{"id":70218,"date":"2024-03-06T15:00:45","date_gmt":"2024-03-06T13:00:45","guid":{"rendered":"https:\/\/www.sage.com\/en-za\/blog\/?p=70218"},"modified":"2026-01-29T14:13:39","modified_gmt":"2026-01-29T12:13:39","slug":"creating-financial-security-with-cash-flow-forecasting","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-za\/blog\/creating-financial-security-with-cash-flow-forecasting\/","title":{"rendered":"Planning for the future using cash flow forecasting"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\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-za\/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\tPlanning for the future using cash flow forecasting\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\t\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\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=\"2024-03-06T15:00:45+02:00\">March 6, 2024<\/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=\"Planning for the future using cash flow forecasting\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-za\/blog\/creating-financial-security-with-cash-flow-forecasting\/\"\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\t<\/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-za\/blog\/author\/jasper\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2022\/02\/Jasper--350x350.jpg\" class=\"entry-author__image\" alt=\"Jasper Basson\" \/>\t\t\t\t<span class=\"entry-author__name\">Jasper Basson<\/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>Have you ever worried about not having enough money to cover your business expenses?<\/p>\n\n\n\n<p><a href=\"https:\/\/www.sage.com\/en-za\/blog\/4-ways-to-start-building-business-wealth-today\/\" rel=\"noopener noreferrer\">Cash flow management<\/a> is a challenge for many small business owners, who still have to pay the bills even when they&#8217;re waiting to be paid themselves.<\/p>\n\n\n\n<p>Cash flow forecasting is a form of risk management that can help you to prepare for the unpredictable by pre-empting risk. It involves revisiting the past, looking at the present, and setting realistic financial goals.<\/p>\n\n\n\n<p>This article explains how a simple cash flow forecasting exercise can ensure your cash reserves never dry up.<\/p>\n\n\n\n<p>Here&#8217;s what we cover:<\/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-is-cash-flow-forecasting\" data-level=\"2\">What is cash flow forecasting?<\/a><\/li><li><a href=\"#h-compile-3-comparative-figures\" data-level=\"2\">Compile 3 comparative figures<\/a><\/li><li><a href=\"#h-a-plan-for-managing-your-cash-flow\" data-level=\"2\">A plan for managing your cash flow<\/a><\/li><li><a href=\"#h-6-top-tips-for-creating-financial-security\" data-level=\"2\">6 top tips for creating financial security<\/a><ul><li><a href=\"#h-1-don-t-undercut-your-costs\" data-level=\"3\">1. Don&#8217;t undercut your costs<\/a><\/li><li><a href=\"#h-2-find-additional-income-streams\" data-level=\"3\">2. Find additional income streams<\/a><\/li><li><a href=\"#h-3-make-sure-you-have-a-suitable-balance-sheet\" data-level=\"3\">3. Make sure you have a suitable balance sheet<\/a><\/li><li><a href=\"#h-4-don-t-over-employ\" data-level=\"3\">4. Don&#8217;t over employ<\/a><\/li><li><a href=\"#h-5-use-tech-to-save-costs-and-streamline-operations\" data-level=\"3\">5. Use tech to save costs and streamline operations<\/a><\/li><li><a href=\"#h-6-turn-problems-into-opportunities\" data-level=\"3\">6. Turn problems into opportunities<\/a><\/li><\/ul><\/li><\/ul><\/div>\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Get your free cashflow template<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Download our free cash flow forecast template to help you run your business and achieve your goals<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-7d24dde7-b594-451e-bf9a-d6e217e5ec61\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Download your template<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1064\" height=\"810\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/04\/GettyImages-869866316-1064x810.jpg\" class=\"single-cta__image\" alt=\"Mobile payment\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/04\/GettyImages-869866316-1064x810.jpg 1064w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-cash-flow-forecasting\">What is cash flow forecasting?<\/h2>\n\n\n\n<p>Cash flow forecasting is a process of estimating how much cash is flowing into and out of your business over a specific period. <\/p>\n\n\n\n<p>It helps you to run your business more efficiently while being able to anticipate slow and busy months.<\/p>\n\n\n\n<p>A <a href=\"https:\/\/www.sage.com\/en-za\/blog\/glossary\/cash-flow-statement\/\" rel=\"noopener noreferrer\">cash flow statement<\/a> includes all your projected expenses and income and helps you to predict months when you&#8217;ll have more than enough cash\u2014or not enough\u2014to pay the bills.<\/p>\n\n\n\n<p>When you know your cash position, you can make better decisions, like if you can afford to buy new equipment or hire a new employee, or if you need to take out a small business loan to get through a tight patch.<\/p>\n\n\n\n<p>When you compare your actual income and expenses with your forecasts, you can see if your business is doing better or worse than you thought.<\/p>\n\n\n\n<p>For example, if your sales are higher or lower than expected, you&#8217;ll want to figure out why. <\/p>\n\n\n\n<p>Have any of your competitors changed how they do business? <\/p>\n\n\n\n<p>Have new competitors entered your market? <\/p>\n\n\n\n<p>Has your customer service or quality control dropped? <\/p>\n\n\n\n<p>This kind of active business management gives you the power to ask the right questions and, in the end, make the right decisions.