There‚Äôs a pretty famous song which goes a little something like this‚Ķlet‚Äôs get physical, physical, I wanna get physical, let‚Äôs get into physical. Now, while Kerry is not the next Olivia Newton-John, she is getting digital today alongside Kim for the Simply Biz Bean$ Podcast. When it comes to business finances we are often swamped in a case of over information which is coming from all the places ‚Äď paper, email, invoices in the back seat of the car type setup. Ready to dive in? Join Kerry and Kim as they discuss:

• Friendly spaces for our finances. Going from a shoe box full of receipts to a digital shoe box and upgrading your small business shoe size at the same time.
• Less layers, more simplicity. Practical solutions for making sure we can not only find, but don‚Äôt loose what we need as well.
• Key words for ease and searchability. How easy it can be to create a convoluted directory and filing system where info gets buried and forgotten.
• Creating a backup system (hint ‚Äď this is usually not your desktop) and taking measures for ‚Äėbackupping‚Äô as Kerry calls it for good measure.

It is possible to eliminate piles of papers and those stuffed full shoe boxes. It can make it easier for tax time and save hours of hunting and searching, giving you more time to join the virtual café and get on top of your finances. If you would like to begin to get digital alongside Kerry and Kim, we warmly invite you and all your shoe boxes over to the Biz Bean$ Club at https://www.kerryzarb.com/club.

Until next time, happy Biz Bean$ to you and see you again soon in the Simply Biz Bean$ virtual caf√© ūüôŹ

Cheers ‚ėē Kerry & Kim

No beans were harmed during the production of this podcast. Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

Who you gonna call? No, no we aren’t busting ghosts on this episode of the Simply Biz Bean$ Podcast. Kerry and Kim want to know who you going to call when we need advice, accountability and help and at the end of the day to simply have a conversation about our money and funds. What do we need to take into account when finding a mate in money conversations? Grab your coffee as Kerry and Kim explore:

• How your business finances are as private as your underwear. The importance of trust, confidentiality and credibility when it comes to your business finances.
• Sussing out the landscape. Kerry might even be trading her coffee for a beer and looking at it similar to a family barbeque. It‚Äôs important that we find a money mate which is not going to give us bad advice or gossip unnecessarily and this comes alongside experience in business finances.
• Starting with a conversation. It is unlikely you will put all your bean$ on the table together. The importance of bite sized pieces and having tools which help you get small understandings of finances, without the overwhelm.
• Why living proof matters. A biz bean$ bestie who isn‚Äôt afraid to share that they messed up, what they did about it and share mutually.

A big thanks to all the mates and friends who have hung out with us today at the virtual café. To access your free simple subscription tool as mentioned in this episode please head over to https://www.kerryzarb.com/simplesubs where you can begin to get on top of all your recurring payments and take control.

If you’re ready to find your money mates and join others (without any ghosts involved!) we invite you over to the Biz Bean$ club. Kerry and Kim are ready and waiting at https://www.kerryzarb.com/club and we look forward to seeing you there.

Until next time, happy Biz Bean$ to you and see you again soon in the Simply Biz Bean$ virtual caf√© ūüôŹ

Cheers ‚ėē Kerry & Kim

No beans were harmed during the production of this podcast. Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

Team members. Asset or liability when it comes to your business finances? That is one of the leading questions that Kerry and Kim ponder in today’s episode. However, it goes deeper than a choice between two simple words because while team members are 100% an expense, they can be 100% an asset to our small business. Hear their different points of view when it comes to team members for entrepreneurs as they chat about:

• How easy it can be to focus on what is going out of your bank account for team members such as superannuation, taxes, workers compensation, insurances and other additional costs.
• Slowing down to train and investing some time and attention in the beginning in order to benefit from a huge return on investment with the right team members. Starting small to make sure your budget can sustain having team members.
• Contractors vs employees. Levels of ownership, hourly rates and what each can bring to your small business. How your profit margin is a big contributing factor when deciding to involve contractors or employees.
• Shifting our thinking. When we get to a place where we can no longer do all the things, which means we cannot build past a particular point and learning how to delegate effectively.

Learning curves are inevitable when it comes to business finances and expanding the team is an exciting step for any entrepreneur. Keeping it simple, stripping it back to basics and joining forces with others are only some of the topics covered in the Biz Bean$ Club. You can join Kerry and Kim at https://www.kerryzarb.com/club where coffee meets money, and you can get in control of your business finances today.

