Overhead

Indirect business costs that are not tied to producing a specific product or service, rent, utilities, insurance, admin salaries, and software subscriptions.

High overhead makes a business fragile. In a bad month, overheads still get paid regardless of revenue. Lean overhead gives you the resilience to survive slow periods without panic.

Monthly overhead: Shopify £29, email tool £40, accounting software £20, business insurance £35, phone bill £30, storage £80. Total: £234. Every month, whether you sell one item or one thousand.