month-heads-up

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🇺🇸

Original

English

🇨🇳

Translation

Chinese

Run the month-end heads-up. Pull forward-looking cash data and give the owner a clear "here's what the next 30 days look like" picture with specific things to watch.

Parse arguments:

```
--horizon
```
(default:
```
30
```
) — forecast window in days (
```
30
```
or
```
60
```
)

运行月末预警程序。提取前瞻性现金流数据，为企业主清晰呈现“未来30天现金流状况”，并列出需要重点关注的具体事项。

解析参数：

```
--horizon
```
（默认值：
```
30
```
）——预测周期天数（可选
```
30
```
或
```
60
```
）

Step 1 — Current cash position

步骤1 — 当前现金头寸

Using the

cash-flow-snapshot

skill workflow:

Pull QuickBooks current cash and receivables balance.
Pull PayPal settled balance and pending payouts.
Combine for total available + incoming cash.

使用

cash-flow-snapshot

技能工作流：

提取QuickBooks中的当前现金和应收账款余额。
提取PayPal中的已结算余额和待支付款项。
合并计算总可用现金+待入账现金。

Step 2 — Upcoming obligations

步骤2 — 即将到期的应付款项

Pull recurring expenses from QuickBooks (payroll, subscriptions, rent/lease) due in the next 30 days.
Pull any outstanding invoices past due or due within 14 days.
Flag any payment that would push the balance below a comfortable buffer (default: <$2,000 or owner's QB average monthly expense × 0.5).

提取QuickBooks中未来30天到期的经常性支出（薪资、订阅费、房租/租赁费）。
提取任何逾期或14天内到期的未结发票。
标记任何会使余额低于安全缓冲额度的付款（默认：<2000美元，或企业主在QuickBooks中的平均月支出×0.5）。

Step 3 — Cash-flow forecast

步骤3 — 现金流预测

Project 30-day net cash: current balance + expected inflows − known obligations.
Identify the single tightest week (lowest projected balance).
Flag if any week projects negative.

预测30天净现金流：当前余额+预期流入−已知应付款项。
找出资金最紧张的一周（预测余额最低的时段）。
若任何一周预测余额为负，则进行标记。

Step 4 — Two things to watch

步骤4 — 两大关注事项

Surface no more than two specific, actionable watches:

Which invoice(s) to chase now
Which expense(s) to defer or negotiate

Format as:

Month-End Heads Up — {current date}
Horizon: next {X} days

Cash today: ${amount}
Projected end-of-period: ${amount}
Tightest week: {date range} — projected ${amount}

TWO THINGS TO WATCH
1. {item} — {why it matters} — suggested action: {action}
2. {item} — {why it matters} — suggested action: {action}

列出不超过两项具体、可执行的关注事项：

现在需要催收哪些发票
哪些支出可以延迟支付或协商

格式如下：

Month-End Heads Up — {current date}
Horizon: next {X} days

Cash today: ${amount}
Projected end-of-period: ${amount}
Tightest week: {date range} — projected ${amount}

TWO THINGS TO WATCH
1. {item} — {why it matters} — suggested action: {action}
2. {item} — {why it matters} — suggested action: {action}

Connector failures

连接器故障处理

If QuickBooks is unreachable, stop — the cash forecast requires QB as the source of truth. If PayPal is missing, run the forecast from QB-only data and note "PayPal not connected — PayPal receivables excluded from forecast." Same for Stripe/Square if missing.

若无法连接QuickBooks，则停止运行——现金流预测需以QB为数据源。若PayPal连接失败，则仅使用QB数据进行预测，并标注“PayPal未连接——预测中未包含PayPal应收账款”。Stripe/Square连接失败时处理方式相同。

Approval gates

审批机制

Never initiate payments or send emails automatically. Surface the data and actions for the owner to take.
Never project revenue that hasn't been confirmed in QB or PayPal. Use conservative estimates only.

切勿自动发起付款或发送邮件。 仅向企业主呈现数据和建议操作，由其执行。
切勿预测未在QB或PayPal中确认的收入。 仅使用保守估算值。

Output

输出结果

Present the formatted brief and offer to draft chase emails for any flagged overdue invoices.

呈现格式化的简报，并主动提出为标记的逾期发票起草催收邮件。