Category: Money
Owner-friendly guides to cash cushions, HST, paying yourself and insurance. Short reads with steps you can use on Monday.
A small business budget, line by line, for a seasonal city
Fixed, variable, seasonal. How to plan when half your revenue arrives between May and September.
Cash flow for small businesses: a complete guide for Ottawa owners
Profitable on paper and short in the account. How that happens, and the weekly habit that prevents it.
Why location matters when choosing a financial planner as an Ottawa business owner
A planner who knows Ontario rules, the Ottawa–Gatineau border and the public-service pension landscape will ask better questions.
Handling your business finances: a starter guide for Ottawa owners
Separate accounts, HST on a schedule, and a cash cushion sized for a city where winter changes foot traffic.
How to pay yourself from your corporation: the Ontario version
Salary, dividends or both. What the choice actually changes for a one-person Ottawa company.
Business insurance explained, with a Bank Street shop as the example
Liability, contents, interruption, cyber. What a small storefront on a busy Ottawa street actually needs covered.
How to start a business with no money
Is your bank balance making you second-guess starting a business? Starting a business with very little money usually looks like this: you take one clear skill, pair it…
How to manage inventory for small businesses – A complete inventory management guide
For most small businesses, inventory is one of the biggest make-or-break levers. Manage it well and you protect cash flow, keep customers satisfied, and avoid unnecessary costs. It’s…