Welcome back to Money First, CEO, with your host Harman Johnston, who shares her journey from a one-person operation to a thriving business through smart money habits and systems. This episode focuses on the importance of delegation, highlighting the pitfalls of trying to do everything yourself and offering practical steps to effectively delegate tasks. Harman discusses how using platforms like Upwork and Fiverr, setting clear expectations, and starting small can free up valuable time for revenue-generating activities. By sharing personal anecdotes and actionable insights, Harman illustrates how proper delegation can boost profits, reduce stress, and provide a better quality of life for business owners.

 

00:00 Introduction to Money First, CEO

01:00 The Importance of Delegation

01:38 The Problem with Doing It All

03:27 The Power of Delegation

05:22 Effective Delegation Strategies

07:48 Overcoming Delegation Fears

09:16 Conclusion and Takeaway 

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: [email protected]

Welcome to Money First, CEO, with Harman Johnston, an expert bookkeeper, profit-first professional, and business coach from Sydney, Australia. This episode focuses on envisioning a fearless business quarter, free from self-doubt and overwhelm. Harman emphasises the power of financial clarity and strategic bold moves based on real data. Listeners are guided through actionable steps such as reviewing bank account transactions and making informed decisions to raise prices, cut unprofitable offers, and hire necessary help. The episode challenges business owners to overcome uncertainty, take proactive actions, and lead their businesses with confidence.

 

00:00 Introduction to Money First, CEO

00:56 Overcoming Fear and Taking Bold Actions

01:55 Strategies for a Fearless Quarter

03:15 The Importance of Knowing Your Numbers

04:03 Actionable Steps for Financial Clarity

05:26 Challenge for the Week

05:52 Conclusion and Next Steps

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: [email protected]

Unlocking the Five Types of Wealth: A Holistic Approach to Business Success

In this episode of Money First, CEO, host Harman Johnston introduces listeners to the five types of wealth, inspired by Sahil Bloom's framework, which she encountered at Angela Henderson's Women in Business Conference. Harman underscores the significance of balancing time, social, mental, physical, and financial wealth to create a thriving business and fulfilling life. She explains how money is instrumental in building each type of wealth and offers practical tips to improve them. The episode concludes with a call to action for listeners to reflect on their current wealth balance and recognize areas that need attention. Tune in for insights that will help you achieve holistic wealth and unlock the freedom you deserve. Take the wealth score quiz at https://www.wealthscorequiz.com/. For more resources, visit https://blubookkeepers.com.au/services/profit-first/.

00:00 Introduction to Money First, CEO

00:59 The Five Types of Wealth

02:07 Time Wealth: Owning Your Time

02:47 Social Wealth: Building Strong Relationships

03:27 Mental Health: Clarity and Calm

04:07 Physical Health: Energy and Wellbeing

04:36 Financial Wealth: Stability and Security

05:16 Reflecting on Your Wealth Balance

06:01 Conclusion and Next Steps

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: [email protected]

This is a special episode as we welcome our first guest, Mike Michalowicz. Mike is the author of Profit First and a global expert on small business finance. His mission is to end entrepreneurial poverty, and he's helped thousands of business owners take control of their money.

We talk about the real mistakes that keep business owners stuck, the myth of growing your way to success, and why taking profit first is a game changer. If you're feeling the pressure of cash flow or struggling to pay yourself, this episode will help you shift your mindset and take action.

In this episode, we cover:

• The number one money mistake business owners make
• Why growing a business is not the same as scaling
• How to start Profit First even if cash is tight
• The power of outside accountability
• Why women often sacrifice too much in business, and how to change that

Simple action you can take today:
Open a separate profit account and transfer 1 percent of your income. Small steps build strong habits.

Resources mentioned:

• Grab a copy of Profit First by Mike Michalowicz
• Listen to Episode 5 of Money First CEO where I walk you through how to get started with Profit First

Want support to put Profit First into practice?
We help business owners take control of their cash and grow profit with clarity and confidence. Learn more at blubookkeepers.com.au/services/profit-first

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: [email protected]

In this episode of Money First, CEO, Harman Johnston discusses the critical importance of setting boundaries in business. Harman shares a personal story about the costly mistake of saying yes to a rush job, highlighting how it drained her resources and affected her profits. She explains why saying no to low-value clients and requests is essential for maintaining profitability and mental well-being. Harman offers a three-step plan for saying no effectively: knowing your priorities, using polite scripts, and offering alternatives. She encourages listeners to start by declining one low-value request this week and tracking the benefits. The key takeaway is that setting boundaries allows business owners to focus on high-margin clients and tasks, leading to greater profits and a more sustainable business.

