{"id":17801,"date":"2026-04-09T12:47:56","date_gmt":"2026-04-09T11:47:56","guid":{"rendered":"https:\/\/www.sage.com\/en-ie\/blog\/?p=17801"},"modified":"2026-04-09T12:47:58","modified_gmt":"2026-04-09T11:47:58","slug":"cash-flow-problems","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-ie\/blog\/cash-flow-problems\/","title":{"rendered":"Common cash flow problems and how to solve them"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--standard entry-header--has-illustration entry-header--has-illustration--standard\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-ie\/blog\/category\/money-matters\/\" class=\"entry-header__link\">Money Matters<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tCommon cash flow problems and how to solve them\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\tDiscover common causes of cash flow problems and practical ways to address them to support your business\u2019s financial stability.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-04-09T12:47:56+01:00\">9 April, 2026<\/time><\/span><span class=\"reading-time\"> min read<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"Common cash flow problems and how to solve them\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-ie\/blog\/cash-flow-problems\/\"\n\t\t\tdata-share-text=\"Please read this interesting article\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Share<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copy Link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copied<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/en-ie\/blog\/author\/laurencematone\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2026\/04\/Profile_LM-350x350.jpeg\" class=\"entry-author__image\" alt=\"Laurence Matone\" \/>\t\t\t\t<span class=\"entry-author__name\">Laurence Matone<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p>Whether you\u2019re a small business owner or part of a bigger team managing the books, you\u2019ll understand how important it is to maintain steady cash flow.<\/p>\n\n\n\n<p>Even profitable businesses can hit a wall if there\u2019s not enough cash on hand to cover day-to-day expenses.<\/p>\n\n\n\n<p>If you\u2019ve ever felt the pressure of making payroll or covering supplier payments, you\u2019re not alone.<\/p>\n\n\n\n<p>This guide explores the most common cash flow problems and solutions so you can tackle financial challenges and keep your business operating effectively.<\/p>\n\n\n\n<p><strong>Here\u2019s what we cover:<\/strong><\/p>\n\n\n<?xml encoding=\"utf-8\" ?><div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><ul><li><a href=\"#h-what-are-cash-flow-problems\" data-level=\"2\">What are cash flow problems?<\/a><\/li><li><a href=\"#h-importance-of-positive-cash-flow\" data-level=\"2\">Importance of positive cash flow<\/a><\/li><li><a href=\"#h-common-causes-of-cash-flow-problems\" data-level=\"2\">Common causes of cash flow problems<\/a><\/li><li><a href=\"#h-solutions-to-cash-flow-problems\" data-level=\"2\">Solutions to cash flow problems<\/a><\/li><li><a href=\"#h-additional-ways-to-improve-cash-flow\" data-level=\"2\">Additional ways to improve cash flow<\/a><\/li><li><a href=\"#h-preventing-cash-flow-problems-before-they-start\" data-level=\"2\">Preventing cash flow problems before they start<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-cash-flow-problems\"><strong>What are cash flow problems?<\/strong><\/h2>\n\n\n\n<p>Cash flow problems arise when outgoings exceed income, or when cash doesn\u2019t arrive in time to meet short-term obligations.<\/p>\n\n\n\n<p>It\u2019s not just about profitability\u2014your business may appear successful on paper but still face financial pressure without sufficient accessible cash. <\/p>\n\n\n\n<p>Effective cash flow management enables organisations to meet payments, invest in growth, and maintain operational stability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-importance-of-positive-cash-flow\"><strong>Importance of positive cash flow<\/strong><\/h2>\n\n\n\n<p>Whilst profit often takes centre stage in business discussions, positive cash flow is equally critical for day-to-day operations.<\/p>\n\n\n\n<p>A company can show a paper profit yet still struggle financially if cash isn\u2019t flowing in when needed. In the long run, poor cash flow management\u2014not a lack of profitability\u2014is a common contributor to business failure.<\/p>\n\n\n\n<p>Take the manufacturing industry as an example.<\/p>\n\n\n\n<p>Imagine an automotive parts company that sells products at a healthy profit. The challenge? It operates within a long supply chain.<\/p>\n\n\n\n<p>Wholesale customers may take 60 or even 90 days to settle their invoices, but suppliers expect payment upon delivery or within two weeks.