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

$
 
   
   
Towers Wealth Management, Inc.
17910-B Cottonwood Drive • Parker, CO • 80134
Phone: 303-693-1234 • Fax: 303-693-8007
• towerstax@towerstax.com

*Deborah A. Towers is a registered representative registered to transact business with clients in the state of Colorado, California, Florida, Massachusetts, New York, North Carolina and Washington.  Deborah A. Towers is also an investment advisor representative licensed in the state of Colorado, California, Florida, North Carolina and Massachusetts.  Deborah A. Towers is insurance licensed in the state of Colorado.  If you are not a resident of the states noted above, all investment-related information on this site is for informational purposes only and does not constitute a solicitation or offer to sell securities, investment advisory services or insurance services over the internet.  Securities offered through H.D. Vest Investment ServicesSM, Advisory Services offered through H.D. Vest Advisory ServicesSM, Member:  SIPC, .



Gale Hatley is a registered representative registered to transact business with clients in the state of Colorado.  If you are not a resident of the state noted above, all investment-related information on this site is for informational purposes only and does not constitute a solicitation or offer to sell securities or insurance services over the internet.  Securities offered through H.D. Vest Investment ServicesSM, Member:  SIPC.  

Investments & Insurance Products:



Certified Senior Advisros (CSA) have supplemented their individual professional licenses, credentials and education with knowledge about aging and working with seniors.  Know what those licenses, credentials and education signify.  The CSA designation alone does not imply expertise in financial, health, or social matters.

Towers Wealth Management, Inc. is not a registered broker/dealer or independent investment advisory firm and can not directly offer investment advice or services.