Cashflow basics
What is a cashflow planner?
A cashflow planner shows when money comes in, when money goes out and what your balance may look like after each event.
Most people do not run out of money because they forgot income exists. They get caught because bills arrive before income catches up.
Budget vs cashflow
A budget tells you whether the month should work. A cashflow planner tells you whether the timing works.
- Households can plan bills, subscriptions and groceries.
- Side hustles can plan irregular income and tool costs.
- Small businesses can plan supplier bills, tax savings and quiet weeks.