<\/p>\n\n\n\n<p>Even with strong sales, this mismatch in payment timing can seriously strain the business\u2019s cash position.<\/p>\n\n\n\n<p>The result?<\/p>\n\n\n\n<p>A profitable company cannot pay its suppliers, meet payroll, or cover day-to-day expenses.<\/p>\n\n\n\n<p>This is a classic cash flow crisis\u2014and one that can easily derail operations if not managed proactively.<\/p>\n\n\n\n<p>In another scenario, a company might see increased cash inflow from growing sales.<\/p>\n\n\n\n<p>Still, profitability can erode if it overspends on overheads or takes on too much debt to bridge temporary cash shortages.<\/p>\n\n\n\n<p>Take the example of construction firm Carillion\u2014a company that relied heavily on borrowing to manage cash flow gaps.<\/p>\n\n\n\n<p>Over time, rising debt costs exceeded earnings, and despite ongoing projects, the business ultimately collapsed following severe cash flow and debt pressures.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-common-causes-of-cash-flow-problems\"><strong>Common causes of cash flow problems<\/strong><\/h2>\n\n\n\n<p>The first step towards maintaining a healthy cash flow is understanding where things can go wrong.<\/p>\n\n\n\n<p>Here\u2019s a breakdown of the most common causes behind cash flow issues:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-lack-of-cash-reserves\"><strong>Lack of cash reserves<\/strong><\/h3>\n\n\n\n<p>Operating without a financial buffer can increase the risk of cash flow problems.<\/p>\n\n\n\n<p>It might seem fine when everything\u2019s going smoothly, but the moment something unexpected happens\u2014a broken piece of equipment, a missed client payment, or a dip in sales\u2014your business may face financial pressure. <\/p>\n\n\n\n<p>Without cash reserves, there\u2019s nothing to fall back on when you need it most.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-delayed-customer-payments\"><strong>Delayed customer payments<\/strong><\/h3>\n\n\n\n<p>Late client payments are a common and significant cause of cash flow problems.<\/p>\n\n\n\n<p>Even after goods or services have been provided, outstanding invoices can leave your business without the funds it needs to operate smoothly.<\/p>\n\n\n\n<p>When payments are postponed for 30, 60, or even 90 days, your cash position weakens\u2014even though the revenue is technically earned.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-over-investment-in-inventory\"><strong>Over-investment in inventory<\/strong><\/h3>\n\n\n\n<p>It\u2019s true\u2014your business needs stock to make sales.<\/p>\n\n\n\n<p>But having too much inventory sitting in storage can tie up valuable cash.<\/p>\n\n\n\n<p>Overordering or misjudging demand often leads to large amounts locked away in unsold goods, whilst your team may need to manage short-term funding pressures.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-unexpected-expenses\"><strong>Unexpected expenses<\/strong><\/h3>\n\n\n\n<p>A sudden repair, legal fee, or supply chain disruption can take a significant bite out of your business budget.<\/p>\n\n\n\n<p>If you\u2019re unprepared, these surprises can quickly disrupt your cash flow planning.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-poor-financial-planning\"><strong>Poor financial planning<\/strong><\/h3>\n\n\n\n<p>Operating without a clear budget or accurate financial forecasts limits financial visibility and planning.<\/p>\n\n\n\n<p>If you don\u2019t know what\u2019s coming in or going out, it\u2019s nearly impossible to make confident, informed decisions.<\/p>\n\n\n\n<p>Poor planning can lead to overspending, missed opportunities, and\u2014ultimately\u2014cash flow problems that could have been avoided.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-costly-financing\"><strong>Costly financing<\/strong><\/h3>\n\n\n\n<p>High-interest loans or credit lines with steep repayment terms can drain your cash reserves quickly.<\/p>\n\n\n\n<p>Borrowing is not inherently negative\u2014but can create financial strain if your revenue drops.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rapid-unmanaged-growth\"><strong>Rapid, unmanaged growth<\/strong><\/h3>\n\n\n\n<p>While it might seem counterintuitive, growing too quickly can lead to serious cash flow challenges.<\/p>\n\n\n\n<p>Scaling your business often means taking on higher payroll costs, increased inventory, and greater overhead.<\/p>\n\n\n\n<p>If your revenue doesn\u2019t grow at the same pace, your cash flow can take a hit\u2014creating pressure on working capital.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-drop-in-sales-and-profitability\"><strong>Drop in sales and profitability<\/strong><\/h3>\n\n\n\n<p>A decline in sales or shrinking profit margins can quickly impact your cash flow.