How To Stay on Top of Your Money

Flying solo with your business? Then you already know that without a financial system, it’s way too easy to fall into the trap of disorganization, missed payments, or “yikes, surprise expenses”. But here’s the good news: with just 7 monthly habits and a tool like Cashflowy, you can bring calm to your cash flow and feel on top of your money every single month.

Why Monthly Money Habits Matter for Freelancers

When you're a solopreneur, it's easy to push money stuff to the bottom of your to-do list. You're juggling client work, marketing, admin, you're lucky if you remember to eat lunch.

But here's the deal: ignoring your finances creates chaos. You end up blindsided by expenses, confused about where your money went, and stressed during tax time.

Consistent monthly habits are the antidote. With a solid routine, and a smart tool like Cashflowy, you can:
✅ Stay organized
✅ Predict and plan your cash flow
✅ Stop money leaks before they drain you
✅ Actually enjoy being your own CFO (kind of)

1. Review Your Cash Flow (Do It Inside Cashflowy)

Each month, log into Cashflowy and check your income and expenses for the past 30 days. The dashboard gives you a bird’s eye view of:

• Total income

• Total outflow

• Net cash flow

• Upcoming income/expense forecasts

No spreadsheets. No manual tracking. Just clarity.

Cashflowy Tip: Use the "future forecast" view to spot upcoming dry spells or heavy expense weeks. Then plan ahead with confidence.

2. Reconcile Your Transactions

It’s not glamorous, but it’s non-negotiable. Reconcile your bank and business transactions to catch errors, double charges, or weird surprises.

Inside Cashflowy, it’s ridiculously simple. Just connect your bank account and quickly categorize what’s what.

Why this matters:

• Accurate books = less stress at tax time

• You’ll know where every dollar went

• You can finally stop saying, “I think I made a profit?”

3. Set Aside Taxes

No one likes the tax man sneaking up on them. But if you're a solopreneur, it's on you to plan ahead.

Each month, move a percentage of your revenue (usually 25–30%) into a separate account for taxes.

Cashflowy Hack:
Tag incoming revenue with “Tax Hold” to automatically visualize how much you need to reserve.

4. Chase Down Late Invoices (And Pay Your Bills)

If you're not getting paid, you're not in business. Take 10 minutes each month to:

• Review unpaid invoices

• Send gentle nudges (or not-so-gentle, if it’s overdue)

• Confirm all your own bills are paid and scheduled

With Cashflowy’s transaction timeline, you can track all your due dates in one place. No more guesswork.

5. Revisit and Adjust Your Budget

Budgets should bend, not break. Every month, check in on your spending categories:

• Are you going over budget in any areas?

• Are there tools or subscriptions you no longer use?

• Is there room to invest more in growth?

Cashflowy makes this crazy simple by showing category-level spend over time, so you can actually see what’s working and what’s not.

6. Track Your Key Financial Metrics

If you're not measuring, you're guessing. And guesswork is risky business.

Each month, make it a habit to track:

• Net profit

• MRR (Monthly Recurring Revenue)

• Operating expenses

• Cash runway (how long your money will last)

Cashflowy Pro Tip: All of these metrics are built into your dashboard. Just log in, review, and move on.

7. Forecast the Month Ahead

You know what’s better than reacting to a crisis? Avoiding one altogether.

Use Cashflowy’s forecast tool to look ahead:

• Do you have enough cash to cover upcoming expenses?

• Can you afford to invest in that new software or contractor?

• What’s your revenue projection?

Even a 5-minute check can shift your decision-making from reactive to proactive.

You Deserve Financial Peace

Listen, you didn’t start your business to spend hours wrestling spreadsheets or stressing about taxes. You’re here to build something meaningful, on your terms.

So let Cashflowy take the heavy lifting off your plate.You handle the vision, let Cashflowy handle the math.

Hate Bookkeeping. Make Bank.

Cashflowy does the math and tracking you dread: bookkeeping, cash tracking, and tax estimates — all done automagically. You get plain-English clarity and a clear path to higher profits. No overwhelm. Just automagic control.

👉Start your free trial at Cashflowy.com

FAQs

1. Do I need to be good with numbers to use Cashflowy?
Not at all. Cashflowy is made for creative solopreneurs, not accountants. It simplifies the complex into clean charts and timelines.

2. How long does the monthly routine take?
Usually under an hour—often way less if you’ve been using Cashflowy throughout the month. Set a recurring reminder and you’re golden.

3. Can Cashflowy help with taxes?
Absolutely. It helps you estimate taxes monthly and tags income so you always know how much to set aside.

4. Is there a free version of Cashflowy?
Yep! There’s a free trial, and affordable pricing that fits solopreneur budgets. Try it out and see the magic for yourself.

Keep Your Money Game Strong 

Let’s be real, money management will never be the sexiest part of solopreneurship. But it is the difference between struggling and scaling.

Just by building these 7 habits and plugging into Cashflowy, you’re setting yourself up for:
✅ Profit clarity
✅ Less stress
✅ Smart decisions
✅ Peace of mind

You’ve got the hustle. Now get the financial system to match.Click here to try Cashflowy for FREE now and stop dreading your finances.