Guides
Free guides to download, and short articles on cash, month-end and what you can take out of the business.
Free guide · PDF, 15 slides
Why the two policies exist, the five settings you choose, how a quarter's test runs, and the decisions that are yours.
Free guide · PDF guide + Excel template
How to build a 13-week cash forecast, what goes in it, the lumps that catch owners out, and a free template to fill in.
Free guide · PDF, 11 slides
The five steps of a real close, what proves each balance, the journals most often missed, and the ten-day calendar.
Budgeting
Why last year plus ten percent isn't a budget, why nobody can say what's driving the variances, and the monthly habit that turns a budget into a tool you actually use.
Working capital
How owner-led businesses can set a working-capital buffer from their own numbers, what it protects, and why it makes the "what can I take out?" question easy.
Cash
Why the P&L and the bank balance can't answer the question every owner asks, and the simple weekly view that can.
Owner questions
A plain-English way for owners to work out what's genuinely surplus before a dividend or drawings, without guessing from the bank balance.
Month-end
Most businesses stop posting to the month rather than closing it. Three signs yours isn't closed, and what a real close looks like.
Owner questions
Your accountant is doing their job well. The question is whether the business now needs a second one: someone on the numbers every month. Six signs it's time.
Cash
Why a business can report a profit and still feel tight on cash, the four usual causes, and how to see each one coming months ahead.