 

00:00 Introduction to Money First, CEO

01:00 The Power of Saying No

01:22 Real-Life Example: The Cost of Saying Yes

02:00 The Importance of Boundaries

03:45 Steps to Set Boundaries

05:32 Action Steps and Conclusion

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: [email protected]

In this episode, Harman discusses the challenges of dealing with late payments and how it affects cash flow and overall business health. She outlines practical steps to improve debtor follow-ups, including sending friendly reminders, automating notifications, and making payment processes easier for clients. Harman shares a three-step plan to ensure timely payments without alienating clients and offers tips for handling tough debtors. The episode emphasises the importance of disciplined financial practices and provides actionable advice to boost cash flow and profit margins.

 

00:00 Introduction to Money First, CEO

01:00 Chasing Cash, Not Clients

01:19 The Pain of Late Payments

02:11 Using Debt Collection as a Profit First Tool

03:28 Creative Follow-Up Strategies

05:17 Handling Tough Debtors

06:10 Weekly Takeaway and Conclusion

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: [email protected]

In this episode of Money First, CEO, Harman Johnston discusses how to keep customers forever with cash-boosting loyalty strategies. She shares her personal experience of losing a $10,000 client and explains the significant costs associated with acquiring new customers compared to retaining existing ones. Johnston outlines a three-step plan to enhance customer loyalty: personalising interactions, creating loyalty programs, and following up with value-added content. She emphasises the importance of loyal customers in stabilising cash flow and boosting profits. Additionally, she provides actionable insights, such as sending personalised thank you notes, which can lead to significant financial gains and stronger client relationships. The episode concludes with a weekly takeaway, encouraging listeners to send a personalised gesture to a loyal customer and observe the impact.

 

00:00 Introduction to Money First, CEO

01:00 Keeping Customers Forever: Cash Boosting Loyalty Secrets

01:22 The Cost of Losing Customers

02:30 Loyalty as a Cash Flow Strategy

03:44 Three-Step Plan to Build Customer Loyalty

05:26 Overcoming Challenges in Customer Retention

06:06 Weekly Takeaway: Strengthening Customer Connections

06:44 Conclusion: Start Building Loyalty Today

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: [email protected]

Mastering the 80/20 Profit Hack: Work Less, Earn More 

In this episode of 'Money First, CEO,' host Harman Johnston is focused on helping business owners leverage the 80/20 rule (Pareto Principle) to maximise their profits while reducing work hours. Harman shares her own experience of how focusing on top revenue-generating clients significantly increased her profits. She explains the importance of analysing sales data to identify high-value clients or products and offers actionable steps to prioritise them while phasing out or delegating less impactful tasks. Harman underscores that this approach not only boosts cash flow and profitability but also reduces stress and improves business sustainability. Listeners are encouraged to apply these principles gradually and track their progress, positioning themselves for financial freedom and sustained success. 

 

00:00 Introduction to Money First, CEO 

01:00 Welcome Back and Today's Topic: The 80/20 Profit Hack 

01:20 Understanding the 80/20 Rule 

02:00 Applying the 80/20 Rule in Business 

03:38 Steps to Implement the 80/20 Rule 

05:04 Overcoming Resistance and Final Thoughts 

05:52 Action Steps and Conclusion 

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: [email protected]

Hiring can make or break your business finances. In this episode of Money First CEO, I share how to build a cash-savvy team that helps you grow profits without draining your bank account. I talk about how rushing into hiring can hurt your cash flow, why hiring strategically is a Profit First move, and how to make sure every hire adds value, not stress.
 
 I walk through my own story of hiring too fast and how it hit my cash flow hard. Then, I share how I turned things around by applying Profit First principles to the hiring process. We’ll talk about how to decide when to hire, what to delegate first, and how to measure if your team is truly paying off.
 
 You’ll also hear my three-step system for hiring smart: identifying tasks that don’t need you, starting small with part-time or freelance help, and tracking results from day one. Plus, I explain how I use Profit First accounts to fund team growth without touching profit or owner’s pay.
 
The takeaway? Hire slow, test before you commit, and make sure every dollar spent gives you time, energy, or income back. A team built this way will grow your business, not drain it.

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: [email protected]

In this episode of Money First, CEO, Harman Johnston gets real about one of the biggest mindset shifts in business: charging what you’re truly worth. If you’ve ever hesitated to raise your rates or felt weird asking for more money, this episode is exactly what you need.

Harman shares the story of how undercharging in her early days nearly burned her out, and how switching to value-based pricing changed everything. From breaking down what undercharging really costs you, to simple steps for raising your rates, this is a must-listen if you’re ready to grow without guilt.

You’ll hear: - The real impact of low prices (it’s more than money) - Why pricing based on time is keeping you stuck - A simple formula to help you charge with clarity - What to say when someone says “you’re too expensive”

Money First Move This Week: Pick one offer. Raise the price by 10–15%. Test it. Track how it feels. Watch your confidence grow.

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: [email protected]