Know what is in the bank next month: 10 AI skills for the money side.

10 skills for knowing what is actually in the bank next month.

all 10 free, nothing to sign up for ↓

profitable businesses close because of cash, not profit. the rent, the VAT, the wage rise and the rates bill do not arrive evenly, and a good December followed by a normal January is exactly the shape that kills a venue. this is 10 Claude and Codex skills for the money side, built on the UK dates that actually cause it.

what they get you:

- thirteen weeks of cash on one page, so January stops being a surprise
- take a deposit the customer accepts and the law allows
- get the invoice paid without losing the customer
- the daily check that finds the money that went missing
- every VAT return and payment dated for the year, so you never pay a penalty
- ask your suppliers for the terms you are actually entitled to
- decide refund or keep the same way every time, and defend it
- a bookkeeping set-up that stops month end taking a week
- how much cash January actually needs, worked out in October
- what a small venue can really borrow, and what it truly costs

the forecast is built on the calendar, not on a spreadsheet template. VAT one month and seven days after the quarter. PAYE on the 22nd, or the 19th if you post it. the wage step on 1 April. the rates bill in February or March. that is why it catches the month the generic templates miss.

two things changed recently and most advice has not caught up. retail, hospitality and leisure business rates relief has ended, GOV.UK now says outright "you cannot make a new claim", and from 1 April 2026 it is lower multipliers instead. and the CMA's unfair contract terms guidance was replaced on 22 July 2026, so the deposit skills quote the new version and carry a rule against carrying the old quotations forward.

the chase one does not send the angry email. it works the Pre-Action Protocol for Debt Claims in order, and it prices the statutory interest and the fixed recovery sum under the Late Payment of Commercial Debts (Interest) Act 1998, which most small suppliers never claim because nobody told them they could.

half of them think it through in Claude, half get it done in Codex. one folder each. a minute to install.

no bookkeeper needed to run it, no subscription, no lender's calculator that quietly optimises for the lender. your own numbers against the published rules.

10 skills. one complete system.
and I'm giving the entire thing away for free

public information only, nothing invented. nothing in the pack moves money, files a return, or applies for finance. anything touching tax, contracts or debt recovery prepares the work for your accountant or solicitor to check. it never pretends to be the advice.

Comment "CASH" and I'll send you the whole pack.

(and connect if we aren't yet - the DM won't go through otherwise)

#Hospitality #SmallBusiness #CashFlow