Harbour & Associates

When we supply a new company registration or a shelf company for sale, the offer frequently involves 6 months’ free bookkeeping, followed by a health check. Why the health check? Because many new companies start badly and need urgent corrective action in order to survive… Here is a classic example of why your company needs a budget: During the Christmas break, we did the books for the first six months of a specialised food supplier company. I noticed that every so often they would lend a few thousand rands to the company and…

I recently had a client who wanted to buy a professional business plan from me for submission to the NEF for a business loan. Now that is not an unusual request – I’m usually busy with about six business plans at any one time. What made this one different was that she could give me no data to work from. Just imagine. You want to acquire about R2m from an NEF loan to start a shuttle service and you have no idea what turnover you expect, how many…

Whether you need a business plan or whether you want to create a three year budget, our free financial projection workbook will help you plan the future and present your plan in a professional format. Although most startups only draw up a business plan when they are trying to raise finance, my view is that no business should start without one. Remember, if you can’t even plan your success on paper, then you are most unlikely to succeed in reality. All you need to do is download the workbook and make a copy under another name so that you always have…

How can you plan to retire one day if you don’t know how much income you’ll need? You need to write a retirement budget. It’s actually pretty straightforward, but, in my view absolutely essential, unless you’re another Donald Trump with a few billion US$ to play with. Here’s how you get started. Ignoring inflation, picture yourself ready to retire. You have no debts and the kids are off your hands and supporting themselves. So all you need is enough after tax income to support your lifestyle and replace things like computers, motor cars and washing machines as and when they…

Budget

Why your new business needs a budget

What a Business Plan Isn’t

Your free financial business plan

Write a Retirement Budget

Do you want to leave your cart?