Cash Flow Patterns
Cash flow is money in less money out. Most households have a repeating shape to their year, and knowing yours is what separates an unusual month from an unusual habit.
Income − Expenses = Net Cash Flow
Three states
- Positive. Cash grew over the period.
- Zero. Income and spending matched.
- Negative. The gap came from savings or from credit.
The monthly chart plots this directly: bars above the line are positive months, bars below are negative.
This content is educational and informational only. It is not financial, investment, or tax advice. Consult a qualified professional before making financial decisions.