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Particularly when times are tough and markets are struggling, you can’t leave ",{"text":150,"type":40,"marks":151},"cash to chance",[152],{"type":153,"attrs":154},"link",{"href":155,"uuid":43,"anchor":43,"target":156,"linktype":157},"https://www.cfoconnect.eu/en/resources/meetup-recap/5-reasons-why-companies-that-dont-prioritize-cash-fail/","_self","url",{"text":159,"type":40},".",{"type":36,"content":161},[162],{"text":163,"type":40},"Every founder and finance leader knows this. But where to begin?",{"type":36,"content":165},[166,168,173,180],{"text":167,"type":40},"One key weapon in the arsenal: budgeting reports. These help you ",{"text":169,"type":40,"marks":170},"analyze actual spending against what was intended, spot errors, and identify ways to take back ",[171],{"type":172},"bold",{"text":174,"type":40,"marks":175},"budgeting control",[176,179],{"type":153,"attrs":177},{"href":178,"uuid":43,"anchor":43,"target":43,"linktype":157},"https://www.spendesk.com/glossary/budgeting-control/",{"type":172},{"text":159,"type":40},{"type":36,"content":182},[183],{"text":184,"type":40},"This article gives you a breakdown of the “what” and “why” behind budgeting reports, an action plan to get budgets under control, and our number one recommendation if you struggle to control spending.",{"type":186,"attrs":187,"content":189},"heading",{"level":188},2,[190],{"text":191,"type":40},"What are budgeting reports?",{"type":36,"content":193},[194,196,200],{"text":195,"type":40},"Budgeting reports (or simply “budget reports”) let companies compare their actual spending with what was budgeted for. You plan your budget for a given period, then at the end of that period ",{"text":197,"type":40,"marks":198},"your budgeting report shows you how much you actually spent",[199],{"type":172},{"text":159,"type":40},{"type":36,"content":202},[203],{"text":204,"type":40},"A typical budget report has two key columns:",{"type":206,"content":207},"bullet_list",[208,215],{"type":209,"content":210},"list_item",[211],{"type":36,"content":212},[213],{"text":214,"type":40},"Planned spending budgeted for a given period",{"type":209,"content":216},[217],{"type":36,"content":218},[219],{"text":220,"type":40},"Actual spending for that same period",{"type":36,"content":222},[223],{"text":224,"type":40},"This essentially tells you how well your teams manage cash in light of their expectations.",{"type":36,"content":226},[227,229,241],{"text":228,"type":40},"The budgeting report will look very similar to your ",{"text":230,"type":40,"marks":231},"income statement",[232],{"type":153,"attrs":233},{"href":234,"uuid":235,"anchor":43,"target":43,"linktype":236,"story":237},"accounting-for-startups","f259f169-e75b-40a7-a659-c7460ceb7f2b","story",{"name":238,"id":239,"uuid":235,"slug":234,"url":240,"full_slug":240,"_stopResolving":58},"Accounting for startups: keys to better business bookkeeping   ",208801002,"blog/accounting-for-startups",{"text":242,"type":40},". You’ll set out sales and revenues, followed by various expenses, and then your net operating income.",{"type":36,"content":244},[245,247,253],{"text":246,"type":40},"Check out some examples from ",{"text":248,"type":40,"marks":249},"sampletemplates.com",[250],{"type":153,"attrs":251},{"href":252,"uuid":43,"anchor":43,"target":43,"linktype":157},"https://www.sampletemplates.com/business-templates/report/budget-report-sample.html",{"text":159,"type":40},{"type":186,"attrs":255,"content":257},{"level":256},3,[258],{"text":259,"type":40},"Budgeting vs forecasting",{"type":36,"content":261},[262],{"text":263,"type":40},"It’s worth spelling out clearly the differences between budgets and forecasts. They’re close cousins, in a way, but the purpose and goals for each are slightly different.",{"type":36,"content":265},[266,270],{"text":267,"type":40,"marks":268},"Forecasting lets a business attempt to predict the amount of revenue the business will achieve",[269],{"type":172},{"text":271,"type":40}," over a fixed period. Looking at all foreseeable variables, you try to give a clear prognosis for the company’s profits and losses.",{"type":36,"content":273},[274],{"text":275,"type":40},"Most companies build forecasts for the quarter and year ahead, and it’s standard practice for startups in particular to build three-year forecasts. These longer-term analyses are the growth map the business runs on.",{"type":36,"content":277},[278,280,284,290,294],{"text":279,"type":40},"Budgets, on the other hand, ",{"text":281,"type":40,"marks":282},"show the amount your business units ",[283],{"type":172},{"text":285,"type":40,"marks":286},"intend",[287,288],{"type":172},{"type":289},"italic",{"text":291,"type":40,"marks":292}," to spend for a given period",[293],{"type":172},{"text":295,"type":40},". Again, this is typically done on a quarterly and yearly basis, and will be informed directly by your forecasts.",{"type":36,"content":297},[298,300,311],{"text":299,"type":40},"So if you forecast that your business will generate $10 million in monthly recurring revenue (MRR) this quarter, this revenue may fuel your ",{"text":301,"type":40,"marks":302},"project budgets",[303],{"type":153,"attrs":304},{"href":305,"uuid":306,"anchor":43,"target":43,"linktype":236,"story":307},"project-budget-tracking","e2628d82-fc62-40a6-97d8-3a429ea374c4",{"name":308,"id":309,"uuid":306,"slug":305,"url":310,"full_slug":310,"_stopResolving":58},"A quick guide to project budget tracking for happier clients",208800734,"blog/project-budget-tracking",{"text":312,"type":40}," for the same period.",{"type":36,"content":314},[315],{"text":316,"type":40},"And because forecasts can (and usually do) change quickly, your ability to control and report on budgets is critical.",{"type":186,"attrs":318,"content":319},{"level":188},[320],{"text":321,"type":40},"Why budget reports are important",{"type":36,"content":323},[324,326,332],{"text":325,"type":40},"Modern businesses rely on good ",{"text":327,"type":40,"marks":328},"spend control",[329],{"type":153,"attrs":330},{"href":331,"uuid":43,"anchor":43,"target":43,"linktype":157},"https://www.spendesk.com/platform/spend-controls/",{"text":333,"type":40}," to survive. Particularly with certain industries struggling, your ability to monitor where company money goes in real time is crucial.",{"type":36,"content":335},[336],{"text":337,"type":40},"Of course, creating the budgets themselves is a huge part of this exercise. Simply by setting clear expectations and parameters for your teams, you make it more likely they spend responsibly and effectively. Which for finance teams is a big win.",{"type":36,"content":339},[340,342,346],{"text":341,"type":40},"But once budgets are set, you can’t simply assume that they’re respected. And these reports are ",{"text":343,"type":40,"marks":344},"an opportunity to reflect on how money was deployed over each set period",[345],{"type":172},{"text":159,"type":40},{"type":186,"attrs":348,"content":349},{"level":256},[350],{"text":351,"type":40},"Benefits of budgeting reports",{"type":36,"content":353},[354],{"text":355,"type":40},"Aside from the fact that reporting almost always brings new analyses and chances to improve, budget reports have a few distinct advantages. They let you:",{"type":206,"content":357},[358,368,390,400,423,433],{"type":209,"content":359},[360],{"type":36,"content":361},[362,366],{"text":363,"type":40,"marks":364},"Monitor performance",[365],{"type":172},{"text":367,"type":40},". Obviously, the main role of almost any report is to see how the company performs against expectations. Which is also true of budget reports.",{"type":209,"content":369},[370],{"type":36,"content":371},[372,384,388],{"text":373,"type":40,"marks":374},"Budget cash",[375,383],{"type":153,"attrs":376},{"href":377,"uuid":378,"anchor":43,"target":43,"linktype":236,"story":379},"cash-budget","288ad1be-bdd3-428b-9d7f-9f0d899c3b2e",{"name":380,"id":381,"uuid":378,"slug":377,"url":382,"full_slug":382,"_stopResolving":58},"How to manage a cash budget for your business",208803060,"blog/cash-budget",{"type":172},{"text":385,"type":40,"marks":386}," effectively",[387],{"type":172},{"text":389,"type":40},". With a closer eye on spending, you’ll be able to deploy funds better and identify areas of “leaky” spend.",{"type":209,"content":391},[392],{"type":36,"content":393},[394,398],{"text":395,"type":40,"marks":396},"Hold team leaders accountable",[397],{"type":172},{"text":399,"type":40},". They have their hands on the budgets, so they also need to ensure that spending is as expected. On the positive side, these reports also highlight the great work they’ve done to remain on track.",{"type":209,"content":401},[402],{"type":36,"content":403},[404,408,410,421],{"text":405,"type":40,"marks":406},"Identify budget surpluses",[407],{"type":172},{"text":409,"type":40},". These of course mean that you can deploy funds elsewhere. But you might also find that certain teams need help with spending. If you’ve allocated a certain amount to your ",{"text":411,"type":40,"marks":412},"marketing budget,",[413],{"type":153,"attrs":414},{"href":415,"uuid":416,"anchor":43,"target":43,"linktype":236,"story":417},"startup-marketing-budget","90419d4f-625f-4a1c-b392-98f190b609fc",{"name":418,"id":419,"uuid":416,"slug":415,"url":420,"full_slug":420,"_stopResolving":58},"Startup