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%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.
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