These Xero templates help you run a simple weekly money routine. Use them to check cash, protect profit, improve revenue quality, and make better decisions without building a massive dashboard.
Use this weekly cash template to stop spending money that is already spoken for.
Safe-To-Spend (Weekly) Date: Operating bank balance (today): Committed payments next 14 days (total): Safe-To-Spend = Operating balance - Committed payments Spending rule: - If Safe-To-Spend is negative: freeze optional spending - If Safe-To-Spend is low: approve only essentials Notes (1 line): Decision this week (pick 1): collect / delay / renegotiate / cut / reprice
Use this weekly cash template to build a simple truth list for cash decisions.
Committed Payments (Next 14 Days) Due date | Payee | Amount | Must pay? (Y/N) | Status (scheduled/paid) Rules: - Must pay = payroll, rent, loans, tax due, critical suppliers - Everything else is “maybe” until Safe-To-Spend allows it
Use this cash runway template weekly to see how many weeks your business can survive if sales wobble.
Cash Runway (Weekly) Available cash (operating + any cash you will actually use): Weekly fixed outflows (payroll + rent + loans + core overhead): Runway (weeks) = Available cash / Weekly fixed outflows Trigger rule: - If runway drops below ____ weeks: freeze optional spend + tighten collections + renegotiate terms
Use this weekly collection template to stay on top of your top 10 invoices. Consistency beats one big chase at month-end.
Debtor Follow-Up (3 Touches) Touch 1 (WhatsApp / SMS) Hi [Name], quick one. Invoice [#] for $[amount] is due on [date]. Can you confirm payment date? Thanks. Touch 2 (Email) Subject: Invoice [#] due – please confirm payment date Hi [Name], Just following up on invoice [#] for $[amount], due on [date]. Please reply with the payment date so we can update our records. Thanks, [Your name] Touch 3 (Call script) Hi [Name], it’s [Your name]. Calling about invoice [#] for $[amount] due on [date]. - Are you able to process today? - If not, what exact date will it be paid? - If there’s an issue, let’s resolve it now so it doesn’t drag.
Use this profit template weekly. Start small and make profit a habit, not leftovers.
Weekly Profit Transfer Date: Cash received this week: Profit transfer % (start 1–3%): Profit transfer amount = Cash received x % Transfer date: Profit account balance (after transfer): Rule: - Profit account is not for random spending - You decide usage monthly or quarterly, not daily
Use this profit audit template monthly and do a quick check weekly to catch leaks early.
Margin Leak Audit (10 Min) Pick 1 period: last week / last month Check these: 1) Discounting increased? 2) Scope creep happened without price change? 3) Supplier costs increased? 4) Overtime / extra labour increased? 5) Wastage increased? 6) Subscription creep? 7) Refunds / rework increased? 8) Low-margin jobs increasing share? 9) Delivery time per job increasing? 10) Any “small” expense growing weekly? This week’s one fix: Owner: Due date:
Use this pricing discipline template whenever a discount request shows up. Discounts should be intentional, not automatic.
Discount Rule (Simple) Default rule: - No discounts unless one of these is true: A) Scope reduced B) Terms improved (deposit, milestones, faster payment) C) Bundle replaces discount D) Strategic exception approved Approval question (1 line): What are we trading for the discount? Client script: I can help, but I don’t discount price without changing scope or terms. Which one works for you: - Smaller scope for same budget - Same scope with deposit/milestones - Bundle option (best value)
Use this pricing review template quarterly or any time profit keeps getting pushed to later.
Pricing Review (Top 3 Offers) Offer | Price | Rough delivery cost | Rough gross margin | Pain points For each offer, choose 1 move: - Raise price - Reduce scope - Improve terms (deposit/milestones) - Stop selling it - Bundle it This week’s test: Offer: Change: Start date:
Use this revenue template monthly and compare your weekly trend against it.
Break-Even (Monthly) Fixed monthly costs (total): Gross margin % (rough estimate): Break-even sales = Fixed costs / Gross margin % Weekly check: Cash-in this week: Are we above or below break-even trend? One action this week:
Use this revenue mix template monthly to make sure you are growing the right sales, not just more sales.
Sales Mix (Top 5) Product/Service | Revenue | Rough margin (High/Med/Low) | Keep/Pause/Fix Rule: - Stop pushing the worst-margin “popular” offer - Push your best-margin offer with best payment behaviour
Use this revenue quality template monthly. Bad revenue creates stress even when sales look good.
Revenue Quality (Top 10 Clients) Client | Pays on time? (Y/N) | Margin (H/M/L) | Effort (H/M/L) | Keep/Fix/Exit Fast fixes: - Deposit - Milestones - Scope boundaries - Reprice - Stop taking this type of work
Use this payment terms template all the time to pull cash forward, reduce chasing, and lower stress.
Terms Policy (Simple) Default: - Deposit: ____% - Milestones: invoice at each stage - Due date: ____ days - Work pauses if invoices are overdue by ____ days Client script: To keep delivery smooth, we start with a deposit and we invoice by milestone. This protects timelines and prevents surprises for both sides.
Use this weekly Money Day template to create a boring but powerful habit that gives you more control.
Money Day (Weekly) 1) Check operating bank balance 2) List committed payments next 7–14 days 3) Safe-to-spend = operating cash - committed payments 4) Transfer profit (small, consistent) 5) Review top 10 receivables (follow-up) 6) Approve spending only within safe-to-spend 7) Do one action: collect / delay / renegotiate / cut / reprice 8) Write one note: what changed + what you decided
Use this month-end template to keep your financial close simple enough to actually finish.
Month-End Minimum Close 1) Reconcile bank accounts 2) Review receivables (overdue list) 3) Review payables (due in next 30 days) 4) Check gross margin trend (up/down) 5) Check top 5 expense categories (any spikes?) 6) Confirm tax set-aside if applicable 7) Pick one fix for next month
These Xero templates help you run a simple weekly money routine. Use them to check cash, protect profit, improve revenue quality, and make better decisions without building a massive dashboard.
Use this weekly cash template to stop spending money that is already spoken for.
Safe-To-Spend (Weekly) Date: Operating bank balance (today): Committed payments next 14 days (total): Safe-To-Spend = Operating balance - Committed payments Spending rule: - If Safe-To-Spend is negative: freeze optional spending - If Safe-To-Spend is low: approve only essentials Notes (1 line): Decision this week (pick 1): collect / delay / renegotiate / cut / reprice
Use this weekly cash template to build a simple truth list for cash decisions.
Committed Payments (Next 14 Days) Due date | Payee | Amount | Must pay? (Y/N) | Status (scheduled/paid) Rules: - Must pay = payroll, rent, loans, tax due, critical suppliers - Everything else is “maybe” until Safe-To-Spend allows it
Use this cash runway template weekly to see how many weeks your business can survive if sales wobble.
