Budgeting is a cornerstone of managing money and personal finance. Your personal expenses are divided from your disposable (after tax) income into Needs (Must have ) — 50%, (Your needs can be broken down into — Education 20%, Housing 15%, Clothes 5%, Food 10%), Wants (desires) — 30% and Savings…

Supply chain finance -Money Matters With Mel Weekly Newsletter — Issue #23 Last week we discussed Invoice Factoring as one way of financing working capital. Invoice factoring is just one piece in Supply Chain Finance (SCF) and Supply Chain Management. SCF connects buyers & sellers with financing institutions. As a…

Cash is king. Thanks to the disruptive season we are in, many suppliers are insisting on payment on delivery of goods and services. Payments constitute the revenue lifeblood flowing into the business. Profit is derived from topline (before cost of sales and tax deductions) revenue. …

Money matters with Mel Weekly Newsletter Issue#19 Every business has to be constantly preparing itself for sale. This requires a firm handle on all the important numbers. Selling a business is an emotional venture. A good reason to sell or the existence of a “hot” market can ease the burden…