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How Hackers Keep Access to Your Email After You Change the Password

Summary: Changing the password blocks someone from signing in with the old password. However, they may still have an active session, a forwarding rule, access through a connected app, mailbox permissions, or a recovery method they added.

When someone gets into a business email account, changing the password should happen immediately. Once that is done, the account still needs a full check because other forms of access may remain.

During the time they had access, the attacker may have created a forwarding rule, approved a connected app, added a sign-in method, or granted access to another account. They may also have a browser or email app that is still signed in.

Email deserves particular care because it is connected to so many other services. Password-reset messages for accounting software, cloud storage, social media, and other business systems often arrive by email. Someone who can still read the inbox may be able to reach those accounts too.

That is why current recovery guidance from Microsoft, Google, and the UK National Cyber Security Centre includes several checks beyond changing the password.

Why a New Password May Not Remove Every Form of Access

Email services use sessions so you do not have to enter your password every time you open a message. After you sign in, the service gives your browser or email application a cookie or token that confirms the login has already been approved.

The service can continue accepting that session until it expires or is revoked. This means someone who signed in before the password changed may stay connected for a period of time, depending on the provider and the type of session.

The providers handle password changes differently. Google says that changing a password signs the user out in most places, but it lists exceptions that can include some devices and third-party applications. Google Workspace administrators also have separate controls for suspending an account and resetting its sign-in cookies.

Microsoft takes a similar approach for business accounts. Its guidance tells administrators to disable the affected account during the investigation and revoke active sessions separately.

The password change also leaves mailbox settings in place. A forwarding rule, delegate, or recovery method added while the account was compromised will remain until someone finds and removes it.

An Existing Session May Still Work

An active session is one of the first things your IT provider should check.

IMAGE SOURCE: https://www.pexels.com/photo/smartphone-screen-showing-account-verification-alert-33440144/  

If the attacker signed in through a browser or email application, that session may still hold a valid token. Malware on an employee’s computer can also steal a session cookie and send it to someone else.

A stolen cookie may allow the attacker to use a session that has already passed the normal login checks. In that situation, they may not need to enter the new password.

The administrator should use the email provider’s tools to revoke the account’s active sessions and tokens. The exact name of the control varies between services. It may appear as “revoke sessions,” “reset sign-in cookies,” “sign out everywhere,” or “log out of all devices.”

If malware may be present on the employee’s computer, use another device to begin the recovery process. The affected computer should be checked before the employee signs in again.

Forwarding Rules Can Keep Sending Out Your Email

After closing the active sessions, check what was changed inside the mailbox.

An attacker can create a forwarding rule that sends a copy of every new email to another address. They may also use a filter that only forwards messages containing terms such as “invoice,” “payment,” “bank,” or “password reset.”

More selective rules are harder to notice because most email continues arriving normally. The attacker only receives the messages they are interested in.

Rules can also hide activity. For example, a rule may move security warnings, customer replies, or questions about a payment request into a folder the employee rarely checks.

Both Microsoft and Google tell users and administrators to check forwarding settings and mailbox rules after a suspected compromise.

Microsoft 365 administrators should perform this check through the administration tools, not only from the employee’s Outlook settings. Microsoft specifically recommends reviewing all inbox rules, including hidden ones.

A Connected App May Have Permission to Read the Mailbox

Forwarding rules are one way to keep receiving email. A connected application can provide another.

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Businesses commonly connect email accounts to scheduling tools, customer management systems, mobile email apps, document services, and browser extensions. These connections often use OAuth.

When a user approves an OAuth request, the application receives permission to access certain parts of the account. The application does not need to store the user’s password.

Attackers can misuse this process by creating an application that looks genuine and asking the user to approve it. Microsoft explains that a harmful app consent grant can provide access to email, files, contacts, and forwarding rules.

Some app connections may stop after a password reset, while others need to be removed separately. Review every application connected to the account and remove anything the business does not recognize, use, or approve.

An application’s name and logo do not confirm who created it. Your administrator should check the company behind it and the exact permissions it received.

Someone Else May Have Mailbox Permissions

Business email platforms allow one person to access another person’s mailbox. An executive may give an assistant access, for example, or several employees may work through a shared mailbox.

This type of access is called delegation. A delegate signs in with their own account, so changing the mailbox owner’s password does not automatically remove the delegate.

Exchange Online supports Full Access, Send As, and Send on Behalf permissions. Gmail also supports delegated mailbox access.

Check every person and group with access to the mailbox. Confirm why they need it and remove any permission that the account owner or administrator cannot explain.

Sending permissions need attention too. Someone with “Send As” access may be able to send messages that appear to come directly from the mailbox, even if they cannot read its contents.

Check Recovery and Sign-In Methods

The attacker may have added a phone number, recovery email address, authenticator app, passkey, or security key while they controlled the account.

A recovery method could help them regain access later. An authentication method might also allow them to approve another sign-in without knowing the new password.

Microsoft tells administrators responding to a compromised mailbox to review the user’s registered MFA devices and remove anything suspicious. Google also advises users to check recovery details, recent security activity, devices, and sign-in methods.

Compare every entry with the account owner. Remove anything that neither the employee nor the administrator recognizes.

How to Secure a Compromised Email Account

Some of the settings involved are only visible through the business administration tools. Contact your IT provider or email administrator rather than asking the employee to handle the entire cleanup from their inbox.

Disable or Suspend the Account

The administrator may temporarily disable or suspend the account while checking it. They should also revoke active sessions and tokens so the attacker is signed out.

The employee may lose access for a short time, but leaving the account active gives the attacker more time to read, send, or delete email.

Change the Password

Set a password that has not been used for another account. If the employee reused the old password elsewhere, those accounts need new passwords as well.

Do not send the new password to the affected mailbox. Use a phone call, an approved password manager, or another method your business trusts.

Some older applications use separate app passwords. Microsoft’s current guidance notes that these are not automatically revoked when the main password changes, so your administrator should remove or replace them if they are present.

Review the Mailbox and Account Settings

Check forwarding addresses, inbox rules, filters, blocked addresses, delegates, sending permissions, signatures, automatic replies, and connected applications.

Then review the registered devices, phone numbers, recovery addresses, authenticator apps, passkeys, and security keys.

POP and IMAP access should also be checked. Some businesses still use these settings for approved email applications, so confirm how the account is used before disabling them.

