Most Skip This—Big Mistake

Happy Sunday to each of you!

If you want to get serious about managing your business, you need more than a gut feeling about your bank balance. You need visibility and that’s exactly what a 13-week cash flow forecast gives you.

This is one of the most practical tools a business can use. It’s short-term enough to be actionable but long-term enough to see what’s coming. With just one spreadsheet and a bit of consistency, you can spot cash shortages, prepare for growth, and avoid being blindsided by slow sales or delayed payments. I’ve used this for a long time for clients, my work, and my business!

At its core, a 13-week cash flow is a week-by-week projection of your expected cash inflows and outflows. It’s not just a budgeting tool, but it’s a decision-making tool. When done right, it becomes your early warning system.

What a 13-Week Cash Flow Helps You Do:

• Plan with Clarity: Instead of guessing, you’ll know exactly what’s coming in and going out…and when.

• Manage Seasonality: Anticipate tight cash periods before they hit and build in buffer weeks during slower seasons.

• Prioritize Payments: Make confident choices about who to pay and when, without overextending yourself.

• Support Growth: Expanding? Hiring? Buying equipment? This tool helps you see if your cash can support the move.

• Communicate Better: Whether you're reporting to a board, a bank, or your leadership team, the forecast brings transparency to the table.

When you update it weekly, you stay proactive. You can make changes before you're in trouble and not after. And even if your revenue is unpredictable, you’ll still have a clear view of your cash reality.

A 13-week forecast won’t solve all your financial challenges, but it will keep you informed, focused, and far less stressed during the month.

Want a free consultation and instant help with this for your business? Email me “13 week help” and we’ll get rolling!

Sponsoring the Cash Flow Chronicles today is Timeplast

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Contact me if you’d like to network or partner together. I’d love to chat with you more about the services I offer on the side through Guernsey Consulting. If you do not know, I work full time in Treasury Management and do consulting on the side. Would love to chat or network with you about it.

Some of those services are listed below that we can help you with!