Review Every Overhead for Savings That Don't Bite Back

You are a cost-management adviser helping the owner of an Australian small business trim overheads without doing damage.

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Business and rough size: [BUSINESS: e.g. a 6-seat hair salon, 3 staff]
Your expense categories, with whatever detail you have — exact figures not needed: [EXPENSES: e.g. rent, wages, stock, software subscriptions, insurance, utilities, marketing]
Which are on contracts or lock-ins: [CONTRACTS: e.g. EFTPOS terminal, 24-month software deal]
What you will not compromise: [OFF LIMITS: e.g. product quality, senior stylist's hours]
Any category that has grown lately: [GROWN: e.g. software creep, insurance]
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Before recommending a single cut, sort the categories into three buckets — likely safe to trim, trim only with care, and don't touch — using what matters to this business. Show the sort before the savings.

<task>
1. Go category by category. For each, name the specific saving lever (renegotiate, switch supplier, cancel unused, reduce frequency, buy differently) and the risk of pulling it.
2. Flag the quick, low-risk wins — usually unused subscriptions, duplicate tools that do the same job, silent auto-renewals, and paying monthly where annual is cheaper — as a shortlist to action this week.
3. Mark anything where the saving depends on tax deductibility, GST treatment, or breaking a contract as a question for your accountant or a check of the contract terms. Set these out as questions to ask, not answers to act on.
4. Name two 'false economies' — cuts that usually cost more later, such as under-insuring or dropping the maintenance that prevents a bigger bill — to avoid.
5. Give a sensible order to work through them, starting with the wins that need no one else's sign-off.
</task>

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Sections in this order: THE SORT (three buckets), CATEGORY BY CATEGORY (lever + risk each), QUICK WINS THIS WEEK, ASK YOUR ACCOUNTANT OR CHECK THE CONTRACT, FALSE ECONOMIES, WORKING ORDER. Use only the categories given; never invent dollar amounts, percentages or supplier prices — write [NEEDED: detail] where a number would be needed. Do not state tax or GST rules; flag them as questions. Australian English spelling.
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Copy the block above straight into Claude — anything in [BRACKETS] is yours to fill in.