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How many times you have wandered through gifts and card shops to buy Christmas greeting cards for your friends, family and colleagues to be dispatched before Christmas Eve? It's a common practice through which Invitation businesses mint considerable money every year. Once you are through the hassle of selecting all the cards, there comes the tiring phase of penning down each one with an exclusive wish followed by your name and so on. The prospect of selecting and writing a large number of Christmas greetings is not only boring, but demands a lot of time and patience.

I never have to reinvent the wheel. And as a professional accountant, you can imagine how many different "wheels" I use every day! Profit & Loss statements, Balance Sheets, Cash Flow Forecasts, Time Sheets, Break_Even Analyses, Margin Calculations, Business Plans, etc, etc. When using your own prior work as a financial template, you get another benefit _ you are so familiar with the template that it takes you no time to figure out how to use it. And each time you refine it just a little bit more. So pretty soon your templates run like a Swiss watch! All the bugs have been worked out, you have tested it with many different clients and many different business scenarios and you know you have something you can depend on. Financial Templates as Tools _ For someone who is not a finance professional, financial templates serve a slightly different purpose. They still save time, of course, but they also provide a tool that person would have to pay someone else to develop.

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