The boring sh!t in business Podcast with Amy Bajada

EPISODE 229 : The new financial year isn't giving you a fresh start. It's giving you fresh information.

It's the start of a new financial year here in Australia, and everywhere you look, business owners are setting new goals, making new plans, and promising themselves that this year will be different.
But what if we're asking the wrong question?
Instead of focusing on what's next, perhaps we should first understand what the last 12 months were trying to teach us.
In this episode, we'll explore why your business is constantly leaving clues about what's working, what's not, and where your biggest opportunities for growth may be hiding.
From capacity and pricing to cashflow and profitability, you'll discover how to stop guessing, start listening, and use the information your business has already collected to make better decisions moving forward.
Because the new financial year isn't a reset button.
It's a report card.
And the businesses that grow aren't always the ones that work the hardest.
They're often the ones that learn the fastest.
In this episode you'll discover:• Why "new year, new you" isn't the answer most business owners need• How to identify the lessons your business has been trying to teach you• The difference between being busy and being profitable• Why capacity issues are often mistaken for sales problems• How forecasting creates confidence and control• The importance of building better rules and rhythms in your business• Three powerful questions every business owner should answer this week
If you've ever felt like you're working hard but not getting the results you want, this episode will help you uncover the clues your business has been leaving behind all year.
Because better decisions start with better information.
Connect with me: www.amybajada.com.au

EPISODE 228 : The dangerous truth about taking financial advice from AI

Have you ever asked ChatGPT a business question and thought:
"Wow... that's actually a really good answer."
You're not alone.
More and more business owners are turning to AI for guidance on everything from pricing and cashflow to hiring, growth, and profitability. And while AI can be an incredibly powerful tool, there's one thing it can't do:
Understand your business the way you do.
In this episode, I'm exploring the growing trend of business owners relying on AI for financial advice and why the biggest risk isn't that AI gets things wrong... it's that the answers often sound incredibly convincing.
You'll discover:
Why a confident answer isn't always the right answer
The question every business owner should ask before acting on AI advice
Why two businesses can ask the same question and require completely different answers
The difference between information and insight
What AI can do exceptionally well
Where human judgement still matters most
How to use AI to improve your decision-making without outsourcing it completely
This isn't an anti-AI conversation.
It's a practical discussion about context, accountability, and making better business decisions in a world where answers are available faster than ever before.
Because AI can help you think.
But it can't take responsibility for your decisions.
And when it comes to your money, that distinction matters.
Take a listen ...

EPISODE 227 : You're Solving The Wrong Problem

Have you ever implemented business advice that should have worked... but didn't?
Maybe you've raised your prices and still felt under pressure.
Maybe you've increased sales but your cashflow hasn't improved.
Maybe you've hired staff hoping to create more freedom, only to find yourself more stressed than before.
The reality is that most business owners are trying to solve individual problems when every financial decision in a business is connected.
Pricing affects capacity.
Capacity affects profitability.
Profitability affects cashflow.
Cashflow affects growth.
And growth impacts everything else.
In this episode, we'll explore why focusing on a single number or strategy often leads to frustration, and why understanding the relationships between your numbers is what creates better business decisions.
If you've ever wondered why the advice you've received hasn't quite delivered the results you expected, this episode will help you understand what's missing.
In this episode we discuss:
✔ Why quick financial fixes often fail✔ The link between capacity and pricing✔ Why more clients isn't always the answer✔ How one decision creates a ripple effect throughout your business✔ Why profit, cashflow and growth must be considered together✔ The foundations every business owner should understand before making major decisions
Because financial success isn't built by mastering one number.
It's built by understanding how all the pieces fit together.
Connect with me: www.amybajada.com.au

