debt

Pay Right and in Time, but Don’t Pay Twice

Jorge Ruiz Fernández

September 24, 2025

Imagine that you run a department like Accounts Payable. You hire more or less the right number of people. They focus on processing invoices. You pay suppliers more or less in time. From time to time minor issues occur, but your suppliers are happy in general. Time later, the company, like any other business, goes…

accounting, bad debt, budget, business, Business Adivce, business goals, business proceses, cash flow, cost control, customer service, expenses, financial literacy, freelancer, goals, key performance indicators, pricing strategy, Profit and Loss

accounting, assets, budget, budgeting, business, business advice, business processes, classification, cost control, debt, expenditure, finance, financial knowledge, financial literacy, financial-management, habits, management consultancy, profit or loss, quality, targets, taxes
Revenues and Costs, Some Aspects

Jorge Ruiz Fernández

September 6, 2023

I’ve been living abroad for a while, as many people are doing these days. A common topic of discussion among expats is the salary you can earn in a certain country. It is funny to see people who move to countries like the United Kingdom, the Netherlands or Germany to find not only opportunities but…

accounting, budget, business, cash flow, cost control, expenses, financial literacy, investments, kpi, risk and return

accounting, business, business advice, cost control, cost reduction, debt, expenditure, expenses, finance, gearing, investment, knowledge, profit or loss
Understanding bad expenses and bad debt

Jorge Ruiz Fernández

May 3, 2023

Thanks to the earnings of our company, we may have the desire to buy something that makes us feel good. Maybe a new car or a house, because our family is growing, or that fancy mobile phone that takes high quality pictures and go on holidays to the most remote location on Earth. Sometimes, when…

bad debt, budget, Business Adivce, cost control, expenses

accounting, budget, business, business advice, classification, compound interest, cost control, debt, expenditure, expenses, finance, gearing, investment, knowledge, loan, profit or loss
Compound interest

Jorge Ruiz Fernández

April 19, 2023

When we’re watching or reading the news, we often hear about inflation hitting -once again- the consumer price index and increasing the cost of living. Also, when we ask for a loan, we need to pay a certain interest for it. If we own some stocks or government bonds, we might receive also a percentage…

accounting, Business Adivce, cost control, expenses

compound interest, credit card, debt, dividends, investment, loan, stock

debt

Pay Right and in Time, but Don’t Pay Twice

Revenues and Costs, Some Aspects

Understanding bad expenses and bad debt

Compound interest