Read time: 6 minutes

This is the final piece in a three-part series. In Part 1, I shared my personal journey into self-employment, and in Part 2, I explored the lessons learned. Now, let’s apply those insights to third-sector governance and organisational resilience.

From Personal Leap to Organisational Strategy

My journey from redundancy to building a successful consultancy—a story of fear, faith, and finance—might seem purely entrepreneurial, but the lessons are profoundly relevant to the challenges faced by charity trustees and third-sector leaders today.

My experience navigating personal precarity mirrors the funding precarity many organisations operate within. By applying the lessons I learnt about support, cash flow, and flexibility, charities can build truly resilient, mission-driven governance structures.

Expanded Learning Points for Third-Sector Organisations

1. Support Systems Enable Bold Decisions

Just as my mother created a critical personal safety net, third-sector organisations must cultivate their own organisational support systems before periods of significant change.

• Board and Governance Support: A board that understands strategic risk and stands behind bold moves is the organisational equivalent of having a partner saying, “You can do this!”
• Funder Relationships: Deep, honest relationships with key funders create space for innovation and can act as a financial breathing space during transitions.
• Peer Organisation Networks: Learning from peer organisations that have walked similar paths provides both emotional solidarity and practical knowledge during times of change.

Question for your board: Have you built relationships strong enough to support you through a major organisational pivot?

2. Practical Wisdom Matters: Focusing on Cash Flow

My uncle’s wisdom to focus on cash coming in—not just invoices going out—has immediate and vital implications for third-sector organisations.

• Income Reality vs. Funding Promises: Charities celebrate grant awards, but what truly matters is when the money actually arrives. You must plan for the gap between promised funding and bank deposits.
• Reserves Planning: Third-sector organisations need realistic reserves policies that acknowledge the sector’s financial vulnerabilities. Organisations with well-thought-out reserves weathered the COVID storm far better.
• Financial Literacy Across the Organisation: For better decisions to emerge, financial understanding can’t be confined to the Treasurer. Every team member and trustee must understand the organisation’s true financial reality.

Question for your board: Do you know exactly how long your organisation could operate if its next expected payment was delayed by three or six months?

3. Flexibility Aligns with Priorities

My ability to adapt my work around caring for my mother offers a powerful model for charities considering their internal structures and values.

• Mission-Aligned Working Practices: Your internal practices must reflect the values you promote externally. Flexibility isn’t just a kindness; it’s strategically advantageous for retaining essential talent.
• Resilience Through Adaptation: When you build flexible, adaptable structures, your organisation can pivot quickly. Adaptable structures and mindsets allow organisations to survive external shocks better than rigid operational models.

Question for your board: Does your organisational culture truly align with the values you promote to the world?

Your Action: The Multi-Layered Safety Net Audit

Gather your board and senior team and work through these steps to map your organisation’s true security profile:

1. Map Your Internal Safety Nets
What resources, skills, relationships, and unrestricted reserves exist within your organisation that could support bold moves or weather a crisis?

2. Identify External Safety Nets
Which funders, partners, peer organisations, or key community supporters could provide crucial backing during transition periods?

3. Assess Your Safety Net Gaps
Be ruthlessly honest. Where is the organisation most vulnerable? What critical supports—financial, knowledge-based, or relational—are missing right now?

4. Create a Safety Net Development Plan
Outline concrete, practical steps to strengthen your weakest areas before you need them. Focus on building reserves, diversifying income, or formalising partnerships.

5. Design a “Bold Move Proposal”
Now, using your newly mapped and strengthened safety nets, what strategic opportunity could your board now consider pursuing that previously felt too risky?

This exercise moves you from feeling vulnerable to feeling ready. It’s the difference between reacting to a crisis and having the internal confidence to steer your mission effectively.

Missed Part 1? Read it here – https://theartofstupidity.com/2025/10/31/article-1of3-tough-decisions/

Missed Part 2? Read it here –
https://theartofstupidity.com/2025/11/04/article-2-three-key-lessons/