Find Out What Happened

Once access has been removed, work out what the attacker did while they were inside.

Check the Sent, Deleted, Drafts, Junk, and Archive folders. Look for messages the employee did not write, replies they did not see, password-reset emails, and changes to payment instructions.

The administrator should review sign-in logs, audit records, email traces, and security alerts. Start the search before the first known warning because the original compromise may have happened earlier.

A login from an unfamiliar location does not prove that someone else used the account. Mobile networks, VPNs, and internet providers can affect location data. The device, time, IP address, application, and activity around the login provide more useful context when considered together.

Contact Anyone Who May Have Received a Fraudulent Message

If the account sent false messages, contact the recipients through a trusted channel. Tell them which messages were not genuine and whether they need to change a password, delete a file, or ignore a payment request.

Pay particular attention to messages involving bank details, invoices, payroll, gift cards, or password resets.

If money may have been sent to the wrong account, contact the bank or payment provider immediately. Use a phone number from its official website or your existing records rather than one found in the email conversation.

Secure the Account Before Returning It to the Employee

Once the unknown access, settings, and permissions have been removed, the administrator can return the account to the employee.

Require MFA before the employee signs in again. Where the email platform supports them, passkeys and physical security keys provide better protection against phishing than codes that can be entered into a fake login page.

MFA helps prevent another login with a stolen password. The earlier checks are still required because MFA does not remove existing forwarding rules, delegates, connected apps, or recovery methods.

How to Reduce the Risk of Another Compromise

Ask your IT provider to block automatic forwarding to outside addresses unless your business has a reason to allow it. Microsoft 365 and Google Workspace also provide controls for limiting which third-party applications employees can connect.

Require MFA for every email account, especially administrators and employees who handle payments or sensitive information. Use passkeys or physical security keys where the platform supports them.

Employees should report unexpected MFA prompts, unfamiliar login alerts, mailbox changes, and messages sent from their account that they do not recognize. Report these signs as soon as they appear so your IT provider can check the account before more email is sent or deleted.

Frequently Asked Questions

Does changing an email password sign out every device?

It depends on the provider. Some services sign users out of most sessions after a password change, while others provide separate controls for revoking sessions and tokens. Follow the account-compromise instructions for the email service your business uses.

Can someone still receive my email after I change the password?

Yes. A forwarding rule or filter may continue sending them copies of your messages. Check all forwarding settings and mailbox rules.

Can an app access my email without knowing my password?

Yes. An app may receive permission through OAuth, which allows it to access approved account data without storing the password. Review and remove any connected application the business does not recognize.

Should I delete a compromised email account?

The account is usually disabled or suspended while it is secured and investigated. Deleting it could remove information your IT provider needs to work out what happened.

Is MFA enough to secure the account?

No. Local administ MFA helps prevent new sign-ins, but it does not remove mailbox rules, app permissions, delegates, recovery methods, or active sessions that already exist. Those need to be checked separately.

Sources and Further Reading

If you think someone still has access to your business email, contact your IT provider immediately. If you do not have an IT provider, you can always reach out to us and we’ll help you.

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Featured Image Credit

This Article has been Republished with Permission from The Technology Press.

computer being repaired

How Long Business Computers Last and When to Replace Them

Summary: Three to five years is a practical replacement range for many business computers. The right time depends on security support, reliability, performance, warranty coverage, repair costs, and the employee’s work. Replace any computer that cannot run a supported operating system or the software your business requires.

Most business computers do not fail all at once. A laptop may still handle email and documents but take longer to start, struggle during video calls, or run out of battery halfway through the day.

For many office computers, three to five years is a sensible replacement range. Start reviewing each device when it reaches three years old, then decide whether it should be replaced soon or kept for another year or two.

Some computers will need to be replaced sooner because they cannot install a supported operating system, no longer run important software properly, or require frequent repairs. Others may remain useful beyond five years, especially in roles that only involve light office work.

Age helps you plan, but the computer’s security, condition, and suitability for the employee should determine when it is replaced.

Start Reviewing Computers After Three Years

Business computer manufacturers often base their lifecycle planning on replacement periods of around three or four years. Intel’s current refresh program allows employees using computers older than three years to select a replacement suited to their work, while Dell recommends refreshing business computers every three to four years.

These are planning recommendations rather than fixed expiry dates. A secure, reliable three-year-old laptop does not need to be replaced because of its age alone.

The three-year point is a good time to review the warranty, operating-system support, battery condition, repair history, and the employee’s current requirements. If the computer is likely to remain suitable for another year, record the next review date. If several problems have already appeared, include it in the next replacement order.

Reviewing computers after three years gives the business time to budget and avoids replacing several devices at once.

Security Support Comes First

Before looking at speed or battery life, confirm that the computer can run an operating system that still receives security updates.

Once an operating system reaches the end of support, newly discovered vulnerabilities may no longer be fixed. Security software can still provide some protection, but it cannot correct every weakness in the unsupported operating system underneath it.

The Australian Cyber Security Centre’s current system-management guidance says unsupported operating systems and networked equipment should be removed or replaced. The UK National Cyber Security Centre also recommends replacing obsolete products because continuing to use them increases the risk of compromise.

A computer can be physically reliable and still need replacement because its hardware cannot support a current operating system. In that situation, replacing the hardware is usually safer than continuing to use an unsupported system.

Some software companies offer temporary extended security programs after normal support ends. These programs can give a business more time to complete a planned replacement, but they do not extend the computer’s life indefinitely.

Ask your IT provider to check the support status of every operating system at least once a year. They should also confirm that the computers meet the requirements for future versions before the current one reaches its support deadline.

Match the Computer to the Employee’s Work

An employee who mainly uses email, documents, and browser-based applications may be comfortable using an older computer. Someone working with large spreadsheets, design files, video, engineering software, or several applications at once may need more recent hardware.

Review performance while the employee is completing normal work. A computer may need attention if applications regularly take too long to open, video calls become unstable, or the employee has to close programs before opening another one.

Ask the employee how often the computer interrupts their work. A slow startup once a week is different from delays that happen throughout the day.

Software requirements also change. Accounting systems, security tools, web browsers, and industry applications may stop supporting older operating systems or processors. Even if the application still opens, the software provider may no longer test or support that setup.

