Business & Finance
Cash flow, pricing, margins — the engine room.
12 guides
How Much Runway Does a Services Business Actually Need?
Months of burn is the wrong runway model for an agency. Size the buffer against client concentration and replacement time instead, with the arithmetic.
Billing Abroad, Spending at Home: FX Exposure for Indian Service Businesses
How currency movement quietly reprices a fixed-fee retainer, where to set the rate in your contract, and when to hedge instead of pricing the risk in.
How to Raise Your Prices Without Losing the Accounts You Actually Want to Keep
The order matters more than the script. Which accounts to raise first, which last, and the meeting that decides whether the increase holds.
Which Client Is Actually Profitable When Everyone Works on Everything?
How to rank clients by real margin when your team is shared, which allocation basis to use, and what to do with the answer once you have it.
GST and TDS Both Hit Your Cash Before the Client Does
Why a services business on profitable retainers still runs out of money, and the working-capital plan that closes the gap.
How a Profitable Retainer Quietly Becomes an Unprofitable One
The two costs that kill a retainer margin without appearing on any scope document, and the re-scope conversation that saves the account.
Good Debt vs Bad Debt: How to Tell the Difference
Good vs bad debt is too crude a test. What matters is the rate against what the money does, and whether the EMI survives a bad month.
Cash Flow vs Profit: The Difference That Sinks Most Small Businesses
A business can be profitable and still go broke. The worked example, the working-capital gap, and the fixes that put cash back in the bank.
How to Build an Emergency Fund: The Complete Guide
How much emergency fund you actually need, how to calculate your own number, where to keep it safely in India, and how to build it when nothing feels spare.
How to Price Your Services as a Freelancer or Consultant
Hourly pricing caps your income and punishes speed. How to compute a floor rate from real costs, pick between day, project and retainer, and raise prices.
How to Read a Profit and Loss Statement (Without an Accounting Degree)
A P&L answers one question: did the business make money? Read one line by line with a full worked example, the key margins, and the ratios that matter.
Money by Decade: Your 20s, 25s and 30s, and Why to Stay Lean When the Money Comes
The money lessons no one taught us, by stage: what to focus on in your early 20s, at 25 and at 30, and why to stay lean when the money finally comes.