128: Business 2 - Financial Planning and Budgeting

Published December 19, 2024 |

Don’t get me wrong, I’m neither a fan of Financial planning nor accounting, and there isn’t really a reason to do this first aside from the fact that it is the end of the year, and I’d like to follow a similar thought process for my own personal “Budget” in 2025.

1. Set Revenue Guidance and Target (Sales Budget)

  • Sales (preferably grounds up) to review opportunities and pipeline to hit figure
  • Current view is having opportunities,

2. Understand Key Enablers (Sales and Marketing)

  • Consider what are needed to achieve the target
  • Manpower
  • Marketing (especially exhibitions, campaigns, advertisements, promotions)
  • Travel, transport, entertainment

3. General and Admin (OPEX)

  • General management Manpower
  • General expenses
  • Travel, transport, etc

4. Product (OPEX)

  • Split by each respective Project team
  • Consumables
  • Services

Note that some product development expenses can be capitalised, but I have found masking such costs are not tenable in the long term, from a “purists” view of P&L.

5. CAPEX

  • Split by each Department
  • Feeds into the Fixed Asset register

Combined, this is sufficient to produce a P&L, Balance Sheet and Cash Summary