Money Rules for Small Business Owners: The Chartered Accountant's System for Paying Payroll, Paying Yourself, and Sleeping at Night (The Money Rules Series)

Payroll is Friday. Do you know if it clears?

A P&L looks great. The bank account looks fine. But every payroll Friday you feel the same cold check: will this clear without borrowing, delaying, or dipping into savings?

Money Rules for Small Business Owners is the operating system for owners with 2-15 employees — written by a Chartered Accountant who audits real businesses and runs one himself:

• The Total Monthly Obligation — one number that funds payroll, ops, and you
• The Payroll Reserve — two payrolls in the vault before you spend anything else
• The Payday Rule — payroll, then staff, then owner, in that order
• Contribution Margin pricing — a CA-signed price for services and products
• The Owner's Sleep Test — five monthly questions that map cash to how you feel

SAWAN KUMAR, CA is a Chartered Accountant turned educator with 115,000+ students worldwide. He has audited corporate books and runs a small business with real payroll — this system is what survived both.

Book 3 of the Money Rules Series.