Educational Program — Not Accounting Services

Cash Flow
Starts With
Understanding It

A hands-on workshop for craftspeople and small business owners who want to understand where their money goes, prepare for slow seasons, and pay every obligation on time — without stress.

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Cash Flow Basics

Understand the difference between profit and liquidity. Your business can earn well and still run short on cash.

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Seasonal Planning

Build a simple cash reserve strategy that carries you through the slow months without cutting into operations.

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Supplier Relations

Learn how payment timing with suppliers affects your own liquidity and how to negotiate better terms.

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Tax Obligations

Map out your recurring state obligations so nothing catches you by surprise at the end of a quarter.

Small business owners participating in a cash flow workshop session

Workshop Focus

Cash Flow
What This Is About

Running a Business Is Not the Same as Managing Its Money

Most craftspeople and small business owners are excellent at what they do. The craft, the service, the product — that part works. What often doesn't work is the financial side: unpaid invoices stacking up, a tax deadline appearing out of nowhere, or a supplier demanding payment when the account is empty.

This workshop is not accounting. It does not replace your bookkeeper. What it does is give you the mental framework and practical tools to understand your own cash flow — so you can make better decisions every single week.

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Practical Focus

Tools you can use the next day

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No Jargon

Plain language throughout

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Small Groups

Real discussion, real questions

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No Accounting

Education only — not advisory

About the Program
Workshop Modules

Four Core Areas of Cash Flow Literacy

Each module builds on the last. Together they give you a complete picture of how money moves through your business and how to stay ahead of it.

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Inflows and Outflows

The foundation. Learn to distinguish between money you've earned and money you actually have. Understand how timing creates gaps — and how to close them.

Invoice timing Payment gaps Daily tracking
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Seasonal Oscillations

Many trades have slow seasons and busy seasons. This module shows how to build a buffer during good months so that a quiet July doesn't threaten your business in August.

Cash reserves Seasonal forecast Expense timing
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Supplier Obligations

Paying suppliers on time builds relationships and keeps supply chains intact. Understand how your payment schedule affects your cash position — and how to plan around it.

Payment calendar Credit terms Cash position
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State Obligations

VAT, income tax, contributions — these dates do not move. Learn to plan ahead so that every deadline is already covered in your cash plan long before the due date arrives.

Tax calendar Contributions VAT planning
How It Works

From Confusion to Clarity in Four Steps

The workshop follows a structured progression — each session builds directly on the previous one.

1

Map Your Current Flow

We start by laying out what money comes in, when, and what goes out. No judgment — just clarity about the actual picture.

2

Identify the Gaps

We look for the moments where cash gets tight — late payments, bunched obligations, seasonal dips — and name them clearly.

3

Build Simple Systems

Practical tracking tools, a cash calendar, and a reserve approach — nothing complicated, everything usable from day one.

4

Apply and Review

Participants leave with a personal cash flow plan and the knowledge to maintain and adjust it as their business evolves.

Workshop Journey

How Cash Flow Understanding Develops Over Time

Each milestone in the workshop program corresponds to a real shift in how participants think about and manage their business finances.

Session 1

The Baseline

Participants document their current financial picture — income sources, regular expenses, irregular obligations. Many find this is the first time they have seen everything in one place.

1
2
Session 2

Understanding Timing

We explore why timing matters more than totals. A business can be profitable on paper and still bounce a payment. This session makes that gap visible and understandable.

Session 3

Seasonal Mapping

Each participant sketches their own seasonal pattern — when business is strong, when it slows, and what obligations fall during each period. The result is a twelve-month awareness map.

3
4
Session 4

Obligations Calendar

All recurring state and supplier obligations get mapped to a calendar. Participants can see, for the first time, exactly which months carry the heaviest financial load.

Session 5

Personal Cash Plan

The final session brings everything together into a working cash flow plan — a living document participants can update themselves and use week to week in their business.

5
Why It Matters

Most Business Problems Are Actually Cash Flow Problems

When a small business hits trouble, the root cause is usually not the quality of the work or the size of the market. It is the gap between when money was earned and when it actually arrived. This workshop addresses that gap directly.

Understanding cash flow gives you a different kind of confidence — not the confidence of having a lot of money, but the confidence of knowing where it is, when it arrives, and how long it needs to last.

Craftspeople Tradespeople Freelancers Shop owners
Business owner reviewing cash flow planning documents at a bright desk
Common Questions

Questions People Ask Before Joining

Workshop participant asking a question during a small group session

No. This is an educational workshop — not a replacement for your accountant or bookkeeper. We teach you how cash flow works and how to track it yourself. We do not prepare financial statements, file taxes, or give personalised accounting advice. Think of it as learning to read a map — we show you how the map works, not where to go.

None at all. The workshop is built from the ground up for people who do not have a finance background. We use plain language, real examples from trades and small businesses, and we go at a pace that allows everyone to follow. If you can read a bank statement, you have everything you need to start.

The workshop is designed for craftspeople, tradespeople, freelancers, and small business owners — particularly those operating as sole traders or small registered companies. If you invoice clients, pay suppliers, and have recurring obligations to the state, this workshop addresses your situation directly. It is not designed for larger enterprises or financial professionals.

The workshop format allows you to work with your own actual numbers in a guided setting. You can ask questions, hear how others in similar situations approach the same problems, and leave with a plan that reflects your business specifically — not a generic template. Reading is useful, but application in a group setting accelerates understanding significantly.

After completing the workshop, you will be able to: track your inflows and outflows on a weekly basis using a simple system, build a 12-month cash projection that accounts for seasonal changes, map your supplier and state obligations onto a calendar so nothing arrives as a surprise, and identify potential cash shortfalls before they become crises. These are practical skills, not theoretical concepts.

The workshop is held in Split at Ul. Josipa Jovića 23A. The full program consists of five sessions, each approximately two hours long. Sessions are held in small groups to allow genuine interaction and individual attention. Contact us for the current schedule and available dates.

Ready to Understand Your Cash Flow?

Join a small group workshop in Split and leave with a practical cash plan for your business.

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