While most of the population will view the New Year as a fresh start, for many businesses the pressure is on to save as much money as possible before the end of the 2014/15 financial year. In general, the future’s looking bright for SMEs. There is a growing confidence in the economy as the demand for independent businesses increases. Government initiatives such as Small Business Saturday are backed to encourage consumers to shop locally, and have achieved lucrative results with hundreds of customers supporting SMEs all over the country.…