Cash Flow Budgeting Assistance

My income and expenses never seem to align, making it hard to hit the savings targets I’ve set for myself. I need a solid cash-flow-focused budgeting plan that shows exactly where money comes in, where it leaks out, and how to redirect those funds toward my goals.

Here’s what I expect:
• A clear month-by-month cash-flow model (spreadsheet or similar) based on my current income streams and fixed/variable costs.
• Practical, step-by-step recommendations to improve liquidity—covering timing of bills, buffer amounts, and priority payments.
• A simple dashboard or summary I can update on my own each month.

Accuracy, clarity, and usability are key; the final plan should be something I can maintain without advanced software, ideally in Excel or Google Sheets.