Seasonal Budget Management Programme
Running a business means dealing with constant change. Some months bring steady income, others feel like a drought. And then there's December—where everything goes quiet while bills keep coming.
This programme helps you manage these ups and downs without stress. We focus on practical planning, building cash reserves, and adjusting your approach as the year unfolds. No complicated jargon. Just real strategies that work for Australian small businesses.
Our autumn cohort begins in September 2025 and runs through December. You'll work through your actual numbers, not theoretical examples.
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What You'll Actually Learn
We've built this around conversations with over 200 business owners who struggled with seasonal cash flow. Here's what came up most often.
Cash Flow Forecasting
Learn to predict quiet periods before they hit. We'll show you how to read patterns in your own data and prepare accordingly. Most businesses can spot trouble three months out once they know what to look for.
Building Buffer Funds
Setting aside money sounds simple until you try it. We break down realistic saving strategies that won't choke your operations. You'll leave with a buffer plan that actually fits your revenue cycle.
Expense Management
Not all costs are equal. Some you can shift, others you can't. We help you identify which expenses to time differently and which subscriptions you're paying for out of habit rather than need.
Revenue Smoothing Techniques
Explore ways to generate income during slower months. This might mean advance bookings, retainer arrangements, or alternative services. We look at what's worked for businesses similar to yours.
Tax Planning Across Seasons
Your tax obligations don't disappear when revenue dips. We cover quarterly planning so you're never scrambling when BAS is due. Plus strategies for managing GST and PAYG through lean periods.
Emergency Response Plans
Sometimes seasonal dips turn into genuine crises. We prepare you with decision frameworks for tough calls—like when to draw on credit, when to negotiate with suppliers, and when to pivot your offerings.
Programme Schedule
Your Instructors
We've pulled together people who've actually managed businesses through tough cycles. They're here because they remember what it's like to check your bank balance and wince.
Ragnar Thornfield
Small Business Finance AdvisorSpent 15 years running a hospitality business before switching to advisory work. He knows exactly what January feels like when December was slow.
Octavia Pembridge
Cash Flow Management SpecialistFormer retail owner who survived three major economic downturns. Now helps others build the financial resilience she wishes she'd had earlier.
Dorian Ashworth
Tax Planning ConsultantWorks with seasonal businesses to manage compliance without panic. His approach focuses on spreading tax obligations across the year rather than letting them pile up.
Applications Open for Autumn 2025
Limited to 18 participants so everyone gets individual attention. Early applications close July 31, 2025. Standard applications accepted through August 25, 2025.
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