Cash flow is about timing. You can be profitable on paper and still feel broke if invoices are slow or expenses pile up at the same time. A simple forward look can make things much calmer.
Separate Personal And Business Money
Start by keeping a dedicated business checking account. Ideally, also create separate buckets for tax savings and owner pay. This gives you clarity without complicated software.
Map The Next Quarter
List expected client payments by week or month. Then list fixed expenses like software, rent, and salary. Add any planned annual costs. This rough map will show where things may feel tight.
Choose A Pay Yourself Rhythm
Instead of random draws, pick a set day twice a month to transfer owner pay from the business account. Adjust as needed each quarter based on how the business is doing, but try not to react in panic to every small wave.