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This site provides general information related to creating and running a business. The content of this site is for informational purposes only and not for the purpose of providing legal or tax advice or opinions. The contents of this site, and the viewing of the information on this site, should not be construed as, and should not be relied upon for, legal, financial or tax advice in any particular circumstance or fact situation. No action should be taken in reliance on the information contained on this site, and Visa Inc. disclaims all liability in respect to actions taken or not taken based on any or all of the contents of this site to the fullest extent permitted by law. You should contact an attorney to obtain advice with respect to any particular legal or tax issue or problem, including those relating to your current or potential business.

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Budget Rework FAQs

• Monthly reviews: Compare actual vs. budgeted performance and identify variances

• Quarterly adjustments: Update projections based on real performance data

• Annual overhaul: Complete budget rebuild incorporating lessons learned

• Trigger events: Major changes like new contracts, equipment purchases, or staff changes

• Rolling forecasts: Continuously update next 12 months as you complete each month

• Revenue misses: Consistently falling short of sales projections by 10%+

• Expense creep: Variable costs increasing faster than revenue growth

• Cash flow gaps: Negative cash flow periods that could threaten operations

• Margin compression: Profit margins shrinking due to rising costs or pricing pressure

• Unrealistic assumptions: Overly optimistic growth rates or expense reductions that aren't materializing

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FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer.

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Only deposit products are FDIC insured.

 Investment Products are: NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE