The boring sh!t in business Podcast with Amy Bajada

EPISODE 178 : Simple Strategies to Speed Up Your Cash Flow and Boost Profits

Ready to finally get a handle on one of the most overlooked drivers of real business success? In this episode, I've decided to shake up the format on the Spotify Platform by going video (yep, by popular demand!... so be sure to check it out) and dive deep into the cash conversion cycle—what it is, why it matters, and most importantly, how you can make it work for your business, not against you.
If you’ve ever found yourself stressing about cash flow, wondering where your money is hiding, or how to get paid faster, this episode is for you. I'll take you step-by-step through what the cash conversion cycle actually means, translating jargon into real talk for both product-based and service-based business owners.
Here’s what you’ll get from this episode:
A clear breakdown of the cash conversion cycle: No more confusion—We'll explain how long it really takes for cash to flow back into your business after you’ve spent it on stock, supplies, or labour.
Why it matters: Discover why speeding up your cash cycle means less stress, more flexibility, and better growth opportunities.
Practical strategies you can implement today: From inventory management hacks and tightening up your invoicing process, to negotiating better payment terms with suppliers, I'll share proven, actionable tips to keep your cash moving and your business thriving.
Smart ways to boost sales without stockpiling: Learn to upsell, cross-sell, and focus on your highest margin offers to get more out of what you’ve already got.
How and why to track your cash conversion cycle: You can’t improve what you don’t measure! And I'll show you just how easy it can be.
🎧 What’s next?
Don’t just keep worrying about your cash flow—tune in and discover how a few smart tweaks can make a world of difference in your business bank account. Like what you hear? Subscribe, leave a review, and share the episode with a fellow business owner who could use some financial clarity (after all, sharing is caring!).
Listen now and start building a more financially confident business—one practical strategy at a time.

EPISODE 177 : How can I improve my financial reporting and analysis?

Do your eyes glaze over when someone mentions balance sheets and profit & loss statements? You’re definitely not alone! In this eye-opening episode, I want to shake off the “boring” stigma and prove that understanding your business' financial reports isn't just a necessary evil—it’s the game-changer for smarter decisions, higher profits, and future growth.
What’s Inside?
The three essential financial reports every business owner MUST have… and why skipping them is like flying blind.
Straightforward breakdowns: What’s a balance sheet, and why is a cash flow statement your business’ lifeline?
Some of my favourite tools (spoiler: Xero and QuickBooks get shoutouts!) to automate and simplify your reporting—no number-crunching headaches required.
How to find and track the financial metrics that matter most for YOUR business, not just copycat numbers from others.
Step-by-step tips on analysing your data: Discover easy methods like trend spotting, benchmarking, and scenario planning to steer your business in the right direction.
“Don’t try to mirror everyone else”—let's talk about the reality check on industry comparisons and how to avoid risky debt decisions.
Why Listen? By the end of this episode, you’ll be equipped to:
Demystify your numbers, even if spreadsheets aren’t your thing.
Use reliable data to spot issues before they become costly problems.
Build a simple, actionable reporting and analysis routine that helps you predict, adapt, and grow with confidence.
What’s Next? Ready to finally take charge of your finances (without falling asleep at your desk)? Hit play now! Review your own business reports, identify your key numbers, and start harnessing those “boring” insights to create a stronger, more resilient business.
Let’s make the numbers your secret weapon—listen to the full episode and set yourself up for financial success. You’ve got this!

EPISODE 176 : How can I better manage my business debt and loans?

