November 2025

The leaves are falling, the year is winding down—and now’s the time to get strategic. Whether you're reviewing your ecommerce margins, prepping for holiday sales, or wondering what the federal budget means for your business, we’ve got you covered. Grab a warm drink and let’s dive into this month’s updates.

Ecommerce Tip: Don’t Let Holiday Sales Derail Your Margins

The holiday rush is exciting—but it can also be chaotic. Between flash sales, free shipping promos, and inventory juggling, many e-commerce owners lose sight of profitability. Here’s how to stay on track:

• Know your break-even point: Before offering discounts, calculate how low you can go without hurting margins.

• Watch fulfillment costs: Courier surcharges and rush fees spike in Q4. Build them into your pricing or set minimum order thresholds.

• Track returns: High return rates can eat into profits. Use clear sizing guides, product videos, and customer reviews to reduce surprises.

• Sync with your accountant: Real-time reporting helps you spot trends and adjust quickly. We can help set up dashboards that show what’s working—and what’s not.

Holiday sales should boost your bottom line, not bury it. Let’s make sure your numbers tell a winning story.

Federal Budget 2025: What Small Businesses Should Know

The 2025 federal budget was built around “spending less to invest more”. It focused on infrastructure spending and attracting more capital to promote the Canadian economy. A few key tax changes that could impact you include:

• 100% immediate expensing: Through a new Productivity Super-Deduction, businesses can temporarily fully write off investments in manufacturing and processing machinery and equipment, clean-energy generation and energy conservation equipment, and zero-emission vehicles. It stopped short of applying them broadly or making them permanent.

• Reform the Scientific Research & Experimental Development Tax Credit: The Budget proposes several enhancements, including raising the SR&ED credit, broadening the application to certain Canadian public corporations, and expediting the claims process.

• Underused Housing Tax: The budget proposes to eliminate the UHT starting in 2025 and onwards.

Not sure how these changes affect you? We’re happy to walk through scenarios and help you plan smart.

Year-End Moves: 3 Things to Do Before December 31

As the year wraps up, here are three smart moves to make before the calendar flips:

1. Review your compensation strategy: Owner salaries, dividends, and bonuses can impact tax and CPP. Let’s optimize your mix.

2. Issue T4A slips for contractors: If you paid over $500 for services, it’s time to prep those slips—even if CRA enforcement is light.

3. Spend or defer?: If you’re cash-heavy, consider strategic purchases before year-end. If not, defer income to 2026 where possible.

Need help with year-end planning? We’re here to make it smooth, compliant, and stress-free.

The Takeaway: Don't Just Survive the Rush—Own It!

If there is one thing to take away from this month, it’s this: Profit is not the same as cash.

That "record-breaking" sales number feels amazing, but it’s a vanity metric if you’re staring at an empty bank account on January 15th. We want to help you avoid that hollow feeling when you realize the money you thought you made is already spent.

Knowing your numbers is about building certainty. It's about knowing exactly how hard you can push your ad spend and knowing you have the fuel to make it through the winter.

While you're mastering the art of the sale, we're here in the trenches, obsessed with the science of your money. Let us handle the numbers so you can go build your empire.

👀 See exactly how we help E-Commerce owners get their time (and sanity) back.

P.S. Cash flow is just one challenge this quarter. The other is taxes. Don't let the taxman turn your holiday triumph into a nightmare.