P-004
Cash Flow Field Manual

Cash
Flow
Field
Manual

Surviving feast and famine without losing the business.

Buy the manual -- PS9
Instant download
No subscription
Works offline
No account
PS9 One-time -- Instant download

PDF manual
+ companion tool
No subscription. Ever.

10
chapters covering the full cash flow system
9.5K
words of practitioner-direct content
2
files in the bundle: PDF manual + HTML audit tool
PS9
once. No subscription. No upsell.
The problem

If any of this sounds familiar

01
The account looked healthy. Then the tax bill arrived.

Most solo businesses run on one account. Tax money and operating money sit together. You spend some. You spend some more. Then January comes and the bill is for money that was never actually yours.

02
You quoted the project. The client paid 47 days later. You funded six weeks of work.

Project-end invoicing transfers all the cash flow risk to you. Deposits and milestones reverse it. Most solopreneurs have never been told this is negotiable. It is.

03
The slow month ended. The damage took longer.

Without a buffer and a protocol, a slow month does not just cost revenue. It costs pricing confidence, client selectivity, and two months of recovery mode. It leaves a mark that outlasts the month itself.

What is in the bundle

Two files. No fluff.

File 01 -- PDF

Cash Flow Field Manual

Ten chapters covering the full cash flow system for a solo business. Runway calculation, three-bucket account structure, invoicing cadence, deposit mechanics, late payment recovery, buffer sizing, tax discipline, dry-month protocol, retainer ratio, and side income logic. Read once. Use as a reference.

10 chapters
Approx. 9,500 words
Worked examples with real numbers throughout
Scripts for invoicing, chasing, escalating
Open in any PDF reader. Print if you prefer paper.
File 02 -- HTML Tool

Cash Flow Audit

Two tools in one file. Section A is a live cash position calculator: enter five numbers, get your runway, buffer target, bucket split, and late-payment exposure. Section B is a 10-axis discipline check that grades your cash flow system and tells you where to start.

Live calculator -- results update as you type
10-axis discipline check, scored and graded
Works offline -- open in any modern browser
No account. No login. No data sent anywhere.
Axes match chapter titles exactly
Inside the manual

Ten chapters

1
The Runway Truth
What the balance actually tells you -- and what it hides. How to calculate real runway in under ten minutes.
2
The Three Buckets
Operating, tax, and personal: why one account fails and how to set up the split system in an afternoon.
3
Invoicing That Gets Paid
Timing, payment terms, and the four-touchpoint follow-up cadence that cuts late payments before they start.
4
Deposits and Milestones
How to stop funding your clients' projects. Deposit percentages, milestone timing, and the cash flow effect of front-loading.
5
Late Payment Recovery
The five-rung escalation ladder with exact scripts for each rung. Statutory interest. Small claims. When to write off.
6
The Slow-Month Buffer
How much to hold, where to hold it, and the trigger rule that prevents raiding it for the wrong reasons.
7
Tax: The Silent Eater
Set-aside discipline, Payment on Account, allowable expenses most solopreneurs miss, and the quarterly check.
8
The Dry-Month Playbook
Immediate cuts, protected spend, revenue acceleration moves, and cash conservation -- written down before you need it.
9
Pricing Mix for Cash Flow
One-off vs retainer ratio, the project premium, converting clients to recurring, and the retainer problems to avoid.
10
When to Take a Side Income
The 20-hour test, side income ranked by cash flow quality, and why most side incomes cost more than they produce.
The companion tool

Know your numbers before you open the manual

The Cash Flow Audit is a single HTML file. Open it in any browser. Enter your numbers. The calculator tells you your runway, buffer target, bucket split, and how much revenue is tied up in slow-paying invoices -- live as you type.

Then score your cash flow discipline across 10 axes. Get an overall grade out of 50. See your weakest axis. Get a recommended action to start with.

Live cash position calculator -- 5 inputs, 4 outputs
10-axis discipline check graded A+ to D
Works offline. Zero external dependencies.
No data leaves your machine
What this is not

Honest about what it does not do

This is a field manual about cash flow structure and discipline. It is not a substitute for professional advice and does not pretend to be.

Not an accountant -- use one for your specific tax position
Not tax advice -- percentages in the manual are starting points, not filing instructions
Not bookkeeping software -- use whatever your accountant prefers
Not legal advice -- for contract disputes, use a solicitor

What it is: the structural discipline that makes all of those things work better -- or possible at all. The plumbing underneath. Most solopreneurs are missing it entirely.

Run the system.

Ten chapters. One HTML tool. The complete cash flow discipline for a solo business. No subscription. No account. Yours.

In the bundle
Cash Flow Field Manual -- PDF, 10 chapters
Cash Flow Audit -- HTML tool, offline, no login
Readme.txt -- what is in the files and how to use them
Buy the manual
PS9
Instant download via Gumroad
PDF + HTML tool + readme
Works offline
Single user licence