One honest number a person can act on: runway through the date that matters, who owes you, and which debt to kill first.

How do I ask a client for money without burning the bridge?

A shame-free payment nudge in your tone of choice, ready for WhatsApp or email.

Hi Sam — hope the week's going well! Quick one: the $850 payment for July is still pending on my side. Could you send it across when you get a minute today? Thanks so much.

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Email me the full 3-step chase playbook

Your numbers, written up with what to do next. No spam — a handful of notes, then quiet.

The question this tool can't answer

Who actually paid after the nudge? Month strips remember for you.

Myya Money watches this every day — runway, who owes you, what your debt costs — and tells you before it bites.

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