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Debtor Management

Debtor Management

Your clients and customers are a crucial part of your business. Without them, you can’t really call it a business. They do however need to adhere to your agreement on payment terms and unfortunately, many clients and customers need to be reminded of their...
Budgeting

Budgeting

Failing to plan, is planning to fail. A well-planned budget process will facilitate a thorough rethink of your income cycles and cost processes. You might be surprised at what inefficiencies hide in your costs! As such, I am a fan of zero-based budgeting.  If you use...
Net Interest Cost Management

Net Interest Cost Management

Cash flow is typically cyclical.  During some portions of the month, your net cash position might be positive, but you do not earn any interest on this.  You might also have other long-term facilities like vehicle finance or bonds on which you pay interest at a much...
Tax Planning

Tax Planning

Tax is an expense and expenses should be managed and kept as low as possible.  That is a basic business principle. To manage tax, you need to be able to estimate it (“to measure is to know”, if I may quote a previous employer).  This entails being able to know your...