Check the hardware requirements before renewing an important application or moving the business to a new platform. This gives you time to identify which computers need an upgrade or replacement before the software changes.

Check the Cause Before Replacing a Slow Computer

Poor performance does not always mean the computer is too old.

A full storage drive, insufficient memory, unnecessary startup programs, malware, overheating, or a damaged operating system can all make a computer slow. A failing storage device may cause similar symptoms and should be dealt with quickly.

Ask your IT provider to identify the cause before approving a replacement. Maintenance, a software repair, additional memory, or a new storage drive may return the computer to normal performance.

The computer’s age and remaining support life still need to be considered. Spending money on an upgrade makes little sense if the device will soon lose operating-system support or if several other parts are already failing.

Include Reliability and Repair Costs

One repair may not justify replacing a computer, but repeated repairs change the calculation.

Unexpected shutdowns, failed updates, charging faults, damaged ports, storage errors, display problems, and recurring operating-system repairs can make a computer unreliable even when each individual issue seems manageable.

Review support requests by device. Add the repair bills, IT support charges, and the time the employee could not work normally. A repair that appears cheaper than a replacement may provide poor value if another problem is likely to follow.

The importance of the employee’s role also affects the decision. A failed computer can be particularly disruptive for someone who travels, meets customers, processes payments, or performs work that cannot quickly be moved to another device.

Keeping a prepared spare computer can reduce that downtime. The spare should still receive updates, run the required software, and be checked regularly.

Consider the Warranty and Availability of Parts

A computer does not automatically need replacement when its warranty expires, but the business becomes responsible for repair costs and may wait longer for service.

Review the warranty before it ends. Check whether an extension is available, what it covers, and how quickly the manufacturer will respond. Compare the price of extended coverage with the age and value of the device.

Manufacturers also limit how long they provide replacement parts and repairs. These periods differ by model, product type, and country, so check the policy for the exact computer rather than relying on a general rule for the brand.

Parts availability matters more when the business does not keep spare devices. A simple repair can still create several days of downtime if a component must be ordered.

A Battery Replacement May Extend a Laptop’s Life

Laptop batteries lose capacity with use and age. A device that once lasted most of the working day may eventually need to stay connected to a charger.

This may not affect an employee who works at a desk, but it can make the laptop unsuitable for someone who travels or works at customer locations.

Replacing the battery may be worthwhile if the computer remains supported, performs well, and is otherwise reliable. Check the full repair cost and whether parts are available before deciding.

Stop using a laptop if the battery is swollen, unusually hot, or changing the shape of the case. A damaged battery should be inspected and replaced by someone with the right equipment and experience.

Decide Whether to Upgrade or Replace

Some computers can be improved by adding memory, replacing storage, or installing a new battery. Others use parts that are difficult or uneconomical to replace.

An upgrade is reasonable when one component is causing the problem and the computer still has several years of security and software support ahead of it. Additional memory, for example, may help an employee who needs to keep several large applications open.

Calculate the complete upgrade cost, including parts, installation, data backup, and testing. Then compare it with the cost and expected life of a replacement.

A new computer will usually include a new warranty and may be easier for your IT provider to manage. An upgrade may still be the better choice when it solves a specific problem at a reasonable cost.

Older Computers Can Be Used in Less Demanding Roles

A computer that no longer suits one employee may still be suitable for another role.

A device used for design or data work could be reassigned to an employee who mainly uses email and browser-based applications. It must still receive security updates, run the required software, and remain reliable.

Before reassigning it, remove the previous employee’s data and accounts. The computer should be reconfigured for the new user, updated, checked for faults, and added to the asset inventory under its new assignment.

Do not reassign a computer that is unsupported or already causing regular support problems. Moving it to another employee only delays the same replacement.

Create a Replacement Schedule

Keep a record of each computer’s purchase date, model, assigned user, warranty expiry, operating system, and expected review date.

When a computer reaches three years old, check whether it can continue receiving security updates, whether it still runs the required applications, and how often it has needed support. Review its battery, warranty, repair costs, and the employee’s workload at the same time.

Assign a planned replacement year based on those findings. Review the date again if the employee changes roles, software requirements increase, or the operating system’s support timetable changes.

Spreading purchases across several budget periods is easier than replacing a large group of computers in one year. It also gives your IT provider time to order, configure, and test the new equipment.

Standardizing on a small number of approved models can simplify the process. Employees can share compatible docks, chargers, and accessories, while your IT provider can maintain consistent security settings and prepare spare devices more quickly.

Different roles may still need different models. A general office computer will not necessarily meet the needs of someone working with video, design, or specialist technical software.

Prepare the New Computer Before Retiring the Old One

Back up or transfer the employee’s business data before removing the old computer.

Confirm that the new device has the required email, documents, bookmarks, applications, printers, and shared folders. Check that multifactor authentication and any specialist software are working before the employee starts relying on it.

Once the move is complete, remove the old computer from device management, security monitoring, backup systems, and trusted-device lists. Cancel or reassign licenses that were tied to it, then update the asset inventory.

Keeping an old computer for a short transition period may be useful. Leaving it connected and unmanaged for months creates more equipment for the business to maintain and secure.

Remove Business Data Before the Computer Leaves

Deleting files or removing the employee’s account does not guarantee that all business data has been erased.

Storage should be sanitized before a computer is sold, donated, recycled, returned, or discarded. The correct method depends on the storage technology, encryption, and sensitivity of the information.

NIST Special Publication 800-88 Revision 2, published in September 2025, provides current guidance on selecting appropriate data-sanitization methods.

The Australian Cyber Security Centre also recommends backing up required information, unlinking accounts, removing removable media, and erasing the device. Businesses handling particularly sensitive information should consider using a professional data-destruction service.

Keep a disposal record containing the computer’s asset number, serial number, disposal date, and the method used to remove its data.

Six Questions to Ask During a Computer Review

  1. Can the computer run an operating system that still receives security updates?
  2. Does it support the software the employee needs?
  3. Does it handle the employee’s normal workload without regular delays?
  4. Has it required repeated repairs or support?
  5. Is it still covered by a suitable warranty, or are parts readily available?
  6. Would an upgrade provide enough useful life to justify its cost?

If the computer fails the security or software-support checks, plan to replace it. For performance and repair issues, compare the cost of fixing the device with the likely cost of keeping it for another year.

