The boring sh!t in business Podcast with Amy Bajada

EPISODE 195 : Get Paid, Stay Paid: Streamlining Your Payment Cycle for Cash Flow Confidence

Are you tired of feeling like your cash flow is running the show instead of you? In this episode, we get into the real stuff that every business owner faces: getting paid on time and making sure your money rhythm actually works for you.
You’ll hear me dive into the stress and frustration of waiting for payments, chasing up invoices, and juggling expenses – you know what I’m talking about! I share straight-up strategies for streamlining your payment processes, so your cash flow goes from unpredictable headaches to total confidence. We break down the essentials: how your payment systems can set you free, why payment terms matter (and how to fix them if they don’t), how automation can save your sanity and your bottom line, and the magic of syncing incoming with outgoing money.
Expect lots of actionable advice, including:
How to review and fix your payment terms so they suit your business needs
Why automating invoicing and reminders can change everything (and quick tech recommendations)
Tips for making it super easy for clients to pay (hello, multiple payment options!)
My step-by-step plan to map out your cash flow calendar, tighten up systems, and build a buffer so nothing catches you off guard
Seriously, if cash flow is a pain point for you – or you just want more financial peace of mind – this episode is loaded with practical hacks and inspiration for getting back in control. I also mention my Small Business Cash Flow course, packed with tools, templates, and support to help you take action right away.  You will find it at www.amybajada.com.au/cashflow
So, if you’re ready to stop stressing, start planning, and finally enjoy running your business, grab a cuppa and hit play on this episode. Let’s get your payment processes working for you, not against you!
Can’t wait for you to listen – and as always, let’s keep it simple and strategic.

EPISODE 194 : Understanding and Reducing Your Break-Even Point.

Ready to finally get clarity in your business finances and break out of that “busy but not sure if I’m profitable” feeling? In this episode of The Boring Sh!t In Business, I’m cutting straight to the ONE number that can genuinely transform how you run your business ... the break even point.
I know, I know… finance talk can feel overwhelming and packed with jargon, but I promise, this is not one of those episodes. I break down what the break even point actually is (in plain English!), why it’s so powerful, and how knowing this number can completely shift your mindset ... from guessing and stressing to leading your business with real confidence.
Here’s what you can expect:
You’ll learn what “break even” REALLY means (and spoiler: it’s actually super simple!)
I’ll walk you through how to calculate it in your own business, with real-life examples anyone can relate to (no complex spreadsheets needed)
You’ll discover the three best strategies to lower your break even point ... so you can become profitable faster
Action steps you can take TODAY (grab your calculator!) to finally know exactly what you need to sell to start making money Plus, hear about my Small Business Pricing Course and Cash Flow Course, designed to help you go even deeper into building a healthy, profitable business. Links are waiting for you in the show notes!
If you’re tired of flying blind, guessing your numbers, or wondering when you’ll actually see real profit ... this episode is your wake up call. Hit play now, and let’s give you that clarity (and confidence) to lead your business, price properly, and make smarter decisions… for good.
Can’t wait to hear what you think ... jump in and let’s make business simple, smart, and profitable together!
Links mentioned throughout the episode
🏷️ Small Business Pricing Course Waitlist > www.amybajada.com.au/sbpcwaitlist
💰 Small Business Cashflow Course > www.amybajada.com.au/cashflow
 

EPISODE 193 : The Hidden Costs of Running a Business.

Ever sit there wondering why your business feels like it’s go-go-GO all the time, but your bank account just doesn’t reflect all that hustle? If you’re nodding, trust me ... you’re not alone.
In this episode of The boring sh!t in business, I’m pulling back the curtain on the hidden costs that quietly eat away at your profits (yes, the ones that don’t show up neatly on your P&L).
Here’s the real deal: It’s often not the big, obvious bills that are draining your business. It’s the sneaky stuff .. the subscriptions you forgot to cancel, the wasted hours on manual processes, sloppy cash flow, and opportunities you missed because you were so caught up in the day-to-day. I’ll share stories (including from clients who had no idea these leaks were even happening), help you spot where your money’s really going, and arm you with actionable steps to plug those holes .. fast.
What’s in it for you?
You’ll learn the five biggest hidden costs lurking in your business (and how to tackle them head-on)
Real-life examples (yes, I spill on the $35k leak one business owner didn’t even see coming!)
Super-practical tips for finding, tracking, and getting rid of these profit-drainers
How to reclaim your time, your money, and your headspace—without adding more to your plate
Plus, I’ve got some handy tools for you, including a simple spreadsheet to track all those little leaks and de-junk your expenses. And if you’re ready to really take control, I’ll invite you to check out my Small Business Cash flow Course for small business owners just like you.
So grab your coffee, tea, wine (no judgment here!) and let’s dive into the stuff nobody talks about ... but everybody needs to hear. Hit play, then let’s get your business working for you (instead of the other way around)!
Ready? Your bottom line will thank you. Listen now.

EPISODE 192 : Money Mindset: Why it matters in business.

