01/09/2026
Cash flow anxiety is something I understand from personal experience.
I’ve been in business since the mid-1990s and, at one point, employed around 30 people across four or five businesses. I remember the sleepless nights spent wondering whether there would be enough money to pay the wages, settle suppliers or prevent my tradespeople from being turned away because an account had been put on stop.
In this Monday’s Moment, I introduce my theme for September: understanding and overcoming cash flow anxiety.
I share the cash flow rollercoaster I experienced in construction, where payments could take far too long to arrive, and contrast it with my garden centre and hot tub businesses. In those businesses, customers willingly paid when they purchased—and sometimes paid in full weeks before delivery. It taught me that different industries attract very different expectations and attitudes towards payment.
Cash flow anxiety isn’t always caused by a lack of work. I’m currently supporting business owners who have completed the work and paid their wages and material costs, yet their customers are still finding reasons not to pay them.
There isn’t one quick fix. We need to examine our processes, pricing, mindset, choice of clients and the payment culture within our industry. Getting this right can remove the fear of declined cards, stopped accounts and unpaid wages—and help us enjoy the business we originally dreamed of creating.
Throughout September, I’ll be exploring this subject in greater detail, including an upcoming online cash flow workshop. Message me if you would like to be added to the invitation list.
Please share your own cash flow anxieties or solutions in the comments, and share this video with somebody who may need it.
For a free 30-minute conversation about improving your business cash flow, visit [www.timewithsimon.com](https://www.timewithsimon.com).