Bean Counter's Cash Forecasting Workbook
                                                             Provided By: Bean Counter Accounting                                          
                                                             Prepared By: Dave Marshall                                          
                                                                This Work Book is designed to make your task of estimating your                                          
                                                                future cash needs easy.                                          
                                                                The Work Book is designed for small businesses that provide                                           
                                                                services or buy and sell products.                                          
                                                                This Work Book is provide as is and Bean Counter                                          
                                                                makes no guarantees or assumes any liability for it's use.                                          
Cash Projection Worksheet                                          
Sales Forecast Worksheet                                          
Cash Payments Worksheet                                          
Weekly Forecast Worksheet                                          
Charts Worksheet                                          
               You access the different Worksheet Sections                                           
               by clicking on the "named" tabs located at the bottom                                          
               of the screen or the underlined links in each worksheet.                                          
Overview and Purpose:                                          
This Cash Forecasting Workbook was designed by me to be an easy to use tool to aid small businesses                                          
in anticipating their cash needs. I've downloaded and looked at many templates that to me were                                          
either little or no help (basically just a form where you filled in amounts but no calculations were performed                                          
for you) and others that seemed much too complicated to actually use.                                          
My Cash Forecast attempts to have you enter enough historical data to produce realistic future estimates                                          
of receipts and payments, but not have you spending a lot of time entering prior year's historical financial                                          
information from balance sheets, income statements and other financial documents.                                          
Don't get me wrong, prior years information is one indicator of what may happen in the future                                          
but things change and you also need to get out your crystal ball (current knowledge of your market conditions                                          
and the economy) to prepare reasonable future estimates. In other words,                                          
you need to mix a dose of the past with a dose of the future.                                          
The Workbook covers any period of time from a month up to a maximum of 12 months.                                          
Here again, many worksheets cover up to 5 years of projected financial information, but I intentionally limited                                          
this projection to the "near" future where you will have to plan for and deal with relatively soon.                                          
The Workbook is made up of 5 main sections:                                          
(1) The Main Worksheet is                                                                                                                                                                                            
named Cash Projection and contains the following information:                                                                                                                                                                                            
(a) Cash Summary Section that summarizes all the estimated cash                                                                                                                                                                                             
receipts and payments.                                                                                                                                                                                            
(b) Basic Financial Information Section where you enter your historical financial information,                                                                                                                                                                                            
collection and payment patterns, and beginning balances.                                                                                                                                                                                            
(c) Sales and Payment information summarized and calculated                                                                                                                                                                                             
from the other two sheets - SalesForecast and CashPayments.                                                                                                                                                                                            
(d) Estimated purchases and inventory calculations for businesses that buy and sell product.                                                                                                                                                                                            
(2) Sales Forecast Section named SalesForecast.                                                                                                                                                                                            
This Section is used to estimate the sales amounts used in the.                                                                                                                                                                                            
Cash Forecast.                                                                                                                                                                                            
(3) Cash Payments Section named CashPayments which is                                                                                                                                                                                            
used to estimate your different types of payments (expenses).                                                                                                                                                                                            
(4) Weekly Forecast Section named WeeklyForecast which is                                                                                                                                                                                            
used to analyze the cash flow for a user specified month.                                                                                                                                                                                            
(5) Charts Section named Charts which display useful charts                                                                                                                                                                                                                                    
and graphs.                                                                                                                                                                                                                                    
Steps To Take To Prepare Your Projection                                          
1. Enter Historical Financial Information, Collection and Payment Patterns, and Beginning Balances                                           
using the Cash Projection Worksheet. All required entries are highlighted in yellow --------------------------------------------->                                          
2. Enter and/or Calculate your Estimated Monthly Sales using the Sales Forecast Worksheet.                                          
All required entries are highlighted in yellow -------------------------------------------------------------------------------------------------------->                                           
3. Enter and/or Calculate your Estimated Monthly Payments using the Cash Payments Worksheet.                                          
All required entries are highlighted in yellow -------------------------------------------------------------------------------------------------------->                                          
Now,  that's not too difficult - is it ?                                          
The Weekly Forecast Worksheet has been provided in order to enable you to break down a monthly                                          
forecast into weeks and compare your budgeted (estimated) amounts with your actual amounts.                                          
This may be helpful  in cases were most of your receipts and collections arrive at the end of a                                          
month and a large percentage of your payments occur at the beginning of a month.                                          
To use this worksheet, all you do is pick a month that you want to analyze and allocate (spread) your                                          
monthly receipts and payments over the weeks that you estimate the receipts will be collected and                                          
the weeks that the payments will be made. If you also want to compare your estimated amounts to your                                          
actual amounts you need to enter your actual receipts and payments made during the weeks.                                          
The Chart Worksheet is provided to illustrate your results using charts and graphs.                                          
Where do you get the required Financial Information  to input ?                                          
Balance Sheet(s)                                          
Income Statement(s)                                          
Accounts Receivable and Accounts Payable Ageing Analysis and Reports                                          
Prior Year(s) Monthly Sales Summaries and Reports                                          
Trade Publications -Industry Ratios                                          
Prior Year(s) Cost and Expense Analysis                                          
Prior Year(s) Collection Patterns and Payment Patterns Analysis                                          
Equipment Analysis and Needs Studies                                          
Remember your estimates are only as good as the information and assumptions that they are based on.                                          
GIGI - Garbage In - Garbage Out !                                          
Good luck and hopefully no more sleepless nights worrying about Cash !                                          
Dave Marshall