The boring sh!t in business Podcast with Amy Bajada

Cashflow surprises don’t come out of nowhere.

They build quietly — in the gaps between you and your numbers.

In this episode, I’m walking you through the simple weekly ritual that eliminates financial shocks before they hit your bank account.

No complex dashboards.

Just one structured 30-minute meeting each week that shifts you from reacting to leading.

Inside this episode, we cover:

Why cashflow “surprises” are usually visibility issues

The real reason most business owners feel blindsided by their bank balance

The exact 5-step structure of a Weekly Money Meeting

How to forecast loosely (without complicated modelling)

Why cadence, not complexity, builds financial confidence

The one rule that makes this meeting powerful

This isn’t about checking your bank balance and hoping for the best.

It’s about creating a rhythm with your numbers so nothing sneaks up on you again.

If you’ve ever thought:

And if you want to go deeper and build a proper cashflow forecasting system behind this rhythm, my Small Business Cashflow Course walks you through exactly how to do that — starting from $497.

Because awareness is occasional.

They don’t look dangerous.

But small, recurring expenses are often the quiet reason profit feels tighter than expected.

In this episode, we’re talking about the silent profit killers hiding inside everyday business spending — subscriptions, auto-renewals, convenience costs, duplicated tools, and those “it’s only $49 a month” decisions that add up fast.

This isn’t about cutting everything.

Because when small costs go unchecked, they quietly reshape your profit, your cashflow, and the pressure on your sales.

Inside this episode, we cover:

Why small expenses are more dangerous than big ones

Where silent profit leaks tend to hide

How cost creep affects margins and cashflow

The true annual impact of “just a few” subscriptions

A simple process to review and reset your expenses

How to build an intentional spending rhythm in your business

If profit feels tighter than it should, this episode will help you reconnect the dots between spending and results.

Episode links >> Small Business Cashflow Course Details

Can your business earn points on the money it’s already spending?

In this episode, we’re breaking down how Australian business owners are using everyday expenses — software, ads, suppliers and even ATO payments — to generate points and rewards without creating cashflow pressure or unnecessary debt.

This isn’t about chasing points.

We cover:

Business credit cards and rewards systems

Platforms like pay.com.au and similar bill-pay tools

Where points strategies make sense

Where they can quietly cause problems

How to make sure this stays a bonus, not a distraction

Because the goal is simple:

💡 Quick check for your business:

🎓 Want help getting your cashflow structured so decisions like this become easy?

If this episode got you thinking, share it with another business owner who’s been wondering about the points game.

Quick question: Do you know what your business needs to earn this month just to cover its costs?

Not last year.

Because if your expenses have increased (and for most businesses they have), your break-even point has moved. And if your pricing hasn’t kept up, you could be working just as hard for less profit.

In this episode, I'll break down one of the most dangerous numbers in business: an outdated break-even. You’ll learn why it shifts, how it quietly erodes profit, and what to track so you stay ahead of it.

If revenue looks steady but profit feels tighter… this episode will help you pinpoint why.

🔎 What we cover in this episode

Why break-even is not a fixed number

How rising costs quietly shift your baseline

The real reason profit can disappear even when sales are steady

How hiring, pricing and capacity changes affect break-even

Why many businesses drift into lower profit without noticing

How often you should recalculate your break-even

The key numbers to track going forward

Simple steps to review your baseline and make clearer decisions

💡 Key takeaway

Most businesses don’t suddenly become unprofitable — they drift there.

When costs rise but pricing or structure doesn’t adjust, your break-even creeps closer to your revenue. That shrinking gap is what makes profit feel harder.

Clarity around your real baseline allows you to make better decisions around pricing, hiring, costs and growth.

🧮 Action steps after listening

List your current monthly fixed costs

Add realistic variable costs

Calculate the revenue required to cover both

Compare this to your current average revenue

Ask: Is there enough gap left for profit?

If not, adjustments can be made — pricing, volume, costs or structure. But you need visibility first.  Take a listen

Are you flat out in your business… but still feeling like the money never quite matches the effort?

If you’re busy every day, booked solid, constantly delivering — yet cash flow feels tight and exhausting — this episode is for you.

In this episode, I'll break down one of the biggest (and most expensive) mistakes small business owners make: underpricing their services and trying to “fix it” by working harder.

Being busy might look productive, but it doesn’t automatically mean your business is profitable — and in many cases, it’s actually the warning sign.

Why being busy doesn’t equal being profitable

The hidden costs of underpricing (spoiler alert ... time, energy, cash flow)

How volume becomes a trap when pricing isn’t right

Why underpricing leads to burnout, resentment, and constant pressure

The real reason cash flow feels tight even when sales are coming in

How to spot if your pricing is quietly sabotaging your business

What sustainable pricing actually makes possible in your life and business

This episode is for any business owner who’s tired of being flat out but underpaid.

No jargon. No fluff. Just clarity.

