Guides & notes
The notebook
This is where we write down the things we end up explaining over and over — because if a lot of clients are asking, chances are you are too. Dated entries, plain words, nothing you need a dictionary for.
Recent entries
Everything in
the notebook
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p. 41
Cash flowRead
The month you always run short — and why it isn't random
Most small firms have one predictable dip in the calendar. Find yours in ten minutes of bank statements, then fund it before it bites.
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p. 37
TaxRead
Provisional tax without the August panic
A calm walk through the two payment dates, how to estimate honestly, and what actually happens if your guess is off.
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p. 33
RetirementRead
What a retirement annuity really costs you — and saves you
The tax deduction, the fees to question, and the honest trade-off between locking money away and keeping it flexible.
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p. 29
BusinessRead
Hire now or wait? A five-line test
Before you take on another salary, run these five numbers. If three of them make you flinch, wait a quarter.
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p. 24
HouseholdsRead
The small leaks that sink a monthly budget
It's rarely the big spend that hurts. Here's how to find the quiet subscriptions and habit-costs draining your month.
Free to keep
Reference sheets
for your desk
The complete small-business money starter pack
Everything we hand a new owner in their first month — registrations, accounts, buffers and the order to do them in. The one download that saves the most trouble.
One-page cash flow tracker
A monthly grid for small firms. Print it, fill it by hand.
Provisional tax deadline calendar
Both IRP6 dates and a checklist for each.
Household budget worksheet
Fixed, flexible and the small leaks that add up.
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