Cashflow forecast for a small business (simple 6-month example) A business can make a profit over the year and still run out of money in one bad month. A cashflow forecast shows you that month before it happens, so you can act early instead of panic...

How to get paid on time as a freelancer (with an EU late payment example) Late invoices hurt a freelancer more than a low rate. The work is done, the bills keep coming, and the money sits in someone else's account. This guide covers three thing...

A busy stall feels like a good day. But sales are not profit, and a fair takes far more hours than the opening times suggest. Before you book the next market, run the numbers on the last one. Step 1: Collect five numbers Example, a one-day winter cr...

Many freelancers lose good clients at the proposal stage. The client asks for a price, gets one number, and either says yes, says no, or goes quiet. A short proposal with three options and a simple view of your pipeline fixes most of this. Step 1: K...

November and December are the busiest months for many handmade shops. The problem: you pay for materials weeks before customers pay you. A profitable season can still leave you with an empty account in October. A three-month cashflow plan shows the ...

The most common money shock in a freelancer's first year is not a late client. It is the tax bill that arrives months after the money was already spent. The fix is boring and it works: move a fixed share of every payment into a separate account...

This page collects all guides on this blog in one place. Each guide uses one worked example with real arithmetic, so you can copy the method with your own numbers. Pick the section that fits you. If you are a freelancerSet your price. How to calcula...

How to calculate your freelance hourly rate (with a worked example) Many freelancers set their hourly rate by looking at what others charge. That tells you what the market accepts, but not whether the rate actually pays your bills. The calculation b...