Finsway blog

Plan the cash before it gets busy.

Plain-language guides for project businesses with uneven income. Learn what each client payment needs to cover, then keep tax, owner pay, operating costs and reserves visible.

Start with the bank-balance guide

Cash-planning series

Start with the bank-balance guide, then build tax-saving and cash-reserve routines for uneven income.

Your bank balance is not your spending limit

Start here

5 October 202610 min read

See why your bank balance can overstate what is available to spend.

Cash planning
Project businesses

See what is actually spendable

How to save for taxes with irregular income

5 October 202615 min read

Build a tax bucket that follows the income your business actually receives.

Irregular income
Tax planning

Build a safer tax routine

How many months of cash reserve should a small business keep?

New guide

8 October 20266 min read

Set a reserve target from the payments that would continue during a disruption.

Cash reserves
Business resilience

Set a reserve target

The method behind the writing

Margin-first starts with purpose.

Margin-first is Finsway’s name for a two-stage, purpose-led planning method: account for the direct project costs first, then assign the remaining margin to the work it needs to do.

See how it works