Family financial planning: an indispensable household balance sheet and statement of cash flow

Table 1: balance sheet

Full name. Date:
Assets	Amount (yuan)
Financial assets	Cash and now Gold equivalent	Cash
Demand deposit
Deposit
Other types of bank deposits
Money market fund
Cash income of life insurance
Cash and cash equivalents subtotal
Other financial assets	Bond
Stock and warrants
Fund
Futures
Foreign exchange investment
RMB (USD, HKD) financial products
Insurance and financial products
The securities of financial products
Trust financial products
Other
Other financial assets
Financial assets
Physical assets	Since housing
Investment in real estate
Motor Vehicle
Furniture and household appliances
Jewelry and collection category
Other personal assets
Physical assets
Total assets
Liabilities
Liabilities	Credit card overdraft
Consumer loans (including loans)
Business loan
Car loans
Housing loans
Other loans
Total liabilities
Net assets (total assets minus total liabilities)

Table 2: cash flow statement

Full name. Date:
One, the income
	Amount (yuan)	Percentage of total income
Wage and salary (after tax net income)	Mr Cheng
Cheng Taitai
Self employment income (fee and other non salary income)
Bonus and commission
Investment income	Interest
Capital gains
A bonus
Rental income
Other income
Other income
(I) the total income
Two, expenditure
	Number	The ratio of expenditure
House property	Rent / mortgage payment (including insurance and tax)
Repair, maintenance and decoration
The cost of Education	Tuition
Interest expense
Special training fee
The car	Loan payment
Gasoline
Repair and maintenance
The toll fee
Parking fees etc.
Insurance premium
Travel tax
The expenses of daily life	Water and electricity costs
Communication charges
Traffic expense
Daily necessities
Dining out
Other expenses
Buy clothing expenses	Clothes, shoes and accessories
Personal care spending	Cosmetics, hair care, beauty, fitness
Leisure and entertainment	On vacation
Other entertainment and leisure
Commercial insurance	Personal insurance
Property insurance
Liability insurance
Medical expenses	Medical expenses
Other items of expenditure
(II) expenditure
Cash balances (or over) [(I) and (II))