Cents and Solutions

Cents and Solutions Learn to take control of your finances with a focus on long-term independence & sustainable growth. Built for business owners, startups, individuals & women.

Led by a qualified CPA with a warm, friendly support that speaks your language.

You may not know what financial clarity looks like, but you are familiar with confusion.“I didn’t even know what questio...
23/04/2026

You may not know what financial clarity looks like, but you are familiar with confusion.

“I didn’t even know what questions to ask.” “I thought I understood my numbers… until things got more complex.”

Two different business owners. Same experience.

Before working with us, they were:

● Avoiding their numbers because it felt overwhelming
● Keeping things simple just to cope
● Second-guessing decisions

Not because they lacked capability. But because they lacked clarity.

That’s where the shift needs to happen.

By not doing more. But in understanding what they were looking at.

They started to:

● See what was actually happening in their business
● Know what was costing them money
● Make decisions with confidence
● Use their numbers as a tool, not something to avoid

And the biggest change?

Less stress. More control.

That’s what financial clarity actually looks like.

👉 If this feels familiar, you don’t have to figure it out alone. Book a Financial Clarity Call via the link in the comments.

16/04/2026

A few weeks ago, my marketing colleague said to me, “I don’t really understand the difference between profit and cash flow.”

And honestly, she’s not the only one.

I was recently speaking with Charlotte from Enever Group, and we both noticed how often this comes up.

Because on the surface, it feels like they should mean the same thing.

If your business is profitable…it should be doing well, right?

But this is usually where the confusion starts.

You can be making money on paper, and still not feel clear about what’s actually happening in your business.

That’s because profit and cash flow are connected, but they’re not the same.

And when that distinction isn’t clear, it becomes much harder to trust your numbers.

🎥 In this video, I walk through the difference simply, so you can start seeing your numbers with more clarity.

Most people think the hardest part of Profit First is the setup.The multiple bank accounts. The percentages. The system ...
31/03/2026

Most people think the hardest part of Profit First is the setup.

The multiple bank accounts. The percentages. The system itself.

But in my experience, both personally and with the business owners I work with, that's rarely where the real challenge lives.

The hardest part is what comes after.

Week one feels exciting. You're doing something different, something intentional. But then week three arrives. The novelty fades. The extra steps start to feel like a burden. And that quiet voice in the back of your mind starts whispering: "Maybe this just isn't for me."

I heard that voice, too.

And I realised it wasn't the system talking. It was the part of me that still wanted new results without fully letting go of old habits.

Because that's what Profit First really asks of you. Not just a new way of managing money, but a willingness to sit with discomfort long enough for a new habit to take root.

That's the part nobody warns you about.

The discomfort isn't a sign that something is wrong. It's a sign that something is changing. And change, real, lasting change, takes longer than we want it to.

If you're somewhere in that messy middle right now, I want you to know that feeling is normal. It's part of the process.

Stick with it.

Have you experienced this in your own Profit First journey? Comment “PROCESS”, or share what’s been hardest for you. I’d love to hear!

As a solopreneur with a strong financial background, I faced unexpected financial uncertainty in the early stages of my ...
24/03/2026

As a solopreneur with a strong financial background, I faced unexpected financial uncertainty in the early stages of my business.

Not because I didn’t value money or understand it, but because business introduced a level of unpredictability I hadn’t experienced before. Income fluctuated. Expenses felt constant. And despite working hard, I ended up not paying myself a salary.

The turning point wasn’t earning more.

It was gaining clarity.

Discovering Profit First shifted not just how I managed my finances, but how I thought about them. It gave structure to uncertainty, intention to my spending, and most importantly, it made paying myself a priority, not an afterthought.

That shift changed everything.

Today, I operate with more clarity, more control, and far greater confidence in my business decisions.

In my latest blog, I share the journey behind that transformation, what wasn’t working, what changed, and the simple steps that made the biggest difference.

👇 If your finances feel unclear or overwhelming, this might resonate.

https://www.linkedin.com/pulse/how-right-system-brought-clarity-my-business-finances-relia-cpa-jjtec/

48% of small business owners worry about their financial future.Yet many are still unsure which number in their business...
16/03/2026

48% of small business owners worry about their financial future.

Yet many are still unsure which number in their business is causing the most stress.

Is it cash flow? Pricing? Profit? Taxes? Operating expenses?

These pressures often sit quietly in the background of a business, leading to constant second-guessing and financial uncertainty.

As a small business owner with a finance background, I understand this feeling deeply.

When financial stress starts creeping in, it doesn’t just affect the numbers; it affects decision-making, confidence, and the ability to move forward.

That’s why I’m running a short 5-minute survey to better understand the real financial challenges small business owners are facing right now, so I can design support that genuinely helps.