EPISODE 226 : 4 EOFY Mistakes I'll Never Make Again

EOFY is almost here, and whilst there’s plenty of advice floating around about tax deductions, spending money before 30 June, and getting your paperwork in order, some of the biggest mistakes business owners make happen during this period.
In this episode, I share four EOFY mistakes I'll never make again and explain why these seemingly harmless decisions can create unnecessary pressure in the new financial year.
Whether you're focused on reducing tax, reviewing your numbers, or planning for the year ahead, this episode will help you think beyond 30 June and make decisions that support the long-term financial strength of your business.
In this episode, we'll discuss:
✔ Why spending money purely to save tax can hurt your cashflow
✔ The difference between profit and cashflow (and why both matter)
✔ Why waiting until June to review your numbers creates unnecessary stress
✔ How EOFY can become a powerful planning tool rather than simply a compliance deadline
✔ The role that financial control plays in better business decision-making
If EOFY has you thinking about your numbers, your cashflow, or your plans for the new financial year, this episode will give you practical insights to help you move forward with greater confidence and control.
Resources:
• Small Business Cashflow Course
• One-on-One Financial Coaching
Connect with Amy:
www.amybajada.com.au
If you enjoyed this episode, please subscribe, leave a review, and share it with another business owner who could benefit from the conversation.

EPISODE 225 : EOFY Spending Mistakes That Hurt Cashflow

EOFY has a way of making business owners feel like they need to do something.
Buy the vehicle.Upgrade the equipment.Stock up on inventory.Sign up for the software.
After all, you'll get a tax deduction... right?
But here's the question: Is the decision genuinely helping your business, or is it simply helping you pay less tax?
In this episode, I challenge some of the most common EOFY thinking and explore why decisions that look smart on paper can sometimes create cashflow pressure long after June 30 has passed.
You'll learn:
• Why spending money to save tax isn't always a win• The hidden cost behind EOFY purchases• Why cashflow doesn't care why you spent the money• The "September Test" every business owner should use before making a major financial decision• How to approach EOFY as a decision-making season rather than a spending season
If you're considering any significant purchases before June 30, this episode will help you pause, think differently, and make decisions that support both your business and your cashflow.
Because a tax deduction won't pay your wages, rent, or suppliers.
Cashflow still matters.
Want more practical financial guidance for your business?
Visit www.amybajada.com.au to explore coaching, resources, workshops and the Small Business Cashflow Course.

EPISODE 224 : EOFY for Business Owners Who Want Sleep

EOFY shouldn’t feel like a financial horror movie.
And yet for so many business owners, June arrives with panic, stress, avoidance, and sleepless nights.
In this episode, I unpack the emotional side of EOFY and why it often feels so overwhelming for business owners — not because EOFY creates problems, but because it exposes the ones that have been building quietly throughout the year.
This isn’t another “here’s your EOFY checklist” episode.
This is a real conversation about:
why busy businesses still feel financially stressed
the dangerous trap of relying on the bank balance
panic spending and emotional EOFY decisions
the disconnect between profit and cashflow
avoidance, overwhelm, and financial pressure
and what financially calmer businesses tend to do differently.
If EOFY has ever left you feeling exhausted, anxious, reactive, or questioning where the money actually went… this episode is for you.
Because EOFY is rarely just about tax.
It’s about visibility.Planning.Cashflow.Margins.Structure.And understanding what your business is really trying to tell you.
This is the boring sh!t you need to know in business.
To learn more about how we can work together and the practical financial education and coaching available for business owners, visit www.amybajada.com.au

EPISODE 223 : Debt That Builds vs Debt That Bleeds (Know The Line Before It Costs You Everything)

Not all debt is dangerous.
And not all debt is smart just because the business can access it.
In this episode, we break down the very real difference between debt that strategically helps a business grow… versus debt that quietly keeps a struggling business alive while bigger problems build underneath.
This is an honest conversation about:
debt dependency
cashflow pressure
survival mode
operational gaps
reactive decision making
and the warning signs business owners often miss until it’s too late
Because sometimes debt creates leverage.
And sometimes debt simply delays the inevitable.
If you’ve ever felt like:
“We should be doing better than this financially…”
or:
“Why does cash still feel tight even though revenue is growing?”
This episode is one you need to hear.
Because debt itself isn’t always the issue.
But unclear financial visibility absolutely can be. Take a listen
EPISODE MENTIONS
Small Business Cashflow Course

EPISODE 222 : Profitable… So Where’s the Money?

