Sales are budgeted at $340,000 for November2019, $320,000 for December2019, and $330,000 for January2020.

Collections are expected to be 85% in the month of sale, 14% in the month following the sale, and 1% uncollectible will be recorded as bad debt expense.

The cost of goods sold is 60% of sales.

The company purchases 78% of its merchandise in the month prior to the month of sale and 22% in the month of sale. Payment for inventory is made in the month following the purchase.Depreciation is $20,200per month.

Other monthly expenses to be paid in cash are $18,000.

Other information as at 31 Oct 2019:

Cash$42,000

Accounts receivable (net of allowance for uncollectible accounts)$85,000

Accounts payable$218,000

Ignore taxes.

How to prepare schedule of cash budget, especially for the cash disbursement and ending cash balance?