Financial Strategies for Small Businesses as the Year Begins.

Lukho Mkwedi Phuthi welcomes Blessing Ndabula back for the financial segment on "Financial Strategies for Small Businesses as the Year Begins." Ndabula continues with practical tips, stressing control of fixed costs—rent, salaries, utilities—through renegotiation, energy efficiency, or outsourcing to boost cash flow early in 2026. She advises tracking variable expenses, prioritizing high-ROI activities, and building a 3-6 month emergency fund amid South Africa's economic shifts for sustainable growth. These steps empower small business owners to navigate challenges with discipline and foresight. Heart to Heart