Cash Flow Calendar for the Next 90 Days
Visualise when money arrives and leaves.
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Create a 90-day cash flow calendar. Starting balance: [STARTING_BALANCE]. Income dates and amounts: [INCOME_SCHEDULE]. Bills and recurring payments with dates: [BILL_SCHEDULE]. Known one-off costs: [ONE_OFFS]. Build a table by week with Opening balance | Money in | Money out | Closing balance | Lowest point in the week. Highlight any week where the closing balance falls below a floor of [MINIMUM_BALANCE]. Suggest ways to smooth the pinch points: moving a due date (by asking the biller), shifting a discretionary purchase, or timing a transfer. Then provide the same view in text form listing the five tightest days. State clearly the assumptions you used and show the arithmetic so I can check it. Remember I will verify bank charges and grace periods with my bank. Add a worked example of the first three weeks with invented figures so the table format is clear: opening balance 640, wages of 1,900 on the 28th, rent of 850 on the 1st, bills and card payments on specific dates, and a lowest point of 85 on the 12th that falls below a floor of 150. Show the closing balance each week and mark the pinch point. Label it as an illustration. Then add a procedure for updating the calendar every Sunday with actual figures, a variance column, and a rule for what to do on the day the balance forecast falls below the floor (contact the biller to move a date, delay a discretionary payment, or move money between accounts), without taking on new borrowing. End with a one-line rule for each of the five tightest days stating the single action I will take if the balance forecast falls below my floor, written in the first person. This is financial education, not personalised investment advice, and it is not tax or legal advice. Use [JURISDICTION] where rules matter and tell me to verify details with a qualified professional.
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