Are you losing sleep over business debt? You’re not alone—but what if debt could actually be a powerful tool in your business arsenal?
In this episode, I break down the real story behind business loans and debt, and how to shift the narrative from fear and overwhelm to strategy and empowerment. You’ll discover why debt isn’t necessarily a four-letter word and how, with the right approach, it can help you grow your business and seize opportunities you might otherwise miss.
What’s Inside This Episode
Demystifying Business Debt: Understand the difference between short-term and long-term debt—and how each plays a role in keeping your business moving.
Assess & Take Control: Learn a simple and effective process to get a clear picture of what you owe, so you can avoid surprises, missed payments, and mounting fees.
Strategic Repayment Methods: I'll explain the popular “debt snowball” and “debt avalanche” methods, helping you choose the one that keeps you motivated and saves money.
Tools For Relief: Explore practical options like debt consolidation and refinancing—plus smart negotiation tips to work with your creditors instead of against them.
Future-Proof Your Business: Sharing proactive habits (including building your emergency fund and mastering cash flow planning) so debt never feels out of control again.
Why You Should Listen If you’re a business owner juggling multiple loans, credit cards, or simply feeling weighed down by repayments, this episode will give you the clarity and confidence you need. This no-nonsense, supportive guidance ensures you leave with actionable strategies to manage, reduce, and even prevent debt from becoming a problem.
What To Do Next Ready to make your debt work for you—not against you? Hit play now and take the first step towards stress-free business finance! If managing cash flow still feels tricky, check out my Small Business Cashflow Course by clicking on this link (mentioned in the episode) and learn to build a robust plan tailored to your business.
👉 Like what you hear? Don’t forget to subscribe, share this episode with a business owner who needs it, and stay tuned for more real talk on the business topics that matter most.

EPISODE 175 : The Pricing-Profits Connection : Why you can't afford to get it wrong!

Ever feel like pricing your products or services is a guessing game, or something you do just to keep up with the competition? In this eye-opening episode we pull back the curtain on the critical—but often overlooked—partnership between pricing and profitability.
Here’s what you'll discover:
Why pricing isn’t just a number: We reveal how setting prices without understanding your full cost structure is like building your business on sand—unstable and risky.
What most business owners are missing: Learn why copying competitor prices or basing decisions solely on customer expectations can spell disaster for your bottom line.
The real cost of getting pricing wrong: I shares relatable scenarios and the domino effect poor pricing can have on your cash flow, sustainability, and peace of mind.
How to find your pricing sweet spot: Get inspired to dig into all your costs (not just the obvious ones), understand your true break-even point, and set prices that really support your profit goals.
A fresh mindset: Discover how regular reassessment and understanding your value perception can help you build the sustainable, thriving business you set out to create.
I'm not here to give you a formula—but to spark a conversation that changes the way you approach pricing forever. This episode is your invitation to stop flying blind and start making intentional, confident pricing decisions that support real profitability.
Ready to rethink your pricing game and transform your business?Listen now and start building a foundation for growth, resilience, and long-term success.

EPISODE 174 : Detecting and addressing cash flow bottlenecks : the key to smooth financial operations

Cash flow issues stopping you in your tracks? You’re not alone—and you definitely don’t have to be stuck there. This episode of The boring sh!t in business is your practical guide to navigating one of the trickiest (and surprisingly common) challenges in business: cash flow bottlenecks.
What’s Inside:
A Reality Check: We dive right in with a powerful truth—cash flow is the lifeblood of your business. You’ll learn why even thriving companies with rockstar sales columns can run into serious problems if their cash isn’t moving as it should.
Cash Flow Bottlenecks, Demystified: No jargon here! I break down exactly what a cash flow bottleneck is (picture a traffic jam... but for your bank account) and shares the unmistakable signs your business might be facing one.
Root Causes Uncovered: From slow-paying customers, high overheads, and unsold stock gathering dust, to seasonal slumps and overreliance on debt—we explores the everyday situations that create these financial roadblocks.
Real-World Solutions: Ready to get proactive? Discover actionable strategies—think: tightening up your invoicing, motivating faster payments (without feeling like you’re giving away profits), clearing out stagnant inventory, managing expenses, and building a financial buffer (even if cash feels tight).
What’s Next: Feeling overwhelmed? This episode highlights how working with a financial coach (or diving into my self-paced online cash flow course - see link below) could be the missing piece to secure your business’s financial future.
Why Listen? If you want to stop feeling blindsided by bills and start steering your business toward financial stability, this episode will give you clarity, confidence, and practical steps to spot and fix cash flow snags—before they turn into crises.
Ready to future-proof your cash flow and keep your business growing? Hit play now and take charge of your numbers!
🔗 Small Business Cashflow Course Link ... www.amybajada.com.au/cashflow

