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January is when small cash flow mistakes quietly set the tone for the entire year. Fixing them now is easier than cleaning them up later in the year.
Most businesses don’t run out of cash because sales are bad. They run out because timing, follow-ups, and visibility are loose or non-existent. That’s something you have to come to terms with and fix within your team or business now if you want this year to be your best yet.
Watch these early warning signs
Cash balance looks fine, but feels tighter every week
Customers say “payment is coming” with no clear date
Bills are paid based on urgency instead of priority
Tighten control where it matters
Separate cash you have from cash you are waiting on
Track your largest receivables weekly, not just totals
Know which vendors can wait and which cannot
Protect January momentum
Do not let past-due invoices slide because it’s a new year
Do not assume last year’s expenses will stay the same
Do not wait until payroll stress shows up to act
Simple discipline goes a long way
Clear payment commitments, regular AR reviews, and intentional payment timing prevent most cash surprises. None of this requires new software or complex models. It requires consistency from you.
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