Know Exactly What Your Business Can Pay You for the Next 90 Days
Even on a fluctuating income. A free worksheet and short training that walks you through projecting your business income one quarter at a time — built for service business owners who never see the same number twice.
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You open your banking app, look at the balance, and make a decision.
Can I pay myself this month? Can I cover that subscription I keep meaning to cancel? Should I say yes to that expense, or wait?
That's not a plan. That's a guess with a dollar sign on it.
And when your income moves every month, a big invoice one week and crickets the next, the guess gets riskier. You're the breadwinner. People are counting on this money. "I'll just watch the bank balance" stops being good enough real fast.
Here's what most advice gets wrong
It tells you to budget like your income is a salary. Set fixed amounts, stick to them, done. That works great if you get the same paycheck on the 1st and the 15th. It falls apart the second your income swings.
A fluctuating income doesn't need a tighter budget. It needs a projection: a clear, 90-day-out picture of what's likely coming in, so you can decide what to pay yourself and your business before the money lands instead of after.
I spent six years as a government tax auditor before I started doing this for online business owners. The owners who stay calm through a slow month aren't the ones with the most money. They're the ones who saw the slow month coming and already knew what it meant.
That's what this planner gives you. A 90-day heads-up, on paper, in about an hour.
What you'll walk away with
With the worksheet and the walkthrough training, you'll:
- Project your income 90 days out with a step-by-step method that holds up even when no two months match.
- See how your cash flow drives your profit, and why a "good month" in the bank doesn't always mean a profitable one.
- Connect your business income to your personal budget so you know what you can safely pay yourself without starving the business.
- Spot the slow stretch before it hits so you can plan around it instead of scrambling through it.
- Make money decisions on purpose, using a plan instead of whatever your bank balance happens to say that day.
Hi, I'm Clarissa
Accountant, financial strategist, and a former government tax auditor who now works with online business owners instead of auditing them.
My whole thing is making the money side of your business make sense without an accounting degree (because who has time for that?!). I help creative entrepreneurs read their own numbers, stop dreading tax season, and grow on purpose. The clients I work with don't get blindsided by a slow quarter, because we plan for it ahead of time.
This planner is the exact first step I'd walk you through. Get the next 90 days on paper so you can stop running your business off your bank balance.
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The worksheet and training go straight to your inbox, yours to keep. No card, no catch. I'll also send you the occasional email about managing the money in your business. No spam, and you can unsubscribe any time.
Plan one quarter. See how much calmer the next 90 days feel. Then decide if you want to do it again.
Send me the 90-Day Planner