Insights

Cash is king For many small business owners, cashflow is the lifeblood of operations - but it’s also one of the most overlooked areas. You might be making sales and even turning a profit on paper, but if money isn’t flowing in when you need it, you can quickly find yourself in trouble. Late invoices, unexpected expenses, or seasonal dips can all create cash crunches that stall growth or even threaten survival. The good news? Cashflow management doesn’t have to be complicated.

From July 2026, Australia’s super rules get a significant shake-up. These changes are designed to protect workers, improve retirement outcomes, and tighten compliance. Here are the key points in plain English. 1. “Payday Super” Becomes Mandatory The biggest shift: employers must pay super at the same time as wages , not quarterly. That means every pay cycle, your super goes directly into your fund. Why it matters: Employees benefit sooner — money hits your super earlier and c

Bookkeeping is the day-to-day recording of financial transactions. It’s like keeping a diary of every sale, purchase, payment, and receipt.