A cash-flow statement shows you where your money comes from and where it g first is the on. The oes. There are three sections. The section. It reflects all cash inflows including income from wages, gifts, investments, and so section is next, where expenses are classified as fixed or variable. And the last part is the of the cash in and cash out, which shows what you have left or what you have overspent in a given time period The following items may or may not appear on a personal cash-flow statement. Check "Cash In" or "Cash Out" accordingly if the item would appear on a personal cash-flow statement. If neither applies, leave both checkboxes empty Cash Cash In Out Restaurant meal expense salary Company-paid business me Interest on municipal bond Clothing purchases Rental income State tax refund Quarterly insurance Monthly rent payment Cash in less cash out results in a cash value. If this cash value is negative, it indicates that the individual or family has a cash als Expenses are categorized as fixed or variable depending on their nature. Categorize each of the following expenses as fixed or variable. Fixed Variable expenses are expenses that are Restaurant meal expense Monthly rent payment Quarterly insurance Clothing purchases usually contractual with a predetermined payment, typically equal, periodic payments The surplus (deficit) section of the cash-flow statement shows whether you added to your bank balance with a surplus or lowered your cash balance (or needed to borrow from savings) because of a deficit. Complete the surplus (deficit) formula that follows by selecting the correct term for each piece of the equation Surplus (Deficit) (Change in your cash (Cash in) (Cash out)