BEGIN:VCALENDAR VERSION:2.0 PRODID:-//Eventin//Event Calendar//EN CALSCALE:GREGORIAN METHOD:PUBLISH BEGIN:VEVENT UID:5da2987c73804a9cda76add9bfe9f36b@roc.ph SUMMARY:Budget Planning For Small Businesses DESCRIPTION:Category: Small Business Finance\, Financial Management & Cash Flow OptimizationSubcategory: Operational Budgeting\, Expense Forecasting\, Cash Flow Control & Profit Margin Engineering📊 Budget Planning For Smal l Businesses: Stop Guessing Your Cash Flow\, Master Financial Forecasting\, and Build a Bulletproof Profit PlanMaster Zero-Based Budgeting\, Cash Flow Projections\, Fixed vs. Variable Cost Controls\, Working Capital Reserves\ , and Financial Forecasting for MSMEsDate: 📅 December 18\, 2026 (Friday) Time: ⏰ 2:00 PM – 3:00 PM (Asia/Manila)Location: 📍 Live via Google M eet💡 Are You Operating Your Small Business Month-to-Month Without a Budg et\, Constantly Stressed Over Cash Flow Surprises?For many small business o wners\, retail operators\, and service founders\, budgeting feels like an a dministrative chore pushed to the bottom of the to-do list. As a result\, b usinesses often operate in a reactive state—spending without clear visibi lity\, scrambling to cover payroll during slow months\, and wondering where all the revenue went despite strong sales. Without a structured budget and financial forecast\, your business is flying blind\, highly vulnerable to economic shifts\, unexpected expenses\, and cash crunches.What if you could master a simple\, proactive budgeting framework that guarantees financial visibility\, protects your profit margins\, and drives predictable growth?A re you struggling with unpredictable cash flow\, expense creep\, and financ ial uncertainty?❌ The "Surprise Cash Crunch" Trap: Having strong monthly sales on paper but suddenly running out of cash to cover taxes\, supplier b ills\, or payroll❌ Uncontrolled Expense Creep: Watching overhead costs gr adually inflate over time without checking whether those expenses actually drive revenue❌ Zero Financial Runway: Operating with little to no emergen cy cash buffer\, leaving your business one delayed client payment away from a crisis❌ Guesswork Pricing: Setting product or service prices based on gut feel rather than accurate cost-of-goods and overhead calculationsThe Go al: Equip small business owners\, entrepreneurs\, and managers with practic al\, stress-free frameworks to build\, manage\, and execute a profitable bu siness budget.🔥 What You’ll LearnThe Small Business Budgeting Blueprin tHow to structure a clean\, realistic operating budget separating fixed ove rhead\, variable costs\, and target profitMastering Cash Flow ProjectionsFo recasting cash inflows and outflows months in advance so you never get caug ht off guard by slow seasons or delayed receivablesZero-Based Budgeting for Lean OperationsHow to evaluate every business expense from scratch to elim inate waste\, slash unnecessary overhead\, and reallocate funds to growth c hannelsCalculating True Margins & Break-Even PointsKnowing your exact numbe rs so you can price products and services profitably and calculate how many sales you need to cover all costsBuilding Working Capital & Emergency Rese rvesEstablishing a healthy financial safety net and cash buffer to protect your business against economic volatilityEstablishing a 20-Minute Monthly R eview RoutineSimple\, repeatable habits to compare actual spending against your budget and make swift operational adjustments🎯 Who Should Attend? ✔ Small Business Owners & Store Founders wanting to take control of their finances and eliminate cash flow stress✔ Startup Entrepreneurs & Solopre neurs needing a structured financial model to manage early capital efficien tly✔ Local Retailers & Service Providers looking to optimize operating co sts and improve net profit margins✔ Freelancers & Agency Owners scaling f rom freelance work to a structured business model with predictable overhead ✔ Operations Managers responsible for departmental spending\, resource al location\, and financial reporting🎟️ Ticket TiersTicket TypeSuper Earl y Bird (Until Dec 04)Early Bird (Dec 05 – Dec 11)Regular Rate (Dec 12 – Dec 17)What’s IncludedRegular Pass₱300₱400₱500📍 Live Google Mee t Access📜 Professional Proof: e-Certificate of ParticipationRegular Pass (50% Off)(Student / Senior / PWD)₱150₱200₱250📍 Live Google Meet A ccess📜 Professional Proof: e-Certificate of ParticipationVIP Pass₱500 ₱800₱1\,000📍 Live Google Meet Access🎥 Full Course Recording Acces s📜 Full Skill Credential: e-Certificate of CompletionVIP Pass (50% Off)( Student / Senior / PWD)₱250₱400₱500📍 Live Google Meet Access🎥 F ull Course Recording Access📜 Full Skill Credential: e-Certificate of Com pletion🎓 Special Discounts VerificationTo claim the 50% discount rates a bove\, eligible participants must submit verification using the correspondi ng scholarship/discount application links:👴 Senior Citizens: https://roc .ph/scholarships/seniorcitizen/🎓 Students: https://roc.ph/scholarships/s tudent/♿ PWD: https://roc.ph/scholarships/pwd/⚠️ Note: Limited slots available to ensure an interactive Q&A session. Reserve yours early!📌 Se cure Your Slot Now🔗 Register Here: https://roc.ph/event/budget-planning- for-small-businesses/Missed the live event? Avail our Online Full Access (e -recording & e-certificate) at: https://roc.ph/service/budget-planning-for- small-businesses💬 “A budget isn't just a restriction—it's a roadmap for your business's freedom and profitability. Take control of your numbers and build for growth.”Upcoming Webinars: roc.ph/webinarsRecorded Webinar s: https://www.roc.ph/coursesWebinar Policy: roc.ph/policy/webinar/Privacy Policy: https://roc.ph/policy/privacy/ LOCATION:Online DTSTAMP:20261105T133211Z DTSTART:20261218T060000Z DTEND:20261218T070000Z END:VEVENT END:VCALENDAR