Morrison Creed Advisory Limited

31/08/2026

Working for yourself or running your own business? Setup robust systems for expenses & tax requirements so you can focus on your important tasks. We can help take the headaches out of your business accounting.

The Employment Leave Act comes into play from August 2028. Find out what the new annual and sick leave rules mean for your NZ business.

Micromanaging your team can be self-defeating. Let’s explore Steve Jobs’ 10-80-10 approach to people management and the freedom and innovation potential it can bring for your staff.

Our weekly newsletter has an update on the following
• Keeping your tax and expenses in check when you are self-employed
• Employment Leave Act: the impact for annual and sick leave entitlements
• How Steve Jobs 10/80/10 people-management style can help your business

24/08/2026

Reports

Structure

Making time to look over your financial reports each month is an important task for any business owner. We can give you an overview of what reports you'll need to help you build a thriving business.

41% of NZ businesses are thinking of raising prices to combat increased costs. But is an increased price point the silver bullet it appears to be? We explain the pros and cons.

Are you being a Director or a Leader? Director is a strategic role: Leadershp is an operational role. This distinction is key to the success of your business - need help? Get in touch.

Our weekly newsletter has an update on the following
• 6 powerful reasons to watch your financial reports
• Raising your prices: how to do it effectively
• The difference between directing and leading

NEWSLETTER Tips & Advice from Morrison Creed - Reports Structure

10/08/2026

A solid budget is the foundation for your company's financial management and success. Here are 4 detailed strategies to stay in control of your business budgeting.

Are you finding it difficult to raise capital? Here are four key ways to reduce your business risk and improve your chances of accessing funding and capital.

According to Paul Graham, "We'll increasingly be defined by what we say no to". Being clear on your vision, goals and priorities makes it much easier to say no to things that don't contribute to your plan - enabling you to say yes to the right things.

Our weekly newsletter has an update on the following
• Budgeting for success: the importance of good financial management
• Improving your chances of accessing capital
• How to say no if you're a yes person

NEWSLETTER Tips & Advice from Morrison Creed -

03/08/2026

Business
Tax


Want to push your business to the next level? Here's 10 hot questions to ask yourself as a business owner, with advice on how they can drive your growth and success.

It's that time again - the first instalment of Provisional Tax for the 2027 financial year is due on 28 August. Income changed? Worth letting us know so you get your tax right this year.

Cashflow is important for businesses. Cash in the account means more capital to fund day-to-day expenses. Many small business owners report difficulties when it comes to the delay between issuing an invoice and actually getting paid.

Our weekly newsletter has an update on the following
• Ten hot questions to ask yourself as a business owner
• New tax cycle: Provisional Tax due 28 August
• 6 ways to get paid quicker

NEWSLETTER Tips & Advice from Morrison Creed - Business Tax

27/07/2026

The Official Cash Rate (OCR) rose to 2.5% in July 2026. We've outlined the potential benefits and drawbacks of this rise in the OCR and what this means for your business.

As a business owner, how much should you pay yourself? It depends on how much your business can afford, market pay rates, and whether reinvestment could pay dividends.

Are you managing your small business finances based on a static budget? Now may be the time to switch to rolling cashflow forecasting and deeper cash projections.

Our weekly newsletter has an update on the following
• What does a rise in the Official Cash Rate mean for your business?
• How much should you pay yourself?
• Rolling cashflow forecasts: the benefits for your NZ business

NEWSLETTER Tips & Advice from Morrison Creed -

20/07/2026

Management



When was the last time you reviewed your business spending? We suggest 5 key ways to review, manage and mitigate your operational costs and overheads.

Positive cashflow is the beating heart of your business. Dive into our Plain English guide to cashflow and find out how to get in complete control of your cash position.

When used correctly, AI can be a powerful tool , capable of delivering huge efficiency savings to businesses and individuals alike. But, like any tool, AI needs to be used correctly to get the most out of it.

Our weekly newsletter has an update on the following
• When was the last time you reviewed your business spending?
• Plain english guide to cashflow
• AI - ways to boost business efficiency

NEWSLETTER Tips & Advice from Morrison Creed - Management

13/07/2026

Are you making any of these accounting mistakes? We've outlined the top 5 accounting pitfalls that small business owners trip over, so you don't have to make the same mistakes.

Business confidence limped to +10 in the recent ANZ business outlook survey. What can your business do to push forward when business confidence levels are so low.

What are fringe benefits? And what are the tax implications for you, your business and your employees? We give you the overview you need.

Our weekly newsletter has an update on the following
• 5 common accounting mistakes (and how to avoid them)
• How to push forward when business confidence is low
• What are fringe benefits - and what are the tax implications?

NEWSLETTER Tips & Advice from Morrison Creed -

06/07/2026

Accounting

Tax

Accounting tasks don't have to eat into your business time. With the right cloud accounting software and setup, you can save time and money - while also getting tighter control over your finances.

Want to cut unnecessary costs, optimise the most profitable parts of the business, and increase your overall return on investment?

It's that time again - the first instalment of Provisional Tax for the 2027 financial year is due on 28 August. Income changed? Worth letting us know so you get your tax right this year.

Our weekly newsletter has an update on the following
• Save your business time and money using cloud accounting
• How can we support your business profitability?
• New Tax Cycle - Provisional Tax due 28 August

NEWSLETTER Tips & Advice from Morrison Creed - Accounting Profitability Tax

29/06/2026

Structure

Service

Starting a business can be daunting. On top of thinking about sales, marketing, and day-to-day financing, one of the biggest decisions a new business owner has to make is choosing which business structure to use.

Do your sales revenue figures give you a true indication of your profitability as a business? We give you the lowdown on the difference between sales revenue and net profit.

Even with the benefits of AI automation, customers still prefer good, old -fashioned, human customer service to a chatbot. We explain why hiring more people could be good for business.

Our weekly newsletter has an update on the following
• Choosing the right business structure
• Understanding revenue and the true nature of profitability
• Do customers still want good, old-fashioned customer service?

NEWSLETTER Tips & Advice from Morrison Creed - Structure Service

22/06/2026

-Service Coverage Ratio
Costs

Matariki is a time of year to acknowledge the year that has passed, celebrate the present, and plan for the future.

If you're applying for funding, it's sensible to know your Debt-Service Coverage Ratio. But what exactly is a DSCR? And how can you calculate this ratio for your business?

According to a recent survey, 84% of NZ businesses have experienced increased running costs in the past year. We highlight the main drivers and what you can do to mitigate these costs.

Our weekly newsletter has an update on the following
• Matariki: Time for reflection
• What is your Debt-Service Coverage Ratio (DSCR)?
• Managing and minimising your fixed costs

NEWSLETTER Tips & Advice from Morrison Creed - -Service Coverage Ratio Costs