Cash Flow – Black Wealth Financial

Step 1 of 4

Cash Flow Data Sheet
Clients Name(s)
E-mail
Important Notes/Unique Circumstances
Mortgage Information

Please complete the fields only as they apply to you. If you do not have a second mortgage or a HELOC, leave those areas blank. Any additional information that you feel is pertinent please list in the additional Notes/Information area.
Ist Mortgage
Bank/Institution Name
Original Mortgage Principle
Original Start Date
Date Format: MM slash DD slash YYYY
Term (Years)
Current Balance
Date of Month Due
Date Format: MM slash DD slash YYYY
Total Payment (Principle, Interest, Taxes, Insurance)
Interest Rate
Additional Notes/Information
*If you pay property taxes and homeowner’s insurance separately rather than as part of your mortgage payment, list them below in the Expenses section.
2nd Mortgage
Bank/Institution Name
Original Mortgage Principle
Original Start Date
Date Format: MM slash DD slash YYYY
Term (Years)
Current Balance
Date of Month Due
Date Format: MM slash DD slash YYYY
Total Payment
Interest Rate
Additional Notes/Information
HELOC (if applicable)
Bank/Institution Name
HELOC Limit
Monthly Payment
Current Balance Owed
Interest Rate
Date of Month Due
Date Format: MM slash DD slash YYYY
Additional Notes/Information

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Income Information

Please note that income should reflect net checks after taxes, 401(k) contributions, and stock purchases. Complete only as it applies to your circumstances.
Your Primary Income
Your Name
Net Amount of Check
Interval (Weekly, Every two weeks, Monthly)
Date of Month Paid
Date Format: MM slash DD slash YYYY
Net Bonus Paid (if applicable)
Bonus Interval (if applicable)
Date of Bonus Payment (if applicable)
Date Format: MM slash DD slash YYYY
Additional Notes/Information
Additional/Ancillary Income 1
Income Source
Net Amount of Income
Interval (Weekly, Every two weeks, Monthly)
Date of Month Paid
Date Format: MM slash DD slash YYYY
Additional Notes/Information
Additional/Ancillary Income 2
Income Source
Net Amount of Income
Interval (Weekly, Every two weeks, Monthly)
Date of Month Paid
Date Format: MM slash DD slash YYYY
Additional Notes/Information

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Expense Information

Please do not hesitate to edit our template so that it accurately reflects your circumstances (example: many clients have cable and internet as one bill). We’ve also included blank fields so that you can add ones we may have missed.

However, please be sure to always indicate the interval of the expense (weekly, monthly, quarterly, annually, etc) and the date paid/due as this will help us accurately understand your cash flow.
Expense Name
Household Expenses Amount
Interval
Date Paid/Due
Property Taxes
Property Taxes
Property Taxes Interval
Property Taxes Date Paid/Due
Date Format: MM slash DD slash YYYY
Homeowner’s Insurance *
Homeowner’s Insurance
Homeowner’s Insurance Interval
Homeowner’s Insurance Date Paid/Due
Date Format: MM slash DD slash YYYY
Car Insurance
Car Insurance
Car Insurance Interval
Car Insurance Date Paid/Due
Date Format: MM slash DD slash YYYY
Life Insurance
Life Insurance
Life Insurance Interval
Life Insurance Date Paid/Due
Date Format: MM slash DD slash YYYY
Electricity
Electricity
Electricity Interval
Electricity Date Paid/Due
Date Format: MM slash DD slash YYYY
Water
Water
Water Interval
Water Date Paid/Due
Date Format: MM slash DD slash YYYY
Garbage
Garbage
Garbage Interval
Garbage Date Paid/Due
Date Format: MM slash DD slash YYYY
Sewerage
Sewerage
Sewerage Interval
Sewerage Date Paid/Due
Date Format: MM slash DD slash YYYY
Cell Phones
Cell Phones
Cell Phones Interval
Cell Phones Date Paid/Due
Date Format: MM slash DD slash YYYY
Cable
Cable
Cable Interval
Cable Date Paid/Due
Date Format: MM slash DD slash YYYY
Internet
Internet
Internet Interval
Internet Date Paid/Due
Date Format: MM slash DD slash YYYY
Home Phone
Home Phone
Home Phone Interval
Home Phone Date Paid/Due
Date Format: MM slash DD slash YYYY
Cleaning
Cleaning
Cleaning Interval
Cleaning Date Paid/Due
Date Format: MM slash DD slash YYYY
Property Maintenance
Property Maintenance
Property Maintenance Interval
Property Maintenance Date Paid/Due
Date Format: MM slash DD slash YYYY
Groceries
Groceries
Groceries Interval
Groceries Date Paid/Due
Date Format: MM slash DD slash YYYY
Entertainment
Entertainment
Entertainment Interval
Entertainment Date Paid/Due
Date Format: MM slash DD slash YYYY
Gas
Gas
Gas Interval
Gas Date Paid/Due
Date Format: MM slash DD slash YYYY
Gifts
Gifts
Gifts Interval
Gifts Date Paid/Due
Date Format: MM slash DD slash YYYY
Clothing
Clothing
Clothing Interval
Clothing Date Paid/Due
Date Format: MM slash DD slash YYYY
School Expenses
School Expenses
School Expenses Interval
School Expenses Date Paid/Due
Date Format: MM slash DD slash YYYY
Vacation Budget
Vacation Budget
Vacation Budget Interval
Vacation Budget Date Paid/Due
Date Format: MM slash DD slash YYYY
Christmas Budget
Christmas Budget
Christmas Budget Interval
Christmas Budget Date Paid/Due
Date Format: MM slash DD slash YYYY
Savings Accounts
Savings Accounts
Savings Accounts Interval
Savings Accounts Date Paid/Due
Date Format: MM slash DD slash YYYY
Time Shares
Time Shares
Time Shares Interval
Time Shares Date Paid/Due
Date Format: MM slash DD slash YYYY
Religious Contributions
Religious Contributions
Religious Contributions Interval
Religious Contributions Date Paid/Due
Date Format: MM slash DD slash YYYY
Type other Expense Name here
Household Expenses Amount
Interval
Date Paid/Due
Date Format: MM slash DD slash YYYY
Type other Expense Name here
Household Expenses Amount
Interval
Date Paid/Due
Date Format: MM slash DD slash YYYY
Type other Expense Name here
Household Expenses Amount
Interval
Date Paid/Due
Date Format: MM slash DD slash YYYY
Type other Expense Name here
Household Expenses Amount
Interval
Date Paid/Due
Date Format: MM slash DD slash YYYY
Additional Information
*If you pay property taxes and homeowner’s insurance as part of your mortgage payment, DO NOT list them here. Instead, include them in your monthly mortgage payment.