Until next time, happy Biz Bean$ to you and see you again soon in the Simply Biz Bean$ virtual caf√© ūüôŹ

Cheers ‚ėē Kerry & Kim

No beans were harmed during the production of this podcast. Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

Cappuccino, Espresso, Macchiato, Mocha and all the Bean$ in between Kerry and Kim are back and talking all about variable income challenges in the small business world. Often, as entrepreneurs we have fluctuating income to navigate and it’s not unusual to feel uncertain about how to plan and manage our funds. Boil the kettle or grind some bean$ with your choice of beverage alongside as Kerry and Kim chat about:

• Service based businesses. The real deal peaks and valleys (troughs) that can be experienced. Allowing for the aggregate, adjusting to the averages and climbing the finance mountains with wisdom and knowledge in our backpack.
• Staying lean and mean when it comes to set, fixed and variable expenses. Keeping a tight eye on our expenses and not over committing. Kerry even has a magic tool for this very topic called Simple Subscriptions.
• Learning from our mistakes and deciding to do finances differently. It can be like a feast or a famine, with a lot of patience required. Watching out for the signs, changing your mindset and perception when it comes to varied income and influx of funds.
• Kerry pulls out the coffee crate and passionately chats about being in an ideal position to lower expenses in order to make more income and the juggle it takes to manage cashflow.

At the end of the day, whether you like your coffee too hot to handle or iced with cream piled on top, we cannot predict what the person behind us will order. Business finances are on a very similar page because we do not have the crystal ball served with coffee. To gain more control of fluctuating income we would love you to head over to the Biz Bean$ Club https://www.kerryzarb.com/club where you can ask questions in real life on Zoom and learn about finances in a delicious and fun way.

Until next time, happy Biz Bean$ to you and see you again soon in the Simply Biz Bean$ virtual caf√© ūüôŹ

Cheers ‚ėē Kerry & Kim

No beans were harmed during the production of this podcast. Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

In the land down under there’s a bit of a tradition that has started with an Easter Bilby, rather than the Easter Bunny. The internet reckons wild rabbits in Australia are 'ecosystem engineers', affecting natural environments, infrastructure and changing whole ecosystems with a population estimated to be 200 million. A bit like the bunny creating havoc across this great land, when we have all our eggs in one basket, it can also become a bit of a pest when it comes to business finances. Whether it’s a Cadbury egg or a hot cross bun with your coffee, pull up a chair and tune in as Kerry and Kim chew over:

• Relying on one client for a chunk of our business profit. The risks involved and how that can impact tax, relationships, and security.
• Personal stories and experiences when it comes to the difference between having a business and having a J.O.B.
• How various streams of income can help and putting ourselves in a position where we can reduce risk and avoid heightened levels of panic. Backup plans and emergency planning are important to take into account.
• Adapting to the seasons of life and circumstances that we may be experiencing as entrepreneurs. Not expecting our egg percentage to be flipped overnight ‚Äď while also not ignoring this important conversation within this episode.

If you are ready to crack open the eggs of your business finances, find a few more baskets and become less overwhelmed and confused, your seat at the virtual café is reserved in the Biz Bean$ Club. Head over to https://www.kerryzarb.com/club where you can ask questions and get back in the driver's seat of your finances.

Until next time, happy Biz Bean$ to you and see you again soon in the Simply Biz Bean$ virtual caf√© ūüôŹ

Cheers ‚ėē Kerry & Kim

No beans were harmed during the production of this podcast. Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

In today‚Äôs episode Kerry and Kim are bringing all the bank accounts in your business to the table, alongside a serving or two of spicy latte just for good measure. When many of us start our small business, it is a maze of to do lists and overwhelm at where to start. Opening a dedicated business account may sound simple and straight forward, however a lot of people fall into the trap of combining personal and business funds ‚Äď especially if they are a sole trader or sole proprietor and fresh to small business. This dynamo duo is passionate about drawing a line in the sand in today‚Äôs episode and explore:

• The hot mess of how easily business and personal funds can be morphed, making money complicated and without purpose.
• How we evolve and shift in business and how our bank accounts can come along to the table. It isn‚Äôt too late to order a cup of coffee and get serious about your business bank accounts.
• Why having more than one account can help you regain control and organise your finances better than your knicker drawer.
• The danger of credit cards in business and slippery slope which requires care, protection and parameters. Listen to Kim‚Äôs old school style approach in order to reset her thinking and spending.

You don’t need to do your business based on someone else’s idea of what works. There is a wealth of knowledge, not only within this very episode but also alongside Kerry at the Biz Bean$ Club. Head over to https://www.kerryzarb.com/club to find out more and expand the portfolio of your finance knowledge with Kerry in a simply and straightforward way.

Until next time, happy Biz Bean$ to you and see you again soon in the Simply Biz Bean$ virtual caf√© ūüôŹ

Cheers ‚ėē Kerry & Kim

No beans were harmed during the production of this podcast. Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

Business finances for entrepreneurs can often feel mystical and even to the point where we question its existence. Money flies in and funds fly out and sometimes it moves so fast we could be fooled into thinking it‚Äôs a bit like a magical unicorn. Kerry and Kim are getting curious today and asking, ‚Äėdoes your business money resemble a unicorn?‚Äô. A humorous question, for quite a serious topic, listen as Kerry and Kim discuss:

• Margins and profits in our business. How much are we really spending? Do we have anything to show for it? Are our leftover funds burning a hole in our pocket?
• When we first start a business and feeding the monster to keep the business afloat financially. Growing to a point of having surplus money and how that can teach us so much about ourselves as entrepreneurs.
• Putting money aside for the taxman and creating a buffer so you don‚Äôt fall into a trap where the unicorns are stomping you down.
• When you ask for a luxurious cappuccino and are served a budget cup of tea. The importance of budgeting and how it can upgrade your cup so you can enjoy every sip.