Cash Runway (Weekly) Available cash (operating + any cash you will actually use): Weekly fixed outflows (payroll + rent + loans + core overhead): Runway (weeks) = Available cash / Weekly fixed outflows Trigger rule: - If runway drops below ____ weeks: freeze optional spend + tighten collections + renegotiate terms
Use this weekly collection template to stay on top of your top 10 invoices. Consistency beats one big chase at month-end.
Debtor Follow-Up (3 Touches) Touch 1 (WhatsApp / SMS) Hi [Name], quick one. Invoice [#] for $[amount] is due on [date]. Can you confirm payment date? Thanks. Touch 2 (Email) Subject: Invoice [#] due – please confirm payment date Hi [Name], Just following up on invoice [#] for $[amount], due on [date]. Please reply with the payment date so we can update our records. Thanks, [Your name] Touch 3 (Call script) Hi [Name], it’s [Your name]. Calling about invoice [#] for $[amount] due on [date]. - Are you able to process today? - If not, what exact date will it be paid? - If there’s an issue, let’s resolve it now so it doesn’t drag.
Use this profit template weekly. Start small and make profit a habit, not leftovers.
Weekly Profit Transfer Date: Cash received this week: Profit transfer % (start 1–3%): Profit transfer amount = Cash received x % Transfer date: Profit account balance (after transfer): Rule: - Profit account is not for random spending - You decide usage monthly or quarterly, not daily
Use this profit audit template monthly and do a quick check weekly to catch leaks early.
Margin Leak Audit (10 Min) Pick 1 period: last week / last month Check these: 1) Discounting increased? 2) Scope creep happened without price change? 3) Supplier costs increased? 4) Overtime / extra labour increased? 5) Wastage increased? 6) Subscription creep? 7) Refunds / rework increased? 8) Low-margin jobs increasing share? 9) Delivery time per job increasing? 10) Any “small” expense growing weekly? This week’s one fix: Owner: Due date:
Use this pricing discipline template whenever a discount request shows up. Discounts should be intentional, not automatic.
Discount Rule (Simple) Default rule: - No discounts unless one of these is true: A) Scope reduced B) Terms improved (deposit, milestones, faster payment) C) Bundle replaces discount D) Strategic exception approved Approval question (1 line): What are we trading for the discount? Client script: I can help, but I don’t discount price without changing scope or terms. Which one works for you: - Smaller scope for same budget - Same scope with deposit/milestones - Bundle option (best value)
Use this pricing review template quarterly or any time profit keeps getting pushed to later.
Pricing Review (Top 3 Offers) Offer | Price | Rough delivery cost | Rough gross margin | Pain points For each offer, choose 1 move: - Raise price - Reduce scope - Improve terms (deposit/milestones) - Stop selling it - Bundle it This week’s test: Offer: Change: Start date:
Use this revenue template monthly and compare your weekly trend against it.
Break-Even (Monthly) Fixed monthly costs (total): Gross margin % (rough estimate): Break-even sales = Fixed costs / Gross margin % Weekly check: Cash-in this week: Are we above or below break-even trend? One action this week:
Use this revenue mix template monthly to make sure you are growing the right sales, not just more sales.
Sales Mix (Top 5) Product/Service | Revenue | Rough margin (High/Med/Low) | Keep/Pause/Fix Rule: - Stop pushing the worst-margin “popular” offer - Push your best-margin offer with best payment behaviour
Use this revenue quality template monthly. Bad revenue creates stress even when sales look good.
Revenue Quality (Top 10 Clients) Client | Pays on time? (Y/N) | Margin (H/M/L) | Effort (H/M/L) | Keep/Fix/Exit Fast fixes: - Deposit - Milestones - Scope boundaries - Reprice - Stop taking this type of work
Use this payment terms template all the time to pull cash forward, reduce chasing, and lower stress.
Terms Policy (Simple) Default: - Deposit: ____% - Milestones: invoice at each stage - Due date: ____ days - Work pauses if invoices are overdue by ____ days Client script: To keep delivery smooth, we start with a deposit and we invoice by milestone. This protects timelines and prevents surprises for both sides.
Use this weekly Money Day template to create a boring but powerful habit that gives you more control.
Money Day (Weekly) 1) Check operating bank balance 2) List committed payments next 7–14 days 3) Safe-to-spend = operating cash - committed payments 4) Transfer profit (small, consistent) 5) Review top 10 receivables (follow-up) 6) Approve spending only within safe-to-spend 7) Do one action: collect / delay / renegotiate / cut / reprice 8) Write one note: what changed + what you decided
Use this month-end template to keep your financial close simple enough to actually finish.
Month-End Minimum Close 1) Reconcile bank accounts 2) Review receivables (overdue list) 3) Review payables (due in next 30 days) 4) Check gross margin trend (up/down) 5) Check top 5 expense categories (any spikes?) 6) Confirm tax set-aside if applicable 7) Pick one fix for next month
These Xero templates help you run a simple weekly money routine. Use them to check cash, protect profit, improve revenue quality, and make better decisions without building a massive dashboard.
Use this weekly cash template to stop spending money that is already spoken for.
Safe-To-Spend (Weekly) Date: Operating bank balance (today): Committed payments next 14 days (total): Safe-To-Spend = Operating balance - Committed payments Spending rule: - If Safe-To-Spend is negative: freeze optional spending - If Safe-To-Spend is low: approve only essentials Notes (1 line): Decision this week (pick 1): collect / delay / renegotiate / cut / reprice
Use this weekly cash template to build a simple truth list for cash decisions.
Committed Payments (Next 14 Days) Due date | Payee | Amount | Must pay? (Y/N) | Status (scheduled/paid) Rules: - Must pay = payroll, rent, loans, tax due, critical suppliers - Everything else is “maybe” until Safe-To-Spend allows it
Use this cash runway template weekly to see how many weeks your business can survive if sales wobble.
Cash Runway (Weekly) Available cash (operating + any cash you will actually use): Weekly fixed outflows (payroll + rent + loans + core overhead): Runway (weeks) = Available cash / Weekly fixed outflows Trigger rule: - If runway drops below ____ weeks: freeze optional spend + tighten collections + renegotiate terms
Use this weekly collection template to stay on top of your top 10 invoices. Consistency beats one big chase at month-end.
Debtor Follow-Up (3 Touches) Touch 1 (WhatsApp / SMS) Hi [Name], quick one. Invoice [#] for $[amount] is due on [date]. Can you confirm payment date? Thanks. Touch 2 (Email) Subject: Invoice [#] due – please confirm payment date Hi [Name], Just following up on invoice [#] for $[amount], due on [date]. Please reply with the payment date so we can update our records. Thanks, [Your name] Touch 3 (Call script) Hi [Name], it’s [Your name]. Calling about invoice [#] for $[amount] due on [date]. - Are you able to process today? - If not, what exact date will it be paid? - If there’s an issue, let’s resolve it now so it doesn’t drag.
