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Money Management, tips and advice - Concepts and insights to help your business

Follow what Cliftons have to say on strategies for effective management of your money and cash flow.

Ways To Improve Your Cash Flow

6 Instant Ways To Improve Your Cash Flow

Reading time: 4 - 7 minutes

Spoiler alert - proactive client payment policies are the secret sauce to improving your cash flow

Cash is King

Cash is King

Reading time: 3 - 6 minutes

If you’re in business then you have likely heard the saying, “Profit is important but cash is King”.

And, generally speaking, we agree that cash is often the most determining factor in the success or failure of a business.

Sales & Profit

Sales are Down, but Profits go Up

Reading time: 1 - 2 minutes

In uncertain times or slowing sales, you need to move quickly to protect your bottom line.

Ignoring or delaying a decision to cut the fat from your business will significantly impact your business performance, cash flow and future survival.


Warning Signs

Reading time: 1 - 2 minutes

Bankruptcy and corporate collapses were the highest ever recorded in Australia in 2012, with only 5% ever paying a dividend. On top of this many more businesses and individuals entered formal debt arrangements.

So what are the typical warning signs?

save $15 a week

Your Challenge - save $15 a week

Reading time: 1 - 2 minutes

Sounds pretty easy doesn't it? Just save $15 a week.

If thats true, why aren't more people doing it, and getting the advantage in retirement?

Interest Free?

Interested in Interest Free?

Reading time: 1 - 2 minutes

It seems to be all the rage, and has been for a while, to offer interest free finance, particularly in retail. But there are, as always, pitfalls to be avoided.

Preparing a 3 way budget

Preparing A Three-Way - Budget that is

Reading time: 3 - 5 minutes

What can a business can do to make sure it is profitable and successful?...Without doubt, using an annual process called the Three Way Budget.

Include some generosity

Budgeting?? Include Some Generosity

Reading time: 1 - 2 minutes

I don' think Im the only one who as a kid thought it would be great to earn a million dollars a year, to be a millionaire, and dreamed of what Id do with it.

Looking back now though the problem was that every dream was self-centered and me focused.  Cars, big boys toys, house, holidays and the like.  I never really gave any thought to what impact I could have on the lives of others.

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