Frequently Asked Questions

How many years should a business laptop last?

Three to five years is a practical planning range for many business laptops. Replace one sooner if it becomes unreliable, cannot receive security updates, or no longer meets the employee’s requirements. A supported laptop may remain useful for longer in a less demanding role.

Should every computer be replaced at the same age?

No. Review computers based on their condition and use. A laptop carried between customer sites every day may need replacement sooner than a desktop used occasionally for basic office work.

Is a slow computer always ready for replacement?

No. Low storage, insufficient memory, malware, overheating, or an operating-system problem may be responsible. Have the cause checked before deciding whether to repair, upgrade, or replace the computer.

Should a computer be replaced when its warranty ends?

Not automatically. Review its condition, support status, repair history, importance to the employee, and the availability of spare equipment. The end of the warranty is a suitable time to perform that review.

Can an old computer be kept as a spare?

Yes, provided it remains supported, reliable, updated, and properly managed. Check spare computers regularly and confirm that they can still run the software employees need.

Can a business sell or donate an old computer?

Yes, but all business data must be removed first. Use a suitable sanitization process and keep a record showing how and when the computer was disposed of.

Sources and Further Reading

Ask your IT provider to review the age, support status, and condition of your business computers. And if you don’t have an IT provider, feel free to reach out to us and we’ll help you sort it out.

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Featured Image Credit

This Article has been Republished with Permission from The Technology Press.

two women with laptops

Small Business IT Budget: What to Include and How to Plan It

Summary: Your IT budget should include the technology you already use, the support required to maintain it, and the upgrades you expect to make during the year. It should also cover cybersecurity, backups, employee changes, planned projects, and a reserve for urgent repairs or replacements.

If your IT budget only covers computers, Microsoft 365, and the occasional repair, it is probably missing several costs.

Your business may also be paying for software subscriptions, cloud storage, backups, security tools, internet services, phone systems, websites, network equipment, staff training, and outside IT support.

Some of those costs appear every month. Others arrive once a year or only when equipment needs to be replaced. Without a complete budget, an annual renewal or failed computer can become an expense the business did not prepare for.

A detailed IT budget shows what you are paying for now, what will need to be replaced, and which improvements are planned for the year.

There Is No Standard IT Budget for Every Small Business

Online benchmarks often suggest spending a certain percentage of revenue on technology. That percentage may have little connection to what your business needs.

A ten-person law firm, a retailer, and a manufacturing business can have similar revenue but completely different systems. The number of employees, business locations, devices, cloud services, security requirements, and customer obligations all affect the budget.

Consider how much the business depends on each system. If losing internet access would stop customer payments, the internet connection needs more attention than it would in a business that can continue working offline. If employees work with sensitive financial or health information, security and compliance costs may be higher.

Calculate the cost of the systems your business needs first. Revenue-based benchmarks can then provide context, but they should not determine the budget.

Start With a Complete Technology Inventory

You cannot budget properly if you do not know what the business owns and pays for.

Create an inventory of computers, phones, tablets, printers, servers, network equipment, software, cloud services, websites, domains, backup systems, and phone services.

Record who uses each item, what it costs, when it renews, who manages it, and how important it is to the business. Include the supplier, contract term, billing frequency, and account owner.

The NIST Cybersecurity Framework 2.0 Small Business Quick Start Guide recommends maintaining an inventory of hardware, software, systems, and services. It also recommends recording the effect on the business if an important asset becomes unavailable.

Check invoices, company credit cards, bank statements, app stores, and department expenses. Software purchased directly by an employee may not appear in the main IT records.

The inventory may reveal duplicate services, licenses assigned to former employees, equipment that no longer receives updates, or subscriptions that no one uses.

Budget for Computers and Other Equipment

Include every physical device the business expects to purchase or replace during the year.

The cost of a new computer may also include monitors, docking stations, keyboards, headsets, webcams, carrying cases, warranty coverage, and delivery.

The device will need to be prepared before an employee can use it. Setup may include installing software, applying security settings, creating user accounts, transferring data, connecting printers, and testing access to business systems.

Other equipment may include mobile phones, tablets, printers, scanners, payment terminals, security cameras, wireless access points, network switches, firewalls, and battery backup units.

Keep a record of each device’s purchase date, warranty status, operating system, and expected replacement date. Replacing a planned number of computers each year is easier to budget for than waiting until several become unreliable at the same time.

Remember to include spare equipment. A prepared spare laptop can reduce downtime when a device is damaged or fails.

Old equipment also creates costs. Business data must be securely removed before a computer, phone, or storage device is sold, recycled, returned, or discarded.

Include Software and Cloud Subscriptions

List every subscription used by the business.

These may include email and productivity software, accounting systems, customer management platforms, industry-specific applications, electronic signature services, password managers, security software, backup services, cloud storage, device management, website hosting, and domain registrations.

Check whether each service is billed monthly or annually. Several annual renewals arriving in the same month can affect cash flow even when the monthly equivalent appears affordable.

Record the renewal date and current number of licenses. Remove licenses assigned to former employees, unused accounts, and duplicate services. Confirm whether the provider requires a minimum number of users or an annual commitment.

Allow for hiring during the year. A new employee may need more than an email license. They could also require security software, cloud backup, a business phone number, device management, and access to specialist applications.

Storage and usage charges also need attention. Some cloud services charge more when the business stores additional data, sends more messages, adds locations, or uses advanced features.

Review what is included in each subscription. Support, backup, security, data retention, and reporting may require a more expensive plan or a separate service.

Account for Employee Onboarding and Offboarding

A new employee may need a computer, accessories, software licenses, security tools, user accounts, phone services, and setup work. If the role is new, the business may also need additional storage, internet capacity, or specialist software.

When someone leaves, their access must be removed, company information transferred, equipment collected, and software licenses canceled or reassigned. The business may need to preserve email or files for operational, legal, or compliance reasons.

Contractors and temporary staff also create costs. Even when they use their own equipment, they may still need accounts, secure access, software, and support.

Estimate the expected number of new starters and departures during the budget period. Include both the technology and the work required to manage those changes.

Decide How You Will Pay for IT Support

Your business may use a managed IT provider, employ internal IT staff, pay for support when needed, or combine these approaches.

