April 21, 2025
Budgetign 101
Budgeting business budgets personal budgets. Do you need a budget for business? TaxTalk4u how to budget and do comparisons to grow your business. Personal budgets the how to guide. Why should you do a budget? Grow business reduce costs and waste....
Budgeting business budgets personal budgets. Do you need a budget for business? TaxTalk4u how to budget and do comparisons to grow your business. Personal budgets the how to guide. Why should you do a budget? Grow business reduce costs and waste. Improve you cash forcasting and life by saving money.
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WEBVTT
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The topics and opinions express in the following show are
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solely those of the hosts and their guests and not
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those of W FOURCY Radio. It's employees are affiliates. We
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make no recommendations or endorsements for radio show programs, services,
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or products mentioned on air or on our web. No
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liability explicitor implies shall be extended to W FOURCY Radio
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or it's employees are affiliates. Any questions or comments should
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be directed to those show hosts. Thank you for choosing
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W FOURCY Radio.
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Barry gen Fouler EA brings you tax talk for you
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right here on W four CY Radio and Talkboard TV.
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As an enrolled agent and a national leader in tax
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resolution as well as Trucker bookkeeping and tax planning. With
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over thirty years of experience, Barry will break down taxes, bookkeeping,
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tax planning, and tax.
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Relief for individuals and businesses just like you. So let's
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have some tax talk for you with your hosts. Barry G.
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Foul Good morning, another happy Monday morning. Hope. Hopefully everybody
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had a wonderful and happy Easter with the family and
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got to spend a lot of time with family. Waking
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up this morning in the news and you see that
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Pope Francis passed away. So God rest his soul, pray
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for pray for him, and uh everyone in the in
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the church. So today, you know, starting Mondays and we're
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done one tax season. Hopefully you got your returns filed
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or you got your extension in and maybe you're starting
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to think about twenty five and you know, maybe you
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haven't done any tax planning, maybe you haven't done any
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business planning. Maybe you haven't really thought ahead about what
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you should be doing, both personal and business. And maybe
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I know this is the bad word people talk about budgeting.
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I mean, you know, in my household, you know, if
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we sit down and say the word budget, you know,
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my wife's eyes kind of roll like here we go again,
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and he's trying to control what we spend. And yes,
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it is about controlling what you spend because at the
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end of the day, it's what you have left in
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your bank account and not what you own, not the
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toys that you have, it's the money that you can
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retire on, build your business with, expand your business with.
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It's budgeting. I know the oldbody likes to sit down
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and create a budget, but a fact in school. I
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don't even know that they actually teach budgeting, business or
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personal a matter of fact, I don't even know that
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they really talk about personal finances. I know they don't
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talk about writing checks anymore. You know, these days it's zell,
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you know, the quickest way of transferring money, you know,
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between people or sometimes paying for things. You now have
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Apple pay or credit cards or whatever, and it doesn't
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really seem like real money. I've got a kid that's
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in physical therapy school for his doctorate and he's on
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student loans talking to me the other day about you know, oh,
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I want to go get fitted for a new for
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Mike Off bag and I want to go get a
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custom driver. And I'm like, son, you know, do you
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either have bigger eyes and more money than I do,
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or you don't realize how much money you don't have.
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Go back, look at your budget. Yeah, we created a
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budget for him for the two and a half years
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that he's going to be in physical therapy school of
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getting his doctorate. And he doesn't have time to work.
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You know, there is school from eight am till five pm,
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you know, Monday through Friday. They get a little bit
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of time here or there, to be able to you know,
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work in the clinic or something else. But they don't
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get paid for that, so it is all pure student
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loans for him. Got to go back and look at
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your budget. Do you have a budget for this? The
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budgeting becomes you know important. You know, you don't set
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your business up or your life up intentionally to fail,
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but do you actually know what your numbers are? You know,
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So budgeting is exactly what you're doing, is trying to
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make sure that you're not set up to fail, that
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you know your numbers and you know where you're heading.
