12 Days of Cash Flow Wisdom — Wrapped Up 🎁

Over the past 12 days (maybe a few other days have past since then!!), we’ve walked through a practical roadmap for strengthening cash flow and finishing Q4 with clarity and control.

Each newsletter focused on one actionable area that, when combined, builds a disciplined and proactive financial strategy. Did you miss it or just subscribe?

Here’s what we covered:

1. Q4 Cash Flow Game Plan
We kicked off by establishing your starting point — reviewing your current cash flow statement, identifying large outflows, and setting the stage for 11 days of actionable insights to help you finish strong and enter 2026 prepared.

2. Review Receivables
We focused on the lifeblood of cash flow — collecting what’s owed. The takeaway was to review your aging report, follow up on overdue invoices, and stop letting customers treat your business like a bank.

3. Tighten Payables Strategy
This step emphasized aligning payments with inflows, maintaining strong vendor relationships, and negotiating terms where appropriate. It’s not about delaying payments — it’s about managing timing strategically.

4. Forecast With Precision
We built a rolling 13-week cash flow forecast to bring visibility and control. This tool helps predict shortfalls before they happen and gives you time to make smart decisions.

5. Control Discretionary Spending
We tackled unnecessary spending and discussed delaying nonessential expenses like travel or upgrades until January, keeping liquidity available for payroll, suppliers, and taxes.

6. Focus on Inventory
Here, we looked at how excess inventory ties up cash. The focus was on liquidating slow-moving items, reducing carrying costs, and turning stock into cash before year-end.

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7. Watch Debt and Interest Costs
We reviewed loan balances and credit lines to find ways to lower interest costs, pay down high-rate debt, or consolidate where possible — freeing up cash and improving flexibility.

8. Strengthen Customer Payments
We discussed incentivizing early payments, tightening terms, and staying consistent with follow-ups. The message: cash flow discipline starts with clear expectations and communication.

9. Daily Cash Check
We introduced the daily 10-minute habit of balancing your accounts. It’s a simple but powerful way to catch issues early, prevent overdrafts, and stay informed about true cash position.

10. Align With Your Team
Cash flow is everyone’s responsibility. This newsletter focused on communication — sharing priorities across departments to make sure sales, ops, and finance all pull in the same direction.

11. Prep for Year-End Taxes
We covered tax planning: setting aside funds, reviewing deductions, and consulting with your CPA now instead of waiting for January surprises. Proactive planning saves cash and stress.

12. Finish Strong & Reset for 2026
The final message tied it all together… review what worked, what didn’t, and carry forward the habits you built. Cash flow management isn’t seasonal; it’s a year-round mindset.

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