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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...