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As any seasoned business owner knows, certain times of the year can bring a surge in both revenue and responsibility. Whether it’s tax season, year-end reporting, or your industry’s peak trading period, busy seasons often mean longer hours, tighter deadlines, and higher financial pressure. At Kerry Lehane & Co, we know that financial stress isn’t just uncomfortable — it can cloud judgement, impact decision-making, and even affect your personal wellbeing. Here’s how to manage it effectively, maintain clarity, and stay in control when things get hectic.

1. Forecast Cash Flow Early

Busy seasons often mean a temporary mismatch between income and outgoings. Anticipate this by preparing a detailed cash flow forecast ahead of time. Factor in major expenses (such as stock purchases, overtime, or seasonal marketing) and plan for delayed payments from clients. Knowing what’s coming gives you the confidence to navigate bumps in the road.

2. Break Down Big Financial Tasks

Large financial obligations — like paying VAT, processing payroll, or reconciling year-end accounts — can feel overwhelming when piled on top of your day-to-day operations. Break these down into smaller, manageable tasks and set calendar reminders in advance. Ticking off small actions regularly is far more sustainable (and less stressful) than a last-minute scramble.

3. Lean on Your Accountant

A good accountant is not just for compliance. During busy periods, they can help you:

• Create realistic budgets
  

• Model cash flow scenarios
  

• Defer non-essential costs
  

• Explore short-term finance options if needed
  

If you’re unsure about upcoming obligations or feel under pressure to make a financial decision quickly, a 15-minute chat with your accountant can save you hours of stress.

4. Automate and Delegate

Technology is your ally during a busy spell. Automate invoicing, reminders, payment processing, and payroll where possible. Delegate administrative tasks so your focus remains on high-value activities. Even simple tools like receipt-scanning apps or automated bank feeds in your accounting software can dramatically reduce manual workload.

5. Prioritise Mental and Physical Wellbeing

Financial stress doesn’t just affect your business — it can impact your sleep, relationships, and mental clarity. Prioritise breaks, maintain a regular routine, and don’t skip meals. Even short walks or brief time away from screens can recharge your focus. Consider speaking with a business mentor or professional coach if the pressure feels unmanageable.

6. Use Each Season as a Learning Opportunity

Once the busy season passes, take time to reflect. What caused the most stress? What systems didn’t hold up? Were any financial surprises avoidable? Use those insights to strengthen your processes for next time — whether that means adjusting your pricing, hiring temporary staff, or building up your cash reserves.

Financial stress is part and parcel of running a business, but it doesn’t have to take over. With preparation, support, and smart systems in place, you can manage your finances — and your peace of mind — even in the most demanding seasons. As always, don’t hesitate to speak to your accountant for tailored advice based on your unique business needs.

If you would like to discuss your business needs. Call Kerry Lehane & Co Accountants on 023 8856054 or email info@kerrylehane.com

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