Read Time: 2 Minutes Hi Reader, Last year, three illegal transactions went off my account — R950 each. They only stopped when the money ran out. If there’d been more in there, it would’ve kept going. I tell people I moved the money to savings. But the truth? That was all the money I had left. I’d been quietly topping up the business from personal savings just to get by. I know what it’s like to run out of funds. Not having enough to pay the staff. Having to ask friends and family to help you...
16 days ago • 1 min read
Read Time: 3 Minutes I’m an accountant and I love numbers. But some days, some days I hate them. They drain me mentally. Numbers also show me the truth. And the truth is scary. Most business owners I work with are doing this mental math daily, even if they’re not calling it that. “I have this much in my bank account, and if that payment comes in, I’ll be able to pay this…” “I still need to follow up on that invoice…” “If I don’t get paid by Friday, I’m in trouble…” It’s mental gymnastics. And...
about 1 month ago • 3 min read
Read Time: 3 Minutes Sometimes when you send emails, there's a broken link or 2 and I can just apologise and blame it on the weather... 😉 The link below works (I hope) otherwise there will be a third email. 🤦🏽♀️ From Chaotic to Consistent Cash Flow It’s designed for business owners who are: ✅ Have strong revenue ✅ Still struggling to stay on top of the money month to month ✅ Ready to feel more in control In the webinar, I’ll walk you through: Steps to take to get out of a bad cash flow...
about 1 month ago • 1 min read
Read Time: 3 Minutes Imagine you have a business making R50k revenue per month. After expenses, you still have 40% left. That’s a good profit margin, right? But every month, you still struggle to pay yourself a salary and always resort to getting a micro-loan or taking out extra credit card debt. If your day-to-day operations aren’t generating enough cash to sustain the business, outside money won’t fix the root issue. Constant funding won’t save a broken business. Funding like credit card...
about 1 month ago • 2 min read
Read Time: 3 Minutes One of my clients , a growing business is doing around R40k - R50k/month in revenue and is 40% profitable before salaries. But she had a rough month. Payroll tax (PAYE) came in R2,000 higher than expected. I mean with 40% profitability, R2,000 is not a lot. So, No big deal, right? But this extra R2,000 gave her a heart attack. She did not have the money. She ended up needing a short-term loan in order to avoid the 10% penalty and interest if she didn’t pay on time. In her...
about 1 month ago • 1 min read
Read Time: 3 Minutes Before you build any kind of cash flow system, you need to stabilise the business. There’s no point planning three months ahead if you’re not sure you can cover salaries next week or make your VAT payment by month-end. This first step is about survival. It’s about getting your short-term cash flow under control, so you’re not operating in panic mode. Think of it like being on an airplane. In an emergency, you’re told to put your oxygen mask on first, before helping...
about 1 month ago • 1 min read
A business owner wanted to use R40,000 from her overdraft to “just finish off the loan” she’d taken out to buy some equipment. In her mind, the interest on the loan seemed low, so it felt like a smart move. Move the debt from the loan to the overdraft and be done with it. Sounds reasonable, right?One less repayment. Less stress. But then we looked at the numbers. 📊 Revenue: R80,000/month💸 Operating costs: R55,000/month🧮 That leaves R25,000 in extra cash flow Still sounds okay… until you add...
2 months ago • 1 min read
Read Time: 2.38 Minutes Fraud is everywhere. But when I think of business fraud, I think of J. J was getting married, and she ordered and paid for a cake. A week before her wedding, she calls the baker to confirm that everything is ready to go ahead with the wedding. The caterer was confused. She had not received payment and had assumed J went with someone else. J had paid the baker. But the email got intercepted, the invoice altered with other bank details, which J then paid into. Who’s at...
4 months ago • 2 min read
Read Time: 2.5 Minutes During this financial year, I wasted R2 819 on digital tools that I either never used or didn’t need. At the time, I thought these tools would help my business, but as the months passed, I realised I had wasted money. The problem wasn’t the products themselves—it was my decision-making process. If you have ever been tempted by a new app or software subscription, this article is for you. I will share where I went wrong and how you can avoid making the same mistakes....
8 months ago • 2 min read