You know that message that always comes at the worst time? “Hey! Can you make a cake for Sammy’s birthday? Nothing too crazy… maybe a friends & family price?” Ten minutes later you’ve agreed to a full custom cake at a big discount “because you’v...

You look at your sales for the month and the number feels decent. Maybe $3,200 came in as deposits. You subtract the obvious stuff: flour, butter, chocolate, boxes and think, okay, that leaves something reasonable. Then you check your bank balance ...