Your Folio

Your Folio Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Your Folio, Tax preparation service, Sydney.

๐—™๐—œ๐—ก๐—”๐—ก๐—–๐—˜ ๐— ๐—”๐——๐—˜ ๐—ฆ๐—œ๐— ๐—ฃ๐—Ÿ๐—˜

Accounting โ€ข Bookkeeping โ€ข Financial Coaching โ€ข Personal and Business Tax โ€ข Fractional CFO โ€ข Project Accounting

Liability limited by a scheme approved under Professional Standards Legislation.

Happy Mothers Day!!
09/05/2026

Happy Mothers Day!!

The RBA has increased interest rates for the third time this year.
05/05/2026

The RBA has increased interest rates for the third time this year.

Today is ๐—ช๐—ผ๐—ฟ๐—น๐—ฑ ๐— ๐—ฒ๐—ป๐˜๐—ฎ๐—น ๐—›๐—ฒ๐—ฎ๐—น๐˜๐—ต ๐——๐—ฎ๐˜†, and this year, ๐— ๐—ฒ๐—ป๐˜๐—ฎ๐—น ๐—›๐—ฒ๐—ฎ๐—น๐˜๐—ต ๐—”๐˜‚๐˜€๐˜๐—ฟ๐—ฎ๐—น๐—ถ๐—ฎ'๐˜€ focus is "๐˜Š๐˜ฐ๐˜ฏ๐˜ฏ๐˜ฆ๐˜ค๐˜ต ๐˜ธ๐˜ช๐˜ต๐˜ฉ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜Š๐˜ฐ๐˜ฎ๐˜ฎ๐˜ถ๐˜ฏ๐˜ช๐˜ต๐˜บ"โ€”a simp...
09/10/2025

Today is ๐—ช๐—ผ๐—ฟ๐—น๐—ฑ ๐— ๐—ฒ๐—ป๐˜๐—ฎ๐—น ๐—›๐—ฒ๐—ฎ๐—น๐˜๐—ต ๐——๐—ฎ๐˜†, and this year, ๐— ๐—ฒ๐—ป๐˜๐—ฎ๐—น ๐—›๐—ฒ๐—ฎ๐—น๐˜๐—ต ๐—”๐˜‚๐˜€๐˜๐—ฟ๐—ฎ๐—น๐—ถ๐—ฎ'๐˜€ focus is "๐˜Š๐˜ฐ๐˜ฏ๐˜ฏ๐˜ฆ๐˜ค๐˜ต ๐˜ธ๐˜ช๐˜ต๐˜ฉ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜Š๐˜ฐ๐˜ฎ๐˜ฎ๐˜ถ๐˜ฏ๐˜ช๐˜ต๐˜บ"โ€”a simple phrase that matters far more than it sounds.

For many people right now, that connection is everythingโ€”especially for small business owners and families juggling rising costs with little room left to breathe. Behind every calm nod, polite smile, or "๐˜ด๐˜ถ๐˜ณ๐˜ฆ, ๐˜ ๐˜ค๐˜ข๐˜ฏ ๐˜ฉ๐˜ข๐˜ฏ๐˜ฅ๐˜ญ๐˜ฆ ๐˜ช๐˜ต", there might be someone lying awake at 3am, worrying about the rent that's due again, the next BAS payment looming, the new shoes their children need, or the fear that one more unexpected bill will be the one that breaks them.

Many hide these pressuresโ€”protecting their family from worry and trying to keep things looking normalโ€”reluctant to ask for help for fear of judgment, or simply too exhausted to open up. And putting on a front while dealing with financial stress takes its own toll, making it even harder to find the energy to get through each day.

If you suspect someone you know might be carrying more than they show, don't wait for ๐˜ต๐˜ฉ๐˜ฆ๐˜ฎ to reach out. Sometimes the smallest gesturesโ€”dropping off a coffee, sending a quick text that needs no reply, letting them off the hook from a commitment, or just sitting with them in silenceโ€”can be the first bit of light in a day that feels far too heavy, and enough to remind them that they are not alone in this.
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๐—Ÿ๐—ฎ๐—ฏ๐—ผ๐˜‚๐—ฟ ๐——๐—ฎ๐˜† recognises the effort behind every role and the importance of fair work for all. Itโ€™s a day to honour the pro...
05/10/2025