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You know, money problems bookkeeping are kind of two big
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reasons why many small businesses don't make it pass their
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first five years. You know. Statistics show that many businesses
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fail in their first five years. You know, and budgeting
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can be overwhelming. I mean, we get it. You know,
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for a lot of business leaders, it's a lot more
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comfortable to dream up big ideas and getting stuff done
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and getting into numbers. But you can't set yourself up
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for success steady growth until you have good handle on
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the money flowing in and out of your company. As
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a matter of fact, there's going to be no financial
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peace until you understand these numbers. Now we're number of
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people you may not be. It's okay. If you just
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follow some of these simple steps and learn how to
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create a budget for your business, and then we'll also
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talk about managing your personal finances, you'll be able to
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do it with a lot more confidence. So you know,
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these are the things that you need to start thinking
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about it. So go back to the basics. What's a
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business budget. It's a plan how you're going to use
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your money to generate business every single month, quarter in year.
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So how are you going to to drive this business?
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You need to look at your expenses, your revenue, and
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the profit that's going to be coming down the road.
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It's going to help you decide what are you going
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to do with the profits from your business, or when
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and where to cut spending and grow your revenues and
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how to invest for growth when the time comes. You know,
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budgeting is going to give you the insights of where
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to go with your money then having no clue, no idea,
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or even wondering where your money went. You know, budgeting
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is not your profiting loss that you look at the
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end of the month. You know that profiting loss looks
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at the past doesn't look to the future. Your budget
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is going to be. Making you look to the future
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helps you identify the areas that you need to strengthen
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and grow. Looking in the past is what you've done
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wrong in the past, are how you want to improve
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going forward in the future. So don't get me wrong.
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Profit and losses are extremely important. They could be used
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to set up your budget for the future in future planning.
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So we always say, you know, your your first task
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in business is budgeting. You know, of thirty three point
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two million plus small businesses in the US, you know,
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and it's a lot more than that, it's probably thirty
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four to thirty five million out there because you know,
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since COVID, this has drastically expanded people wanting to get
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out to business, working for themselves instead of working under
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other people. But a lot of times these businesses fail
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because of cash flow, you know, pricing or cost issues.
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You know, pricing of your products or services that you sell,
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cost issues of the materials and the goods, or even
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the people required to do the business. We're not planning for,
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we're not budgeted for. Now. You know, we're going to
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tell you that, you know, just doing a budget loan
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isn't going to help you earn more money, but it
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is going to maximize the money you have. It's going
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to help you manage your cash flows, help you spend
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less than your business earns, help you stay on top
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of bills and taxes. And then budget's going to help
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you know if you're hitting your numbers, so you can
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move and be flexible in your business as it is
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needed or required. So creating your budget, you know, let's
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start with revenues. You got to know what the income
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is or projected is to come into your business. Where
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are you going to earn your money for the products
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or services that you sell. You know, if you go
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back and look at last month's profit and loss or
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the last couple of months profit and loss, or I
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could look at your checking account statement to see how
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much income you have coming in. You're just looking right
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now at what are your income streams? What brings in
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the revenue. You know, if you're running a HVAC business,
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it could be maintenance, cause service, repairs and sales, new
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units sales, installation sales, maybe air duct cleaning. If you're
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an owner operator truck driver, it's going to be transporting
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the goods out there, you know, are you using a broker,
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are you getting the loads yourself, or are you lease
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on all things that you need to be looking at
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to determine what your revenues are that are coming in.
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All right, after this break, we're going to talk about
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cost of goods sold, cost of services so that you
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can build upon that. When we're right back.
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We have only scratched the surface of play show. Please
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stand by as Parry G. Fowler will be right back
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with tax talk for you. If you owe the IRS
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or are going through an IRS audit, don't go at
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it alone. Call Taxation Solutions tax Relief at eight eight
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eight nine three zero one zero one six. We are
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your solution for IRS TETs, audits, back taxes.
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Whether you're an individual or business, you need a solution
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and a strong aggressive tax resolution. Don't let the IRS
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walk go over you. Stop the IRS now. Call eight
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eight eight nine three zero one zero one six or
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go to Taxationsolutions dot net now for a free no
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obligation consultation. Let's get back to tax talk for you
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with more tax tock once again.
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Here's your host, RYG.
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Fallum a budgeting, budgeting, budgeting. You know, nobody likes budgeting,
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and you know, we're talking about business budgeting here in
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the first couple of segments. We're gonna talk about personal
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budgeting later on. But in business, you know, you've got
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to start getting together. What are your cost of goods?
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What is your cost of service? What is the cost
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to provide these services? You know, these are expenses directly
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related to producing your product or your service. You know,
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in trucking businesses, you know, fuel goals, scale fees. These
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are items that are directly related to moving goods from
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one place to another. If you're in an hv AC business,
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it could be the cost of the ac, your heating units,
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the cost of your inventory. These items are are costs.
