When most people hear “forecasting,” they think it’s complicated, time-consuming, or only for big companies.
But really, forecasting is just planning ahead, so you can stop scrambling and start making money decisions you can trust.

One of our clients had been too busy to look closely at her monthly expenses. Between back-to-back client work, soccer practice drop-offs, quick dinners squeezed between homework help, and weekend birthday parties, it always felt like something that could wait.

When she finally sat down to review her numbers, she realized she’d been paying for three different software tools she hadn’t touched in months. When she looked ahead at her projected expenses for the next quarter, she saw that those small, avoidable costs would add up to enough to cover two months of her own paycheck.

Canceling those freed up just enough cash to consistently pay herself, without needing to cut anything important.

That’s the power of simple forecasting.
It’s not about restriction. It’s about knowing what you can say yes to—with confidence.

Fixed vs. variable: what you need to know

Let’s keep it simple:

Fixed costs are the ones that stay steady. Think rent, payroll, insurance.
Variable costs are the ones that flex. Like ads, travel, or extra supplies.

When you can see these side by side, it’s easier to answer questions like:

Can I afford to hire right now?
Can I green-light that new project?
Should I hold off on a big expense this quarter?

Forecasting should reflect real life, not just a spreadsheet

At Sum of All Numbers, we help clients ditch rigid templates and build real-world forecasts that fit their life and their business.
Because if the plan isn’t simple and realistic, it won’t stick and it won’t help you.