Let’s Talk About Cash Flow Before the Holiday Rush Hits
We’re one week into Q4, and the energy right now is big: New launches, promo plans, inventory restocks, holiday events, year-end pushes.
But before you throw another offer into the world or order 300 branded gift boxes…Let’s talk about cash.
Because revenue might be coming, but cash flow is what makes sure you can breathe while you wait for it to land.
Why Cash Flow Matters Right Now:
- You’re likely about to spend more, for promos, events, client gifts, or even just higher Q4 operating costs.
- Your receivables may slow down; Hello, late invoices and clients ghosting before the holidays.
- You may be planning bonuses, profit distributions, or taxes…and you can’t do that if you’re bleeding out in November.
What to Check This Week:
Take 30 minutes to get a pulse on these numbers:
- Cash in the bank – What’s truly liquid and available to you?
- Outstanding invoices – What’s owed to you, and when are you really going to see it?
- Planned expenses – Include subscriptions, payroll, inventory, events, and marketing.
- Buffer zone – Do you have one? Or is your bank account riding the rollercoaster again?
A Quick Forecast Formula (No Fancy Software Needed):
Cash on hand
➕ + Cash you expect to collect in the next 30 days
➖ – Cash you’re about to spend in the next 30 days
If that number makes you nervous?
You’ve got time to course correct…but NOT if you ignore it.
Bottom Line:
Cash flow isn’t about panic. It’s about proactive decision-making, so you’re not in survival mode during your busiest season.
Plan now, while there’s still room to adjust. Because the end of the year is coming fast… and your numbers aren’t going to manage themselves.
Need help forecasting cash flow for Q4?
Drop a comment or message me “cash clarity” and I’ll send you a simple forecasting tool you can actually use…no CFO required 😉
