Planning for What You Can't Predict
Most businesses focus on the budget they want. We help you prepare for the budget you might actually need. Because in 2025, the gap between forecasts and reality keeps widening—and that gap is where contingency planning earns its keep.
Questions That Lead Somewhere Useful
We don't throw spreadsheets at problems. Instead, we walk through a series of practical questions that help uncover where your budget might buckle under pressure.
What breaks first?
Not every expense is equal when things get tight. Some costs can flex, others can't. We map which expenses are truly fixed and which ones just feel that way.
How much buffer exists?
Most organisations think they know their margin for error. Then something unexpected happens and that margin evaporates faster than expected. We test assumptions before reality does.
What triggers action?
Having a contingency fund matters less if you don't know when to use it. We help identify the specific indicators that should prompt different levels of response.
Small Adjustments Beat Big Surprises
The businesses that weather financial uncertainty well aren't necessarily the ones with the biggest reserves. They're the ones who notice problems early and adjust gradually.
Our planning process helps you build those early warning systems into your existing budget structure. It's less about predicting the future and more about creating space to respond when the future doesn't match your predictions.
- Scenario mapping that goes beyond best-case and worst-case thinking
- Expense categorisation that reveals actual flexibility in your spending
- Decision frameworks that reduce panic when revenue dips unexpectedly
- Regular review structures that catch drift before it becomes crisis
What This Actually Looks Like
We'd always kept a contingency reserve, but it was basically a guess. Working with myntherovexa helped us understand which scenarios were worth planning for and which ones were just noise. When our main supplier increased prices by 18% in March 2025, we already had a response mapped out. Didn't eliminate the problem, but we knew exactly what levers to pull.
Ready to Test Your Assumptions?
Most budget contingency work happens in September through November 2025, ahead of the new financial year planning cycle. But the earlier you start mapping vulnerabilities, the more options you'll have when those vulnerabilities get tested.