๐—Ÿ๐—ฎ๐—ฏ๐—ผ๐˜‚๐—ฟ ๐——๐—ฎ๐˜† recognises the effort behind every role and the importance of fair work for all. Itโ€™s a day to honour the progress made toward decent working conditions and workers' rights.
If youโ€™re lucky enough to have the day off in NSW, ACT, or SA, we hope you enjoy it and recharge!
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๐—ฃ๐—ฟ๐—ฒ๐—ฝ๐—ฎ๐—ฟ๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—น๐—ผ๐—ฑ๐—ด๐—ฒ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ณ๐—ถ๐—ฟ๐˜€๐˜ ๐—•๐—”๐—ฆ?If you registered for GST this financial year and plan to lodge yourself by ๐Ÿฎ๐Ÿด ๐—ข๐—ฐ๐˜๐—ผ๐—ฏ๐—ฒ๐—ฟ...
05/10/2025

๐—ฃ๐—ฟ๐—ฒ๐—ฝ๐—ฎ๐—ฟ๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—น๐—ผ๐—ฑ๐—ด๐—ฒ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ณ๐—ถ๐—ฟ๐˜€๐˜ ๐—•๐—”๐—ฆ?
If you registered for GST this financial year and plan to lodge yourself by ๐Ÿฎ๐Ÿด ๐—ข๐—ฐ๐˜๐—ผ๐—ฏ๐—ฒ๐—ฟ, hereโ€™s a quick checklist:

๐Ÿ“ŒReview your income and expenses for Julyโ€“Sept and make sure all sales and purchases are included.
๐Ÿ“ŒHave your invoices and receipts ready to support your reported figures and help avoid mistakes.
๐Ÿ“ŒNote any payroll activity or GST-free salesโ€”they affect what you report and pay.
๐Ÿ“ŒSubmit your BAS on time, as missing the deadline can result not only in penalties but also in interest charges.

If youโ€™re unsure about ๐˜ข๐˜ฏ๐˜บ ๐˜ข๐˜ด๐˜ฑ๐˜ฆ๐˜ค๐˜ต of your BAS lodgement, contact the ATO or a registered BAS agent in order to remain compliant (๐Ÿ“ง๐—ฐ๐—ผ๐—ฎ๐—ฐ๐—ต@๐˜†๐—ผ๐˜‚๐—ฟ-๐—ณ๐—ผ๐—น๐—ถ๐—ผ.๐—ฐ๐—ผ๐—บ.๐—ฎ๐˜‚).

๐ŸŽƒ๐—ฆ๐—ฝ๐—ผ๐—ผ๐—ธ๐˜† ๐—ฆ๐—ฒ๐—ฎ๐˜€๐—ผ๐—ป'๐˜€ ๐—ต๐—ฒ๐—ฟ๐—ฒ ๐˜€๐—ผ ๐—ฑ๐—ผ๐—ป'๐˜ ๐—น๐—ฒ๐˜ ๐˜๐—ต๐—ฒ ๐—ฑ๐˜‚๐—ฒ ๐—ฑ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ฟ๐—ฒ๐—ฒ๐—ฝ ๐˜‚๐—ฝ!๐Ÿ‘ปAs Quarter 2 begins, here are some important dates to keep on...
01/10/2025

๐ŸŽƒ๐—ฆ๐—ฝ๐—ผ๐—ผ๐—ธ๐˜† ๐—ฆ๐—ฒ๐—ฎ๐˜€๐—ผ๐—ป'๐˜€ ๐—ต๐—ฒ๐—ฟ๐—ฒ ๐˜€๐—ผ ๐—ฑ๐—ผ๐—ป'๐˜ ๐—น๐—ฒ๐˜ ๐˜๐—ต๐—ฒ ๐—ฑ๐˜‚๐—ฒ ๐—ฑ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ฟ๐—ฒ๐—ฒ๐—ฝ ๐˜‚๐—ฝ!๐Ÿ‘ป
As Quarter 2 begins, here are some important dates to keep on your radar this month.
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๐—œ๐—ณ ๐—ถ๐˜ ๐—ณ๐—ฒ๐—ฒ๐—น๐˜€ ๐—น๐—ถ๐—ธ๐—ฒ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฏ๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€ ๐—ถ๐˜€ ๐—ฟ๐˜‚๐—ป๐—ป๐—ถ๐—ป๐—ด ๐˜†๐—ผ๐˜‚ ๐—ฟ๐—ฎ๐˜๐—ต๐—ฒ๐—ฟ ๐˜๐—ต๐—ฎ๐—ป ๐˜๐—ต๐—ฒ ๐—ผ๐˜๐—ต๐—ฒ๐—ฟ ๐˜„๐—ฎ๐˜† ๐—ฎ๐—ฟ๐—ผ๐˜‚๐—ป๐—ฑ, ๐˜†๐—ผ๐˜‚โ€™๐—ฟ๐—ฒ ๐—ป๐—ผ๐˜ ๐—ฎ๐—น๐—ผ๐—ป๐—ฒ!Many small business own...
25/09/2025

