Me : Wow ..4 days of holidays. It is time for me to see the world again.
Angel : What do you mean by see the world?
Me : Checking up my bills; electric bills, astro bills, water bills and banks bills.
Angel : Alright, then I better take a nap first.

——————–After 20 minutes——————–

Me : OMG!! So many bills need to take care of. Kill me please.
Angel : HOoOO!!! Ken, can you lower down your voice? You wake me up jor.
Me : No, Angel. So much of bills need to pay again.
Angel : Hahaha, now you noticed.
Me : Don’t laugh at me. Please help me.
Angel : How can I help you? That’s your problem and I’md not able to print money 
           for you!
Me : (T_T) At least can you let me know what can I do?
Angel : Ok, your problem is you do not know how to maintain your cash flow.
 Me : Cash flow?
Angel : Yes, movement of your cash.
Me : So what should I do to maintain my cash flow.
Angel : Since you just starting up you should do it in a simple way.
Me : Simple way? How?
Angel : You need to list out all your 4 types of cash flows.

——————–Operational Cash Flow——————–

Angel : First, operational cash flow. You need to identify all earning and also
           spending cash in order to let you survive in this world.
Me : Hmm, how to categorize then?
Angel : Identify your constant earning and constant spending.
Me : I got you, constant earning is my salary and constant spending is my bills,
       clothes, dine and also entertainment. Am I right?
Angel : Yes, you are.
Me : Ok, after that?

——————– Investment cash flows ——————–

Angel : Ok then, you need to identify your investment cash flows.
Me : Example, please…
Angel : That you use for your long-life asset such as houses. Understand?
Me : Hmm, ok.

——————– Financing cash flows ——————–

Angel : Good that you understand. Next will be the financing cash flows.
Me : Financing cash flows?
Angel : Yes, all you debts and also your share, funds and short term investment payout.
Me : I will list them out all.

——————– Future cash flows ——————–

Angel : The last one, identify your future cash flows
Me : How to do that?
Angel : Put it a list on what or when you will be going to spend your cash in
           next 6 to 12 months.
Me : Huh?! What for?
Angel : This is use to make sure you will not overspending and able to set priority on
           what you going to spent first.
Me: Wow.. Thank you so much. Suddenly I feel that you really my angel.
Angel : (=.=) I always your Angel, just you did not notice about it.

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