Use this profit template weekly. Start small and make profit a habit, not leftovers.
Weekly Profit Transfer Date: Cash received this week: Profit transfer % (start 1–3%): Profit transfer amount = Cash received x % Transfer date: Profit account balance (after transfer): Rule: - Profit account is not for random spending - You decide usage monthly or quarterly, not daily
Use this profit audit template monthly and do a quick check weekly to catch leaks early.
Margin Leak Audit (10 Min) Pick 1 period: last week / last month Check these: 1) Discounting increased? 2) Scope creep happened without price change? 3) Supplier costs increased? 4) Overtime / extra labour increased? 5) Wastage increased? 6) Subscription creep? 7) Refunds / rework increased? 8) Low-margin jobs increasing share? 9) Delivery time per job increasing? 10) Any “small” expense growing weekly? This week’s one fix: Owner: Due date:
Use this pricing discipline template whenever a discount request shows up. Discounts should be intentional, not automatic.
Discount Rule (Simple) Default rule: - No discounts unless one of these is true: A) Scope reduced B) Terms improved (deposit, milestones, faster payment) C) Bundle replaces discount D) Strategic exception approved Approval question (1 line): What are we trading for the discount? Client script: I can help, but I don’t discount price without changing scope or terms. Which one works for you: - Smaller scope for same budget - Same scope with deposit/milestones - Bundle option (best value)
Use this pricing review template quarterly or any time profit keeps getting pushed to later.
Pricing Review (Top 3 Offers) Offer | Price | Rough delivery cost | Rough gross margin | Pain points For each offer, choose 1 move: - Raise price - Reduce scope - Improve terms (deposit/milestones) - Stop selling it - Bundle it This week’s test: Offer: Change: Start date:
Use this revenue template monthly and compare your weekly trend against it.
Break-Even (Monthly) Fixed monthly costs (total): Gross margin % (rough estimate): Break-even sales = Fixed costs / Gross margin % Weekly check: Cash-in this week: Are we above or below break-even trend? One action this week:
Use this revenue mix template monthly to make sure you are growing the right sales, not just more sales.
Sales Mix (Top 5) Product/Service | Revenue | Rough margin (High/Med/Low) | Keep/Pause/Fix Rule: - Stop pushing the worst-margin “popular” offer - Push your best-margin offer with best payment behaviour
Use this revenue quality template monthly. Bad revenue creates stress even when sales look good.
Revenue Quality (Top 10 Clients) Client | Pays on time? (Y/N) | Margin (H/M/L) | Effort (H/M/L) | Keep/Fix/Exit Fast fixes: - Deposit - Milestones - Scope boundaries - Reprice - Stop taking this type of work
Use this payment terms template all the time to pull cash forward, reduce chasing, and lower stress.
Terms Policy (Simple) Default: - Deposit: ____% - Milestones: invoice at each stage - Due date: ____ days - Work pauses if invoices are overdue by ____ days Client script: To keep delivery smooth, we start with a deposit and we invoice by milestone. This protects timelines and prevents surprises for both sides.
Use this weekly Money Day template to create a boring but powerful habit that gives you more control.
Money Day (Weekly) 1) Check operating bank balance 2) List committed payments next 7–14 days 3) Safe-to-spend = operating cash - committed payments 4) Transfer profit (small, consistent) 5) Review top 10 receivables (follow-up) 6) Approve spending only within safe-to-spend 7) Do one action: collect / delay / renegotiate / cut / reprice 8) Write one note: what changed + what you decided
Use this month-end template to keep your financial close simple enough to actually finish.
Month-End Minimum Close 1) Reconcile bank accounts 2) Review receivables (overdue list) 3) Review payables (due in next 30 days) 4) Check gross margin trend (up/down) 5) Check top 5 expense categories (any spikes?) 6) Confirm tax set-aside if applicable 7) Pick one fix for next month
These Xero templates help you run a simple weekly money routine. Use them to check cash, protect profit, improve revenue quality, and make better decisions without building a massive dashboard.
Use this weekly cash template to stop spending money that is already spoken for.
Safe-To-Spend (Weekly) Date: Operating bank balance (today): Committed payments next 14 days (total): Safe-To-Spend = Operating balance - Committed payments Spending rule: - If Safe-To-Spend is negative: freeze optional spending - If Safe-To-Spend is low: approve only essentials Notes (1 line): Decision this week (pick 1): collect / delay / renegotiate / cut / reprice
Use this weekly cash template to build a simple truth list for cash decisions.
Committed Payments (Next 14 Days) Due date | Payee | Amount | Must pay? (Y/N) | Status (scheduled/paid) Rules: - Must pay = payroll, rent, loans, tax due, critical suppliers - Everything else is “maybe” until Safe-To-Spend allows it
Use this cash runway template weekly to see how many weeks your business can survive if sales wobble.
Cash Runway (Weekly) Available cash (operating + any cash you will actually use): Weekly fixed outflows (payroll + rent + loans + core overhead): Runway (weeks) = Available cash / Weekly fixed outflows Trigger rule: - If runway drops below ____ weeks: freeze optional spend + tighten collections + renegotiate terms
Use this weekly collection template to stay on top of your top 10 invoices. Consistency beats one big chase at month-end.
Debtor Follow-Up (3 Touches) Touch 1 (WhatsApp / SMS) Hi [Name], quick one. Invoice [#] for $[amount] is due on [date]. Can you confirm payment date? Thanks. Touch 2 (Email) Subject: Invoice [#] due – please confirm payment date Hi [Name], Just following up on invoice [#] for $[amount], due on [date]. Please reply with the payment date so we can update our records. Thanks, [Your name] Touch 3 (Call script) Hi [Name], it’s [Your name]. Calling about invoice [#] for $[amount] due on [date]. - Are you able to process today? - If not, what exact date will it be paid? - If there’s an issue, let’s resolve it now so it doesn’t drag.
Use this profit template weekly. Start small and make profit a habit, not leftovers.
Weekly Profit Transfer Date: Cash received this week: Profit transfer % (start 1–3%): Profit transfer amount = Cash received x % Transfer date: Profit account balance (after transfer): Rule: - Profit account is not for random spending - You decide usage monthly or quarterly, not daily
Use this profit audit template monthly and do a quick check weekly to catch leaks early.
