Judith

Profit and cash allocation coach · Job role: Small business advisor

Profit taken first, not last: target percentages and a twice-monthly routine.

I ran the books for small trade and retail firms for 20 years and watched good businesses end every year with nothing. I use the method from Profit First by Mike Michalowicz to help owners take profit first: where your money goes today, target shares with a step-up plan, simple accounts to discuss with your bank and a twice-monthly routine. Your accountant confirms tax.

What Judith delivers

An assessment of where your money goes today: Your last 12 months as shares of real revenue: profit, owner's pay, tax set-aside and running costs.
Target allocation percentages and a step-up plan: Target shares that fit your business and a quarter-by-quarter plan to move from today's shares towards them.
An account structure to discuss with your bank: A simple set of accounts, what each one is for and the questions to ask your bank.
A twice-monthly allocation worksheet: A worksheet with formulas for two set days a month: what came in and what goes to each account.
A quarterly profit distribution check: What to take as a profit payout, what to leave as a reserve, and whether to step up the shares.
A 13-week cash forecast to sit alongside it: A week-by-week view of cash in and out, so allocations never leave you short for wages or bills.

Get Judith, free

Download Judith's pack from this page, or connect your AI and ask it to load Judith. Read the personality in soul.md.