Margin Notes
Working notes on where operational money hides, with the arithmetic left in. If you want to run any of it yourself, everything you need is on the page.
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3 fields decide what you pay to take a card
Mastercard publishes 2 rates for the same small business card, 0.75 of a point apart. Which one you get is decided by whether your checkout sent a sales tax amount, an invoice number and a customer reference. On an illustrative distributor putting $2,310,000 a year on business cards, that is $17,325.
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Reading 4,000 line items is the easy half
A machine can sort a year of spend by function in under a minute. It never gets bored on row 3,000, and it hands back a confident number that is wrong in 3 predictable ways. Here is how the work actually splits, and which half you can run yourself this week.
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What does software really cost a 20-person consulting practice?
A prospective-client question becomes a practical benchmark for reviewing the 5 per-seat software lines that can steadily expand a 20-person consulting practice costs.
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The 15-Point Software Audit Checklist for 20-to-200-Person Companies
A practical 15-point checklist for finding unused SaaS, renewal risk, duplicate tools, and replacement opportunities without disrupting core systems.
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You do not have a software spending problem
You have a sorting problem. Every list of what a company pays for arrives sorted by supplier. Sort it by what each thing does instead and the duplicates show up in 20 minutes. In an illustrative 60-person distributor that is $10,020 a year, and the renewal calendar behind it is worth more.
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How a 45-Person Tech Firm Could Recover $42,000 in Annual Margin Without Downgrading Its Software
A practical keep, cancel, or swap framework for identifying SaaS waste, costing replacement risk, and recovering operating margin.
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Your office types the same order 3 times
Nobody decided this. It happened 1 system at a time, and every purchase was sensible on the day it was made. Here is how to count what it costs, with the arithmetic, so you can run it without us.
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Your software never checks the carrier invoice
There is a folder in your accounting system with hundreds of carrier invoices in it. Every one was approved. Not one was read. Here is the check, and the arithmetic, so you can run it without us.