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...careful how they spend their money and that they have enough money coming in each month to pay staff and all their bills. This also means that they sometimes do not have the money to make further investments, even if these investments would repay themselves in a relatively short period of time by saving costs (e.g. investment in new, energy-efficient machinery) or...

...cut back on what you spend as you can start by trimming non-essentials. Take particular care to assess your energy costs taking into account the support that you may receive from the Government for these. Even with such support, consumers’ energy bills will be higher than in previous years. Add in an amount for unexpected spending, e.g. to cover replacing household goods that break down. Having this emergency fund for ......