The Financial Foreman

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The Financial Foreman The Accountant for Tradies, specialising in the construction and trade industries. Offering Accounti

15/10/2026

Paying more tax than you need to could be costing you your next investment.

A lot of tradies focus on making more money, but not enough focus on keeping more of it. The reality is, every extra dollar you hand over unnecessarily to the ATO is a dollar you can't put back into your business, investments, or future goals.

The good news?

Tax planning isn't about complicated loopholes — it's about getting organised, planning ahead, and using the right structures to make your money work smarter.

🔧 The less unnecessary tax you pay, the more cash you've got available to build long-term wealth and grow your opportunities.

Want to make sure you're not paying more tax than you need to?

Comment READY below and let's chat about how The Financial Foreman can help.

Still guessing what you should be charging per hour? Your hourly rate needs to do more than cover your wage — it needs t...
14/10/2026

Still guessing what you should be charging per hour? Your hourly rate needs to do more than cover your wage — it needs to cover the cost of running your business too. 🔨

Your overheads, tools, vehicles, leave, downtime and those hours you can’t bill to a client all add up. If you don’t factor them in, you could be working hard without charging enough to make the business worthwhile.

That’s why we created our FREE Hourly Rate Calculator. It helps you work through your numbers, understand what your business actually needs to charge and price your work with more confidence.

If you’re a tradie or foreman in Adelaide and want help getting your numbers right, comment READY and let’s chat.

13/10/2026

Most tradies don't start a business because they dream of spending every night doing paperwork.

They start because they want more control.

More money.

More freedom.

More choice over their time.

But somewhere along the way, the business can become completely dependent on the owner.

Every decision comes back to you.

Every problem lands on your desk.

Every dollar needs your approval.

That's exhausting.

Building a better business isn't just about making more revenue.

It's about building something that doesn't need you in every bloody corner.
Your numbers, systems and processes all play a part.

Comment GROW if you're ready to work on the business, not just in it.

12/10/2026

Not every career starts with a plan.

Sometimes it starts with solving a problem.

In this episode of Ask an Expert, Glenn Pagano from McGrath Real Estate shares how renovating and selling properties unexpectedly led him into real estate — and why he ended up loving the industry.

Real stories.

Real experience.

Real insights from people in the trenches. 🛠️

FAQ Series | Can I charge customers a card surcharge to cover payment fees?This is one of those questions that’s worth g...
11/10/2026

FAQ Series | Can I charge customers a card surcharge to cover payment fees?

This is one of those questions that’s worth getting across before it catches you out. Under the current rules, businesses can charge a card surcharge, but it can’t be more than the cost of accepting that payment.

From 1 October 2026, that changes — Visa, Mastercard, American Express and eftpos are introducing no-surcharge rules for card payments.

For tradies, this is a good reminder to look at your payment fees and pricing before the change kicks in. If you’ve been adding a card surcharge to invoices or taking payments on-site, check how your payment provider will handle the new rules and whether your pricing needs to be updated.

A small payment fee can add up across a busy month, so it’s worth knowing exactly what’s happening. 💳

This is part of our FAQ Series, where we answer the real finance and business questions Adelaide tradies and foremen are asking.
If you’re not sure how this change could affect your business, pricing or cash flow, comment READY and we’ll help you work through it.

09/10/2026

Is your business growing... or are you just pulling every dollar out of it?

A lot of tradies work hard to make a profit, but then take most of the cash straight out of the business.

The problem?

If work slows down, equipment breaks, or unexpected costs pop up, there's not much left to fall back on.

Think of your business like an apple tree.

🍎 The apples are the money you take out and enjoy today.

The trunk is the money you leave in the business to make it stronger tomorrow.

A healthy business needs both. The key is finding the right balance between rewarding yourself now and building a business that can handle whatever comes next.

Want help building a stronger business without sacrificing your lifestyle?

Comment READY below and let's chat about how The Financial Foreman can help.

A big job can look like a massive opportunity — but before you say yes, make sure the numbers stack up. 🔨Do you know you...
08/10/2026

A big job can look like a massive opportunity — but before you say yes, make sure the numbers stack up. 🔨

Do you know your true costs?

Your expected profit margin?

How much cash you’ll need to get the job through?

Taking on more work without checking the numbers first can leave you busier without actually making more money.

That’s where we come in.

At The Financial Foreman, we help tradies and foremen understand their numbers, improve profitability and make smarter business decisions — not just tick boxes at tax time.

Based in Adelaide and working with businesses Australia-wide.

Thinking about taking on a big job and want to make sure the numbers make sense? Comment READY and let’s chat about how we can help.

07/10/2026

A lot of tradies know exactly what they charge per hour.

But ask them what it actually costs to run the business for an hour?

That's where things can get a little fuzzy.

Your rate needs to account for the costs that happen behind the scenes too.
Vehicles.
Insurance.
Tools.
Admin.
Quoting.
Travel.
Software.
Super.
Downtime.

And all the other costs that don't disappear just because you're on the tools.
Busy isn't the goal.

Profitable is.

Before you copy someone else's rate, work out what yours actually needs to be.

Comment HOURLY if you want help working through your numbers.

06/10/2026

Most people think property development is easy money… until the numbers start adding up.

In this episode of Ask an Expert, Glenn Pagano from McGrath Real Estate breaks down the biggest mistakes people make when renovating or developing their first property — from underestimating costs to overlooking time and cash flow.

Because in property investing, getting the numbers wrong can cost you more than just profit. 🛠️

Click the link in our bio to watch the full video.

FAQ Series | Do I need to keep money aside for GST if I already have a separate BAS account?Yes — and this is one of tho...
06/10/2026

FAQ Series | Do I need to keep money aside for GST if I already have a separate BAS account?

Yes — and this is one of those questions we hear from tradies all the time.

Having a separate BAS account is a great way to keep your GST money away from your everyday business spending, but it doesn’t automatically mean you’ve set aside the right amount. Your actual GST position is worked out through your BAS, including GST collected on sales and GST credits you’re entitled to claim.

The key is to treat that BAS account as money that isn’t really yours to spend. As you get paid, make sure the GST component is being put aside and keep an eye on the balance throughout the quarter.

That way, when BAS time comes around, you’re not scrambling to find the money to pay the ATO. 💰

This is part of our FAQ Series, where we answer the real finance questions Adelaide tradies and foremen are asking.

If you’re not sure whether you’re setting aside enough for GST, tax or your other business obligations, comment READY and our team can help you get your numbers under control.

Address

The Financial Foreman, 671 Marion Road, Ascot Park
Adelaide, SA
5043

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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