All articlesCash Flow
Why your bank balance lies — and what to look at instead
Your bank app shows a number, but it never tells the whole story. Learn the difference between cash and accrual reality.
Apr 22, 2026 5 min readBy the Averon team
Your bank balance is a snapshot of one moment. It doesn't know about the $8,000 cheque you wrote yesterday, the GST you owe next month, or the supplier invoice that lands Friday.
Real cash position = bank balance − cheques outstanding − tax owed − payroll due + reliable receivables in the next 14 days. That's the number that should drive decisions.
Build a simple 14-day cash forecast
Spreadsheet, one row per day. Opening balance, expected in, expected out, closing balance. Update it every Monday in 10 minutes. You'll never be surprised by a tight week again.