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It is said that large global companies such as Microsoft started in times of economic depression.

According to the wisest man that ever lived, two main ingredients for success are:

  1. Effective planning.
  2. Hard work – implementing the plan.


Questions you must ask yourself:

  1. Do you have a written well thought out documented plan for the next 5 years?
  2. Do you have a written well thought out documented plan for the next 12 months?
  3. Do you have a written well thought out documented plan for this month ahead?
  4. Do you have a written well thought out documented plan for today?
  5. Does your employee (partners) know your plans?
  6. Did your advisors and partners/employees agree to the plans?
  7. Are your employees/ partners aware of what part they must play in the plans?
  8. Have you reviewed last month’s plan and the results looking at why there were variances etc.?
  9. Do you have a written well thought out plan for that new idea?

Effective Planning Involves The Following:

  • Setting realistic objectives and goals coming out of your vision and mission.
  • Looking critically at your assumptions and all the elements in their minute state in terms of projected incomes and expenditure. Being even more critical to pessimistic about incomes.
  • All plans must always involve a documented budget or cash flow projection with clear practical researched assumptions.
  • Get help from an experienced accountant to prepare and document your plan especially for financing.
  • Always review your medium and long term plans every 3 to 6 months.
  • Do not start an idea or function without a written well-researched plan.
  • Try to not allow monthly loan premiums to exceed 40% of the surplus especially for smaller projects.


  • Surround yourself with the right persons for effective and efficient control, decision making, goal setting, and planning.
  • Establish a board of directors (Experienced and knowledgeable advisors).
  • Seek the guidance of experienced professionals which would include a qualified accountant, an investment consultant, a marketing consultant, a human resource consultant, and an IT consultant.
  • Record keeping for reporting and analyzing the financial performance and status of your business constantly.  Be guided by your accountant and IT consultant.
  • Computerized recording and accounting systems are by far the most efficient approach.
  • Computerized systems require proper backups of records and maintenance.
  • Obtain training or assistance in setting effective pricing levels.
  • Operate your business with ethics and good standards

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