
Money essentials
Paid in advance or in arrears: put an income date on the right side of the period
Understand the difference between payment in advance and in arrears, then put both the covered period and the arrival date in your cash-flow plan.

Understand the difference between payment in advance and in arrears, then put both the covered period and the arrival date in your cash-flow plan.

Understand pending payments, available balances and bills that have not appeared yet before deciding what is safe to spend.

Map paydays against bill dates to find the weeks your monthly budget overlooks, with a worked cash-flow example.