EPISODE 173 : Turning Your Business Around : Financial Recovery That Works

Has your business hit a rough patch? Maybe cash flow’s tight, debts are mounting, or growth just isn’t where you hoped? You’re not alone—and more importantly, you can bounce back. In this episode, we strip away the fluff and deliver practical, actionable steps to get your business financially back on track.
Here’s what to expect:
Real talk, right from the start: Kicking off with getting honest about tough times in business and why financial recovery is not only possible, but often simpler than you think.
Zero shame, all strategy: throughout we dismantle the fear and embarrassment that can come with financial struggles, empowering you to take charge—without judgment.
Step-by-step game plan:
Learn how to calmly assess where you’re at (no sugarcoating allowed!).
Get smart about cutting costs and discover the right way to trim expenses without slashing the essentials or losing team morale.
Explore creative ways to boost revenue through existing customers, smarter pricing, and service tweaks—no risky gambles required.
Master your cash flow with tips on forecasting, chasing overdue invoices, and negotiating payment terms.
Find out when (and why) it’s worth getting professional help—and how it can jumpstart your recovery.
Mindset for the long haul: wrapping up with some tough love on why recovery isn’t overnight, what small wins look like, and how consistency is your true superpower.
✅ Who should listen?
Anyone feeling stuck in a financial slump, as well as those who want to help a friend or colleague turn things around (share this episode—it could be the lifeline they need!).
 
👉🏼 Ready to trade overwhelm for action?
Press play to get clear, pragmatic guidance you can use today.You’ve got this—and I've got your back.
 
Episode reference to previous Episode 173 "Cutting Costs Without Cutting Corners : How to Reduce Business Expenses While Keeping Quality High.

EPISODE 172 : Cutting costs without cutting corners: How to reduce business expenses while keeping quality high

Every business owner dreams of trimming expenses, but the big fear? Slashing costs so much that quality—and growth—take a hit. In this candid episode, we dive headfirst into the age-old question: How do you cut costs without compromising the very things that make your business thrive?
Throughout this episode we unpack where most businesses secretly bleed money (think: unused software subscriptions, overstocked inventory, and even all those “essential” coffees), and explain, step-by-step, how you can spring clean your spending—without sacrificing what matters to your customers.
What can you expect from this episode?
Practical strategies for identifying waste and inefficiency
Smart ways to negotiate better deals with your suppliers and service providers
The value of automation and outsourcing—and how to decide what makes sense for your team
How to boost your marketing impact while actually spending less
Tips for keeping customer experience and product quality non-negotiable—even as you tighten your belt
This advice isn’t about dramatic overhauls or risky shortcuts—it’s about being strategic, resourceful, and consistent to set your business up for long-term success.
Ready to run your business lean, mean, and thriving—without ever feeling overwhelmed? Listen now, and walk away with real-world actions that will start saving you money (and stress) today.
If you find value in what you hear, don’t forget to share this episode with your fellow business owners. Let’s help every business thrive!
Hit play and discover smarter ways to save—without cutting corners!

EPISODE 171 : How To Steer Clear of Cash Flow Crises and Keep Your Business Running Smoothly

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.

EPISODE 170 : The Safety Net You Need : Creating a Contingency Plan for Financial Setbacks

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.

EPISODE 169 : Mastering Budgeting & Forecasting: Your path to financial control

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 musclesThe more you use them, the stronger and more confident you’ll become in managing your business’s finances and making informed decisions.
Zero-based budgeting is your friendStart from scratch each month, plan every dollar with intention, and keep your budget flexible—adjust it as needed to keep your business agile.
Never underestimate cash flow forecastingPredicting your revenue and expenses (even if it’s not perfect) gives you the power to pre-empt cash flow crunches and invest in growth with confidence.
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! 💡