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So what does it cost to have that product on hand,
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available to sell or install? And then you're also going
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to start listing down your expense categories. You know, it's
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really kind of crazy sometimes how much money is going
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to slip through your fingers when you're not careful about
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putting it into a budget. You know, think about your
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all your business expenses, you know, down to the safety
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gear that you have to buy in the trucking business,
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to safety gear that you have to wear to protect
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applients home or office that you're in and repairing or fixing.
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Your items can be things like your payroll, your rent,
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your utilities, your insurance, office supplies, equipment, marketing if you
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do marketing or advertising, your technology, services and education. You know,
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all these things are you know important. You know, what
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are your truck payments, principle interest? You know, truck repairs,
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what are you projecting truck repairs going out into the future,
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normal maintenance, large scale maintenance. You know, you start going
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down this list of items, and you can go back
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and look at your prior profit and loss and to
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see the different expense categories that you have and the
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expenses that it takes to run your truck, run your business,
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whatever it you know may be. And you've got to
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go through and have all those different categories, and you
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might even want to get to where you break it
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down even more into the nitty gritty so that you
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can really identify the expenses that you have going in
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and out of your business. So now that you have
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a kind of a solid list of categories for both revenues, expenses,
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cost of goods sold, cost of services, now you start
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plugging in some real numbers. You know, this isn't hardcore.
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You know, sometimes you don't know what those numbers are.
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Sometimes you've got to make an educated guess, especially if
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you're just starting out. But if you've been earning income
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for a little while, go back and look at those
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past profit and loss statements. The guide you just know
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kind of what to expect what you're going to be
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bringing in. That first budget is about having a very
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thoughtful yes with history and then starting to get more
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realist month in and month out as you go through
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the business, start calculating what your expected profit or loss
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is going to be. You know, each new employee that
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you add into your business is going to be pure
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expense until that employee starts to help you generate more revenue. See,
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if you're bringing in we're going to use some round
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numbers here, ten thousand dollars a month, and maybe your
232
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expenses are seven thousand dollars a month, and you net
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three thousand, So that's your projected profit. You add somebody
234
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for staff to come in, and you bring them in
235
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for three thousand, your now net profit of zero. That's
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staff member just cost you three thousand dollars plus taxes
237
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that you're going to pay on them every single month
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until that employee helps you generate additional revenues to cover
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their costs. So you've got to be prepared and look
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at all these expenses. So you're taking your you know,
241
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gross revenues, subtracting your cost of goods sold, subtracting your expenses,
242
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and then you get down to the profit or loss
1
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2
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3
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4
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5
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6
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7
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8
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9
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10
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11
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12
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13
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14
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15
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16
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17
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18
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19
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20
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21
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22
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23
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24
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25
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26
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27
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28
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29
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30
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31
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32
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33
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34
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35
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36
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37
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38
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39
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40
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41
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42
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43
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44
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45
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46
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47
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48
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49
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50
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51
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52
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53
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54
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55
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56
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57
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58
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59
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60
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61
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62
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63
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64
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65
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66
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67
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68
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69
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70
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71
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72
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73
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74
00:04:33.639 --> 00:04:37.319
75
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76
00:04:42.680 --> 00:04:46.839
77
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78
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79
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80
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81
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82
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83
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84
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85
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86
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87
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88
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89
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90
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91
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92
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93
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94
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95
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96
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97
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98
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99
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100
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101
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102
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103
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104
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105
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106
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107
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108
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109
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110
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111
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112
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113
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114
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115
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116
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117
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118
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119
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120
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121
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122
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123
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124
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125
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126
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127
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128
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129
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130
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131
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132
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133
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134
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135
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136
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137
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138
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139
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140
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141
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142
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143
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144
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145
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146
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147
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148
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149
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150
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151
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152
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153
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154
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155
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156
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157
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158
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159
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160
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161
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162
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163
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164
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165
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166
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167
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168
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169
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170
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171
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172
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173
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174
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175
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176
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177
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178
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179
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180
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181
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182
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183
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184
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185
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186
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187
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188
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189
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190
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191
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192
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193
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194
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195
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196
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197
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198
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199
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200
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201
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202
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203
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204
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205
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206
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207
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208
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209
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210
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211
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212
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213
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214
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215
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216
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217
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220
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221
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222
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223
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230
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232
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233
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234
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235
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241
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