Cashowa
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Commission timing, client money kept separate, and income that arrives in lumps.
This is a world of lumpy income. A property sale, a completed case, a closed deal. The work happens over months and the fee arrives on one day, which makes any single month a poor guide to how the business is doing. Judging yourself on a month here is like judging a farmer on a week.
There is also a hard line between client money and your money. Anything held on behalf of a client is not revenue and should never be sitting in the same mental bucket as your fees. Getting that wrong is not just untidy, it is a compliance problem.
Costs are dominated by the fixed things. Professional indemnity, practising certificates, regulatory fees, software, referral fees and marketing. They arrive whether or not you completed anything this month, which is what makes the quiet stretches uncomfortable.
20 categories, each with its own page.
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