November Is Flying By: What Business Owners Should Be Focusing On Before Year-End
Does it feel like November is moving at record speed this year? You’re not alone. For many business owners, this month arrives in a blur of final-quarter goals, holiday planning, and the realisation that year-end is just around the corner. With only a few weeks left in 2025, now is the perfect time to pause, take stock, and make sure your financial affairs are on the right track.
At this time of year, we always see the same pattern: the calendar speeds up, pressure builds, and important financial tasks get pushed aside. But a little proactive planning in November can save you a lot of stress—and potentially money—when January arrives. Here’s what to focus on as the year races toward the finish line.
1. Check In On Your Cash Flow
November is an ideal moment to review your cash position.
Are invoices being paid on time? Do you need to send reminders before the Christmas slowdown begins?
Healthy cash flow now means fewer surprises later.
2. Review Your Profit and Loss for the Year
With ten months of trading behind you, you should have a clear picture of your financial performance. Reviewing your numbers now can help you:
- Spot opportunities to reduce tax
- Identify overspending
- Plan for growth in the new year
A short review with your accountant can reveal quick wins before 31 December.
3. Make the Most of Year-End Tax Planning
As November flies by, so do your remaining opportunities for tax efficiency this year. Now is the time to:
- Consider capital purchases
- Review dividends or salary decisions
- Look at pension contributions
- Use any remaining allowances
These decisions are often time-sensitive, so the earlier you take action, the better your options.
4. Prepare for the Christmas Season Slowdown
Many suppliers and clients slow down from mid-December.
By tackling key administrative and financial tasks in November, you’ll avoid the crunch that often happens when businesses wind down for the festive period.
5. Start Planning for 2026
It’s never too early to look ahead.
Creating or updating your business plan now gives you a strong, focused start in January—while everyone else is still trying to get back into the swing of things.
Final Thoughts
November might feel like it’s disappearing at top speed, but it’s still one of the most valuable months for business planning. A little attention now can set you up for a smooth, stress-free year-end—and a confident start to 2026.
If you’d like help with year-end tax planning, forecasting, or simply getting your finances organised before the holidays, our team is here to support you.