Practical insights from people who've actually dealt with the messy bits of managing finances, dealing with tax season headaches, and keeping everything running smoothly.
Late payments are brutal. I've seen businesses fold not because they weren't profitable, but because customers paid 90 days late. There's a difference between profit on paper and having actual money in the bank.
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Your first year registered for GST is an adventure. The paperwork feels endless, and you're never quite sure if you've categorized everything correctly. Here's what actually matters versus what you can ignore.
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Superannuation, workers comp, payroll tax thresholds—suddenly you're not just running a business, you're managing people and compliance. The administrative load triples overnight, and nobody tells you about the emotional weight of being responsible for someone else's income.
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Small Business Consultant
Spent fifteen years helping Adelaide businesses avoid the financial mistakes he made in his twenties. Now focuses on teaching owners how to read their numbers without needing an accounting degree.
The businesses that struggle aren't always the ones with bad products or poor service. They're the ones that didn't watch their numbers closely enough, or waited too long to ask for help.
I've watched perfectly viable businesses close because the owner didn't understand their break-even point or kept pricing too low. The hard part isn't usually the accounting—it's having honest conversations about what the numbers mean for your decisions.
Free resources we've put together based on questions people ask us most often.
Simple spreadsheet that helps you predict tight months before they happen. Works for seasonal businesses or anyone with irregular income patterns.
Download TemplateFigure out what you actually need to charge per hour once you factor in all your costs, taxes, and the income you need to take home.
Get CalculatorEverything you need to organize before June 30th so your accountant doesn't hate you. Updated for 2025 tax changes.
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Regular Contributor
Damien writes about the practical side of business finances—the stuff that doesn't make it into textbooks. He's been running small businesses since 2008 and learned most lessons the expensive way.
His articles focus on real situations: dealing with difficult clients who won't pay, managing seasonal cash crunches, and figuring out when you're actually ready to expand.