How To Say No

April 20, 2016 in Money, Small Business by lizbygrave

by Marcia MacLeod

I turned down two pieces of work this year, much to the horror of some of my friends. “You can’t turn down work!” they screamed. “The client will never come back to you!” “Don’t you need the money?” others asked. But the best response was from a friend who asked “How can you do that? You’re in business!” when she, bless her, is near exhaustion because she is terrified of telling clients she will be late, or has to say no to new work,  because her mother is extremely ill in another part of the country and she has no siblings to  help take her to hospital appointments, try to organise social services, and do the shopping. Read the rest of this entry →

What Price Success?

March 5, 2015 in Finance, Money, Small Business, Small Business Advice by lizbygrave

by Marcia MacLeod

As I write this, the headline news in print, on TV and radio and online is the revelation that two leading and respected politicians – Jack Straw and Sir Malcolm Rifkind – are yet again embroiled in cash for access scandals. It’s quite clear that even the wealthiest and best-known public figures can be corrupted by money.

And while exposing a couple of corrupt politicians may seem like a million miles away from a small business in north London, there is a price for everything and as small business owners, we all have to work out what the best price is for our product or service – and for our sanity. Read the rest of this entry →

Credit Control Keeps Small Businesses In The Black

July 27, 2012 in Finance, Money, Small Business by lizbygrave

by Marcia MacLeod of Mark My Words

Sales are up, the customer base is growing, and you’re so busy you can’t even take a day off. But when the bank statement comes, something is definitely wrong: there’s a big red mark on the bottom and overdraft charges are coming your way. Why? Well…maybe not all those happy customers have paid yet….

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The End Of Free Business Banking for SMEs?

May 19, 2012 in Finance, Money, Small Business, Small Business Advice by lizbygrave

I was disappointed to learn recently that Santander has stopped offering its free business banking service.

Luckily for me, existing Santander business accounts are still free, it is new account holders that now have to pay the usual bank charges. As I have three separate Santander accounts for my three separate streams of income (Small Business Network, chocolate making and reflexology/massage), this is a relief! (19/7/12 update: Santander has since gone back on its verbal assurance to me that my accounts would continue to be free – one very unhappy and soon to be ex customer!)

However, I am still rather aggrieved that the banks can’t pull out the stops a little more in these tough economic times, in order to help small businesses by offering free or very affordable banking. After all, SMEs are meant to be the life blood of the economy and one of the major keys to its recovery. Unlike many of us, banks do still seem to be doing rather well (if you discount those in Greece, Spain and Italy perhaps), but bank charges are yet another drain on what can be very meagre small business resources right now.

The good news…there is still one way in which you can get free business banking, and this is with the Co-Op via The Federation of Small Businesses (FSB).

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Small Businesses Need A Money Genius!

September 13, 2011 in Money, Wealth Dynamics by lizbygrave

by Liz

Don’t miss this fantastic discount for SBN members on Laura Leigh Clarke’s Your Money Genius Audio Course! £1.47 instead of £5.99!
What you get:
– a free one hour audio
– how to find out your Money genius profile
– the Money Beliefs that are keeping you broke
– a Guided Release to Dumping your Emotional Baggage    Around Money
– a complementary bonus pdf illustrating the details of the Genius Matrix.

The offer ends 17 September so make sure to email me (Liz) before then if you’re an SBN member and want the code to get your 75% discount.

Click here for more info and/or to pay the full price of £5.99.