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As you can see from the information in handout 2, on January 1 Fred had $5,000 in a money market fund. However, even after that transfer he is still short $4,000 (line 27).
The next source of cash is borrowing, either in the form of operating funds or intermediate and long-term loans. As you probably remember, Fred plans to borrow $5,000 when purchasing that piece of machinery. After entering that amount on line 28, Fred has an ending cash balance of $1,000 (line 31), which is the beginning cash balance for the next year.
However, the year can be divided into quarters, months, weeks, or even days. Each division provides a more detailed projection, but normally projected cash flow statements are done either quarterly or monthly.
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