For managed IT services, confirm exactly what the monthly agreement covers. It may include help desk support, monitoring, software updates, device management, user administration, security tools, vendor support, and routine maintenance.

Ask which services are billed separately. Projects, after-hours work, office moves, major upgrades, equipment installation, and support for specialist applications may sit outside the regular agreement.

If you pay for support as needed, review the previous two or three years of invoices. Include emergency work, not just routine maintenance. Check how much was spent after equipment failures, account problems, internet outages, and security incidents.

Internal IT costs may include salaries, benefits, recruitment, training, certifications, and cover during holidays or illness. A single internal employee may still need outside help for specialist projects or serious incidents.

Set Aside Money for Cybersecurity

Cybersecurity spending should be clearly identified in the budget, even when some services are included in your software licenses or IT support agreement.

Your cybersecurity budget may include endpoint protection, email filtering, multifactor authentication, password management, device management, security monitoring, software updates, vulnerability checks, staff training, and incident-response planning.

The correct controls depend on the systems you use, the information you hold, and the damage a security incident could cause.

A business that stores customer payment details or confidential client records may need more protection than one that holds little sensitive data. Regulations, customer contracts, and cyber insurance requirements may also affect what must be implemented.

The NIST Cybersecurity Framework 2.0 covers six areas: governing cybersecurity risk, identifying important systems, protecting them, detecting incidents, responding, and recovering. Use those areas to check whether the budget covers more than preventive security software.

Not every small business needs every security product. Ask your IT provider to explain which controls are recommended, which risks they address, and whether they are already included in another service.

Include Backup and Recovery Costs

Budget for the entire backup and recovery process, not only the storage used to hold backup copies.

Costs may include backup software, cloud storage, isolated copies, monitoring, restore testing, and professional help during recovery.

Confirm what is being backed up. Important information may be stored on employee computers, servers, cloud platforms, accounting systems, websites, mobile devices, and specialist applications.

Do not assume every cloud service retains deleted or damaged information for as long as your business requires. Review the provider’s retention periods and recovery features. If those options do not meet your needs, include a separate backup service in the budget.

Backups also need to be tested. A successful backup notification shows that a task ran. A restore test confirms that the data can be recovered and used.

The UK National Cyber Security Centre recommends regularly backing up essential information and testing that it can be restored.

Allow for storage growth. If your business creates more files, emails, recordings, images, or customer records each year, backup costs may increase as well.

Budget for Internet and Network Equipment

Include your internet service, routers, firewalls, switches, wireless access points, cabling, and any support or security subscriptions attached to that equipment.

If losing internet access would stop the business from working, consider the cost of a backup connection. Compare that cost with the revenue, wages, and customer service time that could be lost during an outage.

Ask whether the backup connection uses a different type of service or supplier. Two connections may still depend on the same local infrastructure, which means one fault could affect both.

Review whether your current connection can support expected hiring, cloud applications, video calls, backups, and customer Wi-Fi. A service that works for ten employees may not be suitable after the business grows.

Network equipment requires software updates and eventual replacement. Record the support status of routers, firewalls, switches, and wireless access points. Equipment that no longer receives security updates should be scheduled for replacement.

Include installation and configuration costs. New equipment must be secured, connected to existing systems, documented, and tested before it is ready to use.

Include Phones and Communication Services

Phone and communication costs may be billed separately from other IT services, but they still belong in the technology budget.

Include business phone systems, mobile plans, phone numbers, call recording, voicemail, video conferencing, messaging, and contact-center services.

Check whether the service charges per user, phone number, call, recording, or storage amount. International calling, premium support, and additional features may create separate charges.

Include phones and headsets for new employees. If the business records calls, budget for the required storage, access controls, and retention settings.

Check when contracts end and whether equipment must be returned. Changing phone providers may also involve setup, number transfers, staff training, and temporary overlap between the old and new services.

Include Website, Domain, and Online Service Costs

These can include domain registration, website hosting, security certificates, website maintenance, software updates, plugins, backups, online forms, analytics, and email delivery services.

Confirm who owns the domain and website accounts. They should be registered to the business rather than an employee, contractor, or web developer.

Record domain renewal dates and enable appropriate renewal notifications. Losing control of a business domain can interrupt the website, email, and other services connected to it.

If the website accepts payments, bookings, or customer information, include the cost of maintaining its security and testing that it works.

Budget for Staff Training

Employees need training on the systems they use and the security risks they may encounter.

The budget may include cybersecurity awareness training, phishing simulations, training for new software, and instructions for employees who handle sensitive information or approve payments.

Training should also cover what employees must do when they receive a suspicious request, lose a device, send information to the wrong person, or notice unusual activity.

The Australian Cyber Security Centre’s Small Business Cyber Security Guide includes employee training and awareness as part of protecting a business from email attacks.

Include the time employees need to complete training. Even when the training platform is inexpensive, staff still need time during the working day to use it.

New systems may require additional training. Include that cost in the project budget instead of assuming employees will learn the software without support.

Allow for Compliance, Contracts, and Cyber Insurance

Your industry, location, customer contracts, or insurance policy may require specific technology and security controls.

Costs may include security assessments, audits, policy reviews, vulnerability testing, data-retention changes, access reviews, incident-response exercises, or independent certifications.

A customer may ask your business to complete a security questionnaire before signing or renewing a contract. Answering it may reveal controls that need to be introduced.

Cyber insurance applications may also ask about multifactor authentication, backups, endpoint protection, email security, employee training, and incident-response planning.

Review upcoming renewals and audits before approving the budget. This gives the business time to obtain quotes and complete required work.

Legal and compliance requirements differ between countries and industries. Confirm your obligations with the appropriate legal, compliance, insurance, and IT advisers.

Plan for Technology Projects

Keep planned projects separate from normal operating costs.

Projects may include moving offices, opening another location, replacing a server, changing phone systems, improving Wi-Fi, moving data to a new cloud service, or introducing a new business application.

Estimate the complete project cost. Include planning, licenses, equipment, implementation, data transfer, testing, training, temporary services, and support after launch.

Some projects require two systems to run at the same time while information is moved and employees are trained. Include that overlap in the budget.

Ask department managers what changes they expect during the year. A new service introduced by one department may require additional security, storage, integration, backup, and support work.

Business.gov.au recommends including both upfront and ongoing costs when preparing a digital budget. Check what the project will cost after the initial work is complete.

