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[null,null,"Cash Flow Forecast"]
[null,null,null,null,null,null,null,null,null,null,"Click on the Cash flow tab"]
[null,null,"\"Can your business survive?\"",null,null,null,null,null,null,null,"below to begin"]
[]
[null,null,"A cash flow is the most important indicator of whether your business will survive the first 12 months. If you run out of money your business won’t last. A cash flow will help you see where money might be tight so you can plan in advance.  The worst scenario is running out of money without realising it was going to happen.",null,null,null,null,null,null,null,"Tip:  Run all figures past your accountant before showing your cash flow to people outside your business."]
[]
[null,null,"When preparing your cash flow remember:"]
[null,"1.","A good cash flow is not just a spreadsheet of numbers  It’s the document that people examining your business will spend the most time reading. You need to make it watertight. If there are gaps then people will wonder what else you haven’t thought through. \nAs you complete the cash flow, note the assumptions you’re basing the figures on. These will show anyone reading the cash flow how you arrived at these figures."]
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[null,"2.","Your forecast for the business must reflect a realistic balance between proper sales projections and an accurate costing and pricing of your goods and services.\nThe time you spend assessing a realistic sales level is crucial. You should outline exactly how you came to the sales figures for each month. Don’t forget seasonality. Sales rarely stay at the same level throughout the year.",null,null,null,null,null,null,null,"Tip: Not every invoice gets paid on time. You need to take this into account. You might decide that 80% of payments come in on time, 10% a month late and 10% two months late."]
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[null,"3.","Once you’ve outlined the sales for each month you’ll be able to estimate your costs. You need to explain in detail how you calculated these amounts.\nYou can be certain about some costs (for example, you can find out your rent), and some will be estimates (power and phone charges)."]
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[null,"4.","Check your capacity. Don’t put £50,000 for a month unless you can physically do it.  There are only a certain amount of hours in the day."]
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[null,"5.","5. If you can, find out your industry information such as average net profit and gross profit amounts.  If you differ from the average, people will want to know why."]
[]
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[null,"* Some cells in this workbook are protected to prevent accidental deletion of formulas.  To unprotect click Tools>Unprotect"]

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[null,null,"Cash Flow Forecast"]
[null,null,null,4,null,5,null,6,null,7,null,8,null,9,null,10,null,11,null,12,null,1,null,2,null,3]
[]
[null,null,"Select a month to start","Apr",null,"May",null,"June",null,"July",null,"Aug",null,"Sept",null,"Oct",null,"Nov",null,"Dec",null,"Jan",null,"Feb",null,"Mar"]
[null,null,null,"Expected","Actual","Expected","Actual","Expected","Actual","Expected","Actual","Expected","Actual","Expected","Actual","Expected","Actual","Expected","Actual","Expected","Actual","Expected","Actual","Expected","Actual","Expected","Actual"]
[]
[null,"Tip","RECEIPTS"]
[null,null,"Sales",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Other revenue",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"(A) Total Receipts",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,"Tip","LESS PAYMENTS"]
[null,null,"Wages",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Drawings",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Overheads (rent, power, etc)",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Marketing",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Repayment of loans",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"VAT payments",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Income tax payments",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Materials & stock",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"Other payments",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,null,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,null,"(B) Total cash payments",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,"Tip","(C)  NET CASHFLOW (A-B)",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,"Tip","(D) Opening bank balance",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[null,null,"Closing bank balance (D+C)",0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[]
[]
[]
[]
[]
[null,null,"Select a month to start"]
[null,null,"April"]
[null,null,"May"]
[null,null,"June"]
[null,null,"July"]
[null,null,"August"]
[null,null,"September"]
[null,null,"October"]
[null,null,"November"]
[null,null,"December"]
[null,null,"January"]
[null,null,"February"]
[null,null,"March"]