Smooth cash flow in a seasonal business: the fat-month discipline, the lean-month cost base, and the counter-seasonal revenue experiments.
Smooth my seasonal cash. The shape: {{seasonality}} (the fat and lean months with rough revenue each, fixed costs monthly, what I do in the off-season now, past lean-month scrambles). Build: the fat-month discipline (the percentage swept to the lean-months account ON receipt — calculated from my actual gap, automated so willpower isn't involved; the separate-account psychology), the lean-month cost base (which costs flex with season — casual labour, subscriptions paused, supplier terms negotiated around my cycle — and the fixed core stated), the pricing check (does fat-season pricing carry its share of the annual fixed costs? the annual-view margin math), the counter-seasonal experiments ranked (the adjacent offer for the off-season, the pre-sale/gift-card play that pulls cash forward, the maintenance/loyalty revenue — each with a smallest-test), the lean-month work plan (the off-season as build-season: the projects that make next fat season bigger), and the credit backstop arranged in the FAT months — banks lend umbrellas when it's sunny.
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