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Reply-To: <frankie@coaching-360.co.uk>
From: "Frankie Tabor" <frankie=coaching-360.co.uk@hubspotstarter.hs-send.com>
To: <bob@sarahharvey.com>
Subject: 10 Ways to Improve Your Business Finances
Date: Mon, 30 Sep 2024 15:18:42 +0100
Message-ID: <1727705869231.bacafeee-db38-4a54-9f7e-0cbe5d47456f@bf01.hubspotstarter.net>
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Get ready for a strong 2025 with these financial tips.


Hi Bob,

As we move towards the end of the year, it’s a great time to review your 
financial strategy and make sure your business is set up for a strong 2025. 
Below are 10 actionable financial tips designed to help UK business owners 
manage their cash flow, reduce costs, and increase profitability:





10 Smart Financial Moves for Your Business:




1 - Evaluate your cash flow

You know the old saying: cash is king. Take a look at your cash flow and ask 
yourself, "Where exactly is all that money going?". Use digital tools to 
track your income and expenses in real-time—it’s like having X-ray vision 
for your bank account.



2- Review your tax efficiency

Taxes: the only thing more painful than Monday mornings. But reviewing your 
tax strategy could uncover ways to save, like claiming allowances or 
rethinking your business structure. Don’t forget to check if you’re eligible 
for R&D tax credits.



3- Plan for capital investments
Is it time to buy that fancy new equipment or finally upgrade from Windows 
95? Planning your capital investments early can help you budget and 
potentially take advantage of tax reliefs. Just make sure your purchases 
align with business growth... not just your tech envy.



4- Reassess your pricing strategy
When was the last time you reviewed your pricing? If your costs have gone up 
but your prices haven’t budged, you might be working harder for less. If you 
feel nervous about raising prices, remember: you’re running a business, your 
customers will understand (and if they don’t, well, they can take their 
business elsewhere).



5- Build an emergency fund
If the past few years have taught us anything, it’s that you never know what’s 
coming next! Building an emergency fund of 3-6 months’ worth of operating 
expenses can give you a buffer for unexpected events (or at least keep you 
from panic-Googling “business loans”).



6- Reduce debt where possible
We all love a bit of debt to spice things up... But high-interest debt is 
the financial equivalent of throwing money out the window. If you can, pay 
it down or refinance at a lower rate. Future you will thank you for not 
spending the next year chained to a never-ending loan repayment plan.



7- Diversify revenue streams
Relying on a single product or client is a bit like putting all your eggs in 
one basket, and we all know how that ends (scrambled). Look for 
opportunities to expand your income streams—whether that’s new products, 
services, or even exploring online sales.



8- Negotiate with suppliers
Don’t be afraid to pick up the phone and ask for a better deal from your 
suppliers. They’re not mind readers, after all. You might be surprised how 
much room there is for negotiation. Worst case? They say no. Best case? You 
save money. Either way, you’ve got nothing to lose but the awkwardness of 
the conversation.



9- Automate payments and invoicing
Still chasing up payments like it’s 1995? It’s time to automate! Set up 
digital invoicing and payment systems to make sure the cash rolls in on 
time, and you’re not constantly refreshing your bank account waiting for 
that one client who always pays late!



10- Get professional financial advice
Sometimes, it’s best to call in the experts—especially when it comes to 
navigating tax laws or financial planning. A good accountant or advisor can 
help you avoid costly mistakes, identify savings, and maybe even stop you 
from screaming into a pillow during tax season. Trust us, it’s worth it.



If these tips have got you thinking about how to strengthen your business 
for 2025, we’re here to help. At Coaching360, we offer tailored business 
coaching designed to help you not only manage your finances but also grow 
your business, improve efficiency, and build long-term resilience.



Fancy having a chat about how we might be able to support you and your 
business? (Don't worry, it's completely free!). Let us know using the button 
below and we'll get in touch.




 <https://cK13Q04.na1.hubspotlinksstarter.com/Ctc/OP+113/cK13Q04/VWPT9W8LhgJRW34-gRd6ZCF2DW430FVB5lBNXNN6pj1X43m2ndW7lCdLW6lZ3pWW2tj7kS8ypfMxW2X49cw1rMCvNW31L6Cd8nLK0RW4ggwZW4_jvf4W3w5gbj8Hg01HVNk_981y-VZxW9c5vNM1NcwX9W2Tzz6q6ZXSHqW8jBGq83B8x4-W3xlmZ138wS51W88HXW-38FHKNW10gFvk2VWqfdW7DGVNM7m5C0cW1mLVjl5W_57bW3qYzf28-6Fm5Vt6w8F4-Qq2sW2kgK9x1YbsP3W6D9WSX3TFQ71W4S3fhv33W4jzN7l33mPTRW7jW1G9H7h8TmP3fN26P1N9DkWfBW6_vp--1mWYGwW3P9JkX3dcZjkf8SXBMd04> 
Click here to request a chat!



