The boring sh!t in business Podcast with Amy Bajada

EPISODE 212 : The Weekly Money Meeting That Stops Cashflow Surprises

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.No 3-hour spreadsheet sessions.No overwhelm.
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:“I didn’t see that coming…”This episode is your new weekly reset.
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.Control is weekly.
 

EPISODE 211 : The Silent Profit Killers Hiding in “Small” Expenses

They don’t look dangerous.They don’t feel urgent.And they rarely get reviewed.
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.It’s about visibility, intention, and understanding what your expenses are doing to your margins over time.
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

EPISODE 210 : The Business Points Game: How to Earn Them Without Losing Your Head (or Your Cashflow)

Can your business earn points on the money it’s already spending?Yes. But only if it’s done properly.
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.It’s about structuring spend you already have.
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:Points should follow good financial decisions — not drive them.
 
💡 Quick check for your business:Would you still spend this money if points didn’t exist?If the answer is yes, this episode will help you make that spend work harder.
 
🎓 Want help getting your cashflow structured so decisions like this become easy?Check out the Small Business Cashflow Course here
If this episode got you thinking, share it with another business owner who’s been wondering about the points game.

EPISODE 209 : Your Break-Even Point Is Moving (And It’s Costing You Profit)

Quick question: Do you know what your business needs to earn this month just to cover its costs?
Not last year.Not when you first calculated it.Right now.
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

EPISODE 208 : Busy Isn’t Profitable: Why Underpricing Is Killing Your Cash Flow

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.
This episode discusses:
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
 
 
 

EPISODE 207 : Why 13 Weeks Is the Best Starting Point for Cashflow Planning

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.
 

EPISODE 206 : “I Didn’t Know Where the Money Was Going” — A Client Reset Story

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.But cash felt tighter than it should have, especially when it came time to make forward decisions around growth.
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.It’s about what changes when financial information is structured in a way that actually supports real business decisions.
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 ... 

EPISODE 205 : Setting Money Rules for 2026 (So Every Decision Is Easier)

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 : amy@amybajada.com
website : www.amybajada.com.au 

EPISODE 204 : The First 4 Numbers You Need Before You Touch Anything in Your Business This Year

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.
In this episode, we cover:
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 don’t need fancy spreadsheets.And you definitely don’t need to have it all figured out.
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 ...
email amy@amybajada.com
touch base on insta @amybajada_coaching
check out my website www.amybajada.com.au

EPISODE 203 : The Cashflow-First Way to Set Small Business Goals for the New Year

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)..
Small Business Cashflow Course – Learn the exact system I teach clients to create clarity, stability, and predictable cashflow
Free Office Hours sessions
Book a discovery call