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Debt Information

Please include all debts, balances, minimum payments, monthly payment you make (if above the minimum),interest rates, dates paid, and anticipated pay-off dates. Car payments/loans, credit cards, and other loans should all be included.
Name
Balance
Minimum Payment
Monthly Payment
Interest
Date Paid/Due
Date Format: MM slash DD slash YYYY
Payoff Date
Date Format: MM slash DD slash YYYY
Name
Balance
Minimum Payment
Monthly Payment
Interest
Date Paid/Due
Date Format: MM slash DD slash YYYY
Payoff Date
Date Format: MM slash DD slash YYYY
Name
Balance
Minimum Payment
Monthly Payment
Interest
Date Paid/Due
Date Format: MM slash DD slash YYYY
Payoff Date
Date Format: MM slash DD slash YYYY
Name
Balance
Minimum Payment
Monthly Payment
Interest
Date Paid/Due
Date Format: MM slash DD slash YYYY
Payoff Date
Date Format: MM slash DD slash YYYY
Name
Balance
Minimum Payment
Monthly Payment
Interest
Date Paid/Due
Date Format: MM slash DD slash YYYY
Payoff Date
Date Format: MM slash DD slash YYYY
Name
Balance
Minimum Payment
Monthly Payment
Interest
Date Paid/Due
Date Format: MM slash DD slash YYYY
Payoff Date
Date Format: MM slash DD slash YYYY
Name
Balance
Minimum Payment
Monthly Payment
Interest
Date Paid/Due
Date Format: MM slash DD slash YYYY
Payoff Date
Date Format: MM slash DD slash YYYY
Name
Balance
Minimum Payment
Monthly Payment
Interest
Date Paid/Due
Date Format: MM slash DD slash YYYY
Payoff Date
Date Format: MM slash DD slash YYYY
College Information

When formulating a long-term plan, we want to be sure that we take into account expected college bills and debt. If we do not plan for it now, college can become a significant roadblock in our financial future. Please provide us with both the names of your students and year you expect them to enter college for the first Fall semester.

Upcoming College-bound Students
Name
Enters college Fall of......
Name
Enters college Fall of......
Name
Enters college Fall of......
Name
Enters college Fall of......
Name
Enters college Fall of......
Name
Enters college Fall of......
Final Notes (Expense, Debt, College or Other)

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Step 1 of 4

Cash Flow Data Sheet

Mortgage Information

Ist Mortgage

2nd Mortgage

HELOC (if applicable)

Income Information

Your Primary Income

Additional/Ancillary Income 1

Additional/Ancillary Income 2

Expense Information

Expense Name

Household Expenses Amount

Interval

Date Paid/Due

Property Taxes

Homeowner’s Insurance *

Car Insurance

Life Insurance

Electricity

Water

Garbage

Sewerage

Cell Phones

Cable

Internet

Home Phone

Cleaning

Property Maintenance

Groceries

Entertainment

Gas

Gifts

Clothing

School Expenses

Vacation Budget

Christmas Budget

Savings Accounts

Time Shares

Religious Contributions

Debt Information

College Information