See cash strain coming, every Monday, in ten minutes

The steps in the video

The figures shown come from a fictitious example.

1. Cash under controlOne workbook, ten minutes on Monday: the balance of your accounts, overdue customer invoices, reminders. Start with the “How to use” tab.
2. Set up the Monday ruleEnter the first Monday tracked and, if you have one, your safety threshold. The alert fires after three falls in a row.
3. One entry per MondayEvery Monday morning, add up the balances of all your bank accounts and enter the total on that day’s row.
4. The workbook counts the fallsIn this fictitious example, the change is worked out automatically and the count goes up with each fall.
5. Three falls in a row: alertOn 10 August, a third fall in a row: the alert shows. That day, you decide and you write the decision down.
6. Set up remindersLate payment interest: 12.40% a year for the second half of 2026. Fixed recovery fee: €40 per invoice paid late, between businesses under French law.
7. The reminder scheduleReminder at D-3, chaser at D+1, call at D+7, written reminder at D+14, formal notice at D+30 with your lawyer.
8. One row per invoiceNumber, customer, amount, due date: the workbook works out the status and the days overdue.
9. The next reminder and its dateRecord the last reminder sent: the workbook shows the next one, its date, and “To do” when it falls due.
10. Late payment charges, estimatedAmount including VAT times rate times days overdue, divided by 365, plus the €40 fee. An estimate, to check against your terms.
11. The five largest overdue invoicesEvery Monday, the workbook lists them, largest first. Copy them into the overdue tab.
12. The customer who keeps coming backOn a third Monday on the list, the “Recurring: call” alert shows. You make the call yourself, this week.
13. Four ready-made messagesCopy the template, replace what is in square brackets, send. Then record the step done.
14. The late payment reminderAt two weeks, template 4 refers to the late payment charges and the fee. The formal notice is prepared with your lawyer.
15. Start next MondayTen minutes on Monday: the balance, the five largest overdue invoices, a decision. The module is free on thgconseil.fr.