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Understand my money7 min read

Where Did the Money Go?

Money can disappear without one dramatic expense. The answer is usually in the small and large payments made along the way.

FOLLOW THE MOVEMENT
Money In₦850k
7 paymentsalong the way
Business Cash₦390k

“We made sales this month. Why is there barely any money left?”

Sometimes there is one obvious answer.

More often, the money left in pieces: stock, transport, subscriptions, supplier payments, refunds, small transfers, owner withdrawals.

To understand where the money went, follow the movement instead of staring at the ending balance.

FOLLOW IT

₦850k came in. Watch what happened next.

Money In₦850,000
Stock−₦210k
Delivery−₦70k
Rent−₦90k
Other payments−₦90k
Business Cash left from this movement₦390,000

This is a simple movement example, not a Profit calculation. Money In and Money Out tell you where cash moved.

THE SMALL ONES

Nothing looks serious by itself.

₦4,500 here. ₦8,000 there. ₦12,000 for something “small.”

Small payments become hard to notice because none of them feels important enough to remember.

That is exactly why they should be recorded.

₦4.5k₦8k₦12k₦6.2k₦15k₦45.7k
ASK FOUR QUESTIONS

Turn “where did it go?” into something answerable.

01

What came in?

Record the cash that actually entered the business.

02

What went out?

Record every payment that actually left.

03

What was it for?

Give the payment a useful category so patterns become visible.

04

What is left?

Then compare the movement with your current Business Cash and commitments.

THE HABIT

Do not investigate your money once a quarter.

The longer you wait, the more every payment becomes a memory test.

Record Money In and Money Out close to when they happen. Review the categories weekly. Question anything you do not recognise.

ONE RULE

If you cannot explain a payment later, record it better today.

NEXT STEP

Stop reconstructing the month from memory.

Use Quinbis App to record Money In and Money Out as they happen, review the movement and keep Business Cash easier to explain.