<\/p>\n\n\n\n<p>When revenue drops but expenses stay the same\u2014or even increase\u2014it becomes harder to cover your operating costs.<\/p>\n\n\n\n<p>Seasonal slowdowns, market shifts, or increased competition can all contribute to this issue.<\/p>\n\n\n\n<p>Without adjustments to spending or strategy, a drop in profitability can leave your business short on the cash it needs to function smoothly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-solutions-to-cash-flow-problems\"><strong>Solutions to cash flow problems<\/strong><\/h2>\n\n\n\n<p>Continue reading for some practical strategies that can help improve cash flow and support business operations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-establish-a-cash-reserve\"><strong>Establish a cash reserve<\/strong><\/h3>\n\n\n\n<p>A cash reserve acts as a financial safety net for your business.<\/p>\n\n\n\n<p>It doesn\u2019t need to be massive right away\u2014even small monthly contributions can add up over time and help you weather unexpected challenges like equipment breakdowns or a sudden drop in sales.<\/p>\n\n\n\n<p>For example, if you set aside just \u00a3400 each month, you\u2019ll have \u00a34,800 by the end of the year.<\/p>\n\n\n\n<p>This can contribute towards covering one to three months of operating expenses, depending on your overhead.<\/p>\n\n\n\n<p>Typically, businesses aim for at least three months\u2019 worth of expenses in reserve to give their accounting teams greater flexibility.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-implement-efficient-invoicing-systems\"><strong>Implement efficient invoicing systems<\/strong><\/h3>\n\n\n\n<p>One of the most effective ways to reduce delayed customer payments is by improving your invoicing process.<\/p>\n\n\n\n<p>Getting paid on time starts with how\u2014and when\u2014you send your invoices.<\/p>\n\n\n\n<p>If you\u2019re still manually creating and emailing them, it might be time for an upgrade.<\/p>\n\n\n\n<p>Using accounting software can help automate your invoicing, send timely payment reminders, and track outstanding balances.<\/p>\n\n\n\n<p>These features make it easier to follow up and encourage faster payments.<\/p>\n\n\n\n<p>For example, if you complete a project on the 1st of the month but wait until the 10th to invoice the client, that\u2019s 10 days of potential cash flow lost.<\/p>\n\n\n\n<p>With automation, your client receives the invoice immediately, increasing the chances of getting paid on time and improving your cash position.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-negotiate-favourable-payment-terms\"><strong>Negotiate favourable payment terms<\/strong><\/h3>\n\n\n\n<p>Another approach to solve delayed customer payments is to renegotiate payment terms.<\/p>\n\n\n\n<p>Organisations do not always need to accept standard terms.<\/p>\n\n\n\n<p>Talk to your suppliers about extending payment deadlines\u2014from net 15 to net 30\u2014so you can hold onto your cash longer.<\/p>\n\n\n\n<p>At the same time, work with your clients to speed up incoming payments, possibly by offering early payment discounts.<\/p>\n\n\n\n<p>For instance, if your supplier agrees to let you pay in 30 days instead of 15, and your client pays in 20 days, you\u2019ve created a 10-day cash flow buffer.<\/p>\n\n\n\n<p>That breathing room can significantly reduce the pressure caused by late payments.<\/p>\n\n\n\n<p>Even minor adjustments in timing can have a big impact on managing your customer payments and improving overall cash flow.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-improve-inventory-management-practices\"><strong>Improve inventory management practices<\/strong><\/h3>\n\n\n\n<p>To avoid cash flow issues caused by overstocking, taking a more strategic approach to inventory management can help.<\/p>\n\n\n\n<p>Start by regularly reviewing your sales data to forecast demand better and adjust your purchasing accordingly.<\/p>\n\n\n\n<p>This helps you avoid tying up cash in stock that sits on shelves for weeks or months.<\/p>\n\n\n\n<p>Consider using inventory management software that tracks stock levels in real time and alerts you when it\u2019s time to reorder\u2014no more guesswork.<\/p>\n\n\n\n<p>You can also explore Just-In-Time (JIT) inventory models, which minimise storage costs and free up cash by only ordering what you need when you need it.<\/p>\n\n\n\n<p>For example, instead of placing a large bulk order for seasonal products that may not sell, break it into smaller shipments based on customer demand.<\/p>\n\n\n\n<p>This way, you\u2019re not tying up significant working capital in inventory and can maintain a healthier cash flow.