I guess part of its because I'm solo but I just don't get this "stretching" money during the winter the months.
lets say you have a client who spends $5,000 a year. it's the same $5,000 whether it comes in 6, 9, or 12 monthly payments or all at once in one payment.
I always feel it has to do with how you manage your money.
my billable months for the most is may (sometimes april if I'm lucky) through november. I spend the same amount of money whether I receive my money all up front and its sitting in the bank or during my billable months.
when people say they have to stretch there money I think of people living pay check to pay check. as I said its the same amount no matter how it comes.