A positive month, a cash-short Tuesday
Training 2065 minutespayment calendar
You have $100. A $150 bill is due tomorrow, with $200 arriving the next day. The monthly total looks good, but the bill comes first.
Training goal: Check each date separately
▶ Play this trainingSituation
1. Round 1. Tomorrow’s shortfall?
- No gap because $200 is coming
- $150
- $50
2. Round 2. The recipient agrees to delay by one day at no extra charge.
- Borrow anyway because it was the plan
- Confirm the new deadline
- Pay later without confirmation
3. Round 3. $200 arrives and the $150 bill is paid. Balance?
- $150
- $50
- $300
4. Round 4. The next receipt is delayed with no confirmed date.
- Put the money on a convenient date
- Treat a positive month as protection for every day
- Plan essentials from available cash
What you will learn
- A monthly surplus does not remove timing gaps
- Deferral needs confirmation
- Opening cash belongs in the calculation
Your real-life step
Put upcoming receipts and payments in date order.
Questions and answers
Is promised pay already available?
No. Separate expectation from actual receipt.
Is deferral always without extra cost?
No. This round explicitly agrees it; check real terms separately.
Is a monthly total enough?
Cash availability also needs dates.
More trainings in this module
- A percentage round trip
- The last affordable bid
- A fee on which amount?
- Can the reserve take another hit?
- Prices in different units
- A stall breaks even
Numbers are illustrative. A game, not financial advice.