Workshop Modules

Five Sessions Toward Financial Clarity

The Daily Step Flow workshop is structured as five connected sessions. Each one addresses a distinct aspect of cash flow management — but they build on each other deliberately, so the full picture only emerges when you complete the program.

Business owner tracking daily inflows and outflows in a simple notebook system
Module 1

Inflows and Outflows: The Foundation

We begin with the most fundamental distinction in cash flow: the difference between money you have earned and money you actually have access to. Many business owners discover in this session that they have been mentally treating these as the same thing — and that this confusion is the source of many cash surprises.

We build a simple weekly tracking system that anyone can maintain. No software required. The goal is awareness before optimisation.

2 hours Small group Practical exercises
Entrepreneur mapping seasonal business patterns on a large wall calendar with colored markers
Module 2

Seasonal Oscillations: Planning the Year

Every trade and every business has a rhythm. Some have obvious peaks — summer tourism, pre-Christmas retail, spring construction. Others have subtler patterns that only become visible when you map them. This session makes your specific seasonal pattern visible and turns it into a planning tool rather than a source of anxiety.

Participants create a 12-month income and obligation map for their own business and identify the two or three months that carry the most financial pressure.

2 hours Small group Seasonal mapping
Small business owner reviewing supplier invoices and planning payment schedule at a well-lit workbench
Module 3

Supplier Obligations: Managing the Outflow Side

Supplier payments are often the most controllable part of the outflow picture — because unlike tax deadlines, they sometimes involve negotiable timing. This session covers how to understand your supplier payment structure, how payment timing affects your cash position, and what questions are worth asking suppliers about payment terms.

We also look at the relationship between late supplier payments and business reputation — a practical consideration that purely financial analysis often overlooks.

2 hours Small group Payment strategy
Craftsperson studying tax obligation calendar and contribution schedule pinned above their work desk
Module 4

State Obligations: The Unmovable Deadlines

VAT returns, income tax prepayments, pension and health contributions — these dates are fixed and the consequences of missing them are real. This session maps every recurring state obligation onto a calendar and shows how to build these into your cash plan so that each deadline has funds allocated well before it arrives.

We do not give tax advice. We help you understand the rhythm of your obligations so they are never a surprise.

2 hours Small group Tax calendar
Full Program

Complete Workshop Curriculum

Five sessions, each approximately two hours. The program is sequential — each session assumes the previous one has been completed.

1

Mapping What You Have — Inflows and Outflows Baseline

Participants document their complete income picture — all sources, typical timing, and the gap between invoice date and payment receipt. We establish a simple weekly tracking habit that serves as the foundation for everything that follows. No software required — we start with paper and a clear system.

2

When Timing Matters More Than Totals — Understanding the Cash Gap

A business can be profitable on an annual basis and still face a crisis in a specific week or month. This session explores the mechanism behind cash gaps — why they happen, how to see them coming, and what the difference is between a cash flow problem and a profitability problem.

3

The Twelve-Month Picture — Seasonal Mapping and Reserve Planning

Each participant builds their own 12-month income and obligation map. We identify the high-pressure months and calculate how much reserve is needed to carry through them comfortably. We also discuss simple approaches to building that reserve during strong months.

4

Obligations Calendar — Suppliers and State Payments on One Timeline

All recurring financial obligations — supplier payment schedules, VAT deadlines, contribution dates, tax prepayment windows — are mapped onto a single calendar. For most participants, this is the first time they have seen every obligation on one page. The result is immediate clarity about which months are genuinely heavy.

5

Your Personal Cash Flow Plan — Putting It All Together

The final session integrates all previous work into a personal cash flow plan. Participants leave with a living document they can update themselves — a weekly tracking section, a 12-month seasonal view, and an obligations calendar. We also cover how to review and adjust the plan as business conditions change over time.

Practical Details

What to Know Before You Come

📍

Location

All sessions take place at Ul. Josipa Jovića 23A, 21000 Split. The space is set up for small group work — round tables, working materials provided, no lecture-style seating.

👤

Group Size

Sessions are kept small intentionally. Small groups allow every participant's specific situation to receive genuine attention and allow open discussion that simply is not possible in a larger setting.

📄

What to Bring

Bring a rough sense of your monthly income pattern, your regular expenses, and your upcoming obligations. Exact numbers are helpful but not required. The first session helps clarify what information is useful.

📞

Schedule and Registration

Contact us at info@aily-step-flow.com or +385 91 637 0822 for current session dates and availability. We will confirm details and provide any preparation materials in advance of the first session.

Start With Session One

Contact us to learn about upcoming dates and available places in Split.

Register Now Why Us