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Why thirteen weeks
A quarter is long enough to reveal a shortfall while you still have options, and short enough that each week can be estimated with real inputs rather than assumptions.
Build from commitments, not averages
Start with your actual receivables ageing and payables schedule, then layer in payroll dates, loan payments, tax deadlines and recurring subscriptions. Averages hide the timing risk that causes most cash crises.
Update it weekly
A forecast maintained monthly is a report. A forecast maintained weekly, with last week's actuals compared to what you predicted, becomes a management tool — and your estimates get measurably better within a quarter.