31 Day Cash Flow Challenge Day #21 – Do you know the difference between a balance sheet and Profit & loss?

Ezypay’s 31 Day Cash Flow ChallengeThe error many people make is to focus on their businesses profit and loss statement to the exclusion of all else. It’s a potentially fatal mistake because healthy profits can mask a cash flow crisis.

Profit and loss statements do not usually contain the information required to make an adequate cash flow projection.

To get across cash flow, you must start with a properly structured balance sheet that has all the detail, from inventory and debts to interest costs. You must know and understand the numbers. Business owners often think that’s what their accountant is for, but they couldn’t be more wrong.

Only with a comprehensive balance sheet in hand is it possible to construct a useful cash flow budget. Sometimes called a cash flow projection, this vital document is a “best guess” at a business’ cash inflows and outflows over a period of time.

Tip from Smart Company website.

Follow the 31 day Cash Flow Challenge here and on Facebook.

Related posts:

  1. 31 Day Cash Flow Challenge Day #18 – Do a cash flow projection
  2. 31 Day Cash Flow Challenge Day #17 – Spread out payments over a reasonable time frame
  3. 31 Day Cash Flow Challenge Day #13 – Invest spare cash in a high interest account
This entry was posted in Business finance, direct debit, Ezypay 31 Day Cash Flow Challenge, Small business and tagged , , , by Simon. Bookmark the permalink.

About Simon

Simon is the Marketing Manager at Ezypay the fitness industry’s largest direct debit provider and publisher of the Australian Fitness Industry Survey. He has over 20 year’s fitness industry experience having worked in the UK, New Zealand and Australia. Simon has extensive experience at all levels of club operations and management spending 7 years at the YMCA as the General Manager for Fitness in Auckland and Sydney. Simon has also contributed to Fitness New Zealand as the elected Chairman for a number of years. Simon has previously presented at FILEX, NZRA, YMCA World Urban Alliance and many other conferences.

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