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Busy Mama Finance Center

This is the Busy Mama Finance Center. In these pages we need to give the community the low down on everything that a women needs to know about credit, investing and managing household finances. Hey, we even have information on retirement and savings. Welcome, to this section. Stay tune this money channel.

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Cash Management

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The first step to improving your FICO scores is reviewing your current FICO scor

Mama wants everyone to manage their money and their credit well!!!

Cash Flow Calculator
Since cash inflows and outflows vary in amounts and intervals it can often get quite confusing in trying to figure how much we can afford to spend or save during any given month. Just because you have left over cash this month doesn't mean it's actually available for spending. This calculator was designed to convert all inflows and outflows into their monthly equivalents making it easier to see how much you can really afford to spend during any given month. And because your household is just as much a business as any traditional business, the various sections of the calculator have been set up in the same way most businesses would set up their cash flow worksheet. Starting at the top and working your way down, complete and calculate the cash flows for each of the six sections. Once you've computed the entire worksheet, including the Cash Flow Summary, you can then go back and edit your entries. Once you're comfortable with your Cash Flow Forecast you can then click on the "Create Report" button at the bottom of the worksheet. This will create a condensed report in a new window that you can print out and refer to when creating your spending plan.
Cash Inflows
Example Accounts	Inflow Description	# of Pmts Per Year	Amt of Each Pmt	Monthly Amount
Your Primary Job Spouse's Primary Job Your Second Job Spouse's Second Job Your Business Revenues Spouse's Business Revenues Interest & Dividend Income Rental Income Cash Gifts Gambling Winnings Rummage Sale Receipts Tax Refund







Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals


	Total Monthly Inflow:
Adminstrative Outflows		Balance Forward:
Example Accounts	Outflow Description	# of Pmts Per Year	Amt of Each Pmt	Monthly Amount
Savings Deposits Investment Deposits Office Supplies Postage Basic Phone Tax Preparation Computer Supplies Legal Expenses Misc. Payments Brokerage Fees Income Tax Payments Health Insurance Life Insurance Charitable Gifts Tools Reference Materials Classified Ads







Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals


	Total Monthly Adminsitrative Outflow:
Personnel Outflows		Balance Forward
Example Accounts	Outflow Description	# of Pmts Per Year	Amt of Each Pmt	Monthly Amount
Groceries Vegetable Gardening School Lunches Toiletries & Grooming Hair & Make-up Medical, Dental, & Optical Medication & Prescriptions Clothing & Laundry Dry Cleaning Education Daycare Child Support Health Club Memberships Therapy







Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals


	Total Monthly Personnel Outflow:
Transportation Outflows		Balance Forward
Example Accounts	Outflow Description	# of Pmts Per Year	Amt of Each Pmt	Monthly Amount
Gasoline Car Repairs & Maintenance Car Insurance Car Payments Lease Payments Fares and tolls Parking Licenses & Permits Fines & Tickets







Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals


	Total Monthly Transportation Outflow:
Residential Outflows		Balance Forward
Example Accounts	Outflow Description	# of Pmts Per Year	Amt of Each Pmt	Monthly Amount
Grounds Maintenance Building Repairs & Maint. Cleaning Supplies Furniture & Fixtures Appliances Pest Control Interior Decorating Rent or Lease Payments Mortgage Payments Property Taxes Propane, Fuel Oil, & Wood Electricty Property Insurance Snow Removal Alarm Systems







Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals


	Total Monthly Residential Outflow:
Entertainment Outflows		Balance Forward
Example Accounts	Outflow Description	# of Pmts Per Year	Amt of Each Pmt	Monthly Amount
Movies & Theatrical Long Distance Calls Vidio & Movie Rental Cable & Satelite Sporting Events & Activities Hobbies & Crafts Games, Arcade, and Amusement Parties & Entertaining Gifts Dining Out Nightclubs Gambling Pets & Pet Supplies Music Vacation Propery Payments Vacation & Travel







Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals


	Total Monthly Entertainment Outflow:
Summary of Inflow and Outflows
Links	Category		Outflows	Inflows
Instructions Inflows Administrative Personnel Transportation Residential Entertainment Totals	Monthly Inflow
	Monthly Administrative Outflow
	Monthly Personnel Outflow
	Monthly Transportation Outflow
	Monthly Residential Outflow
	Monthly Entertainment Outflow

	Total Monthly Outflows
	Net Cash Flow

Balancing the Household Budget

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Bite the bullet and let's do it. Let's create a budget with these easy steps.

Twenty years of complicated budget calculations have led me to this one simple c

Investing

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Retirement & Savings

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I was able to walk out with $250.00 worth of clothing for $100.00