Your numbers at a glance · September 2026 click a figure to open it
Revenue by month
Read from your accounts each month, October 2025 to September 2026. Hover a month for net profit and margin.
Cash over the next 13 weeks
Your forecast rolled forward this week. The dashed line is the floor you set.
Needs you this week
- cash Bring the two Wynnum design invoices ($18,600) forward and the week-6 dip clears. See the forecast
- renewal Public liability insurance is due in 45 days; two quotes are worth getting. Open the register
- chase Two invoices over 60 days ($9,800). Tuesday is chase day. See the list
- ads Google search is at $86 a lead against a $120 target; room to raise the budget. See marketing
This month's pack, in three points
Prepared by the 10th, from your accounts, with three points from us.
- Spring lifted revenue 5% but stock bought in August pushed the cash low point under the floor in week 6.Point 1
- Maintenance contracts are now 34% of revenue and pay in 12 days; retail averages 41. The mix is doing the work.Point 2
- Super for the September quarter ($6,100) is due 28 October. It is in the forecast.Point 3
Your cash over the next 13 weeks
Read straight from your model. Update the figures below when things change and the charts, the model and the workbook you download all refresh together.
Closing cash by week
Money in and money out, by week
The levers, from your model
Low point after the levers: $57,200. The lever tables are in the workbook; ask us to change them, or download it below.
Update your figures
These are the model's input cells only; the formulas and outputs are locked. Your update becomes version 8.
September 2026 pack
Your monthly numbers, read from your accounts, with the three points that matter. Month 3 of the financial year.
Revenue and net profit, this year against last
Same months last year in the lighter bars. Hover for the figures.
Where the money is
| Line | Sep | Aug |
|---|---|---|
| Cash at bank | $96,400 | $120,400 |
| of which GST, PAYG and super owed | $38,900 | $31,200 |
| Trade debtors | $62,300 | $58,100 |
| Stock and plants on hand | $41,700 | $29,900 |
| Trade creditors | $27,600 | $19,800 |
| Debtor days | 31 | 29 |
| Creditor days | 24 | 22 |
The three points
- Spring lifted revenue 5% but stock bought in August pushed the cash low point under the floor in week 6. Bring the two Wynnum design invoices ($18,600) forward and the dip clears.Point 1
- Maintenance contracts are now 34% of revenue and pay in 12 days; retail averages 41. The mix is doing the work.Point 2
- Super for the September quarter ($6,100) is due 28 October. It is in the forecast.Point 3
Quote to cash
Where every job is between the enquiry and the money in the bank, from your job system and your accounts. The steps came from the Backbone Review.
Chase list, ranked by what it does to the cash low point
| Customer | Invoice | Amount | Days |
|---|---|---|---|
| Wynnum renovation (design, stage 2) | INV-1187 | $11,800 | 34 |
| Wynnum renovation (design, stage 3) | INV-1204 | $6,800 | 19 |
| Northside Body Corporates, planters | INV-1162 | $5,400 | 67 |
| Coastal Aged Care, courtyard | INV-1158 | $4,400 | 72 |
| Domestic retail, 3 accounts | various | $3,000 | 12 |
Tuesday is chase day. The two over 60 days get a call, not an email.
Done but not billed
| Job | Finished | Value |
|---|---|---|
| West End Electric, quarterly maintenance | 26 Sep | $4,200 |
| Bulimba courtyard install | 24 Sep | $7,600 |
| Variation: extra 40 lilly pillies, Wynnum | 22 Sep | $2,500 unsigned |
Anything here older than five days is money you have spent and not asked for. The variation form on the van stops the third row happening again.
How the flow is set up
- on 30% deposit on every design job over $2,000, on the quote template
- on Invoice on completion, 14-day terms, reminder at 7 and 14 days
- week 3 Variation form on the van, signed before extra work
Leads and marketing
Where enquiries come from, what each source costs, and what a customer costs you to win. Spend is what you actually paid, excluding GST; enquiries are the ones that reached you.
Enquiries by source, last 90 days
Hover a bar for spend and customers won.
By source
| Source | Spend | Leads | Won | Per lead | Per customer |
|---|---|---|---|---|---|
| Google search ads | $1,540 | 9 | 4 | $171 | $385 |
| Referrals (word of mouth) | $0 | 6 | 3 | — | — |
| $420 | 4 | 1 | $105 | $420 | |
| Website (organic search) | $0 | 2 | 1 | — | — |
| Directory listing | $180 | 1 | 0 | $180 | — |
Google search costs more per lead than the $120 target but wins one in two, so it is well under the $750-a-customer target: keep it. The directory has had one lead in 90 days; give it another quarter, then drop it.
Tracking links for your ads
Every ad points at your website with a code on the end. Enquiries through that link are counted here. No cookies, no tracking pixels.
yourbusiness.com.au/?c=google-searchyourbusiness.com.au/design?c=instagramyourbusiness.com.au/?c=directoryRegisters
What renews and who matters. We remind you before each renewal; you press Renewed when it's done.
Renewals 1 due within 60 days
| What | Due | Cost | Owner |
|---|---|---|---|
| Public liability insurance critical Allianz, policy 41-2288 | 14 Nov 2026 in 45 days | $2,860 | Jacqui |
| Nursery van registration | 2 Dec 2026 | $940 | Sam |
| Business name (ASIC) | 19 Mar 2027 | $44 | Jacqui |
| Online shop subscription | monthly | $49 | Jacqui |
| Yard lease, Wynnum critical 3-year option, 6 months' notice | 30 Jun 2027 | $48,000 | Jacqui |
People 1 key person with no cover
| Who | Role | Covered by |
|---|---|---|
| Jacqui key person Designs, quotes, client relationships, the only licence holder | Owner | no one yet |
| Sam | Nursery hand, installs | Jacqui |
| Priya (part-time) | Bookkeeping, invoicing | Jacqui |
The Backbone Review counted seven decisions only Jacqui can make. The plan brings that down to three by December.
Your 90-day plan
From the Backbone Review, ranked by dollar value, with an owner and a date on each. Tick them here as they're done.
- Take a 30% deposit on every design job over $2,000Stops $14,000 of work a year being funded by you. No software needed.Jacqui · done 12 Aug
- Open a tax set-aside account; move GST and PAYG weeklySo the bank balance is money you can spend.Jacqui · done 19 Aug
- Variation form on the van: nothing extra without a signatureLast year's unbilled variations were worth about $9,200.Sam · 14 Oct
- Chase day every Tuesday; over-60s get a callDebtor days from 31 to 24 is $12,000 back in the bank.Jacqui · 21 Oct
- Renew public liability before 14 November; get two quotesCritical: the business can't operate without it.Jacqui · 7 Nov
Documents
Everything we have sent you, and everything you have sent us. Every model and report can be downloaded at any time.
From us
From you
Messages
Where the numbers come from
Pick the system you use. Each one feeds this page read-only; nothing is ever written back to your books.
Connection status connected · read-only
| Connected | 12 Aug 2026, by Jacqui, on Xero's own login page |
| Last month loaded | September 2026 · 1 Oct |
| What we can see | Reports, bank balances, invoices and bills, bank transactions (read) |
| What we cannot do | Create, change or delete anything in your file |
Get this for Example Business
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