marketing budget: How to allocate and manage your expenses",208733239,"blog/startup-marketing-budget",{"text":422,"type":40}," for example, then failing to spend that amount will probably mean slower growth. So a surplus budget isn’t always a good thing.",{"type":209,"content":424},[425],{"type":36,"content":426},[427,431],{"text":428,"type":40,"marks":429},"Spot issues",[430],{"type":172},{"text":432,"type":40},". Particularly when budget reports are shared among teams, you’ll likely discover problem areas you didn’t know existed. You may also find that specific teams understood their budgets differently, or that certain players assumed that key items belonged on another team’s budget.",{"type":209,"content":434},[435],{"type":36,"content":436},[437,441],{"text":438,"type":40,"marks":439},"Plan for the future",[440],{"type":172},{"text":442,"type":40},". What better way to create your next budget than to learn from the previous one(s)?",{"type":36,"content":444},[445],{"text":446,"type":40},"In reality, you already know the value of great budget reports. Leaders can only make smart decisions with good data, and these reports are one such example.",{"type":448,"attrs":449},"blok",{"id":450,"body":451},"05bd77fd-3997-4ca7-be31-ccd06f770e70",[452],{"_uid":453,"html":454,"component":455},"i-38448b86-f5a1-45ad-8254-f9bb23a63476","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-83ab950b-940a-439d-abcd-bbb332377ebc\">\u003Cspan class=\"hs-cta-node hs-cta-83ab950b-940a-439d-abcd-bbb332377ebc\" id=\"hs-cta-83ab950b-940a-439d-abcd-bbb332377ebc\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/83ab950b-940a-439d-abcd-bbb332377ebc\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-83ab950b-940a-439d-abcd-bbb332377ebc\" style=\"border-width:0px;\" src=\"https://no-cache.hubspot.com/cta/default/2694209/83ab950b-940a-439d-abcd-bbb332377ebc.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '83ab950b-940a-439d-abcd-bbb332377ebc', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":186,"attrs":457,"content":458},{"level":188},[459],{"text":460,"type":40},"Modern budgeting controls",{"type":36,"content":462},[463,465,471],{"text":464,"type":40},"The obvious question at this point is, “so what next?” Once you’re in the habit of building ",{"text":466,"type":40,"marks":467},"business budget reports",[468],{"type":153,"attrs":469},{"href":470,"uuid":43,"anchor":43,"target":43,"linktype":157},"/business-budgeting-software/",{"text":472,"type":40},", how do you actually use them for good?",{"type":186,"attrs":474,"content":475},{"level":256},[476],{"text":477,"type":40},"Budget control in five steps",{"type":36,"content":479},[480,486,488,499],{"text":481,"type":40,"marks":482},"HB Publications",[483],{"type":153,"attrs":484},{"href":485,"uuid":43,"anchor":43,"target":43,"linktype":157},"https://hbpublications.com/2020/06/17/the-5-step-budgetary-control-process/",{"text":487,"type":40}," provides a very straightforward ",{"text":489,"type":40,"marks":490},"budgeting control process",[491],{"type":153,"attrs":492},{"href":493,"uuid":494,"anchor":43,"target":43,"linktype":236,"story":495},"budgeting-process","7d3e5194-5ad6-4dd5-8f00-986dd12bae39",{"name":496,"id":497,"uuid":494,"slug":493,"url":498,"full_slug":498,"_stopResolving":58},"The budgeting process for smart, modern companies",208802941,"blog/budgeting-process",{"text":500,"type":40},". And the good news is that, if you’ve come this far, you’ve already done the first three steps.",{"type":36,"content":502},[503],{"text":504,"type":40},"Here’s what they recommend:",{"type":186,"attrs":506,"content":508},{"level":507},4,[509],{"text":510,"type":40},"1. Establish your current position",{"type":36,"content":512},[513],{"text":514,"type":40},"In other words, figure out how much you’ve spent so far. This is the third column of that budget report template we saw above.",{"type":36,"content":516},[517,519,530,532,544],{"text":518,"type":40},"If you have good ",{"text":520,"type":40,"marks":521},"spend management tools",[522],{"type":153,"attrs":523},{"href":524,"uuid":525,"anchor":43,"target":43,"linktype":236,"story":526},"spend-management-software","a3acaca7-80c8-4a56-b8db-3b1da7d9e324",{"name":527,"id":528,"uuid":525,"slug":524,"url":529,"full_slug":529,"_stopResolving":58},"10 top spend management software solutions",208736523,"blog/spend-management-software",{"text":531,"type":40}," in place, this will be easy. They tell you exactly what was spent against each budget, in real time. Otherwise, accounting software like ",{"text":533,"type":40,"marks":534},"Xero works with expense