by Josh RICHARDSON | Oct 27, 2026 | Numbers, Tax
Profit on paper doesn’t mean you’re able to pay the tax bill when it comes. If tax time is always leaving you short on cash, there are 3 things you need to know: Tax is calculated on profit, and profit is a paper number. The cash behind it may already be tied up in...
by Josh RICHARDSON | Sep 21, 2026 | Numbers
The rule change is simple. Super used to be due once a quarter. Since 1 July, it has to arrive in your employees’ funds within 7 business days of every payday, so staff aren’t waiting months for money they’ve already earned. The first quarter under...
by Josh RICHARDSON | Aug 7, 2026 | Numbers
TL;DR: The KPIs small business owners should review regularly are gross profit margin, net profit margin, operating cash flow, debtor days, wages as a percentage of revenue, and tax set aside. These numbers show if your work is profitable, if you can cover upcoming...
by Josh RICHARDSON | Apr 8, 2026 | Numbers
Most growing businesses forecast cash flow only a few weeks out. It keeps them afloat — but it leaves them constantly reacting. A longer view changes that. Quick answer: Use a rolling 12-month forecast for strategy, and a 13-week view for day-to-day cash. Together,...
by Josh RICHARDSON | Mar 13, 2026 | Numbers
Most business owners only think about how much cash they keep in the bank when things get tight. By then, your options are limited, and the impact is bigger. A clear cash buffer lets you grow without risking the business. Say you’re turning over $4.5M and aiming for...
by Sian Fields | Nov 26, 2025 | Numbers
Before you turn on your out-of-office, have you checked your Christmas cash flow forecast? Year-end fatigue is real, especially in hands-on fields like trades and fitness. It’s easy to check out early, but ignoring financial red flags will make January harder than it...
