Cash Timing
Daily sales can create confidence, but weekly wages, monthly rent and quarterly BAS can remove cash quickly.
Cash / Timing / Bills
Cashflow Intelligence™
Cashflow is the timing of money coming in and money going out. Profit on paper does not help if bills are due before cash is available.
Dry cleaners and laundries often collect money daily, but rent, wages, super, suppliers and BAS arrive in larger lumps. Cashflow Intelligence™ helps owners separate and prepare.
Plain-English Owner Education
What this means inside a garment care business.
DCME explains the business in the language owners use every day: cash, staff, customers, risk, equipment, profit and control.
Safe To Spend
Safe-to-spend cash is what remains after GST, PAYG, super, rent, wages, suppliers and utilities are set aside.
Holding Accounts
Separate ATO, super, bills and reserve accounts help prevent accidental spending.
Emergency Reserve
Equipment breakdowns, quiet weeks, staff issues and energy bills require a buffer.
Simple Example
Bank Balance$50,000
Obligations$24,000
True Available Cash$26,000
Emergency ReserveProtected separately
Why this matters
Understanding creates better decisions.
When the owner understands the numbers, risks and operating pressure, the business can make better choices about pricing, staff, equipment, marketing and software.
FAQ
Common owner questions.
Is cashflow the same as profit?
No. Profit is performance. Cashflow is timing and availability of money.
Why use separate accounts?
They make liabilities visible and reduce accidental spending.
What is safe-to-spend cash?
Money left after known obligations are set aside.
Explore. Learn. Understand. Then decide.
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