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◆ For Business Owners · money & cash flow

Money & cash flow

List of money and cash-flow prompts that actually help me not run out of cash and keep more profit in hand.

97ready prompts
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97 of them — tap, copy, paste
Sort my daily cash vs UPI messAct like my cash-flow buddy. I’ll paste yesterday’s sales and payments: cash, UPI, cards,…+
Act like my cash-flow buddy. I’ll paste yesterday’s sales and payments: cash, UPI, cards, Paytm, udhaar. Show me: how much really came in, how much is just ‘sales without cash in hand’, and a simple one-line summary of what this means for my cash today. Here is the data: [paste date-wise list with mode and amount].
when the reply comes backAsk it to show the same calculation as a tiny table you can update daily.
See who is actually paying lateI have customers who always say ‘kal de dunga’. I’ll paste my udhaar list with names,…+
I have customers who always say ‘kal de dunga’. I’ll paste my udhaar list with names, dates, and amounts. Make a table: customer, total due, oldest invoice age, and mark ‘high risk’ for anyone above [X] days. Then suggest who I should chase first and how strongly. Here’s the list: [paste].
when the reply comes backTell it to draft 3 WhatsApp follow-up messages of different strictness levels.
Decide my daily minimum cash bufferHelp me decide a daily minimum cash balance so I don’t get stuck paying suppliers, rent, or…+
Help me decide a daily minimum cash balance so I don’t get stuck paying suppliers, rent, or staff. My fixed monthly costs are: [list rent, salaries, EMI, etc with amount]. My average daily sales are: [amount]. Tell me: what minimum cash I should keep in bank + cash box, and a simple rule to top up when I drop below it.
when the reply comes backAsk it to convert the rule into one 2-line note you pin above your counter or desk.
Check if my business is actually profitableI feel busy but I’m not sure I’m making real profit. My monthly sales are around [₹X], and…+
I feel busy but I’m not sure I’m making real profit. My monthly sales are around [₹X], and my monthly expenses are: [list]. Assume normal GST and tax. Calculate my rough net profit in rupees and as a percentage. Then tell me in one paragraph if this is healthy for my type of business: [kirana/boutique/workshop/salon/etc].
when the reply comes backAsk it what profit % is normal in your industry and one step to move closer to that.
Plan for slow months cash shortageHelp me plan cash for my worst 3 slow months: [list months] with average sales [₹X,₹Y,₹Z].…+
Help me plan cash for my worst 3 slow months: [list months] with average sales [₹X,₹Y,₹Z]. My fixed costs per month are [₹]. Show me if I will be short of cash and by how much each month. Then list 3-5 practical ideas to survive these months without taking an expensive loan.
when the reply comes backTell it to rank those ideas from ‘easiest’ to ‘hardest’ for you personally.
Know how much stock is too muchI keep tying up cash in stock. I’ll paste my top items with current stock, purchase price,…+
I keep tying up cash in stock. I’ll paste my top items with current stock, purchase price, and average monthly sales. Tell me: which items are overstocked (more than [X] months of sales) and how much cash is locked in each. Then tell me what to do with the worst 5 items. Here’s the list: [paste table or bullets].
when the reply comes backAsk it to draft one discount or combo offer for each overstocked item.
Set a proper daily cash closing routineDesign a 5–10 minute end-of-day cash closing routine for my shop: [type of shop]. I want it…+
Design a 5–10 minute end-of-day cash closing routine for my shop: [type of shop]. I want it to show: cash counted, UPI/card receipts, udhaar given, expenses paid, and expected bank balance. Make it as a simple checklist I can follow every night, with columns I can track in a notebook or simple Excel.
when the reply comes backHave it create a tiny table format you can literally copy into a notebook page.
Check which products eat my cashSome products move slow but eat cash. I’ll paste my product list with purchase price,…+
Some products move slow but eat cash. I’ll paste my product list with purchase price, selling price, and average days to sell. Identify the items where money stays blocked longest (high days + low margin). Put them in a list with ‘avoid stocking deep’ written clearly. Here is my data: [paste].
when the reply comes backAsk it for 3 ways to reduce quantity or replace each bad item without losing customers.

Real questions

honest answers

Because sales and cash are not the same thing. Part of your sales is on udhaar, part is still with card/UPI gateways, a big chunk is sitting in slow-moving stock, and some has already gone out as rent, salaries, EMIs, GST, and daily expenses. If you don’t track these separately, it feels like “money is disappearing” when actually it’s just stuck in different places. Once you start watching three lines every week – money in, money out, and money stuck (stock + udhaar) – the mystery goes away and you see exactly why the bank looks thin.

Bare minimum, try to keep 1 month of fixed expenses (rent, salaries, EMIs, basic electricity) as buffer; safer is 2–3 months, but that takes time to build. If your sales are very seasonal or you give a lot of credit, you need more. Start small: decide an amount you never go below in bank + cash box, even if it means delaying non-essential purchases or taking slightly less home for a few months. The goal is not some perfect number on paper – it’s simply that one bad month doesn’t make you beg, borrow, or default.

One or two gulab jamuns don’t kill anyone, but the habit can. Every 5–10 rupees you shave off as “chalo yaar” or add as freebie is a straight cut from your profit, not from your cost. Do the math: if your net margin is 10%, a casual ₹10 discount means you must sell ₹100 extra just to stand in the same place. Over a month of small discounts, freebies, and schemes, you can easily lose one full week of profit. Use offers like a sharp knife: targeted, time-bound, and on products where margins can handle it – not as your default way of talking to customers.