The financial side of running a business can be stressful if you don’t have a good system in place. If you’re constantly forgetting to invoice, running low on cash or finding essential receipts in random pockets, it’s time to take action.

This article is written by Olaf Garvey, a business energy expert at Uswitchforbusiness and first appeared on Small Business Matters. SMEs face significant challenges in surviving in the current economic climate, with most firms realising that savings need to be made at every level and in every department. One of the key areas in which SMEs can make savings is energy.

Sit back, grab your popcorn and prepare to be terrified. These Halloween horrors will chill you to the bone.