Let’s face it—cash flow keeps most business owners awake at night, especially in today’s tough climate. In this value-packed episode, you'll find a no-nonsense approach to breaking down one of the most critical (and often overwhelming) aspects of running a business: managing and protecting your cash flow.

We kick off with a reality check we all need to hear: Even when sales look strong, surprises like slow-paying clients or chunky loan payments can leave your bank balance gasping for air. But there’s light at the end of the tunnel! Whether you’re just starting out or navigating a rough patch, this episode demystifies cash flow and working capital with real-world examples and actionable steps you can put in place right away.

Here’s what you can expect from this episode:

Clear, jargon-free explanations of what cash flow and working capital really mean for your business.

The most common traps that lead to cash flow issues—even when your revenue looks healthy.

Practical strategies for getting ahead of cash crunches, from smarter invoicing and expense cuts to negotiating better payment terms.

Tips for building up a cash reserve (without starving your business).

Why regularly reviewing your financials and staying flexible is non-negotiable—and how to actually do it.

How a line of credit (used wisely!) can be your safety net during bumpy times.

This episode doesn’t just spotlight the problems—and gives you a roadmap to take control. You’ll leave this episode ready to implement simple habits that keep your business running smoothly, even when life throws you curveballs.

Ready to take back control of your cash flow?

Hit play to learn how to avoid the cash flow crises that can threaten your business dreams. And if you want to dive even deeper, don’t forget to check out my Small Business Cash Flow Course

Listen now and start building a business that thrives—no matter what comes your way!

Check out EPISODE 167 : From Struggle to Stability : The Working Capital Guide as mentioned in the episode.

Is your business truly ready for an unexpected setback? In this episode, I dive deep into a topic that’s often overlooked but absolutely crucial for long-term success: contingency planning for your business finances.

Every business, no matter how successful, is bound to hit rough patches. But it’s not the setback that determines your business’s fate—it’s how you respond. Prepare to unpack practical, actionable strategies that go beyond hope and guesswork. This episode outlines why having a solid contingency plan isn’t about being paranoid; it’s about putting yourself in control, even when life throws you a financial curveball.

Here’s what you’ll get out of this episode:

Real talk on risk: Why it’s not a question of “if” something will go wrong, but “when”—and how to stop pushing this uncomfortable truth to the back of your mind.

Step-by-step planning: A breakdown of the essentials of building a contingency plan tailored to your business, from identifying risks and setting up emergency funds, to embracing flexible operations.

Actionable tips: Learn how to start saving for a rainy day—even when cash flow is tight—and why regularly reviewing your financials could save your business before trouble spirals out of control.

Team & solo advice: Whether you're managing a team or are a solo operator, I share how communication and preparedness can keep you steady in a storm.

Next steps you can take today: Not sure where to begin? I encourage you to take small, manageable actions this week—like assessing your business risks and starting that emergency fund.

If you want clarity, confidence, and peace of mind about your business’s future, this episode is for you.

Ready to take charge and future-proof your business? Hit play and learn how to transform setbacks into comebacks with a strong financial safety net!

👉 Love what you hear? Share this episode with another business owner who needs it, and make sure to subscribe so you never miss the important (and sometimes boring!) stuff that makes business great.

If your business finances are feeling tangled or out of control, you’re not alone—and you’re certainly not out of options!

In the latest episode of The boring sh!t in business, we dive into the fundamentals of budgeting and forecasting, and why they’re absolute game-changers for small business owners.

Here are my top 3 takeaways:

Treat budgeting and forecasting like financial muscles

Zero-based budgeting is your friend

Never underestimate cash flow forecasting

My advice? Don’t wait for things to “settle down.” Start simple, stay consistent, and your financial clarity—and confidence—will grow every month. If you haven’t built your budget for next month yet, now’s the time! 💡

Pricing is one of the most crucial decisions you'll make for your business, and there's no one-size-fits-all solution. It's about balancing costs, value to your customers, and maximising revenue. Here are some key takeaways from my latest podcast episode, where I dive into the art and science of pricing strategies:

🔹 Understand Your Costs: Before setting prices, you have to know your costs inside and out. You can't set a profitable price if you don't know how much it costs you to produce a product or service.

🔹 Know Your Customer: Pricing isn't just about costs—it's about understanding what your customer values and what they're willing to pay. Value-based pricing can set you apart if you know how to communicate that value effectively.

🔹 Test and Adjust: Pricing is not a set-it-and-forget-it task. Regularly evaluate your pricing strategy's performance, adjust based on sales, and consider external factors like competitors' prices and market changes.

For a deeper dive into how these strategies can impact your revenue and your business's growth, listen to this full podcast episode. Let's make sure your pricing strategy is working for you, not against you! 💡

In this episode, we're diving deep into a topic that might not be the flashy headline-grabber, but it's absolutely critical for your business—working capital.

