--- title: (21) description: (21) --- [![sr-logo-dark](https://f.hubspotusercontent20.net/hub/275827/hubfs/sr-assets/images/sr-logo@2x.png?width=220&height=50&name=sr-logo@2x.png) ![Wise-Advice-logo-min](https://blog.wiseadvice.co.nz/hs-fs/hubfs/Wise%20Advice_Logo/Wise-Advice-logo-min.png?width=160&height=60&name=Wise-Advice-logo-min.png)](https://www.wiseadvice.co.nz/) [![Wise-Advice-logo-min](https://blog.wiseadvice.co.nz/hs-fs/hubfs/Wise%20Advice_Logo/Wise-Advice-logo-min.png?width=160&height=60&name=Wise-Advice-logo-min.png)](https://www.wiseadvice.co.nz/) - [About us](https://www.wiseadvice.co.nz/about-us) - Industry - [Ecommerce Accounting](https://www.wiseadvice.co.nz/ecommerce-accounting) - [Hospitality Accounting](https://www.wiseadvice.co.nz/hospitality-accounting) - [Professional Services Accounting](https://www.wiseadvice.co.nz/professional-services-accounting) - [Crypto Accounting](https://www.wiseadvice.co.nz/crypto-accountant-nz) - Services & Pricing - [Business Accounting](https://www.wiseadvice.co.nz/business-accounting-package) - [Rental Property Accounting](https://www.wiseadvice.co.nz/rental-property-accounting) - Resource Center - [Business Resource and Tools](https://www.wiseadvice.co.nz/business-resources-and-tools) - [Blog](https://blog.wiseadvice.co.nz/) - [Contact Us](https://www.wiseadvice.co.nz/contact) - [Pukekohe Office](https://www.wiseadvice.co.nz/pukekohe-office) - [About us](https://www.wiseadvice.co.nz/about-us) - Industry - [Ecommerce Accounting](https://www.wiseadvice.co.nz/ecommerce-accounting) - [Hospitality Accounting](https://www.wiseadvice.co.nz/hospitality-accounting) - [Professional Services Accounting](https://www.wiseadvice.co.nz/professional-services-accounting) - [Crypto Accounting](https://www.wiseadvice.co.nz/crypto-accountant-nz) - Services & Pricing - [Business Accounting](https://www.wiseadvice.co.nz/business-accounting-package) - [Rental Property Accounting](https://www.wiseadvice.co.nz/rental-property-accounting) - Resource Center - [Business Resource and Tools](https://www.wiseadvice.co.nz/business-resources-and-tools) - [Blog](https://blog.wiseadvice.co.nz/) - [Contact Us](https://www.wiseadvice.co.nz/contact) - [Contact Us](https://www.wiseadvice.co.nz/contact) - [Pukekohe Office](https://www.wiseadvice.co.nz/pukekohe-office) [Call us now](https://www.wiseadvice.co.nz/tel:0800304040) [Client Login](https://wiseadvice.co.nz.practice.report/) [![](https://blog.wiseadvice.co.nz/hubfs/gray-laptop-computer-showing-calculator-application-with-907487.jpg)](https://blog.wiseadvice.co.nz/technology-toolbox-for-trades) [Technology](https://blog.wiseadvice.co.nz/tag/technology), [software](https://blog.wiseadvice.co.nz/tag/software) ### [Technology toolbox for trades](https://blog.wiseadvice.co.nz/technology-toolbox-for-trades) By [Wise Advice Team](https://blog.wiseadvice.co.nz/author/wise-advice-team) on November 25, 2019 When you run your own trade business, your life involves a lot of long days being on job sites while managing projects, staff and clients. There probably are not enough hours in the week for you to ... [Read More](https://blog.wiseadvice.co.nz/technology-toolbox-for-trades) [![](https://blog.wiseadvice.co.nz/hubfs/personal-money-service-sme-small-business-corporate-loan-product-finance-short-term-merchant-cash-advance-unsecured-working-capital.jpg)](https://blog.wiseadvice.co.nz/is-it-the-right-time-to-take-out-a-business-loan) [small business](https://blog.wiseadvice.co.nz/tag/small-business), [loan](https://blog.wiseadvice.co.nz/tag/loan), [borrow](https://blog.wiseadvice.co.nz/tag/borrow) ### [Is