Household Cash Flow Tracker

Monthly Cash Flow Summary

Monthly Income
Monthly Expenses
Net Cash Flow
Itemized Monthly Housing Expenses
Total Housing Expenses

Itemized Monthly Loan Payments
Total Loan Payments

Itemized Monthly Insurance Expenses
Total Insurance Expenses

Itemized Monthly Utility Expenses
Total Utility Expenses

Other Monthly Expenses
Total Other Expenses

Getting your spending under control and in line with your income is an essential element to building a healthy financial future. Analyze your spending (including what you put on a credit card) each month to make sure you are not spending more than you are bringing in. Once you have got that under control, consider placing what 'extra' you have every month in savings. You will never know when you will need it and it is better to take money out of a savings account to pay for unanticipated expenses rather than adding it to a credit card balance.