Insights

Make a Plan

Make a Plan

How do you make a plan for the rest of this year? If the last six months have taught us anything it’s that we can’t predict the next twist in the story. So is planning a pointless waste of time? This is the (polite) argument that I’ve been engaged in this week while I...

When it Rains…

When it Rains…

“When it rains, look for rainbows. When it is dark, look for the stars. When it’s raining and dark… you should take care to look where you’re going and consider whether you’re still heading in the right direction” Courtesy of Oscar Wilde, but paraphrased during a...

Why bother with a cashflow forecast?

Why bother with a cashflow forecast?

With CBILS, Bounce Back Loans, VAT deferrals, grants etc there may be more cash in the bank now than ever before and your cashflow is sorted for the next couple months. But what happens after that? Lockdown has probably helped the bank balance with customers paying...

What makes good management accounts?

What makes good management accounts?

Usually management accounts look very similar to the set of accounts that you get at the end of the tax year, but on a more regular basis – usually monthly – and in more detail. Most cloud accounting software produces all these reports, so surely that’s enough? In...

Covid-19 support navigator

Covid-19 support navigator

At the time of writing the lockdown has been in force for 6 weeks, and in that time there have been a myriad of support packages (and revisions) announced by the government in an attempt to keep businesses in business. It has been a constant struggle to try to stay up...

Cashflow in a time of Coronavirus

Cashflow in a time of Coronavirus

As a follow up on my CBILS advice I want to share the cashflow checklist that I produced for my clients (and for myself!) A cashflow forecast is the best way to see how much help you need at the moment (and you will be asked for one if you intend to apply for help...

Financing a growing business

Financing a growing business

Yesterday I was lucky enough to be at the NatWestBoost event in Exeter with Wilfred Emmanuel-Jones of The Black Farmer. It was a fantastic morning full of inspiration and really good advice – but what struck me was Wilfred’s take on financing his business. With an...

Train Life

Train Life

I set myself a couple of challenges with my New Years Resolutions this year: firstly, to reduce my carbon footprint and secondly to use my time more effectively. So the first change to make on the way to achieving these goals was to switch the car for the train where...

Does my Business Plan need a Mission Statement?

Does my Business Plan need a Mission Statement?

Mission statements are just corporate waffle, about “empowering”, “finding new paradigms” and “evangelising findings”. Right? Recently I have been working in developing Business Plans with two (very different) clients. As part of my preparation for this I started...

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