It’s hard to believe it is only 6 weeks until Christmas. 

How’s your job management going, have you planned all your work until Christmas or the last day you plan to work? 

Christmas is a deadline we all seem to have, it’s also clients & customers' deadlines.  It’s like life doesn’t continue after Christmas. Just be realistic in your expectations and don’t overpromise.

Most importantly, have you planned for your Christmas shutdown?  We are planning on closing for two weeks from Friday 20th December until Monday 6th January. 

That is two weeks without income, however, the bills keep on rolling.  Have you planned your income in December to cover two weeks (shutdown period) of expenses? 

Have you ever worked out your fixed weekly costs in your business? This will help answer the questions above.

The cash is what you need:



• What direct debits do you have
• Do you have time to pay your creditors (bills),
• The next BAS is not due until 28 February,
• December quarter superannuation is not due until 28 January. 

Work out the bare minimum you can get by on.  It’s only a short-term need, however, you need an answer on how much.