<\/p>\n\n\n\n<p>Usually, the forecast will cover an entire year, but you can also create estimates for a shorter period, such as a month or week.<\/p>\n\n\n\n<p>Here&#8217;s how to do it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-compile-3-comparative-figures\">Compile 3 comparative figures<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><!--[endif]--><strong>Same month, previous year: <\/strong>What were your income and expenses figures for the same month last year?<\/li>\n\n\n\n<li><!--[endif]--><strong>Same month, current year: <\/strong>What are your current income and expenses figures?<\/li>\n\n\n\n<li><!--[endif]--><strong>Same month objectives: <\/strong>Look at your budget and calculate how much you need to break even and make a profit.<\/li>\n<\/ol>\n\n\n\n<p>Your past sales can tell you a lot about how much money you can expect to make in a given month.<\/p>\n\n\n\n<p><strong>Be sure to include seasonal patterns and one-time events<\/strong> in your forecasts. <\/p>\n\n\n\n<p>For example, if you sell ice cream, you might be busier in the summer. If you offered taste tests at an ice cream expo, you probably sold more product that weekend.<\/p>\n\n\n\n<p><strong>Remember to include market conditions, trends, and future plans <\/strong>in your forecast. <\/p>\n\n\n\n<p>For example, if you&#8217;re planning a marketing drive because you&#8217;re launching a new ice cream flavour, you might anticipate an increase in sales.<\/p>\n\n\n\n<p>Similarly, if the artisan ice cream market is exploding, you might want to drop your forecast figures a little to allow for a possible loss of market share.<\/p>\n\n\n\n<p>From here, look at your income and expenses for the last 30, 60, or 90 days and do an age analysis.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"#gate-9b6dfa05-c86d-4d36-a28a-6e160653e6dc\">Download your free guide to managing your cash flow <\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-plan-for-managing-your-cash-flow\">A plan for managing your cash flow<\/h2>\n\n\n\n<p>Once you have your past numbers, current numbers, and breakeven point, you can start figuring out what percentage of your turnover goes towards your expenses.<\/p>\n\n\n\n<p>First, ask yourself these questions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><!--[endif]-->Will I receive loans?<\/li>\n\n\n\n<li><!--[endif]-->Do I have capital repayments?<\/li>\n\n\n\n<li><!--[endif]-->Have I put money aside to <a href=\"https:\/\/www.sage.com\/en-za\/blog\/improve-your-cash-flow\/\" rel=\"noopener noreferrer\">cover VAT<\/a>?<\/li>\n<\/ul>\n\n\n\n<p>Put your figures into the following format:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Turnover with the three comparative figures<\/li>\n\n\n\n<li><!--[endif]-->Cost of sales percentile (percentage of turnover that will be used to cover expenses)<\/li>\n\n\n\n<li><!--[endif]-->Capital inflow (loans)<\/li>\n\n\n\n<li><!--[endif]-->Operating expenses percentile<\/li>\n\n\n\n<li><!--[endif]-->Capital repayments of previous loans<\/li>\n\n\n\n<li><!--[endif]-->VAT figures<\/li>\n\n\n\n<li><!--[endif]-->Total outflow<\/li>\n\n\n\n<li><!--[endif]-->Net cash inflow and outflow<\/li>\n\n\n\n<li><!--[endif]-->Opening cash balance<\/li>\n\n\n\n<li><!--[endif]-->Closing cash balance<\/li>\n<\/ul>\n\n\n\n<p>The completed cash flow management forecast should indicate your estimated yearly growth, how much you need to break even, and your financial capacity to expand your business.<\/p>\n\n\n\n<p>Knowing your breakeven point is the most critical element of cash flow forecasting. <\/p>\n\n\n\n<p>Without it, you won&#8217;t be able to <a href=\"https:\/\/www.sage.com\/en-za\/blog\/keep-the-cash-flowing-during-uncertain-times\/\" rel=\"noopener noreferrer\">make provisions for the busy and slow months<\/a>, and you may end up making a loss, putting your business at risk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-top-tips-for-creating-financial-security\">6 top tips for creating financial security<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-don-t-undercut-your-costs\">1. Don&#8217;t undercut your costs<\/h3>\n\n\n\n<p>You might want to reduce your costs or undercharge to get more clients, but you&#8217;ll lose more money and time in the process. <\/p>\n\n\n\n<p>It may seem like <a href=\"https:\/\/www.sage.com\/en-za\/blog\/right-price-a-path-to-running-a-profitable-business\/\" rel=\"noopener noreferrer\">charging a premium price<\/a> repels customers, but the right customers will pay premium prices for high-quality services and a good value proposition.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-find-additional-income-streams\">2. Find additional income streams<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.sage.com\/en-za\/blog\/how-to-boost-cash-flow\/\" rel=\"noopener noreferrer\">Additional revenue streams<\/a> act as a safety net for your business, ensuring you have a cash cushion to fall back on. <\/p>\n\n\n\n<p>Try to think of an on-demand solution that your competitors aren&#8217;t offering. For example, if you&#8217;re an accountant, you can provide financial education to young families or start-ups. <\/p>\n\n\n\n<p>If you make ice cream, you can offer workshops for people to come up with their only flavour combinations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-make-sure-you-have-a-suitable-balance-sheet\">3. Make sure you have a suitable balance sheet<\/h3>\n\n\n\n<p>Balance sheets give banks and investors the necessary insight into your business&#8217;s financial standing. <\/p>\n\n\n\n<p>Funders will likely reject your loan application without an accurate or <a href=\"https:\/\/www.sage.com\/en-za\/blog\/top-5-balance-sheet-ratios-for-managing-cash-flow\/\" rel=\"noopener noreferrer\">comprehensive balance sheet<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-don-t-over-employ\">4. Don&#8217;t