How to use the template?

You can use this template for:
1. Keep a record of your income sources, including your salary, freelance earnings, rental income, and any other money you receive.
2. Set Financial Goals (Paying debt, build a emergency fund, investment...)
3. Monitor your spending by maintaining a comprehensive record of your expenses.
4.  Analyze your cash flow pattern to identify areas where you might be overspending or where potential savings opportunities exist.
5. Regularly review and update your cash flow system. Track your income and expenses on a consistent basis (daily, weekly or monthly)

What are the benefits of the template?

With this template you'll be aware of how and where your money goes each month. Enhance your financial discipline, gain insights into your spending patterns, identify areas for potential savings, achieve longterm financial goals. Remember, improving your financial situation through better management of income and expenses can lead to reduced debt, increased savings, and overall financial well-being.