What is Business Budgeting?

Julia regularly meets on premises with business owners in Perth to assist them in developing a budget to manage cash flow. 

Business Budgeting is an important activity for any small business to undertake, not only for tracking financial business health but also for the purpose of decision making and obtaining finance.

Budgeting vs Forecasting

A business budget takes into account likely income and expenses, thus allowing the business owner to set aside money for known outcomes. These are often prepared annually or quarterly.

On the other hand, a business forecast makes predictions based on past trends in your financial statements and can give you an accurate reading on where your business is heading. Business forecasts are better conducted more frequently than budgets.

One of the most important forms of business forecasting is the cash flow forecast. This activity is very useful when seeking finance, or valuing a business as it shows you have the capacity to make loan payments.

The Swinstead Approach

Julia has a reliable track record working with a diverse range of clients including FIFO workers, tradespeople, home based businesses, freelance businesses, personal service businesses, family trusts, companies, partnerships, not for profits and sole traders to mention a few.

Swinstead Accounting is fully insured and when working with Julia, you can expect honesty, reliability, punctuality and adherence to deadlines.  You can also enjoy the flexibility that comes when working with a mobile accountant with an emphasis placed on consistent and clear communication.

  • Qualified mobile CPA, best Master of Accounting at Curtin University
  • Expert at major accounting packages including Xero, MYOB and QuickBooks
  • Big enough to understand complex financial challenges, small enough to care
  • Helen-Ann VersteegHelen-Ann Versteeg

    Julia is hard working, honest & generous -- One lovely lady!

  • Sandy CreamSandy Cream

    Julia has been my accountant for almost a year now.
    She has made it that I am in touch with my business now.
    My books are all correct and I feel really good having control over the numbers.
    I highly recommend Julia.
    I can’t thanks her enough for how professional and how passionate she is at wanting to help me succeed.

  • Steve HamiltonSteve Hamilton

    I have referred Julia a few times now to people I know and they have been very happy with the service , knowledge and help that Julia has given for there accounting needs.
    And best of all Julia is mobile !

  • Steph HamiltonSteph Hamilton

    Julia is very knowledgeable, reliable and passionate about her work. Highly recommended!

  • Paul WebsterPaul Webster

    Julia Swinstead doesn't only care about the numbers, she cares about people too. She will work hard to get the best outcome for you. Highly recommend.

  • Fiona JohnsonFiona Johnson

    Julia provides an informative, professional and helpful service. Highly recommended!!

  • Jacqueline CampbellJacqueline Campbell

    If you are looking for an accountant who is not only meticulous in her work but you can also ask any financial question that is bothering you without feeling like a dummy and get a terrific explanation, in english, the Julia is definitely the accountant for you !!!

  • Debbie AylmoreDebbie Aylmore

    Julia is a knowledgeable and thorough accountant who listens to her clients. Highly recommend

  • Lisa KniebeLisa Kniebe

    Julia is my financial rock!

    As a writer & creative numbers are not my thing. I’d tried to set myself up with simple bookkeeping systems, but I found myself in a mess at the end of this financial year! In fact, I’d given up using Quickbooks and had gone back to a spreadsheet as I didn’t now how to untangle the knots I’d created!

    Then along came Julia...

    Her pragmatic approach soon had everything sorted out and now I know exactly where I am.

    Highly recommend her for all your bookkeeping and accounting needs.

  • Rebecca PrivilegeRebecca Privilege

    Julia is experienced with a depth of knowledge that is second to none. Highly recommended.

  • Julian DyerJulian Dyer

    Julia, thanks for all your help with tax returns, accounting and company structure advice. Also, a tip of the hat for always being prompt to get on the phone to help me resolve issues with my bookkeeping. I now, finally, have full confidence that my finances are systemised and I'm in a position to scale up without the unexpected growing pains.

    Oh, and if anyone is wondering, yes - having a mobile accountant is awesome.

  • Brown HackettBrown Hackett

    Julia is very professional and a pleasure to deal with, I am lucky to have her as my Accountant. Gary

  • Paul EwbankPaul Ewbank

    Julia has done wonders she has sorted out many issues my last accountant missed and I can’t thank her enough. In life they say u need a good accountant and hey I have found her !!

  • Julian DyerJulian Dyer

    Highly recommended, Julia is professional, knows her stuff and takes the time to understand your business challenges and goals before recommending solutions.

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