Surviving the VAT quarter without a scramble
VAT due dates are predictable; the scramble does not have to be. Build the liability into your cash weeks early.
Field notes
Field notes on money in motion
Practical writing on budgeting habits, cash timing, and financial controls for owner-managed firms.
Making a thirteen-week cash habit stick
A rolling forecast only helps if someone updates it every week — here is a lightweight rhythm busy SMEs can keep.
Budget owners, not spectators
An annual budget fails quietly when cost lines have no named person. Assign ownership before you argue about totals.
Payment approvals that fit a twelve-person firm
Controls should match headcount. Here is a proportionate approach to who can authorise what without slowing every purchase.