Uncomplicating Cash Flow: Three Steps to Financial Control
In this episode, we’re taking the fear out of one of the most powerful tools in your financial toolkit: cash flow forecasting.
I’m Deb, a Profit First Professional, and I’m here to show you how forecasting your cash flow isn’t complicated—it’s liberating. Once you understand it, you’ll no longer be guessing what’s coming next. You’ll be planning with clarity, making stronger decisions, and reducing stress.
I’ll walk you through a simple three-step method to create your own cash flow forecast. No jargon. No overwhelm. Just a clear view of where your money’s going—and how to take control of it.
Because your business should support your life—not leave you constantly on edge about what’s in the bank.
About the Podcast:
This episode of the Financially Healthy Business Podcast is designed for every business owner who’s ever felt anxious about money, unsure what’s coming next, or stuck in reactive mode.
I’ll show you how cash flow forecasting can become one of your most empowering habits, giving you the foresight to plan, pivot, and grow with confidence. We’ll cover:
- The truth about why cash flow matters more than just profit
- How to predict your financial position with ease
- A practical, three-step system to get started today
You'll come away with both the tools and the mindset to treat cash flow forecasting as a form of business self-care.
In just 15–20 minutes, this episode will help you stop guessing and start planning—so you can build a business that funds your freedom, not your fears.
Forecast your cash. Free your mind. Take control.Takeaways:
- Effective cash flow forecasting provides clarity and control over financial management.
- Utilizing a simple cash in and cash out list helps track financial movements easily.
- Understanding your financial status alleviates stress and enables strategic planning for the future.
- The podcast emphasizes that cash flow management does not require complex tools or software.
- Taking the time to forecast cash flow liberates business owners from financial uncertainty.
- The episode encourages business owners to share insights and promote financial health among peers.
Links referenced in this episode:
Companies mentioned in this episode:
- Accounts Ladies
- Accounts Office Academy
- Financially Healthy Business
Transcript
Foreign Healthy Business Podcast for business owners who want the confidence on cash flow that supports the life they actually want to live.
Speaker A:I'm Deb Halliday, Profit first, professional founder of award winning accountancy practice the Accounts Ladies and the Accounts Office Academy and author of how to Build a Financially Healthy Business.
Speaker A:Learn how to take control of your finances, reduce stress and grow sustainably because your business should support your life, not consume it.
Speaker A:Let's get started.
Speaker A:Welcome back to the Financially Healthy Business Podcast.
Speaker A:I'm Deb Halliday and today we're breaking down a topic that might sound intimidating, cash flow forecasting.
Speaker A:But I promise we're doing it without spreadsheet, spread stress or sleepless nights.
Speaker A:If the phrase cash flow forecast makes you want to switch off, stick with me.
Speaker A:I'm about to simplify it in a way that will give you peace of mind.
Speaker A:Let's get into it.
Speaker A:Think of a cash flow forecast as a look ahead, a way to map your money before it even hits your bank account.
Speaker A:It's not about fancy software or hours of number crunching.
Speaker A:It's about knowing what's coming in and going out so you can make smart decisions.
Speaker A:And trust me, once you get the hang of it, it's liberating.
Speaker A:Here's how to do it in three easy steps.
Speaker A:I'm going to use small numbers so that is very easy to follow along.
Speaker A:1.
Speaker A:Start with your current bank balance.
Speaker A:That's your starting point.
Speaker A:Let's say £1,000.
Speaker A:2.
Speaker A:List what's due to come in this month.
Speaker A:Client payments, recurring revenue, anything you got booked.
Speaker A:Maybe 2,500 pounds is coming from a project next week.
Speaker A:3.
Speaker A:Then list your upcoming outgoings, wages, subscriptions, software, tax.
Speaker A:Let's say that's £1,800.
Speaker A:Now subtract your expenses from your income.
Speaker A:£2,500 minus £1,800 leaves you with £700 plus your starting £1,000.
Speaker A:So you're at £1,700 for the month.
Speaker A:That's your rolling 30 day window of clarity.
Speaker A:You can see if you're in the red and need to chase a payment.
Speaker A:Want to make it even easier?
Speaker A:Grab a whiteboard or a paper calendar, write down your ins and outs and tick them off as they happen.
Speaker A:It's low tech but it works.
Speaker A:This gives you control and when you have control, you stop panicking and start planning.
Speaker A:Your action step this week is to do a simple cash in cash outlist for the next 30 days.
Speaker A:No fancy tools required, just a pen and paper will do.
Speaker A:To take it further, visit financiallyhealthybusiness.co.uk and sign up for our Financially Healthy Business program.
Speaker A:Cash flow doesn't have to be complicated.
Speaker A:It's about knowing where you stand so you can breathe easier.
Speaker A:Next time, we'll tackle a sneaky problem called Shiny Object Syndrome.
Speaker A:Until then, take care.
Speaker A:Thanks for tuning in to the Financially Healthy Business podcast.
Speaker A:If today's episode helped you take a step closer to building a business that supports your life, share it with a fellow business owner, follow the show, or leave a review.
Speaker A:It all helps to get the message to the people that need it.
Speaker A:For further Support, head to www.financially healthy business.co.uk to find out more information on my online coaching program.
Speaker A:You didn't start your business just to survive.
Speaker A:You started it to thrive.
Speaker A:Till the next time.
