If you have slow months with no events, how do you cover ongoing expenses?
Save several months of expenses during busy season, cut nonessentials, and add off-season income to keep bills covered.
Aim to save at least three months of business expenses during busy season. For example, if monthly costs average $2,000, target a $6,000 cushion in a separate account.
Trim and defer
Pause nonessential spending, downgrade services, and delay upgrades until revenue returns. Keep fixed costs lean so the cushion lasts.
Add off-season income
Lean on online sales, wholesale, commissions, workshops, or part-time gigs to cover basics. Even modest income helps avoid dipping into savings too fast.
Treat slow months as expected, not surprising. Save consistently, keep expenses light, and use extra channels to stay cash-flow steady.
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