Margin Leak Audit (10 Min) Pick 1 period: last week / last month Check these: 1) Discounting increased? 2) Scope creep happened without price change? 3) Supplier costs increased? 4) Overtime / extra labour increased? 5) Wastage increased? 6) Subscription creep? 7) Refunds / rework increased? 8) Low-margin jobs increasing share? 9) Delivery time per job increasing? 10) Any “small” expense growing weekly? This week’s one fix: Owner: Due date:
Use this pricing discipline template whenever a discount request shows up. Discounts should be intentional, not automatic.
Discount Rule (Simple) Default rule: - No discounts unless one of these is true: A) Scope reduced B) Terms improved (deposit, milestones, faster payment) C) Bundle replaces discount D) Strategic exception approved Approval question (1 line): What are we trading for the discount? Client script: I can help, but I don’t discount price without changing scope or terms. Which one works for you: - Smaller scope for same budget - Same scope with deposit/milestones - Bundle option (best value)
Use this pricing review template quarterly or any time profit keeps getting pushed to later.
Pricing Review (Top 3 Offers) Offer | Price | Rough delivery cost | Rough gross margin | Pain points For each offer, choose 1 move: - Raise price - Reduce scope - Improve terms (deposit/milestones) - Stop selling it - Bundle it This week’s test: Offer: Change: Start date:
Use this revenue template monthly and compare your weekly trend against it.
Break-Even (Monthly) Fixed monthly costs (total): Gross margin % (rough estimate): Break-even sales = Fixed costs / Gross margin % Weekly check: Cash-in this week: Are we above or below break-even trend? One action this week:
Use this revenue mix template monthly to make sure you are growing the right sales, not just more sales.
Sales Mix (Top 5) Product/Service | Revenue | Rough margin (High/Med/Low) | Keep/Pause/Fix Rule: - Stop pushing the worst-margin “popular” offer - Push your best-margin offer with best payment behaviour
Use this revenue quality template monthly. Bad revenue creates stress even when sales look good.
Revenue Quality (Top 10 Clients) Client | Pays on time? (Y/N) | Margin (H/M/L) | Effort (H/M/L) | Keep/Fix/Exit Fast fixes: - Deposit - Milestones - Scope boundaries - Reprice - Stop taking this type of work
Use this payment terms template all the time to pull cash forward, reduce chasing, and lower stress.
Terms Policy (Simple) Default: - Deposit: ____% - Milestones: invoice at each stage - Due date: ____ days - Work pauses if invoices are overdue by ____ days Client script: To keep delivery smooth, we start with a deposit and we invoice by milestone. This protects timelines and prevents surprises for both sides.
Use this weekly Money Day template to create a boring but powerful habit that gives you more control.
Money Day (Weekly) 1) Check operating bank balance 2) List committed payments next 7–14 days 3) Safe-to-spend = operating cash - committed payments 4) Transfer profit (small, consistent) 5) Review top 10 receivables (follow-up) 6) Approve spending only within safe-to-spend 7) Do one action: collect / delay / renegotiate / cut / reprice 8) Write one note: what changed + what you decided
Use this month-end template to keep your financial close simple enough to actually finish.
Month-End Minimum Close 1) Reconcile bank accounts 2) Review receivables (overdue list) 3) Review payables (due in next 30 days) 4) Check gross margin trend (up/down) 5) Check top 5 expense categories (any spikes?) 6) Confirm tax set-aside if applicable 7) Pick one fix for next month
These Xero templates help you run a simple weekly money routine. Use them to check cash, protect profit, improve revenue quality, and make better decisions without building a massive dashboard.
Use this weekly cash template to stop spending money that is already spoken for.
Safe-To-Spend (Weekly) Date: Operating bank balance (today): Committed payments next 14 days (total): Safe-To-Spend = Operating balance - Committed payments Spending rule: - If Safe-To-Spend is negative: freeze optional spending - If Safe-To-Spend is low: approve only essentials Notes (1 line): Decision this week (pick 1): collect / delay / renegotiate / cut / reprice
Use this weekly cash template to build a simple truth list for cash decisions.
Committed Payments (Next 14 Days) Due date | Payee | Amount | Must pay? (Y/N) | Status (scheduled/paid) Rules: - Must pay = payroll, rent, loans, tax due, critical suppliers - Everything else is “maybe” until Safe-To-Spend allows it
Use this cash runway template weekly to see how many weeks your business can survive if sales wobble.
Cash Runway (Weekly) Available cash (operating + any cash you will actually use): Weekly fixed outflows (payroll + rent + loans + core overhead): Runway (weeks) = Available cash / Weekly fixed outflows Trigger rule: - If runway drops below ____ weeks: freeze optional spend + tighten collections + renegotiate terms
Use this weekly collection template to stay on top of your top 10 invoices. Consistency beats one big chase at month-end.
Debtor Follow-Up (3 Touches) Touch 1 (WhatsApp / SMS) Hi [Name], quick one. Invoice [#] for $[amount] is due on [date]. Can you confirm payment date? Thanks. Touch 2 (Email) Subject: Invoice [#] due – please confirm payment date Hi [Name], Just following up on invoice [#] for $[amount], due on [date]. Please reply with the payment date so we can update our records. Thanks, [Your name] Touch 3 (Call script) Hi [Name], it’s [Your name]. Calling about invoice [#] for $[amount] due on [date]. - Are you able to process today? - If not, what exact date will it be paid? - If there’s an issue, let’s resolve it now so it doesn’t drag.
Use this profit template weekly. Start small and make profit a habit, not leftovers.
Weekly Profit Transfer Date: Cash received this week: Profit transfer % (start 1–3%): Profit transfer amount = Cash received x % Transfer date: Profit account balance (after transfer): Rule: - Profit account is not for random spending - You decide usage monthly or quarterly, not daily
Use this profit audit template monthly and do a quick check weekly to catch leaks early.
Margin Leak Audit (10 Min) Pick 1 period: last week / last month Check these: 1) Discounting increased? 2) Scope creep happened without price change? 3) Supplier costs increased? 4) Overtime / extra labour increased? 5) Wastage increased? 6) Subscription creep? 7) Refunds / rework increased? 8) Low-margin jobs increasing share? 9) Delivery time per job increasing? 10) Any “small” expense growing weekly? This week’s one fix: Owner: Due date:
Use this pricing discipline template whenever a discount request shows up. Discounts should be intentional, not automatic.
Discount Rule (Simple) Default rule: - No discounts unless one of these is true: A) Scope reduced B) Terms improved (deposit, milestones, faster payment) C) Bundle replaces discount D) Strategic exception approved Approval question (1 line): What are we trading for the discount? Client script: I can help, but I don’t discount price without changing scope or terms. Which one works for you: - Smaller scope for same budget - Same scope with deposit/milestones - Bundle option (best value)
Use this pricing review template quarterly or any time profit keeps getting pushed to later.
