The request
“Create a cash flow diagram for the Nguyen household in September: opening cash $7,800, paycheques $9,600, freelance work $1,400, mortgage $3,100, childcare $1,250, groceries $980, savings transfer $1,200, and closing cash $12,270.”
Then tryAdd a $450 car insurance payment.Change the savings transfer to $1,500.
What is in this drawing
Read the decisions behind it.
01Fund fixed bills first
show mortgage and childcare as known commitments.
02Keep extra income separate
freelance work may not repeat every month.
03Make saving visible
include the transfer as a deliberate use of cash.
Use for a household that wants a simple monthly view before allocating discretionary spending.
More like this
Other examples in this family.
FAQ
Common questions
Should savings be an outflow?
Yes, if it is transferred out of the account whose cash you are tracking.
Can I include credit card payments?
Yes. Include the payment date and avoid double-counting purchases already shown as expenses.
What if income is irregular?
Show it separately and plan recurring bills around income that is dependable.