Cash Flow Forecasting: See Your Money Before Payday

A budget says where money should go. A cash flow forecast says when money moves. That timing is what prevents overdrafts and late bills.

Start with Today's Balance

Write down your current available balance. Then list every expected income deposit and every upcoming bill between now and the next payday.

Find the Low Point

The most useful number is not the final balance. It is the lowest projected balance before new income arrives. That low point tells you whether spending needs to slow down now.

Forecast Flexible Spending

Groceries, transport, dining, and small card purchases should be estimated even if they are not fixed bills. Use realistic numbers, not hopeful numbers.