Pricing Review (Top 3 Offers) Offer | Price | Rough delivery cost | Rough gross margin | Pain points For each offer, choose 1 move: - Raise price - Reduce scope - Improve terms (deposit/milestones) - Stop selling it - Bundle it This week’s test: Offer: Change: Start date:
Use this revenue template monthly and compare your weekly trend against it.
Break-Even (Monthly) Fixed monthly costs (total): Gross margin % (rough estimate): Break-even sales = Fixed costs / Gross margin % Weekly check: Cash-in this week: Are we above or below break-even trend? One action this week:
Use this revenue mix template monthly to make sure you are growing the right sales, not just more sales.
Sales Mix (Top 5) Product/Service | Revenue | Rough margin (High/Med/Low) | Keep/Pause/Fix Rule: - Stop pushing the worst-margin “popular” offer - Push your best-margin offer with best payment behaviour
Use this revenue quality template monthly. Bad revenue creates stress even when sales look good.
Revenue Quality (Top 10 Clients) Client | Pays on time? (Y/N) | Margin (H/M/L) | Effort (H/M/L) | Keep/Fix/Exit Fast fixes: - Deposit - Milestones - Scope boundaries - Reprice - Stop taking this type of work
Use this payment terms template all the time to pull cash forward, reduce chasing, and lower stress.
Terms Policy (Simple) Default: - Deposit: ____% - Milestones: invoice at each stage - Due date: ____ days - Work pauses if invoices are overdue by ____ days Client script: To keep delivery smooth, we start with a deposit and we invoice by milestone. This protects timelines and prevents surprises for both sides.
Use this weekly Money Day template to create a boring but powerful habit that gives you more control.
Money Day (Weekly) 1) Check operating bank balance 2) List committed payments next 7–14 days 3) Safe-to-spend = operating cash - committed payments 4) Transfer profit (small, consistent) 5) Review top 10 receivables (follow-up) 6) Approve spending only within safe-to-spend 7) Do one action: collect / delay / renegotiate / cut / reprice 8) Write one note: what changed + what you decided
Use this month-end template to keep your financial close simple enough to actually finish.
Month-End Minimum Close 1) Reconcile bank accounts 2) Review receivables (overdue list) 3) Review payables (due in next 30 days) 4) Check gross margin trend (up/down) 5) Check top 5 expense categories (any spikes?) 6) Confirm tax set-aside if applicable 7) Pick one fix for next month
These Xero templates help you run a simple weekly money routine. Use them to check cash, protect profit, improve revenue quality, and make better decisions without building a massive dashboard.
Use this weekly cash template to stop spending money that is already spoken for.
Safe-To-Spend (Weekly) Date: Operating bank balance (today): Committed payments next 14 days (total): Safe-To-Spend = Operating balance - Committed payments Spending rule: - If Safe-To-Spend is negative: freeze optional spending - If Safe-To-Spend is low: approve only essentials Notes (1 line): Decision this week (pick 1): collect / delay / renegotiate / cut / reprice
Use this weekly cash template to build a simple truth list for cash decisions.
Committed Payments (Next 14 Days) Due date | Payee | Amount | Must pay? (Y/N) | Status (scheduled/paid) Rules: - Must pay = payroll, rent, loans, tax due, critical suppliers - Everything else is “maybe” until Safe-To-Spend allows it
Use this cash runway template weekly to see how many weeks your business can survive if sales wobble.
Cash Runway (Weekly) Available cash (operating + any cash you will actually use): Weekly fixed outflows (payroll + rent + loans + core overhead): Runway (weeks) = Available cash / Weekly fixed outflows
Trigger rule: - If runway drops below ____ weeks: freeze optional spend + tighten collections + renegotiate terms
Use this weekly collection template to stay on top of your top 10 invoices. Consistency beats one big chase at month-end.
Debtor Follow-Up (3 Touches) Touch 1 (WhatsApp / SMS) Hi [Name], quick one. Invoice [#] for $[amount] is due on [date]. Can you confirm payment date? Thanks. Touch 2 (Email) Subject: Invoice [#] due – please confirm payment date Hi [Name], Just following up on invoice [#] for $[amount], due on [date]. Please reply with the payment date so we can update our records. Thanks, [Your name] Touch 3 (Call script) Hi [Name], it’s [Your name]. Calling about invoice [#] for $[amount] due on [date]. - Are you able to process today? - If not, what exact date will it be paid? - If there’s an issue, let’s resolve it now so it doesn’t drag.
Use this profit template weekly. Start small and make profit a habit, not leftovers.
Weekly Profit Transfer Date: Cash received this week: Profit transfer % (start 1–3%): Profit transfer amount = Cash received x % Transfer date: Profit account balance (after transfer): Rule: - Profit account is not for random spending - You decide usage monthly or quarterly, not daily
Use this profit audit template monthly and do a quick check weekly to catch leaks early.
Margin Leak Audit (10 Min)
Margin leak audit checklist
Use this profit audit template monthly and do a quick check weekly to catch leaks early.
Copy checklist
Margin Leak Audit (10 Min)
Pick 1 period: last week / last month
Check these:
1) Discounting increased?
2) Scope creep happened without price change?
3) Supplier costs increased?
4) Overtime / extra labour increased?
5) Wastage increased?
6) Subscription creep?
7) Refunds / rework increased?
8) Low-margin jobs increasing share?
9) Delivery time per job increasing?
10) Any “small” expense growing weekly?
This week’s one fix:
Owner:
Due date:
Use this pricing discipline template whenever a discount request shows up. Discounts should be intentional, not automatic.
Discount Rule (Simple) Default rule: - No discounts unless one of these is true: A) Scope reduced B) Terms improved (deposit, milestones, faster payment) C) Bundle replaces discount D) Strategic exception approved Approval question (1 line): What are we trading for the discount? Client script: I can help, but I don’t discount price without changing scope or terms. Which one works for you: - Smaller scope for same budget - Same scope with deposit/milestones - Bundle option (best value)
Use this pricing review template quarterly or any time profit keeps getting pushed to later.
Pricing Review (Top 3 Offers) Offer | Price | Rough delivery cost | Rough gross margin | Pain points For each offer, choose 1 move: - Raise price - Reduce scope - Improve terms (deposit/milestones) - Stop selling it - Bundle it This week’s test: Offer: Change: Start date:
Use this revenue template monthly and compare your weekly trend against it.
Break-Even (Monthly) Fixed monthly costs (total): Gross margin % (rough estimate): Break-even sales = Fixed costs / Gross margin % Weekly check: Cash-in this week: Are we above or below break-even trend? One action this week:
Use this revenue mix template monthly to make sure you are growing the right sales, not just more sales.
