Financial Advice For Small Businesses

By Alison McGinley


1. Not planning a cashflow budget

Cash is King. This can be specially accurate for companies functioning in the current economic system. It is crucial, as a result, to properly keep track of your cashflow. The best way to make this happen is by planning a monthly cash flow statement showing payments and receipts.

2. Debtor Collection

Ensuring debtors pay on time is crucial to the success of a business. The outstanding debtors records really should be reviewed frequently and reminders sent to any account balances past due.

3. Month to month purchases

For companies that sell goods, efficient purchasing of the goods is vital. Clearly, it's important that you prevent over and under stocking goods as both could be costly to the company. It's also crucial to make sure you take advantage of any rebates on offers for bulk purchasing of stock and that you avoid the possibility of surcharges on overdue orders.

4. Not registering for VAT in time

Where a start up business plans to incur considerable start up expenditures (rent, computers, machinery for example) it really is critical for the company to register for VAT at the earliest opportunity. Registering early enables you to reclaim any VAT accrued on purchases which can supply significant cash flow savings.

5. Not keeping purchase bills

Businesses which are VAT registered can reclaim VAT incurred on expenses incurred within the company. Even so, VAT can only be reclaimed where the company has kept a purchase invoice from the supplier. Failure to keep all purchase bills can lead to companys overpaying VAT.

6. Neglecting taxes

It's essential to make sure the company is in compliance with all taxes to steer clear of Revenue interest and penalties. A business has specific tax commitments from the first day of trading not only when it becomes profitable. A sole trader should also budget for payment of income tax.

7. Not including own expenses

Yet another frequent error made in the preparation of organization plans is forgetting to incorporate provision for your own expenses. For a company to survive it needs to create enough profits for the owner to live off.




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