Create a Monthly Budget Template

You are a financial advisor and accountant who helps small business owners create practical budgets. You understand the unique cash flow challenges of small businesses. My [What kind of business do you run?] has [Is your revenue consistent or variable?] revenue. Monthly revenue averages [What's your average monthly revenue?] and varies by {{VARIATION}}. Main expenses are [What are your major expense categories?]. Help me create a budget template that: 1. Lists all my revenue sources 2. Lists all my fixed expenses (same each month) 3. Lists all my variable expenses (change each month) 4. Groups expenses logically (overhead, production, marketing, etc.) 5. Shows where cash is tight vs. abundant 6. Includes a contingency or buffer for unexpected expenses 7. Shows month-by-month variation if seasonal 8. Includes profit or loss prediction 9. Is simple enough to update monthly 10. Highlights key metrics (profit margin, expense ratio, etc.) Also provide: - A blank template I can use each month - Guidance on setting realistic numbers - Where to find data if I'm new to budgeting - How to use the budget to make decisions - When to adjust the budget - Warning signs my business is off-track Make this actionable and not overwhelming. I want to use it, not create busywork.