Sales Mix (Top 5) Product/Service | Revenue | Rough margin (High/Med/Low) | Keep/Pause/Fix Rule: - Stop pushing the worst-margin “popular” offer - Push your best-margin offer with best payment behaviour
Use this revenue quality template monthly. Bad revenue creates stress even when sales look good.
Revenue Quality (Top 10 Clients) Client | Pays on time? (Y/N) | Margin (H/M/L) | Effort (H/M/L) | Keep/Fix/Exit Fast fixes: - Deposit - Milestones - Scope boundaries - Reprice - Stop taking this type of work
Use this payment terms template all the time to pull cash forward, reduce chasing, and lower stress.
Terms Policy (Simple) Default: - Deposit: ____% - Milestones: invoice at each stage - Due date: ____ days - Work pauses if invoices are overdue by ____ days Client script: To keep delivery smooth, we start with a deposit and we invoice by milestone. This protects timelines and prevents surprises for both sides.
Use this weekly Money Day template to create a boring but powerful habit that gives you more control.
Money Day (Weekly) 1) Check operating bank balance 2) List committed payments next 7–14 days 3) Safe-to-spend = operating cash - committed payments 4) Transfer profit (small, consistent) 5) Review top 10 receivables (follow-up) 6) Approve spending only within safe-to-spend 7) Do one action: collect / delay / renegotiate / cut / reprice 8) Write one note: what changed + what you decided
Use this month-end template to keep your financial close simple enough to actually finish.
Month-End Minimum Close 1) Reconcile bank accounts 2) Review receivables (overdue list) 3) Review payables (due in next 30 days) 4) Check gross margin trend (up/down) 5) Check top 5 expense categories (any spikes?) 6) Confirm tax set-aside if applicable 7) Pick one fix for next month
These Xero templates help you run a simple weekly money routine. Use them to check cash, protect profit, improve revenue quality, and make better decisions without building a massive dashboard.
Use this weekly cash template to stop spending money that is already spoken for.
Safe-To-Spend (Weekly) Date: Operating bank balance (today): Committed payments next 14 days (total): Safe-To-Spend = Operating balance - Committed payments Spending rule: - If Safe-To-Spend is negative: freeze optional spending - If Safe-To-Spend is low: approve only essentials Notes (1 line): Decision this week (pick 1): collect / delay / renegotiate / cut / reprice
Use this weekly cash template to build a simple truth list for cash decisions.
Committed Payments (Next 14 Days) Due date | Payee | Amount | Must pay? (Y/N) | Status (scheduled/paid) Rules: - Must pay = payroll, rent, loans, tax due, critical suppliers - Everything else is “maybe” until Safe-To-Spend allows it
Use this cash runway template weekly to see how many weeks your business can survive if sales wobble.
Cash Runway (Weekly) Available cash (operating + any cash you will actually use): Weekly fixed outflows (payroll + rent + loans + core overhead): Runway (weeks) = Available cash / Weekly fixed outflows
Trigger rule: - If runway drops below ____ weeks: freeze optional spend + tighten collections + renegotiate terms
Use this weekly collection template to stay on top of your top 10 invoices. Consistency beats one big chase at month-end.
Debtor Follow-Up (3 Touches) Touch 1 (WhatsApp / SMS) Hi [Name], quick one. Invoice [#] for $[amount] is due on [date]. Can you confirm payment date? Thanks. Touch 2 (Email) Subject: Invoice [#] due – please confirm payment date Hi [Name], Just following up on invoice [#] for $[amount], due on [date]. Please reply with the payment date so we can update our records. Thanks, [Your name] Touch 3 (Call script) Hi [Name], it’s [Your name]. Calling about invoice [#] for $[amount] due on [date]. - Are you able to process today? - If not, what exact date will it be paid? - If there’s an issue, let’s resolve it now so it doesn’t drag.
Use this profit template weekly. Start small and make profit a habit, not leftovers.
Weekly Profit Transfer Date: Cash received this week: Profit transfer % (start 1–3%): Profit transfer amount = Cash received x % Transfer date: Profit account balance (after transfer): Rule: - Profit account is not for random spending - You decide usage monthly or quarterly, not daily
Use this profit audit template monthly and do a quick check weekly to catch leaks early.
Margin Leak Audit (10 Min)
Margin leak audit checklist
Use this profit audit template monthly and do a quick check weekly to catch leaks early.
Copy checklist
Margin Leak Audit (10 Min)
Pick 1 period: last week / last month
Check these:
1) Discounting increased?
2) Scope creep happened without price change?
3) Supplier costs increased?
4) Overtime / extra labour increased?
5) Wastage increased?
6) Subscription creep?
7) Refunds / rework increased?
8) Low-margin jobs increasing share?
9) Delivery time per job increasing?
10) Any “small” expense growing weekly?
This week’s one fix:
Owner:
Due date:
Use this pricing discipline template whenever a discount request shows up. Discounts should be intentional, not automatic.
Discount Rule (Simple) Default rule: - No discounts unless one of these is true: A) Scope reduced B) Terms improved (deposit, milestones, faster payment) C) Bundle replaces discount D) Strategic exception approved Approval question (1 line): What are we trading for the discount? Client script: I can help, but I don’t discount price without changing scope or terms. Which one works for you: - Smaller scope for same budget - Same scope with deposit/milestones - Bundle option (best value)
Use this pricing review template quarterly or any time profit keeps getting pushed to later.
Pricing Review (Top 3 Offers) Offer | Price | Rough delivery cost | Rough gross margin | Pain points For each offer, choose 1 move: - Raise price - Reduce scope - Improve terms (deposit/milestones) - Stop selling it - Bundle it This week’s test: Offer: Change: Start date:
Use this revenue template monthly and compare your weekly trend against it.
Break-Even (Monthly) Fixed monthly costs (total): Gross margin % (rough estimate): Break-even sales = Fixed costs / Gross margin % Weekly check: Cash-in this week: Are we above or below break-even trend? One action this week:
Use this revenue mix template monthly to make sure you are growing the right sales, not just more sales.
Sales Mix (Top 5) Product/Service | Revenue | Rough margin (High/Med/Low) | Keep/Pause/Fix Rule: - Stop pushing the worst-margin “popular” offer - Push your best-margin offer with best payment behaviour
Use this revenue quality template monthly. Bad revenue creates stress even when sales look good.
Revenue Quality (Top 10 Clients) Client | Pays on time? (Y/N) | Margin (H/M/L) | Effort (H/M/L) | Keep/Fix/Exit Fast fixes: - Deposit - Milestones - Scope boundaries - Reprice - Stop taking this type of work
Use this payment terms template all the time to pull cash forward, reduce chasing, and lower stress.
