Cash Flow Analysis  
Managing debt and maintaining your lifestyle over the long term is challenging. Without a reasonable budgeting plan, it is difficult to effectively manage spending. This Cash Flow Analysis form can help you compare your income to your expenses to determine your net cash flow.
     

Income:
(In the spaces below, write down all your sources of income.
Convert annual and quarterly figures to monthly numbers.)

Salary

$

Alimony, child support

$

Dividends from investments

$

Interest on savings accounts, CDs, etc.

$

Social Security benefits

$

Retirement plan/pension income

$

Other income

$


Expenses:
(Write down the anticipated amounts of your expenditures.
Convert annual and quarterly figures to monthly figures.)

Mortgage payment or rent

$

Groceries

$

Utilities

$

Entertainment, recreation, and dining

$

Insurance

$

Medical (not covered by insurance)

$

Education

$

Vacation

$

Gifts

$

Loan payments (auto, student, etc.)

$

Auto (gas, maintenance, etc.)

$

Credit card payment

$

Clothing

$

Dues and subscriptions

$

Home improvement

$

Charitable contributions

$

Federal taxes

$

State taxes

$

FICA (Social Security)

$

Other taxes

$

Other expenses

$
 
   
   
Kasprzak Financial Associates, Inc.
482 Congress Street, Suite 503 • Portland, ME • 04101
Phone: (888) 778-1578 • Fax: (207) 772-5501
• kasprzak_thomas@nlvmail.com

*Securities and investment advisory services are offered solely through registered representatives and investment adviser representatives of Equity Services, Inc., Member FINRA/SIPC, a Broker/Dealer and Registered Investment Adviser, 354 Mountain View Drive, Suite 200, Colchester, VT  05446, 802.864.6819.

Tom Kasprzak is a Registered Representative and Investment Advisor Representative of Equity Services, Inc. and offers securities in Maine, New Hampshire Massachusetts, Virginia and Florida.  He is also licensed to offer insurance in Maine, New Hampshire and Massachusetts. 

Equity Services, Inc., Life Insurance Company of the Southwest, National Life Insurance Company, National Retirement Plan Advisors and Sentinel InvestmentsSM are affiliated.  Each company referenced above is solely responsible for its own financial condition and contractual obligations. NL Financial Alliance is a tradename and distribution channel of National Life Insurance Company, Montpelier, Vermont.  Kasprzak Financial Associates, RBC Trust Company (Delaware Limited) and all other entities referenced are independent of these affiliated companies unless otherwise noted.

 

Trust Services offered by RBC Trust Company (Delware Limited), Wilmington, DE  19850.  Tel:  (302) 892-6900.


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