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-accurate-budgeting-and-forecasting\"><strong>Accurate budgeting and forecasting<\/strong><\/h3>\n\n\n\n<p>An effective way to avoid cash flow surprises is to build a clear, detailed budget and regularly forecast your finances.<\/p>\n\n\n\n<p>This gives you a better view of what\u2019s coming in, what\u2019s going out, and where potential gaps or risks might arise.<\/p>\n\n\n\n<p>A strong budget helps you allocate resources wisely, avoid overspending, and prepare for essential costs.<\/p>\n\n\n\n<p>Meanwhile, forecasting allows you to anticipate future cash flow based on sales trends, seasonal shifts, and market changes\u2014so you\u2019re not caught off guard.<\/p>\n\n\n\n<p>For example, if your forecast predicts a slow sales month, you can proactively delay non-essential purchases, build up cash reserves, or tighten payment terms with clients to stay ahead of the curve.<\/p>\n\n\n\n<p>Additionally, budgeting for contingencies\u2014like emergency repairs or legal fees\u2014ensures you have a buffer when the unexpected hits.<\/p>\n\n\n\n<p>With accurate planning, your team can make more informed decisions, reduce financial pressure, and maintain steady cash flow even in uncertain times.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-choose-low-cost-flexible-financing-options\"><strong>Choose low-cost, flexible financing options<\/strong><\/h3>\n\n\n\n<p>Financing structures vary\u2014so it\u2019s essential to explore options that support your cash flow rather than strain it.<\/p>\n\n\n\n<p>Look for loans or credit lines with lower interest rates, flexible repayment terms, and minimal fees.<\/p>\n\n\n\n<p>Building a good credit history can also help you qualify for more favourable terms in the future.<\/p>\n\n\n\n<p>If you already have high-interest debt, consider refinancing or consolidating to reduce your repayment burden.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-manage-growth-with-strategic-planning\"><strong>Manage growth with strategic planning<\/strong><\/h3>\n\n\n\n<p>Whilst growth is a sign of success, expanding too quickly without a solid financial plan can strain your cash flow.<\/p>\n\n\n\n<p>To stay on track, it\u2019s important to focus on moderate expansion and plan growth carefully.<\/p>\n\n\n\n<p>Take a step back and evaluate whether your current operations, cash reserves, and team can support your expansion goals.<\/p>\n\n\n\n<p>Prioritise financial planning by setting clear growth targets, aligning them with your cash flow forecasts, and regularly monitoring performance.<\/p>\n\n\n\n<p>This ensures you\u2019re scaling at a pace your business can sustain.<\/p>\n\n\n\n<p>In some cases, partnering with another business through a merger or strategic partnership can help reduce overhead costs, share resources, and expand capabilities without overextending your finances.<\/p>\n\n\n\n<p>For example, instead of opening multiple new locations at once, focus on making one profitable and cash flow-positive before moving to the next.<\/p>\n\n\n\n<p>Growing steadily and strategically can help protect your business from the cash flow risks that often come with rapid expansion.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-strengthen-your-pricing-strategy\"><strong>Strengthen your pricing strategy<\/strong><\/h3>\n\n\n\n<p>When sales slow down or profit margins shrink, an effective way to protect your cash flow is to review and refine your pricing strategy.<\/p>\n\n\n\n<p>Start by analysing your costs, competitors, and customer behaviour to ensure your prices reflect the value you offer without undercutting your profitability.<\/p>\n\n\n\n<p>In some cases, a modest price increase can improve overall profitability, especially if your operating costs have gone up.<\/p>\n\n\n\n<p>Customers are often willing to pay more if they see consistent value, quality, or service.<\/p>\n\n\n\n<p>For example, if you sell a product for \u00a340 and raise the price to \u00a344 whilst maintaining sales volume, that extra \u00a34 per unit contributes directly to profit margin\u2014boosting cash flow without increasing workload.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-use-cash-flow-management-tools\"><strong>Use cash flow management tools<\/strong><\/h3>\n\n\n\n<p>Automated cash flow management tools help your accounting and finance teams move beyond guesswork.<\/p>\n\n\n\n<p>These tools provide real-time tracking, automatic forecasting, and low-balance alerts\u2014supporting more informed decision-making.<\/p>\n\n\n\n<p>For instance, a digital accounting tool can show you that your projected cash balance will dip below zero in two weeks.