management",[535],{"type":153,"attrs":536},{"href":537,"uuid":538,"anchor":43,"target":156,"linktype":236,"story":539},"/blog/spendesk-xero-integration","973c1a07-dfe7-4b3d-8941-1f252c5a22e4",{"name":540,"id":541,"uuid":538,"slug":542,"url":543,"full_slug":543,"_stopResolving":58},"Expense management for Xero: automated accounting meets company spend",218968744,"spendesk-xero-integration","blog/spendesk-xero-integration",{"text":545,"type":40}," tools to the same effect.",{"type":36,"content":547},[548],{"text":549,"type":40},"Look at your records and find out what has been spent against each line item. And add that to your report.",{"type":186,"attrs":551,"content":552},{"level":507},[553],{"text":554,"type":40},"2. Compare this with your budget",{"type":36,"content":556},[557,559,563,568,572,577,581],{"text":558,"type":40},"Naturally, you want to know if the amount you’ve spent is within budget, way over, or even way under. As mentioned above, ",{"text":560,"type":40,"marks":561},"both ",[562],{"type":172},{"text":564,"type":40,"marks":565},"over",[566,567],{"type":172},{"type":289},{"text":569,"type":40,"marks":570}," and ",[571],{"type":172},{"text":573,"type":40,"marks":574},"under",[575,576],{"type":172},{"type":289},{"text":578,"type":40,"marks":579}," can be causes for concern",[580],{"type":172},{"text":582,"type":40},", and will certainly require action in some form.",{"type":36,"content":584},[585],{"text":586,"type":40},"In this step, you really just need to identify the original budget figures, because we’ll start doing math in the next step.",{"type":186,"attrs":588,"content":589},{"level":507},[590],{"text":591,"type":40},"3. 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Either you over/under-budgeted, or perhaps individuals aren’t actually paying close attention to the budgets set out.",{"type":36,"content":615},[616,618,622,624,628],{"text":617,"type":40},"There are also ",{"text":619,"type":40,"marks":620},"potentially benign reasons for discrepancies",[621],{"type":172},{"text":623,"type":40}," - simple errors or delays in gathering information. These aren’t ",{"text":625,"type":40,"marks":626},"good",[627],{"type":289},{"text":629,"type":40},", but they may be easier to fix than systemic issues.",{"type":36,"content":631},[632],{"text":633,"type":40},"This stage can be long and challenging, and may rely more on your soft skills as a leader and communicator than a finance expert. 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But ",{"text":715,"type":40,"marks":716},"you simply can’t expect to increase budgetary controls ",[717],{"type":172},{"text":719,"type":40,"marks":720},"by chance",[721,722],{"type":172},{"type":289},{"text":724,"type":40},". You need to get to work.",{"type":36,"content":726},[727],{"text":728,"type":40},"And of course, the action we recommend most is…",{"type":186,"attrs":730,"content":731},{"level":188},[732],{"text":733,"type":40},"Improve budgeting with spend management",{"type":36,"content":735},[736,738,742],{"text":737,"type":40},"One reason budgeting can be tricky is the range of different ways that teams pay for things. You have credit cards, invoices, and expense claims - all of which impact your budget. But because they’re managed differently, ",{"text":739,"type":40,"marks":740},"it can be easy for team leaders to lose track of what’s been spent",[741],{"type":172},{"text":159,"type":40},{"type":36,"content":744},[745],{"text":746,"type":40},"You’re asking these managers to be rigorous Excel users, which many of them simply won’t be.",{"type":36,"content":748},[749,751,755,762,766],{"text":750,"type":40},"Instead, ",{"text":752,"type":40,"marks":753},"choose spending methods with the ",[754],{"type":172},{"text":756,"type":40,"marks":757},"budgets",[758,761],{"type":153,"attrs":759},{"href":760,"uuid":43,"anchor":43,"target":43,"linktype":157},"https://www.spendesk.com/product/budget/",{"type":172},{"text":763,"type":40,"marks":764}," built in",[765],{"type":172},{"text":767,"type":40},". For example, with employee expense cards, you can allocate a set amount of spending for a specific purpose. If the employee wants to go over, they’ll need approval. Which means that the budget can’t simply be exceeded by chance.",{"type":36,"content":769},[770],{"text":771,"type":40},"These also let you track subscription payments easily - another major cause of “phantom” payments.",{"type":36,"content":773},[774],{"text":775,"type":40},"And of course, when it’s time to build your next budgeting report, you have all the data you need sitting there in the platform, formatted and ready to go. What was once a tricky task is just a few clicks away. 