As a thank-you for your time, survey participants will receive a complimentary 30-minute Financial Clarity Call, where we’ll review your numbers together and identify one practical step to strengthen your financial confidence.

If you run a business, your perspective would be incredibly valuable.

👇 Complete the survey here:
https://lnkd.in/gHrVG_GQ




Starting a business can be exciting… but understanding and managing the money behind it can feel overwhelming.For many y...
11/03/2026

Starting a business can be exciting… but understanding and managing the money behind it can feel overwhelming.

For many young entrepreneurs, financial literacy is one of the most important skills they need, yet it’s rarely taught when they start out.

That’s why I’m excited to join Charlotte Enever from Enever Group’s The Youngpreneurs Society Podcast for an insightful conversation about something every young entrepreneur needs, but many never get taught:

● Money basics for business owners
● Financial literacy & responsibility
● How money habits shape your business decisions
● Developing the mindset of a successful entrepreneur

In this episode, we explore how understanding your finances and building the right money mindset can help you make smarter decisions, grow sustainably, and lead your business with confidence.

If you're an aspiring or young entrepreneur, this is a conversation you won’t want to miss.

Stay tuned!

The money in your bank account is not actually yours.I know that can feel uncomfortable. But understanding this is one o...
03/03/2026

The money in your bank account is not actually yours.

I know that can feel uncomfortable. But understanding this is one of the most empowering shifts you can make as a business owner.

When revenue lands, it feels like income. You glance at the balance and think,
“We’re doing well!”

When everything sits in one account, it’s easy to assume the full balance is available. Our brains see one number and treat it as spendable.

So we make decisions from that number. We invest. We spend. We commit. Without realising that the number already has responsibilities attached to it: tax, GST, super, operating expenses, and your own salary

After you pay it all, you may not have much profit left. And stress creeps in.

Not because the business isn’t making money. But because the structure isn’t supporting you.

Here is a little mindset shift for you to refer to:

Instead of sticking to the old formula, Revenue – Expenses = Profit, start practising the new formula: Revenue – Profit = Expenses. In this model, profit is NOT left over, is the TOP priority. You separate tax and GST immediately. You decide what you get paid. And you run the business on what remains.

In this case, every dollar has a purpose; everything changes.

✓Expenses become intentional.
✓Profit becomes consistent.
✓Tax becomes predictable.
✓And confidence replaces panic.

If this resonates, comment PROFIT below. I’d love to know how many business owners are ready to feel calm and confident about their numbers.

25/02/2026

Still pinching myself, I’m honoured to be featured in the talking about something I care deeply about.

As a parent, I truly believe financial confidence doesn’t start in adulthood.

It starts in childhood through small habits, everyday conversations, and real-life responsibility.

It starts in the little moments:

• conversations at the shops
• learning to save for something meaningful
• understanding choices, patience, and value

Children need to learn how to earn, save, spend wisely, and give because money isn’t just about numbers. It’s about mindset.

And mindset shapes how they grow, choose, and lead in life.

If this resonates with you, I’d love for you to read the full feature via the link in the comments and join the conversation.

Making Money, Still Stressed? Let’s Talk Cash FlowProfit doesn’t always bring peace, and revenue doesn’t always bring cl...
19/02/2026

Making Money, Still Stressed? Let’s Talk Cash Flow

Profit doesn’t always bring peace, and revenue doesn’t always bring clarity.

I meet women business owners every week who are doing “well” on paper yet still feel anxious about cash flow.

If that’s you, you’re not alone.

Because financial stress often isn’t about how much you earn, it’s about what’s happening underneath: the beliefs you’ve carried, the pressure to hold it all together, and the money habits that follow.

So how do you prepare before stress hits?

• Shift your mindset: from doing everything to leading like a CEO
• Notice the beliefs driving your spending decisions (especially when you’re tired or overwhelmed)
• Build a pause between impulse and action

Here’s a simple prompt I use before any purchase:

“Why should I?” “Why shouldn’t I?”

That one pause creates clarity. It helps you spend with intention, protect cash flow, and make decisions you can stand behind without guilt or second-guessing.

Comment “CLARITY” and I’ll share a few more decision prompts that reduce money stress and support sustainable growth.

11/02/2026

Financial wellness ≠ how much money you’ve accumulated.

In a conversation on Peta Cox’s podcast, we unpacked something many business owners have never been asked to think about:
Financial wellness isn’t just about income, savings, or “doing well.”

It’s about your emotions with money, how you manage it day to day, and whether you feel confident or avoidant when you look at your numbers.

One question says it all:
👉 If money were a person and walked through your door today… How would you react?

Excited? Calm? Anxious? Avoidant?

🎥 Watch the video to hear why your relationship with money matters just as much as the numbers themselves.

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