prepare a complete monthly cash budget for a period of at least one semester, beginning with the current month of the course, showing all sources of income, expenses and the monthly balance/deficit. Below is an example of a table you could use as a guide:

CASH FLOW	2024
	January	February	March	April	Mayo	June	Julio
Initial available	16,000	15,415	31,523	47,701	64,149	63,649	63,149
Income
Net Income (Salaries)	8,000	8,000	8,000	8,000
commissions	-			250
Fee
Rental income - Leasing
Total normal income	8,000	8,000	8,000	8,250	-	-	-	-	-	-
Normal expenses (C/p & L/P)
Payment a si mismo	100	100
Monthly rent	1,200	1,200	1,200	1,200
Public service (Utilities)	320	165	165	165
Combustible	1,500	200	200	200
Vehicle insurance	808	250	250	250
Home food	240	650	650	650
Recreation and tourism - Cinema	120	25	25	25
Restaurants and others	800	120	100	80
Hairdressing, beauty and others	520	250	200	200
Health	452	452	452	452
Medicines	60	60	60	60
Footwear	480	100	100	100
Clothes	600	120	120	120
Liquor, cigarettes and others	85		-	-
Total spends	7,185	3,592	3,522	3,502	-	-	-	-	-	-
Interest income investments		16,000	16,000	16,000				16,000	16,000	16,000
Interest income from loans to third parties		-	-	-				-	-	-
Income from sale of goods	2,400
Other income (Dividends)
Total other income	2,400	16,000	16,000	16,000	-	-	-	16,000	16,000	16,000
Home loan payment	2,800	2,800	2,800	2,800
Vehicle loan payment
Credit card fee payment	1,000	1,000	1,000	1,000
Personal credit fee payment
Payment of educational credit fee		500	500	500	500	500	500
Total loan disbursements
IRS tax payment		-	-	-
IRS Refund
Savings grade
Total payments	3,800	4,300	4,300	4,300	500	500	500	-	-	-
New Investments
He failed or overcame	15,415	31,523	47,701	64,149	63,649	63,149	62,649	16,000	16,000	16,000
New requirements	-	-	-	-				-	-	-
Final balance	15,415	31,523	47,701	64,149	63,649	63,149	62,649	16,000	16,000	16,000
	13,915	17,608	33,786	50,234	49,734	49,234	48,734	2,085	2,085	2,085

PART II:Strategic plan

Based on the monthly result of the cash flow, the student must prepare a written plan on how to finance cash deficits and/or how to use financial surpluses, that is, they must prepare a strategic plan for personal or family finances, for the horizon of the projection. Additionally, the plan must include: a. Analysis of the financial situation based on adjusted financial indicators. Please use the financial indicators that you deem relevant that especially reflect your liquidity situation, profitability, efficiency in the management of your assets, and debt. Below is an example of a table that you can use:

	January 2024	February	March	April	Mayo	June	Meta
Liquidity	1.46
Total debt	75%						50%
Short term debt	3.4%						20%
Interest coverage	89.6
Net margin	77.0%
Asset Profitability	12.2%
Working capital	$ 9,450

b. Based on the financial indicators from the previous point, establish the financial strategy that will allow you to improve your financial situation in the horizon of the cash flow projection: July 2015 to February 2016. For this it is very important that you understand what the meaning of each indicator and how to improve it. Selling unproductive assets, paying off more expensive and initially lower-value liabilities, reducing unnecessary expenses and other financial strategies can improve these indicators. You must be very clear and consistent with your own figures. It is not enough to repeat the above. The clear proposal that demonstrates the improvement of each indicator must be identified.

c. Present the financial indicators where the formulas are evidenced on the same file

and deliver a word document that explains in detail the actions that will carry out your strategic plan and your personal financial plan.

Based on the monthly cash flow result and the strategic plan, the student must prepare the adjusted cash flow for the projection horizon. This adjusted plan must reflect a healthy liquidity balance, with eventual alarms and adjustment plans required for the projection horizon.

If the monthly cash budget sheet lacks details, subtotals, totals, is very simplified, is not in accordance with the financial goals or contains grammatical and spelling errors, the corresponding points will be deducted from the grade.