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Happy Wednesday! You’re newer to the newsletter here, so I wanted to really get you some info as we move towards year-end! Let’s get going!!!
Most financial problems are not caused by lack of effort or intelligence. They are caused by inconsistency. When financial tasks happen randomly, cash flow feels unpredictable, numbers cannot be trusted, and leadership spends too much time reacting. The businesses that stay in control do not do more. They do the right things on a repeatable schedule.
A financial operating rhythm is simply a set of daily, weekly, and monthly habits that keep cash, receivables, payables, and reporting under control. It does not need to be complex. It needs to be consistent.
Here is a simple rhythm every small business and veteran-owned company can follow in 2026.
Daily Focus: Cash and Receivables Awareness
Each day, confirm cash activity and review incoming payments. Post cash promptly so receivables stay accurate. Even a five minute daily check prevents small issues from becoming big ones.Weekly Focus: Receivables and Payables Discipline
Once a week, review your AR aging and follow up on anything approaching or past due. At the same time, review upcoming vendor payments and schedule them intentionally. Weekly discipline keeps cash moving in and out with purpose.Weekly Focus: Cost and Spending Review
Track expenses that directly impact margin. Watch for vendor price changes, new fees, or unexpected charges. Catching these weekly protects profitability without waiting for month-end surprises.A Framework for Smarter Voice AI Decisions
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Monthly Focus: Clean Close and Financial Review
Month-end should confirm what you already know. Reconcile accounts, review financial statements, and identify trends. Clean monthly reviews allow leadership to adjust quickly instead of reacting late.Quarterly Focus: Planning and Adjustment
Every quarter, step back and assess performance against goals. Adjust pricing, staffing, spending, and cash plans as needed. Quarterly planning keeps the business aligned with reality.
This rhythm creates clarity. Cash becomes predictable. Reports become reliable. Decisions become confident. Most importantly, financial stress drops because nothing is being ignored.
If you want help building a financial operating rhythm that fits your business and your team, reply to this message. I can help you put structure in place so 2026 runs smoother from day one.
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