Terms Policy (Simple) Default: - Deposit: ____% - Milestones: invoice at each stage - Due date: ____ days - Work pauses if invoices are overdue by ____ days Client script: To keep delivery smooth, we start with a deposit and we invoice by milestone. This protects timelines and prevents surprises for both sides.
Use this weekly Money Day template to create a boring but powerful habit that gives you more control.
Money Day (Weekly) 1) Check operating bank balance 2) List committed payments next 7–14 days 3) Safe-to-spend = operating cash - committed payments 4) Transfer profit (small, consistent) 5) Review top 10 receivables (follow-up) 6) Approve spending only within safe-to-spend 7) Do one action: collect / delay / renegotiate / cut / reprice 8) Write one note: what changed + what you decided
Use this month-end template to keep your financial close simple enough to actually finish.
Month-End Minimum Close 1) Reconcile bank accounts 2) Review receivables (overdue list) 3) Review payables (due in next 30 days) 4) Check gross margin trend (up/down) 5) Check top 5 expense categories (any spikes?) 6) Confirm tax set-aside if applicable 7) Pick one fix for next month
Xero templates help you check cash, protect profit, and improve revenue decisions without building a massive dashboard. Use these simple Xero templates to run your weekly Money Day routine, spot problems faster, and make better decisions from the numbers already in Xero.
These Xero templates cover cash control, profit habits, and revenue quality. If you want the bigger system behind them, see the Profit-Ready Xero system and the CPR Blueprint. For Xero software information, visit the official Xero website.
Use these Xero templates for cash control when you need to know what is safe to spend, what must be paid next, and how long your business can survive if sales wobble.
Use weekly. This Xero template helps stop spending money that is already spoken for.
Safe-To-Spend (Weekly) Date: Operating bank balance (today): Committed payments next 14 days (total): Safe-To-Spend = Operating balance - Committed payments Spending rule: - If Safe-To-Spend is negative: freeze optional spending - If Safe-To-Spend is low: approve only essentials Notes (1 line): Decision this week (pick 1): collect / delay / renegotiate / cut / reprice
Use weekly. This Xero template becomes your simple truth list for cash decisions.
Committed Payments (Next 14 Days) Due date | Payee | Amount | Must pay? (Y/N) | Status (scheduled/paid) Rules: - Must pay = payroll, rent, loans, tax due, critical suppliers - Everything else is "maybe" until Safe-To-Spend allows it
Use weekly. This Xero template shows how many weeks you can survive if sales wobble.
Cash Runway (Weekly) Available cash (operating + any cash you will actually use): Weekly fixed outflows (payroll + rent + loans + core overhead): Runway (weeks) = Available cash / Weekly fixed outflows Trigger rule: - If runway drops below ____ weeks: freeze optional spend + tighten collections + renegotiate terms
Use weekly. Focus on the top 10 invoices. Consistency beats one big chase at month-end.
Debtor Follow-Up (3 Touches) Touch 1 (WhatsApp / SMS) Hi [Name], quick one. Invoice [#] for $[amount] is due on [date]. Can you confirm payment date? Thanks. Touch 2 (Email) Subject: Invoice [#] due – please confirm payment date Hi [Name], Just following up on invoice [#] for $[amount], due on [date]. Please reply with the payment date so we can update our records. Thanks, [Your name] Touch 3 (Call script) Hi [Name], it’s [Your name]. Calling about invoice [#] for $[amount] due on [date]. - Are you able to process today? - If not, what exact date will it be paid? - If there’s an issue, let’s resolve it now so it doesn’t drag.
Use these Xero templates for profit to build the habit of keeping more, spotting margin leaks, and tightening pricing decisions before profit disappears.
Use weekly. This Xero template helps make profit a habit instead of leftovers.
Weekly Profit Transfer Date: Cash received this week: Profit transfer % (start 1–3%): Profit transfer amount = Cash received x % Transfer date: Profit account balance (after transfer): Rule: - Profit account is not for random spending - You decide usage monthly or quarterly, not daily
Use monthly, with a quick weekly check. This Xero template helps you catch leaks early.
Margin Leak Audit (10 Min) Pick 1 period: last week / last month Check these: 1) Discounting increased? 2) Scope creep happened without price change? 3) Supplier costs increased? 4) Overtime / extra labour increased? 5) Wastage increased? 6) Subscription creep? 7) Refunds / rework increased? 8) Low-margin jobs increasing share? 9) Delivery time per job increasing? 10) Any "small" expense growing weekly? This week’s one fix: Owner: Due date:
Use always. This Xero template keeps discounts intentional instead of automatic.
Discount Rule (Simple) Default rule: - No discounts unless one of these is true: A) Scope reduced B) Terms improved (deposit, milestones, faster payment) C) Bundle replaces discount D) Strategic exception approved Approval question (1 line): What are we trading for the discount? Client script: I can help, but I don’t discount price without changing scope or terms. Which one works for you: - Smaller scope for same budget - Same scope with deposit/milestones - Bundle option (best value)
Use quarterly or when profit keeps getting pushed to later. This Xero template helps you review what to raise, reduce, or stop.
Pricing Review (Top 3 Offers) Offer | Price | Rough delivery cost | Rough gross margin | Pain points For each offer, choose 1 move: - Raise price - Reduce scope - Improve terms (deposit/milestones) - Stop selling it - Bundle it This week’s test: Offer: Change: Start date:
Use these Xero templates for revenue to check break-even, improve sales mix, tighten terms, and focus on revenue that pays well and behaves well.
Use monthly and compare the weekly trend against it. This Xero template helps you see whether sales are actually enough.
Break-Even (Monthly) Fixed monthly costs (total): Gross margin % (rough estimate): Break-even sales = Fixed costs / Gross margin % Weekly check: Cash-in this week: Are we above or below break-even trend? One action this week:
Use monthly. This Xero template helps make sure you are growing the right revenue, not just more revenue.
Sales Mix (Top 5) Product/Service | Revenue | Rough margin (High/Med/Low) | Keep/Pause/Fix Rule: - Stop pushing the worst-margin "popular" offer - Push your best-margin offer with best payment behaviour
Use monthly. This Xero template helps you spot bad revenue that creates stress even when sales look good.
Revenue Quality (Top 10 Clients) Client | Pays on time? (Y/N) | Margin (H/M/L) | Effort (H/M/L) | Keep/Fix/Exit Fast fixes: - Deposit - Milestones - Scope boundaries - Reprice - Stop taking this type of work
Use always. This Xero template helps pull cash forward, reduce chasing, and lower stress.
Terms Policy (Simple) Default: - Deposit: ____% - Milestones: invoice at each stage - Due date: ____ days - Work pauses if invoices are overdue by ____ days Client script: To keep delivery smooth, we start with a deposit and we invoice by milestone. This protects timelines and prevents surprises for both sides.
