CIFROVA / BLOG
Clearer thinking about money.
Practical reading for the money at home and the decisions at work.
Business
Featured reading
VAT you collected is not your money: set it aside the day it arrives
A shop or rental business that reads its bank balance as cash is heading for a bad surprise on the VAT payment date. Here is the weekly habit that fixes it.
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Business
What your accountant needs from you each month, and when
The five things a contabilista certificado waits for, and why handing them over on the 5th gets your accounts back in days, not weeks.
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Business
Cash runway: the one figure to know every Monday
Bank balance is not runway. Learn to compute real free cash and read it before it reads you.
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Business
The weekly bank match: thirty minutes that save the month close
A six-person consultancy matches its bank lines every Friday. Here is the arithmetic behind why the month then closes in a morning.
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