The Weekly Money Routine That Will Change the Way You Run Your Business
If you’ve ever felt like you’re running your business in reaction mode—constantly putting out fires, scrambling before payroll, or discovering “surprises” after it’s too late—you’re not alone. Most small business owners don’t actually have a money problem. They have a visibility problem.
You can’t make confident decisions when you don’t know what’s happening in your bank account until the end of the month. And that’s exactly why weekly money routines exist: to help you run your business proactively instead of reactively.
Below is the simple weekly rhythm we teach our clients at A&L Bookkeeping—one that takes 20–40 minutes and transforms the way you handle cash flow, planning, and growth.
Why Weekly Beats Monthly Every Time
Numbers don’t go wrong all at once—they drift out of alignment quietly.
A customer stops paying.
A vendor bill doubles.
Payroll hits harder than expected.
A tax payment wipes out what you thought was “extra.”
Most business owners discover these things only after the damage is done. That leads to panic decisions, not strategic ones.
A weekly cadence prevents that chaos by helping you catch issues early, adjust faster, and plan intentionally.
Your Weekly Money Routine (20–40 Minutes)
1. Review Your Banking Activity
Check your bank feeds and transactions.
Categorize or reconcile anything new.
This keeps your books accurate in real time instead of leaving you with a month-end headache.
2. Review Your Accounts Receivable (Money Owed to You)
Look at all open and past-due invoices.
Ask yourself:
Who needs a reminder?
What’s expected this week?
Is a payment delayed because of a missing W-9 or approval?
Billing something doesn’t mean you’re getting paid. This is where many businesses leak cash every single week.
3. Review Your Accounts Payable (Who You Owe)
Look at upcoming bills.
Decide what needs to be paid now vs. what can wait.
Double-check for errors or unexpected charges.
This prevents surprises and protects your cash flow.
4. Review Your Cash Position & Short-Term Forecast
Check today’s balances.
Project the next 1–2 weeks.
Ask:
What’s coming in?
What’s going out?
How will payroll affect the balance?
This replaces anxiety with clarity. You’ll know what's coming rather than hoping for the best.
5. Make Your Weekly Profit First (or Allocation) Transfers
Move money into the accounts you've assigned for:
Owner’s Pay
Profit
Operating Expenses
Taxes
Payroll
Cost of Goods Sold
Reserves
This makes sure every dollar has a job and keeps you from overspending without realizing it.
Why This Works
This rhythm eliminates the two biggest killers in small business:
1. Month-end panic
2. Guessing instead of planning
You gain visibility, control, and confidence. scaling doesn’t create chaos—it just exposes the cracks already there. A weekly cadence strengthens your foundation before those cracks become emergencies.
When the Routine Feels Heavy… That’s Where We Step In
Not every business owner has the time, capacity, or desire to play financial detective every week. That’s why we handle the heavy lifting:
We keep your books clean and up to date.
We flag issues before they become emergencies.
We support you with advisory so you can make smart decisions with confidence.
Imagine starting your week knowing exactly where your cash stands—and feeling calm instead of stressed.
If you’re ready for that kind of clarity and consistency, reach out. We’ll help you build a money routine that fits your business and supports your long-term goals.