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How to Help Your Summer Business Survive the Winter Months

Tips for Making Seasonal Income Last All Year Long

Summer businessSeasonal businesses face different challenges than conventional businesses that offer year-round products or services. These types of companies must survive a full year on whatever income they can generate during the four or five months that their businesses are in bloom.

Summer businesses like ice cream stands, surf shops, and landscaping companies are best suited for warm weather locations, because they are able to provide their services year-round. But in the event that the business is located in a colder climate, like the north-eastern part of the United States, then certain considerations need to be made in order to keep the company profitable. Here are some budgeting tips to help your summer business make it through the long, cold winter months.

Determine Your Average Monthly Income

Summer businesses make the majority, if not all of their income during the summer months, so you will have to determine how much money that allots to across the 12 months of the year. In other words, take your last year’s income tally and divide that number by twelve. This will be your average monthly income (even though the money is not coming in during most of those months).

Determine Your Monthly Expenses

Some summer businesses only have operating expenses during the summer months, but others still have to pay for marketing, utilities, and other expenses, even though the company is not operating at full capacity. Follow the same principle as above and determine how much your monthly expenses average out to be.

How to Protect Against Income Shortfalls

Whenever your business earns more than your monthly income average, take two-thirds of the overage and deposit into a savings account. This will be your shortfall account; the funds that get deposited into this account will help protect your business during those months where your income falls below your average monthly income.

Making this practice a part of your financial management practice will help protect your business during the slower months as well as your business credit, because you will have the funds available to meet your monthly debt obligations.

Reduce Spending and Buckle Down

One of the most important things a summer business needs to do to survive the off season is to manage its finances wisely. This means carefully examining the business’s wants versus its needs. Reducing spending by getting rid of non-essential expenses will not only help your business during the off season, but it will maximize the amount of money that can be deposited into its shortfall savings account.

Dave Donovan


Dave Donovan has written extensively for the web with a primary focus on articles targeting finance and business.