Target three months of core costs if trading, or six if grant-reliant, building gradually through tiny monthly transfers and year-end surpluses. Ringfence a tool-replacement fund based on depreciation. Publish the policy so funders trust stewardship, and members understand why occasional price rises protect continuity.
Adopt maintenance calendars, label next-service dates, and schedule PAT testing where relevant. Prioritise consumables—blades, belts, batteries—in bulk to lock prices. Train superusers to diagnose issues early, log faults with photos, and quarantine risky items. These small routines reduce downtime, insurance claims, and nerve-stretching Saturday morning surprises.