Real stories from Australian businesses mastering their budgets and building sustainable financial foundations
Brayden Holsworth
When I opened my specialty coffee shop in Newtown, I thought I'd covered everything. Equipment lease, rent deposit, initial inventory — all budgeted down to the last dollar. But three months in, unexpected expenses started hitting like clockwork. Insurance adjustments, maintenance I hadn't factored in, and seasonal fluctuations that caught me completely off guard.
Read Full Story
Fresh perspectives on business finance from real Australian entrepreneurs
Cash Flow
December should have been our best month. Instead, we learned the hard way that success can strain your cash flow just as much as failure. Here's what happened and how we fixed it.
February 28, 2025
Planning
Most business owners review their budgets annually. After nearly running out of runway, I switched to quarterly reviews. It completely changed how we approach financial planning.
February 22, 2025
Growth
For two years, I delayed buying better equipment to save money. Turns out, that decision was costing me more than the monthly payments would have. Here's my framework for equipment decisions now.
February 15, 2025
Key developments and trends that shaped Australian small business finance in recent months
January 2025
ATO expanded instant asset write-off provisions for small businesses, creating opportunities for strategic equipment purchases before financial year end.
December 2024
Reserve Bank's decision to hold rates steady gave small businesses more predictability for loan planning and cash flow projections into 2025.
November 2024
New payment times reporting scheme expanded to include more businesses, pushing for 30-day payment terms as standard practice across industries.
October 2024
Government announced gradual phase-out of paper receipts, requiring businesses to upgrade point-of-sale systems and adjust expense tracking processes.
