Check three numbers every Friday.

No calculator and nothing to submit. Open your own bank and invoices, look at three numbers, and write them where you already run the business.

Five-minute weekly habitNo information entered hereUse your own records
1
What customers owe youUnpaid invoices, especially what is late.
2
What must go outCommitted payments over the next 30 days.
3
What you haveCash the business is actually holding today.

A visibility habit, not another system.

You do not need a new dashboard to start seeing cash more clearly. Put the same three numbers beside each other once a week. One Friday gives you a snapshot. Four Fridays begin to show a direction.

The point is not to diagnose the business from one number. It is to notice a change early enough to ask a better question.

What customers owe you

Look at invoices you have sent that have not been paid.

Notice:
  • The total amount still outstanding.
  • How much is more than 30 days late.
  • Whether the same customers keep appearing.

What must go out

Look at payments the business has already committed to over the next 30 days.

Include:
  • Payroll, rent, suppliers, tax, and loan payments.
  • Large or unusual payments that could change the month.
  • Only what is committed—not every possible expense.

What you have

Use the cash in the business account today.

Keep it honest:
  • Do not count expected payments before they arrive.
  • Do not count unused credit as cash.
  • A rounded number or range is enough for this habit.

Make the numbers visible.

Use the same place and the same time each week so a change is easier to notice.

  1. 1Choose a five-minute Friday slot and open the records you already use.
  2. 2Write the three numbers in a notebook, spreadsheet, or accounting system you control, then compare them with the last four Fridays.
  3. 3Circle what changed and name one useful follow-up: chase an invoice, examine a payment, or ask your accountant a specific question.
Your financial information stays with you.This page does not ask for, calculate, receive, or store your numbers. Use the records and tools you already trust.

A four-Friday view.

Print this blank page if a paper reminder is useful. Fill it out away from the website and keep it somewhere private.

FridayOwed to youGoing outCash heldOne useful follow-up
Week 1
Week 2
Week 3
Week 4
Browse free guides

This is a general visibility habit, not accounting, tax, lending, or financial advice. It does not assess the full financial condition of a business. Check consequential decisions with an appropriately qualified professional.

Use what helps. Leave the rest.

The free guides are here to make one part of the business easier to see—not to give you more work to carry.

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