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#budgeting

Budgeting

Create and maintain effective budgets for personal and business finances

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The FDA's New 'Healthy' Label Rule: What Food Businesses Must Do Before February 25, 2028

The FDA's updated definition of 'healthy' becomes mandatory on February 25, 2028: products must contribute a meaningful amount from a food group and stay under 10% DV saturated fat, 15% DV sodium, and 10% DV added sugars per serving. Here's who gains eligibility, who loses it, what compliance costs (~$20 per UPC for label updates, ~$1M per reformulated formula), and a practical timeline for small food businesses.

mike

compliancesmall-businesscost-management

OSHA's Hazard Communication Deadline Moved to November 20, 2026: A Small Business Compliance Guide

OSHA's January 2026 rule moved the Hazard Communication compliance deadline for employers to November 20, 2026 for substances (May 19, 2028 for mixtures). Here's what small businesses must update — labels, training, and written HazCom programs — plus penalties up to $16,550 per serious violation and the 70% reduction now available to employers with up to 25 workers.

mike

oshaworkplace-safetycompliance

Profit First for Small Businesses: How the Five-Account System Fixes Cash Flow

The Profit First method flips Sales − Expenses = Profit into Sales − Profit = Expenses, routing revenue through five bank accounts (Income, Profit, Owner's Pay, Tax, OpEx) on a twice-monthly cadence. This guide covers target allocation percentages by revenue band, the real-revenue calculation that trips up contractors, common failure patterns, and where the system's critics have a point.

mike

cash-flowsmall-businessfinancial-management

Rolling Forecast vs. Annual Budget: Which Should a Small Business Use?

A rolling forecast replaces each closed month with actuals and adds a new month to a fixed 12-month window, so plans never go stale. About 42% of organizations use one (AFP), most alongside — not instead of — an annual budget, and combined approaches improve planning accuracy 25–30%. Here's how the mechanism works, the mistakes to avoid, and a six-step build guide.

mike

forecastingbudgetingfinancial-planning

Independent Film Production Accounting: Above-the-Line, Below-the-Line, and the Cost Report That Keeps You on Budget

How independent film budgets actually work — above-the-line costs run 30–35% of budget, contingency should be ~10%, and 39 states plus D.C. and Puerto Rico return 15–45% of qualified spend through film incentives. A practical guide to cost reports, loan-out companies, and building a chart of accounts that survives an audit.

mike

creative-industriesaccountingbudgeting

Your Electricity Bill Isn't Wrong: Why Commercial Rates Keep Climbing and How to Budget for It

Commercial electricity rates have risen more than 20% nationally since 2018, and demand charges — the single highest 15-minute power spike in a billing cycle — can account for 30-70% of a business's bill; separating the two in your chart of accounts and shopping contracts 60-90 days before renewal are the most effective ways to control the cost.

mike

small-businessbudgetingcost-management
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