A cash flow analysis shows
your income and expenses and determines whether you are "living within your
means" or having to borrow money each month. The calculator below will help you to categorize your monthly income and expenses and will show you whether or not you are spending more than you make.
After tracking your expenditures over the course of 30 days, you can categorize the money
you spend and create a cash flow analysis. Even if you don't feel like
tracking every cent you spend for a month, you will find that the calculator below
has a large number of categories that help you to guesstimate your monthly
expenses fairly accurately. It will be useful to collect together your
check book and a stack of monthly bills before starting in with this
calculator, as they will contain the data you need to fill in all of the
You will want to use the Hidden Expense Calculator
first because the monthly number it generates is needed in this calculator.
If you find from this analysis that you spend more than you make, then it may be time to look at your lifestyle and make some corrections.
Calculators courtesy of BYG Publishing, Inc.
When it comes to credit, a little discipline and diligence go a long way. You could call each of the three credit bureaus and compare their reports side by side, or you can order a 3-in-1 credit report and save some time.