Review Supplier Contracts and Renewal Dates

Record the contract owner, renewal date, notice period, billing method, and cancellation process for each major supplier.

Some services renew automatically. Others require advance notice if you want to reduce licenses or cancel the agreement.

Check whether prices can change during the contract and whether the agreement includes minimum quantities. If the business expects to reduce staff or stop using a system, make sure the contract allows the licenses to be reduced.

Confirm how data can be exported and what happens when the service ends. A cheaper replacement may still involve migration, setup, training, and temporary overlap costs.

Do not leave important technology accounts tied to one employee’s personal email address or payment card. The business should retain access if that person leaves.

Keep a Reserve for Unplanned Costs

A laptop may be damaged, a firewall may fail, an employee may need urgent replacement equipment, or a technical problem may require work outside the support agreement.

There is no reserve percentage that suits every business. Base the amount on realistic costs, such as replacing an essential computer, obtaining emergency support, or restoring an important service.

Review unplanned IT spending from previous years. Use those figures when deciding how much to set aside.

The reserve should be separate from planned replacements. A computer already scheduled for replacement is not an unexpected cost.

Separate Recurring Costs From One-Time Costs

Recurring costs include software subscriptions, support agreements, internet services, phone systems, backup services, security tools, and equipment leases.

One-time costs include new equipment, migrations, office moves, installation work, and major upgrades.

Record annual subscriptions separately from monthly ones so that the business knows when larger payments are due.

You may also need to separate operating expenses from capital purchases for accounting and tax purposes. The rules vary by location, so confirm the correct treatment with your accountant.

How to Build Your Small Business IT Budget

  1. Create an inventory of your hardware, software, services, suppliers, and contracts.
  1. Record current monthly and annual costs, renewal dates, and notice periods.
  2. Identify equipment that needs to be replaced during the budget period.
  3. Estimate hiring, departures, new locations, and other business changes.
  4. Add support, cybersecurity, backup, training, compliance, and recovery costs.
  5. Create separate budgets for planned technology projects.
  6. Add a reserve based on realistic emergency support and replacement costs.
  7. Review the completed budget with your IT provider and accountant.

Record who approved each item and who is responsible for managing it. Review actual spending during the year instead of waiting until the next annual budget.

Review the Budget During the Year

Check the budget at least every quarter.

Compare actual invoices with the amounts expected. Look for new subscriptions, unused licenses, supplier price changes, additional storage charges, and projects that cost more or less than planned.

Update the forecast when the business hires employees, changes locations, introduces new services, or signs a contract with new security requirements.

A quarterly review also gives you time to plan for upcoming annual renewals. It is easier to compare providers or change services when the renewal deadline is still several months away.

Frequently Asked Questions

How much should a small business spend on IT?

There is no reliable percentage for every small business. Calculate the cost of the equipment, services, security, support, and projects your business needs. Industry benchmarks can provide context, but they should not replace a budget based on your operations and risks.

Should cybersecurity have a separate budget?

Cybersecurity costs should be clearly identified, even when some are included in software licenses or an IT support agreement. This makes it easier to see which protections are funded and which improvements still require approval.

How often should the IT budget be reviewed?

Review it at least annually when preparing the budget and quarterly during the year. Update it after significant hiring, office moves, new systems, supplier changes, or new compliance requirements.

Should equipment purchases and monthly services be combined?

Include both in the overall IT budget, but record them separately. This makes recurring operating costs easier to distinguish from one-time purchases and projects.

What costs are commonly left out of an IT budget?

Setup work, employee onboarding and offboarding, backup testing, staff training, security reviews, equipment disposal, project work, subscription increases, and urgent replacements are commonly overlooked.

Who should prepare the IT budget?

The business owner or finance team should work with the person responsible for IT. Department managers should also provide information about hiring, new software, planned projects, and changes to business operations.

Sources and Further Reading

Ask your IT provider to review the budget before you approve it. And if you don’t have an IT provider, feel free to reach out to us and we’ll help you sort it out.

—

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This Article has been Republished with Permission from The Technology Press.

white wifi router

Why Guest Wi-Fi Should Be Separate From Your Business Network

Summary: Guest Wi-Fi should provide internet access while blocking connections to your internal business network. A different Wi-Fi name and password do not confirm that the networks are separated. The router, access points, and firewall must also be configured to prevent guest devices from reaching internal systems.

Offering Wi-Fi to customers, contractors, and visitors is convenient. But their phones and laptops should not connect to the same network as your business computers, printers, security cameras, servers, and file storage.

Even when you trust the person, you do not control their device. You do not know whether it has current security updates, whether it contains malware, or who else has used it.

A properly configured guest network gives visitors internet access without allowing their devices to communicate with your business systems.

What Separate Guest Wi-Fi Means

When someone connects to your guest Wi-Fi, they should be able to browse the internet, use email, and access online services. They should not be able to connect to anything on your internal network.

That includes:

  • Business computers and servers
  • Network printers
  • File storage and backup devices
  • Security cameras
  • Building access systems
  • Router and network management pages
  • Other devices using the guest network

The Australian Cyber Security Centre recommends separating an organization’s internal network from the guest Wi-Fi used by unmanaged devices.

Both networks can use the same internet connection. The settings that separate them are configured in your network equipment, such as the router, firewall, switches, or wireless access points.

Why One Shared Network Creates Unnecessary Risk

Connecting to the same network does not automatically give a visitor access to every business file. Your passwords, device security settings, and user permissions still apply.

However, a device on the same network may be able to find or contact systems that it does not need to use. This could include a printer, shared folder, storage device, camera, or poorly protected management page.

An infected device may also try to connect to other devices on the network. If the network is divided into separate sections, those connections can be blocked before they reach your business systems.

The UK’s National Cyber Security Centre explains that network segmentation restricts movement between systems. If one device is compromised, separating the network reduces the number of other systems it can contact.

Separating the networks reduces risk by blocking access that visitors and unmanaged devices do not need.

A Different Wi-Fi Name May Not Be Enough

Your business Wi-Fi and guest Wi-Fi may appear as two different names when someone opens the Wi-Fi menu on their phone. Those names are called SSIDs.

A second SSID does not confirm that the devices are properly separated. The settings behind it must place guest devices on a separate network and block access to internal systems.

