Cemburu.info
Finance and Business Advice for Small Businesses
About
Cemburu.info is here to help you improve your business, I specialise in the following business areas, Finance /Outsourcing / Insurance / Working from Home. My professional written articles offer all sorts of tips and will help make a real difference to your business. If you can relate to the topics on my blog I will also welcome a guest blogger to contribute.
Finance and Banking Advice for Small Businesses
Small Business Loan or Overdraft
In difficult times small businesses whether they are currently struggling or trying to grow will have financial issues. In economic downturns profit margins shrink which means that businesses become more and more vulnerable to financial problems. There are usually tow options for business finance for a small business: Business Overdraft A Business Overdraft is particularly [...]
Business Banking Accounts
If you want to set up an account when you are setting up your business or whether you are changing a bank account there are some very key issues – a good business banking manager can make all the difference to the success of your business. So when you are looking around at banks then [...]
Outsourcing Work
Outsourcing for small businesses
When someone starts working for themselves as a home business or contractor then they often can have unreasonable expectations of how much they can take on. There is often the belief that if you work for yourself then they should do every task in the business. Sometimes this is because they feel they can’t afford to pay anyone else to do some work or they believe that they will do it better than anyone else. This is rarely true-there are many tasks needed to run a small business that can be done more effectively and more quickly done by a specialist in the field. For those who think they cannot afford to pay someone for services, this is often a fallacy as well. If when try to run a small business it takes more time to sort the administration or other home-based tasks there is little time left for actually doing the work for customers that makes money.
- Transport – If you have a parcels or good to deliver each week it can hardly be cost effective to have the key worker acting as a delivery person when getting a local delivery or courier service could be much cheaper.
- -Home and family upkeep – If you try to run a business from home-perhaps whilst the children are at school or playgroup then it is a sure way to an early nervous breakdown to try to do everything at home as well. Using a cleaning service or childcare support is essential to enable a full uninterrupted day’s work. Paying for child minders or after school clubs is not cheap, but using them enables a business to grow and prosper because of the prompt service and quality of work, it will be worth it in the long run.
-Accounting and payroll services –a small business will need the support of an accountant even if you use a business accounting software package. For those people who are contractors or freelancers a good option is to use an umbrella company such MSL Payroll, to take care of your contract administration and pay you through their payroll system.
Business Insurance Information
Small Business Insurance
The type of business insurance you need will depend on where you are siting your business and the nature of your work. If you are planning to work from home then you should check whether you need a specialist insurance policy as your household insurance will not cover you if your office equipment is stoles [...]
Working From Home Handy Hints & Tips
Setting up a home office
If you are starting a business or beginning to work for yourself then you need to make a list and look at issues and costs associated with setting up your home office such as: -Does the room have enough natural light and/or will you need blinds fitting to work during summer? You need adequate light [...]