Here’s a sneak peek of what you can expect:

The Lifeline of Your Business: Working capital is the heartbeat that keeps your business ticking. It's not just another figure on your balance sheet; it's the fuel that runs your day-to-day operations.

Balancing Profit and Cash Flow: Did you know you can be profitable yet still run out of cash? We'll explore why profit is about the long game, while working capital keeps you grounded in the present.

Practical Tips for Improvement: From speeding up receivables to managing payables and inventory, discover actionable steps to streamline your working capital management and keep your business thriving.

Don't miss out—tune in to explore how a few strategic tweaks can strengthen the financial health of your business. I'd love to hear what you think, so please share your thoughts and questions after listening!

🚀 Unveiling the Hidden Power of Your Balance Sheet!

In the latest episode of "The boring sh!t in business," I dove into the often overlooked but incredibly powerful tool in business finance: the balance sheet! While it may not sound as thrilling as cash flow or profit margins, understanding your balance sheet can be a game changer for your business. Here's why:

🔍 Key Takeaways:

Financial Health X-ray: Your balance sheet is like the x-ray of your business, revealing what lies beneath the surface. It gives you a clear picture of how you're funding your operations and shows you whether you're in a strong position to invest in growth or weather challenging times.

Assets, Liabilities, and Equity: Think of your balance sheet as a snapshot of your business's financial position at a specific point in time. It details your assets (what you own), liabilities (what you owe), and equity (what's left over for you).

Empower Your Decision Making: Once you understand how to read your balance sheet, it becomes a powerful tool for making informed decisions. Whether it's tightening up your accounts receivable process or negotiating better terms with suppliers, the insights are invaluable.

Tune in to the episode for an in-depth guide to getting comfortable with your balance sheet and using it to your benefit. Don't forget to share with fellow business owners!

Unlocking Business Success: Costs & Profits Matter More Than You Think ...

Running a business without a clear understanding of your costs and profits is like navigating without a compass. In my latest episode we dive deep into why these "boring" numbers are your business's quiet achievers.

Here are 3 key takeaways from this episode that could transform your business strategy:

Break Even to Break Free: Understand the critical importance of calculating your breakeven point. It's the milestone where your revenue covers your costs, enabling you to move from merely surviving to thriving.

Decoding Costs: Differentiate between fixed costs (think rent, insurance) and variable costs (like supplies for service-based businesses). This knowledge is the backbone of strategic decision-making.

Profit Drivers Matter: Identify high-margin services to amplify profits. Don't shy away from adjusting pricing to reflect true value and never underestimate the potential of bundling or loyalty programs.

Gaining clarity on your business finances can empower you to make informed decisions and set your company up for long-term success. Dive into your numbers this week—start small, but start today.

Take a listen 🎧

In this episode, we delve into a crucial aspect of business management: cost cutting with confidence. In these challenging times, it's essential to know how to effectively cut costs without jeopardising the core of what makes your business successful.

Here are three key takeaways from the episode:

🔍 Be Strategic, Not Impulsive: Before making any cuts, evaluate the purpose behind them. Each decision should have a clear goal and measurable impact.

📈 Understand the Ripple Effect: Cutting costs might save money upfront, but consider potential hidden costs that could arise, such as reduced product quality or slower service delivery due to cheaper suppliers.

🤝 Communication is Key: When cuts involve team members or contractors, ensure open communication. Remember, your team is vital to your success, and any change in their roles can affect your business’s performance.

Thinking about cost cutting in your business? Remember, it’s not just about savings—it’s about strengthening your business for the long haul.

Take a listen. 🎧

We've all been there—making business decisions based on gut feelings. And while intuition has its place, when it comes to growth and profitability, it's data that tells the real story.

In this episode, I’m diving into why data-driven financial decisions are a game-changer for your business. I’ll share simple, practical ways to use your numbers to make smarter choices, spot problems early, and build a more profitable future.

Here’s what you’ll learn:

Think of your data as your business GPS—guiding you to smarter decisions and stronger results.

🔗 Tune in now and take the guesswork out of your financial decisions!

Growing a successful business isn’t just about selling more—it’s about knowing where your real profits are coming from.

In this episode of The Boring Sh!t in Business with Amy Bajada I'm tackling a game-changing topic: how to identify which products or services are truly making you money—and which ones might be holding you back. 💡

✅ Know Your Profit Margins – Sales numbers alone don’t tell the full story. It’s time to break down the true profitability of each product or service by subtracting costs from revenue. 

⏳ Measure Time & Resources – Not all revenue is created equal. If a product or service is eating up your time and resources without delivering a solid return, it may be time to streamline or let it go.

🗣 Tap into Customer Insights – Your customers hold the answers! Their feedback can reveal what’s working, what’s not, and where there’s room for improvement. Listening to them can help you refine your offerings and maximise profits.

📊 Business growth isn’t just about working harder—it’s about working smarter. Join me for this deep dive and discover how to focus on what truly drives profitability in your business.

🔊 Listen now and start making more strategic, profit-driven decisions!