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Unfortunately, it takes more than $10,000 in additional sales to fund that shiny new $10,000 toy.Because the business do...
16/10/2026

Unfortunately, it takes more than $10,000 in additional sales to fund that shiny new $10,000 toy.

Because the business doesn't keep every dollar of revenue.

Here's a simple illustration:
If the business ultimately keeps around 20% of sales as net profit, you need roughly:
$50,000 of extra sales to create $10,000 of extra profit.

If the business is only keeping around 10% net profit:
You need roughly $100,000 of extra sales.

Just to cover that new $10,000 cost.

The exact maths will vary from business to business, and this is just a simple illustration.

But the logic matters.

This is why:
“We’ll just sell more." Is some of the worst advice we hear.

More sales mean more of everything before any money reaches the bottom line. And it’s why genuine cost reduction can have such a strong effect.

Remove $10,000 of unnecessary cost and, broadly speaking, that $10,000 improves profit directly.

To create the same result through sales, you may need many times that amount in revenue.

Before you add the cost, do the maths on how much extra sales it will actually take to cover it.

Late payments are usually talked about like an admin problem, but they’re also a funding problem.You’ve already paid for...
13/10/2026

Late payments are usually talked about like an admin problem, but they’re also a funding problem.

You’ve already paid for some or all of the work.

Wages.
Suppliers.
Software.
Rent.
Tax.
Whatever it took to deliver the job.

If the customer pays you 30 days later than agreed, your business is carrying that cost for another month.

Multiply that across enough customers and it starts to look less like “a few slow payers” and more like your business providing interest-free finance.

That’s why debtor days matter.

It’s not only about chasing invoices. It’s about how long your business has to fund somebody else before getting its own cash back.

Card surcharges are easy to dismiss because the percentage looks tiny.1%.1.5%.2%.But percentages get expensive when they...
11/10/2026

Card surcharges are easy to dismiss because the percentage looks tiny.

1%.
1.5%.
2%.

But percentages get expensive when they sit on every transaction.

If you process $100,000 a month in card payments:

1% = $1,000 a month
1.5% = $1,500 a month
2% = $2,000 a month

That’s $12,000 to $24,000 a year.

If you used to pass that fee on and now you’re absorbing it, that money has to come from somewhere.

Your margin.
Your pricing.
A cheaper payment provider.
A different payment mix.

The point isn’t that 1–2% is automatically a disaster.

It’s that small percentages become real money when they repeat often enough.

A $3,000 monthly lease doesn’t just cost $3,000.A new employee doesn’t just cost their salary.Another entity doesn’t jus...
09/10/2026

A $3,000 monthly lease doesn’t just cost $3,000.

A new employee doesn’t just cost their salary.

Another entity doesn’t just cost the setup fee.

A new system doesn’t just cost the subscription.

Those decisions can bring payroll, super, insurance, finance costs, admin, bookkeeping, working capital and management time with them.

Some of those costs are obvious.

Others only become obvious once you’re already committed.

So, when you’re making a bigger business decision, don’t only ask:
“Can we afford this?”

Ask:
“What else comes with it once we say yes?”

There’s been plenty of noise about the proposed changes to discretionary trusts.That does not mean everyone with a trust...
06/10/2026

There’s been plenty of noise about the proposed changes to discretionary trusts.

That does not mean everyone with a trust suddenly needs to get rid of it.

The proposed rules may materially affect some structures.

Others may be affected very differently.

And your trust may exist for reasons that have nothing to do with one particular tax outcome.

So before restructuring anything, work out:
What actually changes for my trust?

Then compare that with the tax, legal and commercial consequences of changing the structure itself.

“Trusts are dead” might make a good headline.

It’s not enough information to make a restructuring decision.

Business owners are usually pretty good at seeing the dollar cost of a decision.But we can be much worse at pricing our ...
04/10/2026

Business owners are usually pretty good at seeing the dollar cost of a decision.

But we can be much worse at pricing our own time into it.

- Take the cheaper software.
- Hire the cheaper person.
- Keep doing something manually.
- Avoid paying someone else to handle it.

On paper, the business saved money.

But if the decision creates another five hours of checking, fixing, chasing or thinking every week, the saving might not be as cheap as it looked.

Especially when those hours come from the person who is supposed to be selling, leading, making decisions or getting the business unstuck.

The owners time is still a cost.

It just doesn’t arrive with an invoice.

A tax saving can be real and still need to be weighed against everything else the owner wants to do.For example, a decis...
01/10/2026

A tax saving can be real and still need to be weighed against everything else the owner wants to do.

For example, a decision that reduces taxable income may also affect borrowing capacity.

Money left inside a business may be tax-effective, but not especially useful if the owner needs it personally for a property purchase or another opportunity.

A more complicated structure may produce a better tax result, but require more administration, more professional cost and more things to get right every year.

None of that means tax should be ignored.

It means tax is one part of the decision.

Before acting, the owner needs to be clear on what the business is meant to do next. Borrow, grow, buy an asset, pay the owner properly, reduce debt or create flexibility.

The lowest tax bill may still be the right outcome.

It just needs to win the whole argument.

30/09/2026

An old structure can keep doing its job long after it stops making sense.

Setting up a new entity. Taking out finance. Buying an asset. Changing how you pay yourself.None of those decisions is a...
27/09/2026

Setting up a new entity. Taking out finance. Buying an asset. Changing how you pay yourself.

None of those decisions is automatically wrong.

But the price on the day is rarely the full cost.

A $20,000 vehicle may mean five years of repayments.

An extra entity means another tax return, another bank account and another set of things someone needs to understand.

A decision that works for the business today can affect what a lender sees when you need finance later.

When things become messy, it is rarely because someone made a stupid decision.

Usually, the business changed and the old decision stayed put.

24/09/2026

A business can become less dependent on its owner, while the owner’s wider life becomes more dependent on them.

That is a very common kind of progress. 👇

Address

Level 5, 4 Columbia Court
Bella Vista, NSW
2153

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 1pm

Telephone

+61298376148

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