it the right time to take out a business loan?](https://blog.wiseadvice.co.nz/is-it-the-right-time-to-take-out-a-business-loan) By [Wise Advice Team](https://blog.wiseadvice.co.nz/author/wise-advice-team) on November 18, 2019 In the lean, early years of running a business – that crucial time when most startups need capital – qualifying for a loan can be difficult. [Read More](https://blog.wiseadvice.co.nz/is-it-the-right-time-to-take-out-a-business-loan) [![](https://blog.wiseadvice.co.nz/hubfs/person-s-hand-1609512.jpg)](https://blog.wiseadvice.co.nz/4-tips-for-getting-your-business-through-tough-times) [cash flow](https://blog.wiseadvice.co.nz/tag/cash-flow), [Financial Planning](https://blog.wiseadvice.co.nz/tag/financial-planning), [small business](https://blog.wiseadvice.co.nz/tag/small-business) ### [4 Tips for Getting Your Business Through Tough Times](https://blog.wiseadvice.co.nz/4-tips-for-getting-your-business-through-tough-times) By [Wise Advice Team](https://blog.wiseadvice.co.nz/author/wise-advice-team) on November 11, 2019 If you’re a small business owner whose company hasn’t gone through hard times, that’s great but it’s likely to happen at some point. As much as we dream about being brilliant enough at business that ... [Read More](https://blog.wiseadvice.co.nz/4-tips-for-getting-your-business-through-tough-times) [![](https://blog.wiseadvice.co.nz/hubfs/201-2012476_piggy-bank-transparent-background-download-glass-piggy-bank.png)](https://blog.wiseadvice.co.nz/opening-the-books) [Employment](https://blog.wiseadvice.co.nz/tag/employment), [financial report](https://blog.wiseadvice.co.nz/tag/financial-report) ### [Opening the books](https://blog.wiseadvice.co.nz/opening-the-books) By [Wise Advice Team](https://blog.wiseadvice.co.nz/author/wise-advice-team) on November 04, 2019 Should you share your business’ financial performance with employees? There are two schools of thought when it comes to “open book management” – the decision to increase transparency by sharing your ... [Read More](https://blog.wiseadvice.co.nz/opening-the-books) [![](https://blog.wiseadvice.co.nz/hubfs/End-of-Month-Angels_Mistakes.jpg)](https://blog.wiseadvice.co.nz/avoid-these-5-costly-accounting-mistakes-1) [accounting](https://blog.wiseadvice.co.nz/tag/accounting), [improve accounting](https://blog.wiseadvice.co.nz/tag/improve-accounting), [small business accounting](https://blog.wiseadvice.co.nz/tag/small-business-accounting) ### [Avoid These 5 Costly Accounting Mistakes](https://blog.wiseadvice.co.nz/avoid-these-5-costly-accounting-mistakes-1) By [Wise Advice Team](https://blog.wiseadvice.co.nz/author/wise-advice-team) on October 29, 2019 A Canadian bank recently surveyed over 500 small business owners about what they love and hate most about owning their own business. [Read More](https://blog.wiseadvice.co.nz/avoid-these-5-costly-accounting-mistakes-1) [![](https://blog.wiseadvice.co.nz/hubfs/access-blur-colorful-238480.jpg)](https://blog.wiseadvice.co.nz/three-innovative-tips-for-finding-employees) [Employment](https://blog.wiseadvice.co.nz/tag/employment), [Recruitment](https://blog.wiseadvice.co.nz/tag/recruitment) ### [Three innovative tips for finding employees](https://blog.wiseadvice.co.nz/three-innovative-tips-for-finding-employees) By [Wise Advice Team](https://blog.wiseadvice.co.nz/author/wise-advice-team) on October 21, 2019 We all know the usual process for finding new employees. Advertise a job. Read resumes. Conduct a