These bonus Xero templates help turn good intentions into a weekly habit and a simple monthly close.
Use weekly. This Xero template gives you a boring but powerful habit that creates control.
Money Day (Weekly) 1) Check operating bank balance 2) List committed payments next 7–14 days 3) Safe-to-spend = operating cash - committed payments 4) Transfer profit (small, consistent) 5) Review top 10 receivables (follow-up) 6) Approve spending only within safe-to-spend 7) Do one action: collect / delay / renegotiate / cut / reprice 8) Write one note: what changed + what you decided
Use monthly. This Xero template keeps your close simple enough to actually finish.
Month-End Minimum Close 1) Reconcile bank accounts 2) Review receivables (overdue list) 3) Review payables (due in next 30 days) 4) Check gross margin trend (up/down) 5) Check top 5 expense categories (any spikes?) 6) Confirm tax set-aside if applicable 7) Pick one fix for next month
Copy, paste, use. These templates power your weekly Cash, Profit, Revenue routines without a massive dashboard.
Use weekly. This stops spending money that is already spoken for.
SAFE-TO-SPEND (WEEKLY) Date: Operating bank balance (today): Committed payments next 14 days (total): Safe-To-Spend = Operating balance - Committed payments Spending rule: - If Safe-To-Spend is negative: freeze optional spending - If Safe-To-Spend is low: approve only essentials Notes (1 line): Decision this week (pick 1): collect / delay / renegotiate / cut / reprice
Use weekly. This becomes your “truth list” for cash decisions.
COMMITTED PAYMENTS (NEXT 14 DAYS) Due date | Payee | Amount | Must pay? (Y/N) | Status (scheduled/paid) Rules: - Must pay = payroll, rent, loans, tax due, critical suppliers - Everything else is “maybe” until Safe-To-Spend allows it
Use weekly. Runway tells you how many weeks you can survive if sales wobble.
CASH RUNWAY (WEEKLY) Available cash (operating + any cash you will actually use): Weekly fixed outflows (payroll + rent + loans + core overhead): Runway (weeks) = Available cash / Weekly fixed outflows Trigger rule: - If runway drops below ____ weeks: freeze optional spend + tighten collections + renegotiate terms
Use weekly. Focus on top 10 invoices. Consistency beats “big chase” once a month.
DEBTOR FOLLOW-UP (3 TOUCHES) Touch 1 (WhatsApp / SMS) Hi [Name], quick one. Invoice [#] for $[amount] is due on [date]. Can you confirm payment date? Thanks. Touch 2 (Email) Subject: Invoice [#] due – please confirm payment date Hi [Name], Just following up on invoice [#] for $[amount], due on [date]. Please reply with the payment date so we can update our records. Thanks, [Your name] Touch 3 (Call script) Hi [Name], it’s [Your name]. Calling about invoice [#] for $[amount] due on [date]. - Are you able to process today? - If not, what exact date will it be paid? - If there’s an issue, let’s resolve it now so it doesn’t drag.
Use weekly. Start small. Make profit a habit, not leftovers.
WEEKLY PROFIT TRANSFER Date: Cash received this week: Profit transfer % (start 1–3%): Profit transfer amount = Cash received x % Transfer date: Profit account balance (after transfer): Rule: - Profit account is not for random spending - You decide usage monthly/quarterly, not daily
Use monthly, quick check weekly. Find leaks early.
MARGIN LEAK AUDIT (10 MIN) Pick 1 period: last week / last month Check these: 1) Discounting increased? 2) Scope creep happened without price change? 3) Supplier costs increased? 4) Overtime / extra labour increased? 5) Wastage increased? 6) Subscription creep? 7) Refunds / rework increased? 8) Low-margin jobs increasing share? 9) Delivery time per job increasing? 10) Any “small” expense growing weekly? This week’s one fix: Owner: Due date:
Use always. Discounts must be intentional, not automatic.
DISCOUNT RULE (SIMPLE) Default rule: - No discounts unless one of these is true: A) Scope reduced B) Terms improved (deposit, milestones, faster payment) C) Bundle replaces discount D) Strategic exception approved Approval question (1 line): What are we trading for the discount? Client script: I can help, but I don’t discount price without changing scope or terms. Which one works for you: - Smaller scope for same budget - Same scope with deposit/milestones - Bundle option (best value)
Use quarterly or when profit is always “later”.
PRICING REVIEW (TOP 3 OFFERS) Offer | Price | Rough delivery cost | Rough gross margin | Pain points For each offer, choose 1 move: - Raise price - Reduce scope - Improve terms (deposit/milestones) - Stop selling it - Bundle it This week’s test: Offer: Change: Start date:
Use monthly. Check weekly trend against it.
BREAK-EVEN (MONTHLY) Fixed monthly costs (total): Gross margin % (rough estimate): Break-even sales = Fixed costs / Gross margin % Weekly check: Cash-in this week: Are we above or below break-even trend? One action this week:
Use monthly. Make sure you are growing the right revenue.
SALES MIX (TOP 5) Product/Service | Revenue | Rough margin (High/Med/Low) | Keep/Pause/Fix Rule: - Stop pushing the worst-margin “popular” offer - Push your best-margin offer with best payment behaviour
Use monthly. “Bad revenue” creates stress even when sales look good.
REVENUE QUALITY (TOP 10 CLIENTS) Client | Pays on time? (Y/N) | Margin (H/M/L) | Effort (H/M/L) | Keep/Fix/Exit Fast fixes: - Deposit - Milestones - Scope boundaries - Reprice - Stop taking this type of work
Use always. Pull cash forward, reduce chasing, reduce stress.
TERMS POLICY (SIMPLE) Default: - Deposit: ____% - Milestones: invoice at each stage - Due date: ____ days - Work pauses if invoices are overdue by ____ days Client script: To keep delivery smooth, we start with a deposit and we invoice by milestone. This protects timelines and prevents surprises for both sides.
Use weekly. This is your “boring” habit that creates control.
MONEY DAY (WEEKLY) 1) Check operating bank balance 2) List committed payments next 7–14 days 3) Safe-to-spend = operating cash - committed payments 4) Transfer profit (small, consistent) 5) Review top 10 receivables (follow-up) 6) Approve spending only within safe-to-spend 7) Do one action: collect / delay / renegotiate / cut / reprice 8) Write one note: what changed + what you decided
Use monthly. Keep it minimal so you actually do it.
MONTH-END MINIMUM CLOSE 1) Reconcile bank accounts 2) Review receivables (overdue list) 3) Review payables (due in next 30 days) 4) Check gross margin trend (up/down) 5) Check top 5 expense categories (any spikes?) 6) Confirm tax set-aside if applicable 7) Pick one fix for next month