Finance, Tax & Accounting: page 9
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Negotiate Supplier Terms with a Cash Forecast
Use a dated cash forecast to propose supplier payment terms you can keep. Compare a split-payment request with the original bill and record the agreement.
3 min readPlan Annual Business Bills with a Reserve Schedule
Build a monthly reserve for annual insurance, software and other irregular bills. See a 12-month example and calculate catch-up savings when a renewal rises.
2 min readPlan Overseas Supplier Payments as Exchange Rates Move
Calculate an overseas supplier bill under three exchange-rate scenarios. Include fees, deposits and payment dates without relying on a currency forecast.
3 min readPrepare a Supplier Payment Run You Can Afford
Check supplier invoices, credits, due dates and available cash before approving payments. Use a payment-run worksheet with clear holds and follow-up actions.
3 min readProfit Is Up but Cash Is Down: Build a Cash Bridge
Reconcile a profitable month to a falling bank balance. Follow an Australian small business example covering unpaid invoices, stock, assets and repayments.
3 min readPut Your Sales Pipeline into a Cash Forecast
Separate enquiries, accepted quotes and invoices in your cash forecast. Use a pipeline worksheet to place receipts after delivery and avoid double-counting.
3 min readSeasonal Stock Orders: Check the Cash Gap First
Map deposits, final supplier payments, freight and seasonal sales before ordering stock. Test a delivery delay and find the lowest projected cash balance.
3 min readSet a Business Cash Buffer from Your Actual Risks
Work out a cash reserve from late payments, quiet periods and repair costs. Use three scenarios to separate committed money from the buffer you can use.
3 min readWhat If Your Biggest Customer Pays Late?
Test the cash impact of a large customer paying two weeks late. Compare weekly balances, measure concentration and set actions before the shortfall arrives.
3 min readTrack Overdraft Headroom and Return to Credit
Monitor an existing business overdraft with a weekly headroom worksheet. Include pending payments, interest and the receipts expected to return it to credit.
3 min readContacting a BAS agent: enquiry checklist and email template
Get a useful BAS agent quote with a clear brief. Use this enquiry checklist and email template to explain your records, software, payroll and support needs.
4 min readBAS agent fees: compare quotes and first-year costs
Compare BAS agent fees for your small business. Separate bookkeeping, BAS lodgement, cleanup and software costs, with a worked first-year quote comparison.
4 min readCompany Tax Rate: 25% or 30%? The Base Rate Entity Test
Your company pays 25% if aggregated turnover is under $50M and 80% or less of income is passive — otherwise 30%. Both tests explained, with examples.
9 min readSwitching BAS agents: a practical handover checklist
Change BAS agents with a clear cutover date, records checklist and access plan. Agree who handles each period, pending questions, subscriptions and lodgement.
4 min readHow to Read a Balance Sheet (Small Business Edition)
How to read a balance sheet for a small business: assets, liabilities and equity in plain English, working capital, the quick ratio and what to check monthly.
9 min readBreak-Even Analysis Explained (With a Simple Formula)
Break-even analysis in plain English: split fixed and variable costs, work out your contribution margin, and see how much you must sell to cover costs.
8 min readSuper for Sole Traders: Why, How Much and the Deduction
Sole traders don't have to pay super, but you can claim a tax deduction for it. Caps, carry-forward, the notice of intent and 30 June timing for 2026-27.
10 min readPricing Strategy for Small Business: Cost-Plus vs Value Pricing
Cost-plus vs value pricing for Australian small businesses: work out your true hourly cost, set margins that stick, and know when to raise your prices.
10 min read