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 $

"Securities offered through Raymond James Financial Services, Inc.,  Member FINRA/SIPC, an independent broker/dealer, and are not insured by credit union insurance, the NCUA or any other government agency, are not deposits or obligations of the credit union, are not guaranteed by the credit union, and are subject to risks, including the possible loss of principal."

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