Financial Planning

How to set up a rolling 3-month cashflow safety net for sole traders with variable income

I still remember the first time my income vanished for a month. No dramatic collapse—just a quiet run of cancelled bookings that left my bank balance looking alarmingly thin. That experience taught...

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How to build a 12-month cashflow buffer when your income is seasonal

Seasonal income can feel like riding a rollercoaster: big highs, long quiet periods and the constant worry that one slow month will sink you. Over the years working with UK micro‑businesses and...

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