๐—œ๐—ณ ๐—ถ๐˜ ๐—ณ๐—ฒ๐—ฒ๐—น๐˜€ ๐—น๐—ถ๐—ธ๐—ฒ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฏ๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€ ๐—ถ๐˜€ ๐—ฟ๐˜‚๐—ป๐—ป๐—ถ๐—ป๐—ด ๐˜†๐—ผ๐˜‚ ๐—ฟ๐—ฎ๐˜๐—ต๐—ฒ๐—ฟ ๐˜๐—ต๐—ฎ๐—ป ๐˜๐—ต๐—ฒ ๐—ผ๐˜๐—ต๐—ฒ๐—ฟ ๐˜„๐—ฎ๐˜† ๐—ฎ๐—ฟ๐—ผ๐˜‚๐—ป๐—ฑ, ๐˜†๐—ผ๐˜‚โ€™๐—ฟ๐—ฒ ๐—ป๐—ผ๐˜ ๐—ฎ๐—น๐—ผ๐—ป๐—ฒ!

Many small business owners often spend long stretches of their days answering emails, returning calls, replying to WhatsApp messages, reconciling accounts, and chasing paperworkโ€ฆ and by the time theyโ€™ve finished, it can often feel like theyโ€™ve been ๐˜„๐—ผ๐—ฟ๐—ธ๐—ถ๐—ป๐—ด ๐—ฎ๐—น๐—น ๐—ฑ๐—ฎ๐˜† ๐—ฏ๐˜‚๐˜ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐—น๐—ถ๐˜๐˜๐—น๐—ฒ ๐˜๐—ผ ๐˜€๐—ต๐—ผ๐˜„ ๐—ณ๐—ผ๐—ฟ ๐—ถ๐˜.

Even though these tasks are an essential part of running a business, they can quietly erode focus, energy, and motivation, leaving you feeling drained and making it harder to tackle the decisions and projects that will help ๐˜๐—ฎ๐—ธ๐—ฒ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฏ๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€ ๐˜๐—ผ ๐˜๐—ต๐—ฒ ๐—ป๐—ฒ๐˜…๐˜ ๐—น๐—ฒ๐˜ƒ๐—ฒ๐—น.
But there are things that ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐˜€๐˜๐—ฎ๐—ฟ๐˜ ๐—ฑ๐—ผ๐—ถ๐—ป๐—ด ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐—ป๐—ผ๐˜„, to help you take back a sense of control over your day:

โ€ข Taking 5 minutes at the end of each day to ๐˜„๐—ฟ๐—ถ๐˜๐—ฒ ๐—ฑ๐—ผ๐˜„๐—ป ๐˜๐—ผ๐—บ๐—ผ๐—ฟ๐—ฟ๐—ผ๐˜„โ€™๐˜€ ๐˜๐—ผ๐—ฝ ๐—ฝ๐—ฟ๐—ถ๐—ผ๐—ฟ๐—ถ๐˜๐—ถ๐—ฒ๐˜€, so you start the next day with clarity
โ€ข ๐—š๐—ฟ๐—ผ๐˜‚๐—ฝ๐—ถ๐—ป๐—ด ๐˜€๐—ถ๐—บ๐—ถ๐—น๐—ฎ๐—ฟ ๐—ฎ๐—ฑ๐—บ๐—ถ๐—ป ๐˜๐—ฎ๐˜€๐—ธ๐˜€ ๐˜๐—ผ๐—ด๐—ฒ๐˜๐—ต๐—ฒ๐—ฟ, such as responding to emails or chasing paperwork in one focused session, so they donโ€™t constantly interrupt your workflow
โ€ข ๐—ฆ๐—ฒ๐˜๐˜๐—ถ๐—ป๐—ด ๐—ฎ๐˜€๐—ถ๐—ฑ๐—ฒ ๐—ผ๐—ป๐—ฒ ๐—ณ๐—ถ๐˜…๐—ฒ๐—ฑ, ๐˜‚๐—ป๐—ถ๐—ป๐˜๐—ฒ๐—ฟ๐—ฟ๐˜‚๐—ฝ๐˜๐—ฒ๐—ฑ ๐—ต๐—ผ๐˜‚๐—ฟ ๐—ฒ๐—ฎ๐—ฐ๐—ต ๐˜„๐—ฒ๐—ฒ๐—ธ for strategic decisions or growth-focused projects, like planning a new service, improving a client process, or mapping next steps for revenue growth

