Cash flow
Know your numbers and keep cash flowing.
How a corner cafe rode out a slow winter
An illustrative tale of two cafes facing the same quiet season, and the one small habit that decided who was still open in spring.
See a cash crunch 13 weeks before it lands
A simple rolling forecast turns nasty surprises into things you can see coming and steer around.
Know your numbers in ten minutes a week
You do not need to be an accountant. A simple weekly check keeps cash flow from ever surprising you.
Find the number you have to hit each month
Your break-even is the line between a stressful month and a calm one. Here is how to work out yours in one sitting.
Ask for a deposit before you start
A deposit funds the work instead of your own pocket, and it quietly filters out the clients who were never going to pay.
Build a one-month cash cushion
A small buffer turns a scary slow month into a shrug. Here is how to build one without a big windfall.
Split your business and personal money
One mixed account hides the truth about your business. A clean split makes every decision, and every tax season, easier.
Set aside tax before you ever spend it
The tax bill is a date on the calendar, not a surprise. Skim a slice the moment money lands and it stops hurting.