Fifteen minutes a month to see what came in, what went out, and who still owes you.

A free 6-page printable worksheet for freelancers. Record the cash you actually received and paid last month, list every unpaid invoice with a next action, see how much of your income depends on one client, and plan the month ahead. Blank and undated — print a fresh copy each month. US Letter (scales to A4). Not financial, tax or accounting advice.