Bennett Financials Journal
Practical ideas for protecting profit, planning tax, and building a business that works better for you.
Don't add an “extra payroll” line to the 2027 budget because someone says it is a 27-payday year. Export your actual payroll calendar, apply the approved holiday rules and count the payment and bank debit dates.
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A 20% increase in fuel prices does not justify adding 20% to a home-service invoice. Recover the change in the fuel component, subtract anything already recovered elsewhere, and check that the customer agreement supports the adjustment.
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A lender offers a smaller monthly payment. Don't approve the refinance until you know how much debt will remain when you expect to sell the business, repay the loan or refinance again.
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A new $6,000 monthly managed-service agreement can be a good sale and a poorly funded implementation. Before waiving the onboarding fee, work out who pays for the engineers between signature and stable service.
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Measure SaaS failed-payment recovery without inflating MRR or retention. Separate recovered, pending, and unpaid invoices with a fixed cohort.
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Evaluate a major client's price-cut request using contribution, avoidable costs, scope trades, payment terms, minimum commitments, and a loss scenario.
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Model the cash gap before a business insurance reimbursement. Separate claim timing, uncovered losses, repair cash, operating shortfalls, and credit availability.
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Build a 2027 employer health insurance budget by coverage tier, contribution policy, enrollment month, and fees. Includes a worked renewal example.
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Price a dental membership plan using full redemption, delivery costs, treatment discounts, appointment capacity, and an initial enrollment limit.
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Size a cash reserve for prepaid service packages by modeling refunds, remaining delivery costs, fixed commitments, and processor funding timing.
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