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I would suggest the following. a. Spend Analysis - Even if a detailed spend analysis is not possible, an analysis of which vendors are used, whether they offer discounts or subsidies to small businesses, the nature of materials used and whether the business could do with a less expensive cost.b. Have a chartered accountant look at and analyse your personnel, infra and communication costs. Look for unnecessary and hidden costs which disappear as general expenses and keep a keen eye on the depreciation of assets.That being said, let s answer your questions. 1. See if the health insurance company will give you cheaper insurance without a loss in cover if you and several other businesses approach them together. The logic is that if you give them more customers together, they give you a discount. Does your insurance company have special rates for small business? This is one for the lawyers: Are there laws which govern insurance cover for small businesses? Knowledge of them could be critical in obtaining cheaper health cover. Also check if the insurance you choose can be custom fit to your needs. 2. For tax problems, I have simple advice. KNOW THE LAW. If you are able to get legal advice, do so. A good lawyer and accountant can identify tax-saving practices for you. 3. I m not sure what you mean here, so I assume you mean gasoline expenses. If you re spending a lot on gas every month, analyse the reason. Is it routes which need replan? Or perhaps cheaper fuel may be obtained if you can share services with other small businesses.
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