A personal budget is a finance plan that allocates future personal income towards expenses, savings and debt repayment. In other words, it’s a plan that sets out how you’ll spend and save your money. This definition of a personal budget makes three important distinctions: Firstly, this is a personal budget. Its purpose
Was being able to set flexible working hours a drawcard to owning a business? In reality, do you work more than ever, affecting your personal life? Don't despair! Pathfinder Solutions can help you free up time so you can do more of what you love. A key benefit of owning your own
Staying on top of cashflow is essential for ongoing commercial viability, and even more important if you're growing your business. Pathfinder Solutions has helped numerous clients get on track - and stay on track - with their cashflow monitoring processes. Money in, money out. Cashflow is fundamental to and one of the
Are you struggling to get paid on time? Could your invoicing and payment process be more organised and streamlined? We'll explain the basics of good payment management and how tech can help speed up your cash collection. Ensuring you get paid on time is crucial to commercial success. Making sales and generating
During 2020 and 2021 IRD took a lighter approach to those not paying their taxes but have recently started cracking down on non-payers, with a priority on businesses that have failed to pay their employee deductions and GST. GST, PAYE and KiwiSaver payments will be the first priority Outstanding PAYE and employee
As childcare owners ourselves, we truly understand the challenge of mastering that fine balance between quality education and centre profitability. In this blog, we discuss some financial metrics and key performance indicators (KPI's) to track in your childcare business. Successfully navigating the course of your childcare business and making sure
Do you know which metrics and key performance indicators (KPIs) to track in your business? Pathfinder Solutions are here to help you identify and set up a customised KPI dashboard to manage your company's future path. Successfully navigating the course of your business and making sure it's profitable is a crucial best
What's the vibe like in your workplace? Is it attractive to potential, new and long-term team members? In this unprecedented recruitment environment, focusing on flexibility, inclusivity, wellbeing, and technology can help you attract and retain talent. With low unemployment, the ongoing challenges of border closures, and increased competition for people, businesses are
A crystal ball would be handy in business. Likewise, forecasting (based on essential tools and techniques) can provide you with an informed view of the future of your business and finances. One way to help improve your business decision-making is to produce regular management information. But looking at historical numbers can only
Are you looking to grow your business? Pathfinder Solutions suggests focusing on seven smart strategies. The first five increase your sales; the final two reduce costs and improve your margin and profitability. Which of the seven will you target first? Talk to us – and we'll help you get on track. Even
