The boring sh!t in business Podcast with Amy Bajada

EPISODE 226 : 4 EOFY Mistakes I'll Never Make Again

EOFY is almost here, and whilst there’s plenty of advice floating around about tax deductions, spending money before 30 June, and getting your paperwork in order, some of the biggest mistakes business owners make happen during this period. In this episode, I share four EOFY mistakes I'll never make again and explain why these seemingly harmless decisions can create unnecessary pressure in the new financial year. Whether you're focused on reducing tax, reviewing your numbers, or planning for the year ahead, this episode will help you think beyond 30 June and make decisions that support the long-term financial strength of your business. In this episode, we'll discuss: ✔ Why spending money purely to save tax can hurt your cashflow ✔ The difference between profit and cashflow (and why both matter) ✔ Why waiting until June to review your numbers creates unnecessary stress ✔ How EOFY can become a powerful planning tool rather than simply a compliance deadline ✔ The role that financial control plays in better business decision-making If EOFY has you thinking about your numbers, your cashflow, or your plans for the new financial year, this episode will give you practical insights to help you move forward with greater confidence and control. Resources: • Small Business Cashflow Course [http://www.amybajada.com.au/cashflow] • One-on-One Financial Coaching [http://www.amybajada.com.au/discoverycall] Connect with Amy: www.amybajada.com.au [http://www.amybajada.com.au] If you enjoyed this episode, please subscribe, leave a review, and share it with another business owner who could benefit from the conversation.

EPISODE 225 : EOFY Spending Mistakes That Hurt Cashflow

EOFY has a way of making business owners feel like they need to do something. Buy the vehicle. Upgrade the equipment. Stock up on inventory. Sign up for the software. After all, you'll get a tax deduction... right? But here's the question: Is the decision genuinely helping your business, or is it simply helping you pay less tax? In this episode, I challenge some of the most common EOFY thinking and explore why decisions that look smart on paper can sometimes create cashflow pressure long after June 30 has passed. You'll learn: • Why spending money to save tax isn't always a win • The hidden cost behind EOFY purchases • Why cashflow doesn't care why you spent the money • The "September Test" every business owner should use before making a major financial decision • How to approach EOFY as a decision-making season rather than a spending season If you're considering any significant purchases before June 30, this episode will help you pause, think differently, and make decisions that support both your business and your cashflow. Because a tax deduction won't pay your wages, rent, or suppliers. Cashflow still matters. Want more practical financial guidance for your business? Visit www.amybajada.com.au [http://www.amybajada.com.au] to explore coaching, resources, workshops and the Small Business Cashflow Course [http://www.amybajada.com.au/cashflow].

EPISODE 224 : EOFY for Business Owners Who Want Sleep

EOFY shouldn’t feel like a financial horror movie. And yet for so many business owners, June arrives with panic, stress, avoidance, and sleepless nights. In this episode, I unpack the emotional side of EOFY and why it often feels so overwhelming for business owners — not because EOFY creates problems, but because it exposes the ones that have been building quietly throughout the year. This isn’t another “here’s your EOFY checklist” episode. This is a real conversation about: * why busy businesses still feel financially stressed * the dangerous trap of relying on the bank balance * panic spending and emotional EOFY decisions * the disconnect between profit and cashflow * avoidance, overwhelm, and financial pressure * and what financially calmer businesses tend to do differently. If EOFY has ever left you feeling exhausted, anxious, reactive, or questioning where the money actually went… this episode is for you. Because EOFY is rarely just about tax. It’s about visibility. Planning. Cashflow. Margins. Structure. And understanding what your business is really trying to tell you. This is the boring sh!t you need to know in business. To learn more about how we can work together and the practical financial education and coaching available for business owners, visit www.amybajada.com.au [http://www.amybajada.com.au]

EPISODE 223 : Debt That Builds vs Debt That Bleeds (Know The Line Before It Costs You Everything)

Not all debt is dangerous. And not all debt is smart just because the business can access it. In this episode, we break down the very real difference between debt that strategically helps a business grow… versus debt that quietly keeps a struggling business alive while bigger problems build underneath. This is an honest conversation about: * debt dependency * cashflow pressure * survival mode * operational gaps * reactive decision making * and the warning signs business owners often miss until it’s too late Because sometimes debt creates leverage. And sometimes debt simply delays the inevitable. If you’ve ever felt like: “We should be doing better than this financially…” or: “Why does cash still feel tight even though revenue is growing?” This episode is one you need to hear. Because debt itself isn’t always the issue. But unclear financial visibility absolutely can be. Take a listen EPISODE MENTIONS Small Business Cashflow Course [http://www.amybajada.com.au/cashflow]

EPISODE 222 : Profitable… So Where’s the Money?

Your accountant says the business is profitable… So why does cash still feel tight? Why are so many business owners making sales, growing revenue and technically turning a profit… while still feeling pressure every single week? In this episode, I'll unpack one of the biggest misunderstandings in business: the difference between profit and cashflow. Because a profitable business can still experience cash pressure — and this catches more business owners off guard than you might think. We'll break down: * Why profit and cashflow are not the same thing * How growing businesses can still run into cash problems * Where cash quietly disappears inside a business * Why “we’ll catch up next month” can become dangerous * The hidden impact of timing, payment terms and growth * Why visibility matters more than panic * The key questions every business owner should be asking beyond profit If you’ve ever looked at your numbers and thought: “Okay… so where’s the money then?” — this episode is for you. This is a practical, honest conversation about what’s really happening behind the numbers and how understanding cashflow differently can completely change the way you make decisions in business.