Business Plan

Taking the Plunge

So, you’ve decided to be your own boss. Congratulations – seriously. People become self-employed at different stages in life, for different reasons. Some people are born entrepreneurs, who can’t imagine how terrible it would be to have a boss. For...

All I Need To Know I Learned In Grade School

Lessons in Pricing & Cash Management from a Grade School Market A few weeks ago my son Christopher’s class held a Christmas market.  Each student had to decide what they were going to sell and then make/build or create the item.  Things for sale...

From Zero to (Xero) Hero: Own your numbers!

From Zero to (Xero) Hero: Own your numbers! At Hawkins & Co., we’re proud to work with many young or start-up companies. We’re also proud to work with the Small Business Centre windsoressexsmallbusiness.com, a division of the WindsorEssex Economic...

Debt: The sequel

OK, so last time we covered why businesses may use debt – and for what purpose. So far, so good. But we didn’t talk about anything practical. Let’s deal with that. Starting with: Where do I get the money from? Well, that will depend on your circumstances....

The things I wouldn’t do if I waited for them to be perfect

I lived by the 80/20 rule long before I understood what it was. I used to think of myself as lazy and then I learned about the Pareto Principle which states that “roughly 80% of the effects come from 20% of the causes” (Wikipedia). I now consciously...