Your accountant says the business is profitable…
So why does cash still feel tight?
Why are so many business owners making sales, growing revenue and technically turning a profit… while still feeling pressure every single week?
In this episode, I'll unpack one of the biggest misunderstandings in business: the difference between profit and cashflow.
Because a profitable business can still experience cash pressure — and this catches more business owners off guard than you might think.
We'll break down:
Why profit and cashflow are not the same thing
How growing businesses can still run into cash problems
Where cash quietly disappears inside a business
Why “we’ll catch up next month” can become dangerous
The hidden impact of timing, payment terms and growth
Why visibility matters more than panic
The key questions every business owner should be asking beyond profit
If you’ve ever looked at your numbers and thought: “Okay… so where’s the money then?” — this episode is for you.
This is a practical, honest conversation about what’s really happening behind the numbers and how understanding cashflow differently can completely change the way you make decisions in business.

EPISODE 221 : Don’t Plan Next Year Until You’ve Done This

We’re coming up to the end of the financial year here in Australia… and for a lot of business owners, the focus is already on what’s next.
New goals.New plans.A fresh start.
But before you jump into the new financial year… there’s something far more important to do first.
👉 Review what just happened.
In this episode, I break down why reviewing your year isn’t just about looking at your numbers — it’s about understanding the story behind your results so you can make better decisions moving forward.
Because without that clarity… you’re not planning.
You’re guessing.
In this episode, I cover:
Why “starting fresh” can actually hold your business back
What your numbers are really telling you (beyond profit and loss)
How your operations impact your financial results
What to look for when reviewing what worked (and what didn’t)
How to use your insights to set realistic, data-driven goals for the next financial year
Why reviewing your business once a year isn’t enough
This episode is for you if:
You’re heading into the new financial year without a clear plan
You feel like this year was “busy” but you’re not sure what actually worked
Your cash flow felt inconsistent or harder than expected
You want to make better decisions in your business next year
A new financial year doesn’t fix an unclear business.
Taking the time to understand your numbers, your operations, and your decisions from this year is what creates better results in the next one.
Want help making sense of your numbers?
If you’re looking at your business thinking “I have the numbers, but I don’t know what they’re telling me” — this is exactly the work I do with business owners.
You can:
Explore my Small Business Cashflow Course
Or reach out to work with me 1:1
🔗 www.amybajada.com.au

EPISODE 220 : Where Is the Cash Going? A Simple Leak-Spotting Framework

You’re making money… so why does it feel like there’s none left?
If you’ve ever looked at your bank account and wondered where your cash is actually going — this episode breaks it down in a way that finally makes sense.
In this episode of The Boring Sh!t You Need to Know About Business, we unpack one of the most common (and frustrating) challenges for small business owners: cash disappearing despite steady sales.
This isn’t about working harder or chasing more revenue.It’s about understanding what’s happening to your money after it comes in.
I'll walk you through a simple, practical leak-spotting framework to help you identify where your cash is being lost — and what to do about it.
What you’ll learn in this episode:
Why “making more money” isn’t always the solution to cash flow problems
The 4 key areas where cash leaks happen in a business
How pricing can quietly drain your cash (even when you’re busy)
The hidden impact of cost creep and small expenses over time
Why timing (not profit) is often the real cash flow issue
How everyday decisions influence your financial position more than you think
A simple way to start spotting leaks immediately — without overwhelm
This episode is for you if:
You’re generating revenue but not seeing it build in your bank account
You feel like your business is “busy but tight” financially
You want more clarity and control over your cash flow
You’re ready to stop guessing and start making informed financial decisions
Key Takeaway:
Your cash isn’t disappearing.It’s being allocated — intentionally or not.
Once you understand where it’s going, you can take control of what happens next.
Ready to get clearer on your cash?
If you’re done second-guessing your numbers and want a simple, structured way to understand your cash flow, check out the Small Business Cashflow Course.
Or reach out to work together — because this is exactly the work we do.