Household Cash Flow Tracker
Monthly budgets often fail because they miss irregular expenses. This tool helps you plan for the whole year.
Regular Monthly Items
Irregular / Annual Expenses
Annual Projection
| Total Annual Income | $0.00 |
| Regular Annual Expenses | $0.00 |
| Irregular Annual Expenses | $0.00 |
|
|
|
| True Monthly Surplus | $0.00 |
"True Monthly Surplus" is what you can actually save or invest after setting aside money for irregular annual costs.
The "True Expense" Concept
Many people live paycheck to paycheck because they treat annual expenses as "emergencies".
Sinking Funds
Take your total irregular expenses ($4,800/year, for example) and divide by 12 ($400/month). You should save this amount every month into a separate account.
Smoothed Budget
By treating variable costs as fixed monthly contributions, you smooth out the highs and lows of your cash flow.
Avoid Debt
When Christmas or car registration comes around, you pay from your sinking fund instead of using a credit card.