After that, your P&L will subtract other costs. The final equation at the bottom of your P&L then is. So here is the unique and complete version of B.R.S template that you can confidently download them. And use them in your presentations and other professional work. For all the hidden services charges, bank is credit and the service account is debit; whereas according to the reason and nature of every balance amount, corresponding accounts are prepared and adjusted. You can easily download Bank Reconciliation Statement template on internet. And, above all, make changes in your plan on these pages as that plan unfolds and you see the need for changes. You think about it, just the American economy. People spend a whole lot of money in the fourth quarter for the holidays and then they turn around and they have to pay all their bills in Q1, and the tax time comes, so that also relates to small businesses in general from my opinion. This article is worth sharing with anyone who has a goal.