6. Budgets and Controls Sales, expenses and marketing budget tools for review The templates, guides & tools section tab of the SBDC website is a useful resource for budgets and forecasts. Some broking firms have small budgets that include the costs of: . A gift for clients who have had a loan settled. . Movie tickets for referrals from the client base. Paid referrer fees for loans that settle from referrers such as Real Estate agents, Accountants etc. Meet up over coffee with referrers. These are just some budgets or costs that you may consider and will vary from business to business. Contingency plans and risk management You should consider the possible risks to your business and make contingency plans to address them. You will have noted some possible risks under the "weakness" and "threats" sections of your SWOT analysis. Try to iden- tify all of your risks and work out what you can do to either reduce them or work around them if they occur.