Cash Flow Forecasting Tool



  • 1. Bills&Deposits - 401k Stocks
    I am currently using Microsoft Money 2003 Deluxe. Twice a month, some of my pre-tax income goes towards 5 mutual funds in a 401k account (i.e. money doesn't come from Net Pay). All of my MS Money transactions are entered manually, and I am not planning on going back to electronic synchronizaiton. How do I capture this recurring deposit (Add Shares) in the Bills & Deposits section or anywhere else in Money. Thanks in advance for any help!
  • 2. Financial Institutions Not On Setup Page Money 2004
    Just got Money the other day. There are a few institutions I'm having problems with, however. The following are the institutions and the associated problems I'm having with them: 1. USBancorp -- I have a World Perks visa and it's asking for a username and 4 digit pin; I have a username and password, but the password isn't a 4 digit pin. 2. Piper Jaffray -- Pipper Jaffray now has web capabilities to download data from there site. Money, however, doesn't have Piper Jaffray in their list of institutions on the setup page. Could this be right? 3. E*Trade -- It's not recognizing my username and password. Is this b/c the servers are shut down at Etrade until 5PM. Thanks in advance! Andrew
  • 3. My bank is listed as supported, but it isn't
    We'll have them get right on that. "Dhalgren" < XXXX@XXXXX.COM > wrote in message news: XXXX@XXXXX.COM ... > Microsoft needs to update their list of supported finanacial institutions of Microsoft Money. They list Scudder as a supported account, but it is not...
  • 4. Investment cost basis
    Is there a way to override money's calculatin of stock's cost basis when it is changed by a spin off. The answer never seems to agree with the cost basis as calculated by the company. Example is that A T & T has cost basis calculators on their web site. These will recalculate the cost basis after an event like a spinoff. The results are almost always different than Money's calculations. It would be nice if we had the option of using Money's results or those of the Co. It seems that the only option we have is either zero value or Money's calculation BTW I'm using Money2004.

Cash Flow Forecasting Tool

Postby William R Wood » Fri, 21 Oct 2005 22:15:26 GMT

Dick Watson and Chris Cowles, both very helpful posters to this group,
recently alerted me to Money's Cash Flow Forecasting Tool (CFFT) so I am
mentioning it in case other Money users might not be aware how good it is.
I have been using Money since it first came out (don't really remember when
that was) and never seriously looked at CFFT until the past couple of days
after Chris and{*filter*} recommended it.   In fact, I was amazed when{*filter*} said
it was his most used Money feature.  I had tried CFFT years ago and it
produced crazy results and I wrongly concluded that it was another one of
Money's wacky examples of bloatware.  For many years I have used cashflow
analysis to keep from bouncing checks and I managed to basically duplicate
CFFT's results by pre-entering scheduled bills and deposits into my checking
account register about 3-4 weeks in advance.  This allowed me see my
projected account balances and worked quite well.  But the CFFT does the
same thing much easier and it is much more powerful.  My favorite part is
that I can now accurately project cash flow for any period of time in
advance using the custom date range function instead of being limited to the
3-4 week period I was using by manually pre-entering scheduled transactions.

You will need to customize the tool to fit your situation.  In Money 2002,
CFFT is in Accounts and Bills/Cash Flow Review (don't know where it is in
later versions but it should be easy to find).

First pick the account(s) you want to include in your cashflow report:  I
included our checking account and our main brokerage account because they
are the only accounts that receive and disburse the cash we live on.  All
other accounts receive/disburse money using transfers that do not represent
cashflow (which I define as new money in and actual money out).

Then click Customize Cash Flow and check the appropriate boxes:  I unchecked
Display Amounts from Budget under Budget Items and checked Display Scheduled
Bills and Deposits under Bills and Deposits.  [What you check depends on
your own setup.  I have an elaborate budget and a big list of scheduled bill
and deposits.  But we live off a credit card paid in full every month and
most budget items are paid by credit card so checking Budget Items
duplicated many expenses, thus I unchecked it.]  I also checked both boxes
under Other.  Click Done.

You are ready to go and can now display the results and adjust the report
time period to suit your needs.  I mostly use the Custom time period but the
drop down box has useful default periods as well.

The tool is great and shows a graphic display of the cash position in your
selected accounts individually and in combination over the time period you
select.  A numeric listing of transactions and a running balance is also
included so you can see the details.  The tool lets me see exactly when I
must transfer money from our brokerage account to the checking account to
cover bills.  With a little more fiddling I will now be able to compute a
new automatic transfer(s) that should permit our finances to run completely
automatically.  I love it.

Thanks again{*filter*} and Chris!