If you have questions about this or other areas in business, please do reach 
out.



To your success,

Frankie



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margin-bottom:10px"><span style=3D"color: #000000;">Hi Bob,</span></p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">As we move =
towards the end of the year, it=E2=80=99s a great time to review your =
financial strategy and make sure your business is set up for a strong =
2025. Below are 10 actionable financial tips designed to help UK =
business owners manage their cash flow, reduce costs, and increase =
profitability:</p>
<h2 style=3D"margin:0; mso-line-height-rule:exactly; line-height:175%; =
font-size:22px">&nbsp;</h2>
<h2 style=3D"margin:0; mso-line-height-rule:exactly; line-height:175%; =
font-size:22px">10 Smart Financial Moves for Your Business:</h2>
<p style=3D"mso-line-height-rule:exactly; line-height:175%; =
padding-left:40px">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%"><strong>1 - =
Evaluate your cash flow</strong></p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">You know the =
old saying: cash is king. Take a look at your cash flow and ask =
yourself, "Where exactly is all that money going?". Use digital tools to =
track your income and expenses in real-time=E2=80=94it=E2=80=99s like =
having X-ray vision for your bank account.</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%"><strong>2- =
Review your tax efficiency</strong></p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">Taxes: the =
only thing more painful than Monday mornings. But reviewing your tax =
strategy could uncover ways to save, like claiming allowances or =
rethinking your business structure. Don=E2=80=99t forget to check if =
you=E2=80=99re eligible for R&amp;D tax credits.</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%"><strong>3- =
Plan for capital investments</strong><br>Is it time to buy that fancy =
new equipment or finally upgrade from Windows 95? Planning your capital =
investments early can help you budget and potentially take advantage of =
tax reliefs. Just make sure your purchases align with business growth... =
not just your tech envy.</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%"><strong>4- =
Reassess your pricing strategy</strong><br>When was the last time you =
reviewed your pricing? If your costs have gone up but your prices =
haven=E2=80=99t budged, you might be working harder for less. If you =
feel nervous about raising prices, remember: you=E2=80=99re running a =
business, your customers will understand (and if they don=E2=80=99t, =
well, they can take their business elsewhere).</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%"><strong>5- =
Build an emergency fund</strong><br>If the past few years have taught us =
anything, it=E2=80=99s that you never know what=E2=80=99s coming next! =
Building an emergency fund of 3-6 months=E2=80=99 worth of operating =
expenses can give you a buffer for unexpected events (or at least keep =
you from panic-Googling =E2=80=9Cbusiness loans=E2=80=9D).</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%"><strong>6- =
Reduce debt where possible</strong><br>We all love a bit of debt to =
spice things up... But high-interest debt is the financial equivalent of =
throwing money out the window. If you can, pay it down or refinance at a =
lower rate. Future you will thank you for not spending the next year =
chained to a never-ending loan repayment plan.</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%"><strong>7- =
Diversify revenue streams</strong><br>Relying on a single product or =
client is a bit like putting all your eggs in one basket, and we all =
know how that ends (scrambled). Look for opportunities to expand your =
income streams=E2=80=94whether that=E2=80=99s new products, services, or =
even exploring online sales.</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%"><strong>8- =
Negotiate with suppliers</strong><br>Don=E2=80=99t be afraid to pick up =
the phone and ask for a better deal from your suppliers. They=E2=80=99re =
not mind readers, after all. You might be surprised how much room there =
is for negotiation. Worst case? They say no. Best case? You save money. =
Either way, you=E2=80=99ve got nothing to lose but the awkwardness of =
the conversation.</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%"><strong>9- =
Automate payments and invoicing</strong><br>Still chasing up payments =
like it=E2=80=99s 1995? It=E2=80=99s time to automate! Set up digital =
invoicing and payment systems to make sure the cash rolls in on time, =
and you=E2=80=99re not constantly refreshing your bank account waiting =
for that one client who always pays late!</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%"><strong>10- =
Get professional financial advice</strong><br>Sometimes, it=E2=80=99s =
best to call in the experts=E2=80=94especially when it comes to =
navigating tax laws or financial planning. A good accountant or advisor =
can help you avoid costly mistakes, identify savings, and maybe even =