Business networking equipment commonly uses a separate virtual network, known as a VLAN, for guest traffic. Firewall rules then prevent that traffic from reaching private network addresses. Some small-business routers handle this automatically when guest mode is enabled.

Cisco’s current guidance describes guest Wi-Fi as a separate SSID connected to its own VLAN, with guests limited to internet access. Its small-office reference design also uses firewall rules to deny guest access to local networks.

The exact settings depend on your equipment. Look for terms such as:

  • Guest network
  • Network isolation
  • Deny local network access
  • Client isolation
  • VLAN
  • Guest firewall rules

If you only see a second Wi-Fi name and password, ask your IT provider to confirm what guest devices can reach.

Should Guest Devices Be Able to Connect to Each Other?

Guest devices should usually be blocked from communicating with one another.

This setting may be called client isolation, wireless isolation, peer-to-peer blocking, or Layer 2 isolation.

Without it, one visitor’s laptop may be able to contact another visitor’s device on the same guest network. Blocking those connections provides additional protection for everyone using the Wi-Fi.

Client isolation and business-network separation are two different controls. Client isolation blocks communication between guests. Network separation blocks communication between guests and your internal systems. A business guest network should normally use both.

Where Should Employee Phones and Personal Laptops Connect?

A personal phone that only needs internet access can usually use the guest network. The same applies to a personal laptop that does not need to connect to internal business systems.

If employees use personal devices to access company files, applications, or internal systems, the business needs a clear bring-your-own-device policy. Those devices may require security software, device management, encryption, and specific access rules.

An employee-owned device should not receive unrestricted network access unless the work requires it.

Company-owned and managed devices can use the business network if they need access to internal resources. Personal and unmanaged devices should use a restricted network unless there is a business reason to provide additional access.

What About Smart TVs, Cameras, and Other Connected Devices?

Smart TVs, speakers, cameras, thermostats, digital displays, and similar products often need internet access but do not need to communicate with your computers.

These devices can be placed on a separate network for connected devices. Some smaller businesses use the guest network for this purpose, although that may not work if the devices need to communicate with a controller, phone, or local recording system.

The right setup depends on how the devices work. A smart TV or security camera should not be able to reach business computers just because it uses the same router.

CISA’s network-segmentation guidance notes that separate networks can be used for guests, connected devices, personal computers, and work computers.

How to Check Your Guest Wi-Fi

Use these five checks to confirm that the network is set up correctly:

  1. Check which devices use each network. Business computers and other managed equipment should use the business network. Visitors and unmanaged devices should use the guest network.
  2. Confirm that local network access is blocked. Guest devices should not be able to connect to printers, file storage, cameras, servers, or network management pages.
  3. Check whether guest devices are isolated from each other. Enable client isolation or the equivalent setting if your equipment supports it.
  4. Review the Wi-Fi security settings. The Australian Cyber Security Centre recommends WPA3, WPA3 transition mode when compatibility is required, or WPA2 when WPA3 is unavailable. Use a guest password that is different from your business Wi-Fi password.
  5. Check the router and access points. Install current firmware, enable automatic updates when supported, replace default administrator credentials, and replace equipment that no longer receives security updates.

Test the guest network again whenever the router, firewall, switches, or wireless access points are replaced or reconfigured.

Do You Need a Separate Internet Connection?

Most small businesses do not need to pay for a second internet connection just for visitors.

A suitable business router or firewall can use one internet connection while keeping the internal and guest networks separate. The guest network can also have its own speed limit so that visitor traffic does not use all the available bandwidth.

Very small or older routers may not support proper isolation. Some provide a guest Wi-Fi option but offer limited control over what guests can access. Check the manufacturer’s documentation or ask your IT provider to test the configuration.

Keep the Guest Password Separate

Do not use the same password for your guest and business Wi-Fi networks.

Sharing the business password with visitors makes it harder to control who can reconnect later. It also means changing the password on every company device if the password needs to be replaced.

A separate guest password can be changed without disconnecting business equipment. Change it when too many people know it, after a large event, or when a contractor no longer needs access.

The password protects access to the guest network. It does not replace network separation.

Frequently Asked Questions

Is a guest Wi-Fi password enough to protect my business network?

No. The password controls who can connect to the guest Wi-Fi. Your equipment must also block guest devices from reaching the internal business network.

Can guests use the same internet connection as employees?

Yes. The networks can share one internet connection while remaining separated inside the router, firewall, and wireless equipment.

Should employees connect their personal phones to guest Wi-Fi?

If the phones only need internet access, the guest network is usually the safer option. Devices that need access to company systems should follow your business’s device and access policies.

Can visitors use a network printer?

Guest access to printers should normally be blocked. If visitor printing is necessary, your IT provider can set up a controlled method without giving guests access to the rest of the business network.

Does guest Wi-Fi prevent cyberattacks?

No. It reduces unnecessary access and can limit how far a compromised device can reach. Your business still needs secure passwords, multifactor authentication, software updates, endpoint protection, backups, and appropriate access controls.

Sources and Further Reading

Ask your IT provider to confirm that your guest Wi-Fi is properly separated from your business network. And if you don’t have an IT provider, feel free to reach out to us and we’ll help you sort it out.

—

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This Article has been Republished with Permission from The Technology Press.

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What Happens to Your Data When You Cancel a Cloud Service?

Summary: Before canceling a cloud service, export your data and confirm that the files can be opened or imported. Move any connected applications and sign-ins, then check the provider’s current rules for access, billing, retention, and deletion.

A cloud service may hold years of customer records, documents, emails, invoices, project history, or staff activity.

If you cancel before moving that information, employees may lose access before the business has a usable copy. Some providers give administrators more time to retrieve data. Others restrict access or begin deleting information after cancellation.

The rules depend on the service, subscription, contract, and how the account was purchased. Check the provider’s current terms before setting a cancellation date.

What can happen after you cancel

Canceling a subscription may stop employees from signing in, make applications read-only, or leave data available only to administrators. Some services begin a retention period before deletion, while others remove data sooner.

Billing may also continue until the end of an annual or fixed-term contract. Canceling through a reseller may follow a different process from canceling a subscription purchased directly from the software company.

