Make money, commitments and risks visible

Visibility before optimisation

A precise-looking forecast is not useful when the inputs are unknown. Begin with balances, confirmed income, essential costs, debts and dated commitments. Label estimates clearly.

Build the snapshot

Record current accessible cash, income expected within 30 days, essential outgoings, minimum debt payments, tax or statutory amounts, and business commitments. Do not include hoped-for income as confirmed.

• □Amount
• □Due date
• □Confidence
• □Consequence if missed
• □Next action
• □Evidence location

Run a dependency test

Remove your largest expected income from the next 30 days and look at the result. Record which obligations fail first and one lawful, realistic mitigation. Seek qualified advice where necessary.