stop you from screaming into a pillow during tax season. Trust us, =
it=E2=80=99s worth it.</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%; =
padding-left:40px">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">If these =
tips have got you thinking about how to strengthen your business for =
2025, we=E2=80=99re here to help. At Coaching360, we offer tailored =
<strong>business coaching</strong> designed to help you not only manage =
your finances but also <strong>grow your business, improve efficiency, =
and build long-term resilience</strong>.</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">Fancy having =
a chat about how we might be able to support you and your business? =
(Don't worry, it's completely free!). Let us know using the button below =
and we'll get in touch.</p>
<p style=3D"mso-line-height-rule:exactly; =
line-height:175%">&nbsp;</p></div></div>
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" =
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data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div =
id=3D"hs_cos_wrapper_module_17259767886501_" class=3D"hs_cos_wrapper =
hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: =
inherit; font-size: inherit; line-height: inherit;" =
data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"rich_text"><p =
style=3D"mso-line-height-rule:exactly; line-height:175%">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">If you have =
questions about this or other areas in business, please do reach =
out.</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">&nbsp;</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">To your =
success,</p>
<p style=3D"mso-line-height-rule:exactly; line-height:175%">Frankie</p>
<p style=3D"mso-line-height-rule:exactly; =
line-height:175%">&nbsp;</p></div></div>
<div id=3D"hs_cos_wrapper_module_17199997731802" class=3D"hs_cos_wrapper =
hs_cos_wrapper_widget hs_cos_wrapper_type_module" style=3D"color: =
inherit; font-size: inherit; line-height: inherit;" =
data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><table =
class=3D"hse-image-wrapper" role=3D"presentation" width=3D"100%" =
cellpadding=3D"0" cellspacing=3D"0" style=3D"border-spacing:0 =
!important; border-collapse:collapse; mso-table-lspace:0pt; =
mso-table-rspace:0pt">
  <tbody>
    <tr>
      <td align=3D"left" valign=3D"top" =
style=3D"border-collapse:collapse; mso-line-height-rule:exactly; =
font-family:Arial, sans-serif; color:#23496d; word-break:break-word; =
text-align:left; padding:0px; font-size:0px">
        <img alt=3D"C360 Email Sig (1620 x 420 px)" =
src=3D"https://hs-5986753.f.hubspotstarter.net/hub/5986753/hubfs/C360%20E=
mail%20Sig%20(1620%20x%20420%20px).jpg?width=3D1000&amp;upscale=3Dtrue&am=
p;name=3DC360%20Email%20Sig%20(1620%20x%20420%20px).jpg" =
style=3D"outline:none; text-decoration:none; =
-ms-interpolation-mode:bicubic; max-width:100%; font-size:16px" =
width=3D"500" align=3D"middle" =
srcset=3D"https://hs-5986753.f.hubspotstarter.net/hub/5986753/hubfs/C360%=
20Email%20Sig%20(1620%20x%20420%20px).jpg?upscale=3Dtrue&amp;width=3D1000=
&amp;upscale=3Dtrue&amp;name=3DC360%20Email%20Sig%20(1620%20x%20420%20px)=
.jpg 500w, =
https://hs-5986753.f.hubspotstarter.net/hub/5986753/hubfs/C360%20Email%20=
Sig%20(1620%20x%20420%20px).jpg?upscale=3Dtrue&amp;width=3D2000&amp;upsca=
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1000w" sizes=3D"(max-width: 500px) 100vw, 500px">
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<div id=3D"hs_cos_wrapper_footer_module" class=3D"hs_cos_wrapper =
hs_cos_wrapper_widget hs_cos_wrapper_type_module" style=3D"color: =
inherit; font-size: inherit; line-height: inherit;" =
data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><table =
role=3D"presentation" class=3D"hse-footer hse-secondary" width=3D"100%" =
cellpadding=3D"0" cellspacing=3D"0" style=3D"border-spacing:0 =
!important; border-collapse:collapse; mso-table-lspace:0pt; =
mso-table-rspace:0pt; font-family:Arial, sans-serif; font-size:12px; =
line-height:135%; color:#23496d; margin-bottom:0; padding:0">
  <tbody>
    <tr>
      <td align=3D"left" valign=3D"top" =
style=3D"border-collapse:collapse; mso-line-height-rule:exactly; =
font-family:Arial, sans-serif; font-size:15px; color:#23496d; =
word-break:break-word; text-align:left; margin-bottom:0; =
line-height:135%; padding:10px 0px">
        <p style=3D"mso-line-height-rule:exactly; font-family:Arial, =
sans-serif; font-size:12px; font-weight:normal; text-decoration:none; =
font-style:normal; color:#23496d">
          Coaching 360 Ltd, Suite 69, Pure Offices, Plato Close, =
Leamington Spa, Warwickshire CV34 6WE, 01926 942144
        </p>
        <p style=3D"mso-line-height-rule:exactly">
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href=3D"https://hs-5986753.s.hubspotstarter.net/preferences/en/manage?dat=
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ontent=3D323973639&amp;_hsenc=3Dp2ANqtz-85NNvB__B2i6fc8nWe0pt0wZ6fQpg0aDs=
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</table></div>
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