<\/p>\n\n\n\n<p>That information gives you time to speed up receivables, delay non-essential purchases, or renegotiate payment terms.<\/p>\n\n\n\n<p>Rather than operating with limited visibility, you\u2019ll gain a complete overview of your current and future financial position from a single dashboard.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-additional-ways-to-improve-cash-flow\"><strong>Additional ways to improve cash flow<\/strong><\/h2>\n\n\n\n<p>If you\u2019re looking for ideas on how to fix cash flow problems, here are a few extra tactics worth considering.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Sell unused assets<\/strong> to free up cash.<\/li>\n\n\n\n<li><strong>Delay non-essential capital spending.<\/strong><\/li>\n\n\n\n<li><strong>Cut or restructure loss-making areas<\/strong> of your business.<\/li>\n\n\n\n<li><strong>Raise equity <\/strong>through investors or the stock market.<\/li>\n<\/ul>\n\n\n\n<p>These steps may provide short-term cash flow support while you focus on long-term financial stability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-preventing-cash-flow-problems-before-they-start\"><strong>Preventing cash flow problems before they start<\/strong><\/h2>\n\n\n\n<p>Cash flow problems often arise from delayed payments, poor planning, and stretching your resources too thin. Importantly, many of these issues can be mitigated or avoided.<\/p>\n\n\n\n<p>Rather than waiting for financial pressure to arise:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-be-proactive-not-reactive\"><strong>Be proactive, not reactive<\/strong><\/h3>\n\n\n\n<p>Start monitoring your cash flow. Use budgeting tools, stay on top of invoicing, build a financial buffer, and regularly track your performance.<\/p>\n\n\n\n<p>Maintaining clear visibility over your cash flow supports more informed business decisions and helps you anticipate potential issues. And the good news is, you don\u2019t have to rely on manual processes.<\/p>\n\n\n\n<p>The right <a href=\"https:\/\/www.sage.com\/en-ie\/accounting-software\/cash-management\/\" type=\"link\" id=\"https:\/\/www.sage.com\/en-ie\/accounting-software\/cash-management\/\">cash flow management software<\/a> can streamline your invoicing, automate financial reporting, and provide real-time visibility into your finances.<\/p>\n\n\n\n<p>When it comes to solving cash flow problems, having the right tools in place can have a meaningful impact\u2014whether you\u2019re tracking payments or forecasting future cash inflows.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Discover common causes of cash flow problems and practical ways to address them to support your business\u2019s financial stability.<\/p>\n","protected":false},"author":1911,"featured_media":14533,"menu_order":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"footnotes":""},"categories":[163],"tags":[],"business_type":[],"lilypad":[],"context":[],"industry":[],"persona":[],"imagine_tag":[],"coauthors":[555],"class_list":["post-17801","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-matters"],"sage_meta":{"region":"en-ie","author_name":"Laurence Matone","featured_image":"https:\/\/www.sage.com\/en-ie\/blog\/wp-content\/uploads\/sites\/13\/2023\/09\/GettyImages-481292847.jpg","imagine_tags":[]},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice Ireland","distributor_original_site_url":"https:\/\/www.sage.com\/en-ie\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/posts\/17801","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/users\/1911"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/comments?post=17801"}],"version-history":[{"count":1,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/posts\/17801\/revisions"}],"predecessor-version":[{"id":17804,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/posts\/17801\/revisions\/17804"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/media\/14533"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/media?parent=17801"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/categories?post=17801"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/tags?post=17801"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/business_type?post=17801"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/lilypad?post=17801"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/context?post=17801"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/industry?post=17801"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/persona?post=17801"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/imagine_tag?post=17801"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-ie\/blog\/api\/wp\/v2\/coauthors?post=17801"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}