Microsoft 365 business subscriptions pass through several lifecycle stages after they end. Access and timing depend on how the subscription was purchased. Microsoft advises customers to back up their information before it is deleted. Microsoft 365 subscription guidance

Google also tells Workspace customers to export the information they want to keep before canceling. Its guidance states that third-party application data is not automatically deleted when a Workspace subscription is canceled. Google Workspace cancellation guidance

Check the rules for the service you are canceling instead of relying on a general retention period.

Check the provider’s cancellation rules

Read the provider’s current documentation and your contract before you cancel.

Confirm when employee access will stop and whether administrators will still be able to retrieve data. Check how long the information will remain available, what the export includes, and whether the export must be requested before cancellation.

You should also confirm whether the account can be reactivated, when billing stops, and what steps are required to delete the account. Ask whether the provider will confirm the deletion in writing.

Contact the provider if its published documentation does not answer these questions. Keep a copy of the response with your cancellation records.

If the service was purchased through a reseller or IT provider, ask them to confirm the process and the final date of access.

Export all the information your business needs

Start by identifying what the service contains. Depending on the application, this could include customer details, documents, attachments, emails, calendar entries, invoices, support tickets, project history, reports, or audit records.

Do not assume the standard export includes everything. Some services export the main records but leave out attachments, comments, user permissions, deleted items, application settings, automation rules, or activity history.

Read the provider’s export documentation so you know what will be included. Contact the provider if important information is missing from the standard export.

Use a business-owned administrator account to request and download the files. Store them somewhere controlled by the business rather than leaving the only copy in an employee’s personal downloads folder.

Large exports may take time to prepare. Start early enough to investigate missing files or failed downloads before access ends.

Test the files before canceling

Open a sample of every file type you exported. Check that attachments are present, dates are correct, and text can be read. Look for broken links, incomplete records, or files with no clear connection to the customer or project they belong to.

If you are moving to another service, test the import before canceling the old one. Check names, contact details, dates, notes, attachments, custom fields, open tasks, historical transactions, and user permissions.

A CSV file may contain the words and numbers while leaving out the relationships between records. For example, customers and invoices might appear in separate files without preserving the links between them.

Import a small set first. Ask employees who use the system to check the result before the remaining information is moved.

Check connected applications and sign-ins

Cloud services often exchange information with other systems. A website form may send enquiries into the service you are canceling. Your accounting software may import invoices from it. Reports, email campaigns, payment notifications, and scheduled tasks may also rely on that connection.

List the systems that send information into the service and those that receive information from it. Include mobile apps, browser extensions, automated workflows, API connections, file storage, calendars, and reporting tools.

Move or disable each connection before the account closes. Test the replacement process to confirm that new records arrive in the correct place and scheduled tasks still run.

Employees may also use the service to sign into other applications. This happens when they choose options such as “Sign in with Google” or “Sign in with Microsoft.”

Add another sign-in method before canceling the original service. Confirm that the business controls the administrator and recovery details for every connected account.

After the move is complete, revoke old access tokens, API keys, and application connections.

Keep the records your business is required to retain

Your business may need to keep financial records, contracts, customer communications, consent records, project files, or employee information for a set period.

The requirements depend on the type of information, your industry, your contracts, and the countries where you operate. Speak with your accountant, legal adviser, or compliance specialist before deleting records that may need to be retained.

Document what was exported, when it was downloaded, who checked it, and where it is stored. Keep the cancellation confirmation, final invoice, and any written response from the provider about deletion.

Set a retention period for the exported files. Delete them securely when the business no longer needs them.

Ask how the provider will delete your data

Canceling a subscription and deleting an account may be separate actions.

Ask what will happen to active customer data, deleted records, backups, audit logs, account information, billing records, and support tickets. Confirm whether any subcontractors also store or process your information.

A provider may remove information from its active systems before the same information ages out of protected backups. Those backup copies may remain until the provider’s normal backup retention period ends.

The provider may also need to retain some information for billing, fraud prevention, security, or legal reasons. Ask what will remain, why it will remain, and when it will be deleted.

The NCSC recommends making sure supplier contracts state how information and assets will be returned or deleted when a contract ends or moves to another supplier. NCSC supply chain guidance

For important systems, request written confirmation when the account and customer data have been deleted.

How to cancel a cloud service without losing your data

1. Choose an owner and set the dates

Give one person responsibility for the move. Review the contract and allow enough time for exporting, testing, training, and fixing any failed connections.

2. Record what uses the service

List the information stored in the service, the employees who use it, and every application connected to it. Check whether employees use the account to sign into other services.

3. Export and store the data

Use the provider’s administrator export tools. Save the files in a business-controlled location and protect them according to the type of information they contain.

4. Test the export and the replacement

Open the files and check the information. Import a small set into the replacement service and ask employees to confirm that the records are correct.

5. Move connected services and employees

Update forms, automated processes, reports, sign-in methods, and integrations. Give employees access to the replacement and test the work they perform every day.

6. Cancel the subscription

Cancel after the data and business processes have been checked. Save the confirmation, final invoice, and provider correspondence.

7. Remove old access and confirm deletion

Revoke old integrations and remove unneeded user accounts. Ask the provider to confirm what will be deleted, what it must retain, and when the deletion will be completed.

Frequently asked questions

How long will a cloud provider keep our data after cancellation?

There is no standard period. It may depend on the provider, service, plan, contract, purchase method, and reason the account ended.

Check the current documentation and obtain written confirmation for important systems.

Is a data export the same as a backup?

An export can provide a retained copy when it contains the information you need, can be opened, and is stored securely.

Some exports leave out settings, permissions, relationships, audit records, or unsupported file types. Test the files before relying on them.

Can we reactivate the service later?

Some providers offer a reactivation period. Others do not guarantee recovery after cancellation or deletion.

Export and test your information before canceling.

What if the provider closes the service?

Keep current exports of important information while the service is active. You may have little time to move if a provider closes, sells the product, or ends the service.

Will cancellation stop billing immediately?

That depends on the contract. Monthly plans, annual commitments, reseller agreements, and fixed-term subscriptions may use different billing rules.

Confirm the final payment and service date before approving the cancellation.

Sources and further reading

Before canceling a cloud service, ask your IT provider to check the export, connected applications, and employee sign-ins.

And if you don’t have an IT provider, feel free to reach out to us and we’ll help you sort it out.

—

Featured Image Credit

This Article has been Republished with Permission from The Technology Press.