Map the shape of your year
Plot twelve months of costs and revenue on the same chart. The gap months — high cost, low income — are where businesses get into trouble, and they are entirely predictable.
Smooth what you can
Fixed monthly direct debits on energy, annual insurance paid monthly at no premium, and staggered maintenance spending all flatten the curve without increasing total cost.
Build the buffer in the good months
Set aside a fixed percentage of takings during your peak into a separate account. It is far easier than borrowing in February at short notice.
Want this reviewed for your business?
Send us a recent bill and a consultant from our Cardiff office will tell you, honestly, whether you are paying more than you need to.