{"id":4234,"date":"2025-12-11T10:52:22","date_gmt":"2025-12-10T22:52:22","guid":{"rendered":"https:\/\/www.bdsaccountants.co.nz\/?p=4234"},"modified":"2025-12-11T13:12:44","modified_gmt":"2025-12-11T01:12:44","slug":"how-to-survive-the-christmas-cash-flow-crunch","status":"publish","type":"post","link":"https:\/\/www.bdsaccountants.co.nz\/insights\/how-to-survive-the-christmas-cash-flow-crunch","title":{"rendered":"How to survive the Christmas cash flow crunch"},"content":{"rendered":"

While retailers race through their busiest time of year, not every business benefits from the Christmas rush. <\/span>Many service-based, wholesale, or manufacturing businesses might even face a sharp decline in orders just when holiday pay, bonuses, and annual shutdowns see expenses rise.<\/span><\/p>\n

    \n
  1. Forecast to February <\/strong><\/li>\n<\/ol>\n

    Projecting your income and expenses well into the new year helps you spot potential shortfalls and take action before they become problems.<\/p>\n

      \n
    1. Invoice early, follow up now<\/strong><\/li>\n<\/ol>\n

      Send invoices before your shutdown period and chase outstanding debts while clients are still around.<\/p>\n

        \n
      1. Prioritise essential spending<\/strong><\/li>\n<\/ol>\n

        Identify what expenses are necessary and what can wait until revenue picks back up.<\/p>\n

          \n
        1. Prepare for January\u2019s tax obligations<\/strong><\/li>\n<\/ol>\n

          The 15 January due dates for PAYE, GST, and provisional tax can feel like a Grinchy surprise. Set aside funds now to avoid starting the new year under pressure.<\/p>\n

          Worried about the summer squeeze<\/strong><\/p>\n

          If this season feels tight, get in touch. Our financial advisors can help you plan ahead, manage your cash flow, and explore IRD instalment options to lighten the load. Contact Us!<\/a>\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

          While retailers race through their busiest time of year, not every business benefits from the Christmas rush. Many service-based, wholesale, or manufacturing businesses might even face a sharp decline in orders just when holiday pay, bonuses, and annual shutdowns see expenses rise. Forecast to February Projecting your income and expenses well into the new year …<\/p>\n","protected":false},"author":1,"featured_media":4237,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[489,490,493],"tags":[],"yst_prominent_words":[162],"yoast_head":"\nHow to survive the Christmas cash flow crunch - BDS Chartered Accountants<\/title>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<meta name=\"googlebot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"bingbot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bdsaccountants.co.nz\/insights\/how-to-survive-the-christmas-cash-flow-crunch\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to survive the Christmas cash flow crunch - BDS Chartered Accountants\" \/>\n<meta property=\"og:description\" content=\"While retailers race through their busiest time of year, not every business benefits from the Christmas rush. 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