over employ<\/h3>\n\n\n\n<p>Many SMEs have too many employees for the services they offer, ultimately making a loss. <\/p>\n\n\n\n<p>I suggest having a small, senior team focusing on the high-priority tasks and outsourcing the rest when and if needed. <\/p>\n\n\n\n<p>This way, you have a stable workforce with on-demand help when you need it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-use-tech-to-save-costs-and-streamline-operations\">5. Use tech to save costs and streamline operations<\/h3>\n\n\n\n<p>Modern digital tools are designed to make processes more efficient and save costs. <\/p>\n\n\n\n<p>For example, <a href=\"https:\/\/www.sage.com\/en-za\/sage-business-cloud\/accounting\/\" rel=\"noopener noreferrer\">cloud accounting software<\/a> automatically issues invoices and follows up with your customers to ensure you <a href=\"https:\/\/www.sage.com\/en-za\/blog\/get-paid-on-time-5-tips-for-small-business-owners\/\" rel=\"noopener noreferrer\">get paid on time<\/a>.<\/p>\n\n\n\n<p>Meanwhile <a href=\"https:\/\/www.sage.com\/en-za\/blog\/sage-and-fnb-bank-feed-integration-4-ways-business-benefits\/\" rel=\"noopener noreferrer\">direct bank feeds<\/a> pull your transactional data from your bank directly into your accounting system, giving you a real-time overview of your sales and expenses on an insightful dashboard. <\/p>\n\n\n\n<p>It&#8217;s also easy to pull historical sales data to compile your cash flow forecast.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-turn-problems-into-opportunities\">6. Turn problems into opportunities<\/h3>\n\n\n\n<p>You can&#8217;t grow your business without growing yourself. A positive mindset can boost creativity and uncover new ideas to find additional revenue streams, <a href=\"https:\/\/www.sage.com\/en-za\/blog\/why-business-flow-is-essential-for-success\/\" rel=\"noopener noreferrer\">restructure inefficient workflows and systems,<\/a> and think outside the box. <\/p>\n\n\n\n<p>With digital tools automating the manual tasks, you&#8217;ll have more time to focus on growing your business and better serving your customers.<\/p>\n\n\n\n<p><em>Editor&#8217;s note: This article was first published in September 2022 and has been updated for relevance.<\/em><\/p>\n\n\n\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Get your free cashflow template<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Download our free cash flow forecast template to help you run your business and achieve your goals<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-7d24dde7-b594-451e-bf9a-d6e217e5ec61\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Download your template<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1064\" height=\"810\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/04\/GettyImages-869866316-1064x810.jpg\" class=\"single-cta__image\" alt=\"Mobile payment\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/04\/GettyImages-869866316-1064x810.jpg 1064w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Subscribe to the Sage Advice enewsletter<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Get a roundup of our best business advice in your inbox every month.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-84fe79b5-668d-41f8-a0cc-6229018c4ac9\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscribe<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2022\/04\/GettyImages-1181404518-1440x810.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2022\/04\/GettyImages-1181404518-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Knowing your cash flow position lets you make better business decisions. Learn how cash flow forecasting can help you<\/p>\n","protected":false},"author":1340,"featured_media":69833,"menu_order":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"footnotes":""},"categories":[33,30,25],"tags":[294,313,189],"business_type":[2,5],"lilypad":[],"context":[],"industry":[],"persona":[6,15],"imagine_tag":[51,73,85,86],"coauthors":[450],"class_list":["post-70218","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-planning","category-daily-money","category-money-matters","tag-accountants","tag-bookkeeping","tag-financial-insights","business_type-small-business","business_type-accountants"],"sage_meta":{"region":"en-za","author_name":"Jasper Basson","featured_image":"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2022\/04\/GettyImages-808410210.jpg","imagine_tags":{"51":"Accountants","73":"Money Matters","85":"Small business","86":"Start up business"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice South Africa","distributor_original_site_url":"https:\/\/www.sage.com\/en-za\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts\/70218","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/users\/1340"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/comments?post=70218"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts\/70218\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/media\/69833"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/media?parent=70218"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/categories?post=70218"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/tags?post=70218"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/business_type?post=70218"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/lilypad?post=70218"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/context?post=70218"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/industry?post=70218"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/persona?post=70218"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/imagine_tag?post=70218"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/coauthors?post=70218"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}