telephone interview. Conduct a face-to-face interview. Choose someone. The steps to recruiting new ... [Read More](https://blog.wiseadvice.co.nz/three-innovative-tips-for-finding-employees) [![](https://blog.wiseadvice.co.nz/hubfs/experts-full-width.jpg)](https://blog.wiseadvice.co.nz/why-hiring-a-bookkeeper-is-a-great-investment) [tax planning](https://blog.wiseadvice.co.nz/tag/tax-planning), [xero](https://blog.wiseadvice.co.nz/tag/xero), [bookkeeping](https://blog.wiseadvice.co.nz/tag/bookkeeping), [goal](https://blog.wiseadvice.co.nz/tag/goal) ### [Why hiring a bookkeeper is a great investment](https://blog.wiseadvice.co.nz/why-hiring-a-bookkeeper-is-a-great-investment) By [Wise Advice Team](https://blog.wiseadvice.co.nz/author/wise-advice-team) on October 14, 2019 As a small business owner, you’re likely concerned about every penny you spend. That’s a good thing, because you need to keep track of your income and expenses. It also means, however, that you might ... [Read More](https://blog.wiseadvice.co.nz/why-hiring-a-bookkeeper-is-a-great-investment) [![](https://blog.wiseadvice.co.nz/hubfs/agenda-concept-development-7376.jpg)](https://blog.wiseadvice.co.nz/how-to-get-your-life-back-in-a-seven-day-a-week-business) [leadership](https://blog.wiseadvice.co.nz/tag/leadership), [Productivity](https://blog.wiseadvice.co.nz/tag/productivity), [success](https://blog.wiseadvice.co.nz/tag/success), [Wise Advice](https://blog.wiseadvice.co.nz/tag/wise-advice-2) ### [How to get your life back in a seven-day-a-week business](https://blog.wiseadvice.co.nz/how-to-get-your-life-back-in-a-seven-day-a-week-business) By [Wise Advice Team](https://blog.wiseadvice.co.nz/author/wise-advice-team) on October 07, 2019 Small business owners already have a difficult and time-consuming job running their business. If their business is open five days a week, they usually need the weekend to catch up on paperwork, pay ... [Read More](https://blog.wiseadvice.co.nz/how-to-get-your-life-back-in-a-seven-day-a-week-business) [![](https://blog.wiseadvice.co.nz/hubfs/arrow-blond-hair-chess-pieces-1406360.jpg)](https://blog.wiseadvice.co.nz/using-smart-goals-to-achieve-more) [Financial Planning](https://blog.wiseadvice.co.nz/tag/financial-planning), [goal](https://blog.wiseadvice.co.nz/tag/goal) ### [Using Smart Goals to Achieve More](https://blog.wiseadvice.co.nz/using-smart-goals-to-achieve-more) By [Wise Advice Team](https://blog.wiseadvice.co.nz/author/wise-advice-team) on September 30, 2019 As a small business owner, you’re likely always looking for ways to achieve more. Maybe you made a New Year’s resolution about it. You might have resolved to make more money, find more clients, or ... [Read More](https://blog.wiseadvice.co.nz/using-smart-goals-to-achieve-more) [![](https://blog.wiseadvice.co.nz/hubfs/b41210b80df3c5e90b043b62eda2f076w-c0xd-w685_h860_q80.jpg)](https://blog.wiseadvice.co.nz/what-are-the-hidden-costs-of-buying-a-house) [investment property](https://blog.wiseadvice.co.nz/tag/investment-property), [property sale](https://blog.wiseadvice.co.nz/tag/property-sale) ### [What are the hidden costs of buying a house?](https://blog.wiseadvice.co.nz/what-are-the-hidden-costs-of-buying-a-house) By [Wise Advice Team](https://blog.wiseadvice.co.nz/author/wise-advice-team) on September 23, 2019 A word to the wise if you’re shopping for a new home: the list price is only a baseline. You’ll want to have a substantial buffer in your budget for a host of additional unseen fees. 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