Cash Flow Calm in a Feast-or-Famine World
Give every dollar a job. Allocate a fixed percentage of incoming payments to taxes, operating expenses, and a steady owner’s draw. Paying yourself the same amount on the same day each month smooths stress and clarifies whether rates or capacity need adjusting. This structure balances flexibility with responsibility and keeps business management from becoming an emotional roller coaster.
Cash Flow Calm in a Feast-or-Famine World
Open a separate tax account and move a set percentage there the moment invoices are paid. Calendar recurring reminders for quarterly deadlines and keep a one-page summary of payments for quick reference. Even if you work with an accountant, a simple rhythm prevents last-minute scrambles. Peace of mind is profitable; when tax season feels calm, client work gets your best energy.
Cash Flow Calm in a Feast-or-Famine World
Aim for three to six months of essential expenses in a buffer account. Track your pipeline lightly—leads, proposals sent, close rate, and average project length—so you see slowdowns coming. This gives you time to market calmly instead of accepting misaligned work. That small spreadsheet can be the difference between balanced, thoughtful business management and frantic, reactive freelancing.
Cash Flow Calm in a Feast-or-Famine World
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