Bill Wood
Fountain Hills, AZ

RE: Cash Flow Forecasting Tool

Postby QW5keUNyMTU » Sat, 22 Oct 2005 06:53:01 GMT

I use something similar, in Money Deluxe its a Balance Forecast.  I recently 
upgraded and now it seems to average previous 'unscheduled expenses' into my 
forecast.  I want to turn this off, does anyone know how?

Re: Cash Flow Forecasting Tool

Postby Chris Cowles » Sat, 22 Oct 2005 07:04:34 GMT

Poke around in 'Change cash flow settings' on the left pane of the 'Forecast 
your cash flow' display.
Chris Cowles
Gainesville, FL

Re: Cash Flow Forecasting Tool

Postby QW5keUNyMTU » Sat, 22 Oct 2005 07:18:04 GMT

Thanks.  Actually, I was using Budget Forecast.  I then realised I could 
re-do my budget, and cut out all of the irregular expenses from my budget... 
and hey-presto, fixed.

Now I can use the actual Cash Flow Forecast instead of the Budget Forecast, 
and it works fine :)

Re: Cash Flow Forecasting Tool

Postby Chris Cowles » Sat, 22 Oct 2005 07:24:11 GMT

What version? 

Re: Cash Flow Forecasting Tool

Postby Dick Watson » Sat, 22 Oct 2005 07:51:25 GMT

Thanks for the kind comments and the detailed explanation for the group. I'm 
glad this is working out for you. From version to version, Microsoft has 
tried to break this. Used with some understanding what it does and how it 
does it, it can be a very powerful tool.

Re: Cash Flow Forecasting Tool

Postby Craig » Sun, 23 Oct 2005 09:55:56 GMT

I have been using the Cash Flow Forecast for several versions and agree that 
it is a very useful part of Money.  I other readers are not familiar, give 
it a look!


"Dick Watson" < XXXX@XXXXX.COM > wrote in 

Similar Threads:

1.What happened to my cash flow forecast?

I Recently upgraded to Money 2007 and all went well but when I try to access 
the Cash Flow forecast - nothing happens.

This feature worked fine after installation and I was able to adjust the 
various Cash Flow settings but now it doesn't work. Even the option to change 
the Cash Flow settings has disappeared. I've tried repairing the money file 
and deleting all the Bills data and starting again but nada, zip, no Cash 
Flow forecast, I'm just returned to the Bills Summery page.

Anyone else experience this or know why?

2.Cash Flow Forecast problem in MS Money 2006

The Cash Flow Forecast graph in my Money 2006 is not displayed. No error 
message is shown, however the area where the forecast has to be displayed 
doesn't get repainted, so I can see junk from other open windows after 
switching between applications.

MS Support article 312814 doesn't help. Bills and Deposits are now empty, 
there's no Debt Plan, Budget is deleted, Money data file repaired, all 
existing accounts carefully checked, however the problem still persists.

Please advise how I can repair it. Thanks.

3.Cash Flow Forecast & Canadian Edition of 2006 ??

Can anyone confirm that Microsoft has left the Cash Flow forecast out of the 
Canadian edition of Money 2006 (again) ??

4.Cash Flow Forecast 2003

I have MS Money 2003 Standard.
Cash Flow Forecast always figures the
forecast for 5 weeks, no matter
which time frame I choose.
We get paid weekly, and with Money figuring
everything for 5 weeks, it totally throws
everything off. 
Is there a way to configure it for 4 weeks
instead of 5 weeks?

5.Cash Flow Forecast - Deposits listed after Withdrawals

I am using Money 07 Deluxe.

I have used the cash flow forecast for years (I had Money 04 previously).  
It has always listed the deposits for any particular day before the 
withdrawals for that day (the items from my Bills setup).

Somehow, sometime within the past few days, the forecast started listing my 
deposits -last- for the day.  If I click the Date header twice, the problem 
remains... but if I switch the Time Period from whatever it's on (say 90 
days) to something else (say 12 months) and then back again (to 90 days), the 
deposits will then be listed first, as they should be.

The problem is that after I close and reopen Money, the deposits will again 
be listed last.  This ordering makes everything look wonky like I'm running 
my balances low, even though I'm not.

Any ideas?  This is driving me nuts!

P.S. - I schedule most of my bills to be paid on my paydays, so that the 
forecast doesn't have giant spikes for my paychecks.  This makes the balances 
"smooth" out, so the graph better reflects the average balance of my account.

6. Cash Flow Forecast

7. Forecast Cash Flow Not Working

8. 'Use current Advanced Budget' greyed out for Cash Flow Forecast

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