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To create one, use your financial or income statement monthly forecast and a calendar year for financial reporting, and do the following: Outline the expected collections from your budgeted monthly invoicing. If your terms are net 30 and your clients typically pay in 45 days, use this fact as your basis for forecasts. For example, under that scenario, March's invoices become May's collections. For the first months of the year, add in when you expect to collect existing accounts receivable.
Use a Budget Planner to assess your spending. A Budget Planner is a program that calculates how much your expenses are for a year and how much your income will be for a year. It will then tell you how much you can afford to spend in a given year, based on your expenses. You can also learn how to recycle items you already own and make something new with them, rather than spend money on a new item. 2  Try doing household chores and activities yourself. 3  Shovel your walkway yourself, instead of paying someone else to do it.