03/06/2026
There’s one question I wish every business owner would ask before making a big financial decision.
It’s not “can I afford this?”
It’s: “What does this do to my cash flow for the next 3 months?”
Because “can I afford this” usually means “is there money in the bank right now?” And that’s a dangerous way to make decisions.
The money in your bank account today isn’t all yours. Some of it belongs to SARS. Some of it is committed to expenses that haven’t hit yet. Some of it is your VAT liability.
When you ask the cash flow question instead, you’re forced to think about what’s coming in, what’s going out, and when.
That’s how you avoid the situation where you buy new equipment in June and then can’t pay your provisional tax in August.
I’ve seen this save clients tens of thousands of rands. Not through any clever trick just, through asking a better question before swiping the card.
Next time you’re about to make a big purchase or investment in your business, pause and ask the cash flow question first.
And if you don’t know the answer? That’s exactly why you need monthly financial reporting.
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