🎧 Press play if you’re ready to stop confusing “busy” with “successful” and start building a business that actually pays you properly.

Show note links as promised

Learn more about managing cash flow >> www.amybajada.com.au/cashflow OR www.amybajada.com.au/creatingcash

Learn more about pricing >> www.amybajada.com.au/sbpcwaitlist

Want to talk about 1:1 coaching>> www.amybajada.com.au/discoverycall

Check out other ways to connect www.amybajada.com.au

Cashflow planning doesn’t need to be complicated — but it does need to be useful.

In this episode, I’m breaking down why a 13-week cashflow forecast is the smartest place to start, especially if planning has felt overwhelming or hard to stick to in the past.

I’m a big believer in planning ... but planning works best when it’s sequenced properly. Most business owners already have the information they need. What’s missing is structure and a clear point of reference.

A 13-week view gives you visibility over what’s coming up, helps you make informed decisions now, and creates a solid foundation you can build longer-term plans from ... including 12-month forecasting.

In this episode, we cover:

Why you don’t need to start with a 12-month cashflow plan

How short-term visibility creates more control, not less

Why most cashflow overwhelm comes from a lack of structure, not effort

How a 13-week forecast becomes a practical decision-making tool

Simple, actionable steps to get started this week

If you want cashflow planning to feel clearer, calmer, and more manageable ... this episode will help you reframe where to begin.

🎧 Listen now and start building clarity, one decision at a time.

👉 Want support putting this into practice?

Check out the Small Business Cashflow Course — where we build strong cashflow foundations first, then layer in long-term forecasting with confidence.

It’s possible to be profitable and still feel uncertain about cash.

In this episode, I walk through a real client story — a product-based, online business that was operating well on paper, reviewing expenses regularly, and generating consistent revenue… yet still struggling to clearly see where the money was actually going.

This wasn’t a business in crisis.

In this conversation, I unpack:

how reviewing expenses in isolation can limit financial visibility

why profit is often used as a stand-in for cash — and where that breaks down

what happens when all costs are finally looked at together, in context

how understanding timing changes decision-making

and why pricing and margins play a critical role in cash performance, not just profitability

This episode isn’t about fixing anything or working harder.

If you’ve ever felt hesitant to move forward because cash didn’t feel as clear as it should, this episode will resonate.  Take a listen ... 

Do you overthink every money decision in your business?

Spending, hiring, marketing, subscriptions — even small financial decisions can feel heavy, emotional, and exhausting when you don’t have a clear structure in place.

In this episode, I’m walking you through how to set money rules for 2026 — simple, practical decision-making frameworks that remove emotion, protect your cashflow, and create calm when pressure is high.

These aren’t restrictive budgets or complicated systems. They’re pre-decisions and financial boundaries you set during calm periods, so you’re not scrambling when opportunities, ads, and “you should be doing this” noise show up.

If you want to stop second-guessing yourself, reduce financial stress, and make confident business decisions faster in 2026, this episode is for you.

Take a listen ...  A x

Ways to connect ... 

email : [email protected]

website : www.amybajada.com.au 

If the word numbers makes you feel overwhelmed, avoidant, or quietly stressed — this episode is for you.

Before you set goals, raise prices, hire staff, launch something new, or tell yourself you “just need more sales,” there are four numbers every business owner needs to know first.

Not to judge yourself.

Not to beat yourself up.

But to finally get clarity, control, and confidence in your business decisions.

In this episode, I'll breaks down — in plain English — the four foundational numbers that underpin every financially stable business, and explain why trying to grow without them almost always leads to burnout, confusion, or unnecessary pressure.

This is a conversational, coaching-style episode designed for business owners who’ve always felt uncertain about how to make the “numbers thing” actually work.

Why being busy does not equal being financially safe

The first number you should check before making any business decision

How understanding your fixed expenses reduces stress and guesswork

Why gross margin matters more than “more clients”

The one number that helps business owners sleep better at night

How these four numbers work together to guide smarter decisions

A simple reflect-and-take-action moment you can do immediately

You don’t need to be good at maths.

You just need visibility — and this episode gives you exactly that.

🎧 Press play if you want to stop guessing and start making decisions from a place of clarity.

Ways you can get in contact ...

As the new year approaches, most small business owners feel the pressure to set bigger goals, earn more money, and “do better” than the year before. But here’s the truth: traditional goal-setting doesn’t work if your financial foundations aren’t supporting you.

In this episode, I wanted to share a powerful cashflow-first approach to setting business and financial goals for the year ahead — one that’s grounded in clarity, profit, sustainability, and real-world decision making. You’ll learn how to create goals that actually stick, how to align business and personal financial needs, and how to build a plan that adapts as your business evolves.

Whether you're planning for 2026, refining your financial strategy, or simply wanting to feel more confident with your money, this episode gives you a practical, no-fluff roadmap to set yourself up for long-term success.

Listen now ..

Links as per episode (ways we can work together)..