Need to know topical point of views and opinions - is your message being understood? SME Business Budgets - we can also refer you to personal websites which will give you free information on how to look after your own budget, you start with looking at all the dull facts and checking to see if your on target each day, then weekly until your on your way... What are your goals, personal or for your job - what tools do you use to check your figures are on target? Ideas, pricing and a print brokering option to get your job done want to write your own book? How do you get it published in New Zealand - here are the options... Why the website?

Hourly charges:

Websites from $3200, Editing Manuscripts $32, Online PA, catalogues...

    NZ exchange rate from $32ph for marketing


Phone: +64 2 111 4 22 88
email, skype.


"But can I afford this luxury long term, what will I have to leave on the shelf at Christmas if I buy this now? Our hourly rates are from NZ$75 an hour for corporate rebrands or NZ$32ph for residential insurance assistance or 10% commission, with corporate's we allow payments over 12 months - conditions apply so what have you to lose for a free quote?

Personal Budgets:

The NZ Herald states "Pak'nSave is no longer the undisputed home of cheap food."

We tell you to shop around, never impulse buy and we know you know this.

We tell you to rationalise each purchase - you know the difference between need and want.

We know, you know; we know: we can all do better. So what! We all treat ourselves.

Why do we allow other people to use our money when it is owed to us? Christchurch currently is dealing with an economical factor of insurance loss. We have a lack of growth in our town whilst we suck it in and see who is going to be made redundant next. We are owed thousands of dollars and do nothing waiting for our payout's. Enough!

Email me if you want to have action on your claim.

Other personal website's that deal with money matters and mortgages:

Business Budgets:

Marketing Budgets should be allocated seasonally based on 5 years of statistics.

If you do not have any records going back this far, we can input the figures you do have and extrapolate them.

At the same time we must do two more things

  1 Business Health Check
  2 Profit Analysis

International Market Trends per your industry

  1. Contact me for help

Most common mistake? Don't forget to add in fuel costs

An item will cost various amounts to get it sold.
Overhead's such as wintre warmth, coffee and staff
security should all be taken into consideration!

If you have staff do they collect their work cars from work or drive them home and use them in the weekends, during wintre how long do they have them in idle whilst the frost burns off the windscreen before they care to leave the house? Ouch ten minutes? More?

An average advertising spend for the Fast Moving Consumer Goods Market (“FMCG”) is around 8-10% of sales. That isan average SME in New Zealand.

If you wish to know about the offshore money trends:
Pharmaceutical companies spend around 20%.

Things that will go wrong - if you use a percentage and your sales
decline - you will advertise less and earn less.

If you need to attribute specific areas of your business - for instance new products you will need to map out your results in a structured and orderly manor.

  • Numbers of enquiries received must quote a restricted "special" code Increase the use of a particular phone number

  • Number of viewers, listeners or readers reached by the campaign

  • Account code each campaign - I don't really care if you have 80 campaigns each year - we can chart your growth if your books reflect your interest!

--The IT budget as a percentage of sales averaged 3.5%
Hardware / Servers / Storage / Software, Networking / Security / Staff /  Out Sourcing.


- costs are in NZ dollars with no tax for offshore accounts (I am based in New Zealand).
Phone +64 2111 4 22 88

Copyright to Intellectual Property Rights are all attributed to Karen Wisse 2015