When unicorns take us in a different direction to where we want to go, the control centre can help reign in the fierce beasts. If you would like to gain access to the control centre template, assign jobs to your money, stay on track and pay attention to your funds and as mentioned in this episode the Biz Bean$ Club is the place to be https://www.kerryzarb.com/club.

Until next time, happy Biz Bean$ to you and see you again soon in the Simply Biz Bean$ virtual caf√© ūüôŹ

Cheers ‚ėē Kerry & Kim

No beans were harmed during the production of this podcast. Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

Can we possibly be like Kerry and jump out of bed and get excited for our finances? Or are your digits in the doghouse and sleeping on the couch instead? When it comes to business finances you might not immediately think of candlelit dinners, a romance chick flick and getting’ cozy and comfortable. Yet, in this episode Kerry and Kim challenge entrepreneurs all around the world with the idea of setting a date for your digits. A time and space which doesn’t belong to anyone else, dedicated to your business finances. Do you think your money and funds deserve your time and dedication? Kerry and Kim do, and they explore this concept further in this episode by discussing:

• The importance of setting and sticking to an appointment timeslot in your calendar. Finances can be an easy task to avoid unless we keep faithful and consistent with our commitment on the calendar.
• How bite sized commitments can avoid so much overwhelm (especially with deadlines at tax time!). And even though we might want to kick and scream and cause a fit, the smaller habits stick a lot longer than one humungous task.
• The personal challenge of pain and reward (Kerry loves this game when sitting at the table with her funds).
• Being selective about time of day for digit dates. When is your bandwidth humming? What works to set the wheels in motion? Are you trying to drink too many coffees in order to cope?

To avoid divorcing your digits the Biz Bean$ Club is held monthly in the virtual cafe, giving you the opportunity to ask questions and get in control of your business finances! We would love to see you there https://www.kerryzarb.com/club.

Until next time, happy Biz Bean$ to you and see you again soon in the Simply Biz Bean$ virtual caf√© ūüôŹ

Cheers ‚ėē Kerry & Kim

No beans were harmed during the production of this podcast. Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

Whether it‚Äôs 000 or 911 you call in an emergency, it‚Äôs clear we can‚Äôt plan for everything, but its aok with Kerry and Kim because they‚Äôve got your back. No need to panic, simply strap your business finances in and prepare for brilliance as they talk all about the importance of emergency funds for your business. As entrepreneurs‚Äô we know risk is not a stranger at the finance table, at the same time our livelihoods can be on the line. What happens when we take that risk too far? When we sell ourselves short and become complacent that nothing ‚Äėbad‚Äô is going to happen? There is no doubt the Financial Designer is ready and rearing to go with the Princess and her coffee closely behind. Take note as they discuss:

• Creativity counts (yes even when it comes to business finances!). When you are in a stuck and paralyzed zone it can shut down your ability to solve problems, which means the coffee cup is running on empty and we need to put in effort with each sip.
• Can you lessen your expenses for a short time? Increase revenue? Tuck a few bean$ away in a rainy-day fund?
• Robbing Peter to pay Paul. Taking care if we are borrowing funds from our emergency funds and making a commitment to put it back. Looking down the road to stay in business long term, rather than flopping early and closing your business because the funds are drained.
• Like a kid when you got pocket money, there is great benefit of having a plan before you need it and the safety net it can create. Whether you can manage a dollar a week, $5 or $50 ‚Äď you have a choice and there is no limit to what you decide.

What exactly was Kerry chatting about while on mute in this episode? Was it the hard to hear fact that inability to generate sufficient funds is one of the highest reasons why people close their businesses? Where is the best place to keep your emergency funds? All great questions and tune in for wonderful wisdom in your virtual café within this episode. To start setting a date with your digits right now, alongside Kerry and all her wisdom you can join the Biz Bean$ Club today https://www.kerryzarb.com/club.

Until next time, happy Biz Bean$ to you and see you again soon in the Simply Biz Bean$ virtual caf√© ūüôŹ

Cheers ‚ėē Kerry & Kim

No beans were harmed during the production of this podcast. Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

When was the last time you pressed a button for a free trial? You know the ones that want your credit card details!

Perhaps you grabbed an app from one of the app stores, we've called that the "easy button" to press.

When running our small business we do need to be careful of all the toys we are signing up for. Penny snatchers - be gone from our bank accounts or credit cards.

If you are not sure how many you are paying for or if any have slipped past you in the night, you can grab a free copy of Simple Subs right here:

If you want to save money in your business, you can get started for FREE with "Simple Subscriptions"

This tool is built with the sole purpose to list all your recurring payments, making decisions on what you want to keep or cancel, and keeping you accountable to make those moves.

Grab it right here - https://www.kerryzarb.com/subs

We hope you enjoy this experience ūüôŹ

Cheers ‚ėē Kerry & Kim

To get the latest Biz Bean$ updates in your inbox, https://kerryzarb.com/news

Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.