These ๐˜€๐—ถ๐—บ๐—ฝ๐—น๐—ฒ ๐—ฎ๐—ฐ๐˜๐—ถ๐—ผ๐—ป๐—ฎ๐—ฏ๐—น๐—ฒ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐˜€ can help you protect your energy, stay focused, and make steady progress toward growing your business - keeping sight of why you started it in the first place!
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๐—ก๐—ผ๐˜ ๐—ฒ๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—ฑ๐—ผ๐—น๐—น๐—ฎ๐—ฟ ๐—ถ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฏ๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€ ๐—ฎ๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜ ๐—ถ๐˜€ ๐—ฟ๐—ฒ๐—ฎ๐—น๐—น๐˜† ๐˜†๐—ผ๐˜‚๐—ฟ๐˜€โ€ฆSome of it is already spoken for: GST, PAYG, payroll, and supe...
18/09/2025

๐—ก๐—ผ๐˜ ๐—ฒ๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—ฑ๐—ผ๐—น๐—น๐—ฎ๐—ฟ ๐—ถ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฏ๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€ ๐—ฎ๐—ฐ๐—ฐ๐—ผ๐˜‚๐—ป๐˜ ๐—ถ๐˜€ ๐—ฟ๐—ฒ๐—ฎ๐—น๐—น๐˜† ๐˜†๐—ผ๐˜‚๐—ฟ๐˜€โ€ฆ

Some of it is already spoken for: GST, PAYG, payroll, and super. These arenโ€™t 'extra' costs; theyโ€™re ๐—ผ๐—ฏ๐˜€๐—น๐—ถ๐—ด๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐˜€ you have whether or not cash flow is tight. And with ๐—ฐ๐—ผ๐˜€๐˜-๐—ผ๐—ณ-๐—น๐—ถ๐˜ƒ๐—ถ๐—ป๐—ด ๐—ฝ๐—ฟ๐—ฒ๐˜€๐˜€๐˜‚๐—ฟ๐—ฒ๐˜€, many small business owners often find themselves dipping into business funds to cover unexpected costs or even just to cover day-to-day living expenses. This can make setting aside money feel impossible. ๐—•๐˜‚๐˜ ๐˜๐—ต๐—ฒ ๐˜๐—ต๐—ฒ ๐—ฑ๐—ฒ๐—ฎ๐—ฑ๐—น๐—ถ๐—ป๐—ฒ๐˜€ ๐—ฎ๐—น๐˜„๐—ฎ๐˜†๐˜€ ๐—ฎ๐—ฟ๐—ฟ๐—ถ๐˜ƒ๐—ฒ, ๐˜๐—ต๐—ฒ ๐—ฏ๐—ถ๐—น๐—น๐˜€ ๐—ฑ๐—ผ๐—ปโ€™๐˜ ๐—ฑ๐—ถ๐˜€๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ฎ๐—ฟ and without a system, the stress will compund!

Small, steady, consistent steps - like moving 5% of each payment into a separate account, or setting aside super each time you run payroll, can make a noticeable difference very quickly, while at the same time helping you ๐—บ๐—ฒ๐—ฒ๐˜ ๐—ผ๐—ฏ๐—น๐—ถ๐—ด๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐˜€, ๐˜€๐˜๐—ฎ๐˜† ๐—ฐ๐—ผ๐—บ๐—ฝ๐—น๐—ถ๐—ฎ๐—ป๐˜, ๐—ฎ๐—ป๐—ฑ ๐˜๐—ฎ๐—ธ๐—ฒ ๐˜๐—ต๐—ฒ ๐˜€๐˜๐—ฟ๐—ฒ๐˜€๐˜€ ๐—ผ๐˜‚๐˜ ๐—ผ๐—ณ ๐—ฑ๐—ฒ๐—ฎ๐—ฑ๐—น๐—ถ๐—ป๐—ฒ๐˜€.
Quarter by quarter, that kind of system can turn constant strain into a steadier year!

If you need help figuring out how to manage your cash flow, please reach out to ๐—ฐ๐—ผ๐—ฎ๐—ฐ๐—ต@๐˜†๐—ผ๐˜‚๐—ฟ-๐—ณ๐—ผ๐—น๐—ถ๐—ผ.๐—ฐ๐—ผ๐—บ.๐—ฎ๐˜‚

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Sydney, NSW

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