%OP%TM1 %OP%BM1 %OP%LM5 %OP%HE/%H2%Z88 Users' Club Software Library%H2%/ %OP%FO/%H2%Z151%H2%//@P@/ %CO:A,12,70%%C%%H1%%H2%CASH FLOW FORECAST %C%%H1%BY STEVE EDWARDS - 4794 The Cash Flow Forecast will enable you to work out your bank balance at the end of the forecast period. The spreadsheet is set up for a 12 month period, divided into individual months. I have set up 2 different spreadsheets. CF1 is the simple one and is able to cope with up to 11 different types of income (EG. salaries, bank interest ,share dividends etc) and 41 different types of expenditure (EG. mortgage payments, gas electricity, car repairs, tax, etc). CF2 is similar but is set up to handle sales collection periods, and is for a small business rather than an individual. Income is shown on rows 3 to 15 and payments on rows 17 to 58. Net income (ie income less payments) is shown on row 61. Opening bank balances are shown on row 60 & closing bank balances on row 62. The closing bank balance is the opening bank balance plus net income. The 12 individual months figures are in columns B to M and the 12 months summary figures are in column N. Before use ensure recalc is set to MANUAL on the OPTIONS menu. I recommend that FIX ROW and FIX COLUMN from the LAYOUT menu are used to keep the headings and descriptions in view at all times as it makes it a lot easier to keep track of exactly where you. %C%%H2%INSTRUCTIONS FOR CF1 (Z151B) The following information is required: 1) bank balance at the start of the forecast period 2) the estimated income for each month for each type of income 3) the estimated payments for each month for each type of payment %H1%METHOD 1) in Text mode (select from the OPTIONS menu), enter in column A the descriptions of the items of income & expenditure in the appropriate sections. 2) in Number mode enter the income & expenditure figures for each month in the appropriate places. 3) enter the bank balance at the start of the forecast period in B60. 4) press <>A to recalc. 5) repeat step 4 until the figure in N60 (ie the bank balance at the end of the forecast period) stabilises. %P0% %C%%H1%%H2%INSTRUCTIONS FOR CF2 (Z151C) CF2 assumes that income is from sales and that the money is not all received in the month the sales are made, but a fixed proportion of sales are paid for at certain times. The following information is required: 1) bank balance at the start of the forecast period 2) the estimated payments for each month for each type of payment 3) the estimated sales for each month - 2 different types of sales with differing collection periods are allowed. 4) the estimated collection periods for the sales. 5) the estimated income other than sales. %H1%METHOD 1) while in Number mode enter the sales (for the first type of sales) for each month in row 4. Enter the collection periods in column O rows 7-10 in decimal format. The total of these figures should total 1.00 unless you wish to build in some element of bad debts in which case the total will of course be less than 1.00. For example if 1/4 of sales are collected in the same month and the rest after 2 months, then enter 0.25 in O7 and 0.75 in O9. The spreadsheet can handle sales collected in the same month and up to 3 months later. 2) enter the 2nd type of sales (if appropriate) in row 5, and the collection periods in O11 to O14. 3) other income should be entered in row 6. If the 2nd type of sale is not required then it can be deleted and rows 11 to 14 used for other types of income. The way of doing this is to select <>BRE. RANGE TO COPY FROM is O6 RANGE TO COPY TO is A11M14 This will copy a blank slot to all slots used for the income from type 2 sales. %C%%H2%DO NOT USE DELETE TO CLEAR THESE SLOTS AS %C%%H2%IT WILL NOT WORK CORRECTLY %C%%H2%ROW 5 SHOULD NOT BE USED FOR OTHER INCOME AS IT IS %C%%H2%NOT INCLUDED IN THE TOTALS ON ROW 15 4) enter payments, bank balance & recalculate as for CF1. %CO:B,12,60%%CO:C,12,48%%CO:D,12,36%%CO:E,12,24%%CO:F,12,12%