Understand your finances. Decide better.
Practical guides on liquidity, pricing, reserves and financial planning – for freelancers and small businesses.
Emergency Fund for Freelancers: How Much of a Reserve You Really Need
Set aside three months' net salary? For freelancers, that rule falls short. Here's how to calculate your cash reserve and build it up step by step.
LiquidityCalculating Runway: How Many Months Will Your Business's Money Last?
Runway shows how many months your business can keep going on the money it has. Formula, example and interpretation – no jargon.
LiquidityAvoiding a Cash Shortfall: Spot the Early Warning Signs, Act Early
A cash shortfall usually announces itself weeks in advance. Which early warning signs you should take seriously, and what you can actually do before the account runs dry.
LiquidityCalculating Cash Flow for Freelancers: Formula and Example
Your cash flow shows whether there's really money left over – not just on paper. Here's how to calculate operating cash flow with a simple formula and a worked example.
LiquidityHow to Create a Liquidity Plan: A Template with Columns, Rows and Formulas
A liquidity plan doesn't need 40 rows. This template shows you the columns, rows and formulas – with a fictional example you can rebuild in Excel.
LiquidityLiquidity Planning for Freelancers: Build Your Own Liquidity Plan in 5 Steps
A liquidity plan shows you month by month whether your money will last – long before things get tight. Here is how to build one yourself in an hour.