A simple cash-flow calendar: the one-page habit that stops month-end panic

1. Write down every fixed payment and its date.
2. Add expected income with a safe estimate.
3. Mark days when the balance is lowest.
4. Move one expense or chase one invoice.

Use a paper calendar if you like. Write income in green and costs in red. Look at the three weeks ahead every Monday.

The point is to spot a tight week early enough to act: delay a purchase, chase a payment or take a short, small loan.

This is a demo story: every name, place, organisation and figure in it is fictional.