cash flow projected for 2010..haha

finally i did some accounting instead of just dutifully paying my bills..
n i decided in order not to let my shift allowance gone to waste to senseless spending . shopping and card bills. i did a cashflow statement ..n it looks like this..
2.18am 122809


Cashflow for the month projected
Expenses for month of Jan 2010 estimated
Fixed expenses
salary XXXX
less insurance XXX
dad allowance XXX
phone + internet XXX
Transport + taxi XXX
XXXX
less
Variable expense credit card Due Date Expenses for dec payable in Jan 2010
POSB Feb 7 2010 XXX
Robinson Feb 31 2010 XXX
UOB Feb 8 2010 XXX
NTUC fairprice ocbc nil nil
XXXX

less: variable ( angbao to dad for cny )
Disposable income for the mth XXXX

add : Income
OT -variable
refund from taxi claim
flexi cash
friendly loan shark from debtor

Net cash for future saving/investment XXXX

thank gd my variable expenses for mth of dec went down compared to mth of nov..
by about $181

next goal is to pay off all instalment plan.. never believe in instalment although short run u r not so tight . long run i think its still better to keep a clean bill of expenses

o/s epp projected amt XXXX
spilt in about 5 payments. which i intend to pay off by may 2010
n to convince myself not to get designer bag by instalment payment
better to settle it off in one bill than to drag by 12 months
the only people on earth which thinks instalment is gd.. happens to be another group of minority, in tis case i dun mean to be racist mainly the angmo.. malays especially n ah neh regardless india indian or sg indians..

projected saving by numbers would be to cut variable spending after settling epp ( o % instalment plan in 2010 by about 10 % )
e.g avg of 4 cars estimated -20%
meaning currently e.g $800 for 4 cards
$200 per card
to keep to $500 for 4 cards
avg $125 per card

which will in turn increase factors like disposable income, increase variable income such of OT
hoping to bring in extra of avg $500 if i clock in OT whick makes me a even higher 3..
assuming variable expenses decrease n gradually increase in disposable in terms of variable income
to achieve about 15k in 2 yrs
each month equates to 625 per mth

meaning OT variable ( avg $500 + original income at least $200 ) will earn me at least 10k aft i work with citiphone shift team..
which can also be derived as ( shift allowance $500 + $150 )
= 650 x 24 = 15,600

which oso can be derived as no more big ticket items for the next 24 items, extravagant holiday trips and luxury expenses..

therefore korea/japan trip could be eliminated from the list..