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Budget large items as a fixed amount each month I budget everything as a monthly expense and pay my savings account until the bill is due. This is pretty similar to the "rollover" method that Nosjack mentioned, but something about the negative numbers isn't intuitive to me. Actually transferring the money makes it work in my brain when I see the budget ...


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How do I manage the deferred expenses/savings on my budget sheet? Am I overcomplicating it? I feel like I'm double counting it if I add it as income. Expenses are money that you spend some time during the month, right? You spend the Food line item on, obviously, food, and you spend the Mortgage line item on the mortgage company. Similarly, you "spend"...


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I feel like I'm double counting it if I add it as income. I think you're misinterpreting deferred expenses. Let's take a simple example. Say you earn $1,000 this month and next month. Your only expense will be next month for $2,000. So this month you have $1,000 in (pure) income and $1,000 in deferred expenses and everything balances (you should have $1,...


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I do not use a spreadsheet for our budget, I use Mint (I am not affiliated with Mint, but I would recommend it). But, this advice might still be applicable. Have a "rollover" balance from month to month In Mint, I check a box for a budget category and it will automatically rollover used/unused amounts to the next month. So, if I budget $100 for gas then ...


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Consider four levels of result as cash-burn, revenue, free-cash-flow, and income. Then set the company at the highest level that it reaches. If the company reaches "revenue" then it has a price-to-sales ratio or if the company reaches "income" then it has a price-to-earnings ratio. Then the obvious question is "price" as what is the company valued at ? For ...


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1) How do I go about evaluating (in terms of strategy) current and possible future financial state of a startup? You don't. You lack the experience and knowledge of business history to be able to frame outcomes. For example, the inventor of the FM radio died in poverty because RCA records, which owned the patents on AM radio, used its power to work daily ...


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You need to create a business plan. That involves analyzing and quantifying quite a few different items which are very complicated. If you don't have any previous experience or education on this type of work, you should refuse doing it. If you show up in front of potential investor or client with a half baked or amateurish business plan, you will do more ...


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