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Subscribe to our newsletter to stay informed.",[2245,2246],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2248],{"cta":2249,"_uid":2250,"items":2251,"heading":2378,"reverse":28,"component":882,"sectionSettings":2399},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2252,2321],{"_uid":2253,"title":2254,"component":830,"description":2255},"dfc0accd-ab64-464a-8597-b76754748f04","What is spend management?",{"type":33,"content":2256},[2257,2261],{"type":36,"content":2258},[2259],{"text":2260,"type":40},"Business spending includes different types of spend:",{"type":2262,"attrs":2263,"content":2266},"ordered_list",{"order":2264},{"order":2265},1,[2267,2278,2289],{"type":209,"content":2268},[2269],{"type":36,"content":2270},[2271,2275,2277],{"text":2272,"type":40,"marks":2273},"Strategic",[2274],{"type":172},{"text":2276,"type":40}," spend is usually centralized and managed by C-level executives with dedicated spenders. 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This includes debit cards to replace old-fashioned company credit cards, virtual cards for online purchases, and automated expense reports for unexpected payments.",{"type":2171},{"type":2171},{"text":2333,"type":40,"marks":2334},"For employees",[2335],{"type":172},{"type":2171},{"text":2338,"type":40},"Employees no longer need to spend out-of-pocket. They request funds for a particular purchase, and can use their Spendesk card or virtual card to execute the payment.",{"type":2171},{"type":2171},{"text":2342,"type":40},"If for any reason the employee can’t use their Spendesk card, they snap a picture of the receipt via the Spendesk mobile app and create an expense claim on the spot. This is sent directly to their manager for validation, and on to the finance team.",{"type":2171},{"type":2171},{"text":2346,"type":40,"marks":2347},"For finance teams",[2348],{"type":172},{"type":2171},{"text":2351,"type":40},"Each employee has their own Spendesk profile and debit expense card. 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12:00",[],"It's time for a crash course on expense policies  —  learn what it means to have one, why you need it, and which steps you need to take to set one up.",[],[2463],{"_uid":2464,"items":2465,"heading":2518,"reverse":28,"component":882,"sectionSettings":2535},"18ae1679-27e2-408b-9ae0-587541d07cca",[2466,2474,2482,2491,2500,2509],{"_uid":2467,"title":2254,"component":830,"description":2468},"f9adcaa0-2fd1-4d1f-b49f-999873fc369d",{"type":33,"content":2469},[2470],{"type":36,"content":2471},[2472],{"text":2473,"type":40},"Spend management is the process companies use to control and optimize business spending across cards, invoices, subscriptions, and reimbursements. Spendesk centralizes payments, issues physical and virtual cards, automates approval workflows and expense reports, captures receipts in-app, applies VAT and expense codes, and syncs transactions with accounting tools to deliver real-time visibility and tighter financial control.",{"_uid":2475,"title":2323,"component":830,"description":2476},"77733f1a-7fa3-4597-bd19-8b5e6ee5649c",{"type":33,"content":2477},[2478],{"type":36,"content":2479},[2480],{"text":2481,"type":40},"Spendesk is a spend management platform that issues physical and virtual cards, automates approvals, captures receipts, and reconciles expenses. Employees request funds or use Spendesk cards for purchases while the app captures receipts and submits expense claims. Finance teams set budgets and limits, approve flows, and export reconciled transactions to accounting tools for faster close.",{"_uid":2483,"title":2484,"component":830,"description":2485},"750d3b26-1105-4f2e-a89e-a06fd4366c47","What is an expense policy?",{"type":33,"content":2486},[2487],{"type":36,"content":2488},[2489],{"text":2490,"type":40},"An expense policy is a company rulebook defining allowable expenses, spending limits, approval pathways, receipt and VAT requirements, and reimbursement timelines. Spendesk enforces expense policies through card-level limits, pre-approval workflows, tagged expense categories, and automated VAT handling so finance teams maintain compliance and simplify bookkeeping.",{"_uid":2492,"title":2493,"component":830,"description":2494},"b8cc14a5-2702-45a4-8637-3b7329fa6d79","Why should my company implement an expense policy?",{"type":33,"content":2495},[2496],{"type":36,"content":2497},[2498],{"text":2499,"type":40},"An expense policy reduces cost leakage, prevents unauthorized spending, accelerates reimbursement, and ensures consistent tax and accounting treatment. 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