Provisional tax has a reputation, and not a good one. For a lot of New Zealand business owners it is the tax that arrives bigger than expected, at a time when the cash is not there to meet it. It catches out more owners than any other part of the tax system.

Here is the reassuring part: provisional...

Every business owner knows the feeling. An invoice is well overdue, the customer has gone quiet, and every option in front of you feels awkward.

The good news is that you do not need a difficult personality or a scary lawyer to get paid. You need a process: a calm, staged sequence you follow the sa...

Chasing invoices is the job almost no one enjoys. It is easy to put off, easy to forget, and every day it slips is another day your money sits in someone else's account. The good news is that most of it can be automated, so the follow-up happens whether or not you get to it.

Here is how to set your...

Most business owners have thought hard about their prices. Far fewer have ever revisited their payment terms. Yet the terms on your invoice decide when the money actually reaches your account, and for cashflow, when matters just as much as how much.

The good news is that payment terms are one of th...

You did the work. You sent the invoice. And now you wait.

If that sounds familiar, you are not alone. For most New Zealand business owners, the gap between finishing a job and seeing the money land is one of the biggest drains on cashflow there is. It is winter now, the time of year when slow payer...

Winter has a way of slowing things down. The rush of year end is behind you, the long summer days feel like a different lifetime, and the diary is a little less frantic. It is tempting to put your head down and wait for spring.

But that quiet is exactly why mid-winter is one of the best times of th...