Despite what the banks are promoting, they are very reluctant to lend money, short term or long term or overdraft facilities. The local Bank Manager has no powers to grant any funds to their clients. They are their Customer Liaison Manager or similar title, lending decisions are done by head office. So how do you [...]

I have this week wrote many reports. Good reports take time and are short. The contain facts and can make clients uncomfortable. Since I deal in numbers my reports can contain lots of financial information. The cost to systematise a clients accounting system, write procedures and ensure they are followed depends on the client having [...]

In the good years that we have had, budgets were overlooked. Money was coming in and it was always possible to pay everyone and there was always money in the bank account. Times have changed and now I keep hearing people saying we should have done this budget last year and the year before and [...]