Ever caught yourself worrying about money in your business ... maybe telling yourself, “I’ll pay myself when I make more,” or feeling totally awkward about raising your prices? Trust me, you’re NOT alone. In this episode, I’m pulling back the curtain on something almost every business owner struggles with (even if you don’t realise it) : your money mindset.
Here’s what you can expect when you hit play:
We’re unpacking what “money mindset” really means (hint: it’s so much more than positive thinking or wishing for a winning lottery ticket).
I’ll show you how the way you THINK about money shapes every decision in your business—from pricing, to hiring, to taking risks for growth.
You’ll get clear, practical strategies to shift out of the stressy “there’s never enough” thinking and into the confident, abundant mindset that actually attracts opportunities.
Plus, I’ll share real-life examples (straight from my clients and the wild world of entrepreneurship) so you can spot where your mindset might be quietly tripping you up.
We’ll talk action steps you can take ... starting today ... to turn your money stories into your business superpower.
If you’re tired of letting money stress drain your energy, and you’re ready for less worry and more growth (with a side of less guilt, please!), this one’s for you.
Give this episode a listen ... I promise you’ll walk away with simple shifts to help you step up, own your value, and make decisions that grow your business (without burnout or self-doubt). And hey, as always, I’ll leave you with one powerful question to help you make it count.
Ready to rewrite your money mindset? Hit play now .. you deserve it!

EPISODE 191 : Grow Smarter, Not Broke: The Real Balance in Business

So, let me ask you ... have you ever felt like you’re stuck in that never-ending tug of war between wanting to grow your business and trying not to lose your mind over the cash flow? I get it. One side is all about the buzz of signing new clients, scaling up, and launching new things… while the other is the not-so-glamorous late-night panic over payroll, bills, and just keeping the lights on. If that sounds even a little bit familiar, this episode is exactly what you need to hear.
In this chat, I pull back the curtain on how growth and cash flow don’t actually need to be enemies. I’m sharing real stories, mistakes I’ve seen trip people up, and practical steps to finally get these two forces working together, not battling it out at your expense.
Here’s what you’ll walk away with:
A fresh perspective on why cash flow is your business’s oxygen (and why nobody brags about it, but maybe we should)
Why even “profitable” businesses can end up in trouble—and how you can avoid that mess
How to forecast for the bumps (because let’s face it, they’re inevitable) so growth doesn’t wreck your finances
Super practical strategies for growing without blowing up your cash flow—including exactly how to take those next steps safely
The questions you should be asking yourself before diving into growth headfirst
If you’ve ever wondered whether your business is really ready to expand or just teetering on financial quicksand, I promise you’ll get heaps out of this honest, jargon-free conversation.
So, what’s next? Pop in your headphones, hit play on this episode, and let’s bring some calm (and clarity!) to your growth journey together. You’ll finish feeling confident about your next move… and maybe even excited to brag about your cash flow prowess next time you’re out networking ;)
Ready for a smarter, safer path to success? Go give it a listen. And, as always, if you want a hand with finding that sweet spot in your business, all the ways you can reach me are in the show notes. Let’s make it count!  A x

EPISODE 190 : When to Consider a Business Loan or Line of Credit: Knowing When and Why You Need It

Thinking about whether a business loan or a line of credit is the right move for your business, but overwhelmed by all the jargon and fine print? You are not alone—this episode is for you!
Here’s what you can expect in this episode of The Boring Sh!t in Business:We take a no-nonsense, practical look at business loans versus lines of credit. I’ll walk you through what each actually means, what makes them different, and (most importantly!) how you’ll know which one fits your business best. You’ll discover:
The real differences between a loan and a line of credit, explained simply
When you should consider a loan (hint: big investments or planned upgrades)
The best times to use a line of credit (think: cash flow gaps, surprise expenses, or seasonal swings)
The pros, cons, and potential pitfalls of each option—no sugarcoating!
The exact questions to ask yourself before talking to any lender
My honest advice for making sure this crucial financial decision actually helps your business long term, not just patches a short-term hole
By the end, you’ll not only feel more confident in understanding these options, but you’ll have a clear sense of which one supports your long-term business goals. If you’re feeling unsure about what’s best for your business or you want help mapping out the strategy—don’t be shy! Reach out and let’s talk through your numbers. That’s what I’m here for.
Ready to get clear and make smart financial moves your future self will thank you for?
Press play now and let’s break down the boring sh!t—together!
And if you want to chat about which strategy might suit you best .. simply email me at amy@amybajada.com 

EPISODE 189 : Preparing for the Next Big Purchase in Business: A Guide to Smart Planning and Execution

Hey there my friend! Are you staring down a big purchase for your business and feeling those classic nerves? Maybe it’s a flashy new piece of equipment, a software upgrade, or even a delivery van ... something that feels both exciting and a little bit terrifying because you know it could shape your business’s future.
In this episode, I’m taking you by the hand and walking you step-by-step through what actually matters before you hand over your hard-earned cash. I’m sharing real stories from my clients (including the florist who almost missed payroll because of a rushed decision... oops) and giving you the actual checklist I use to make sure a big investment pays off, not backfires.
Here’s what we’re getting into:
How to figure out if you genuinely need the purchase—or just want it (yep, tough love included).
The cash flow realities you might be forgetting.
Why your team needs a say and how skipping this can cost you thousands.
The stuff nobody tells you about long-term ROI and hidden costs.
Negotiation secrets that can keep more money in your pocket (seriously, one sentence could save you thousands).
How to plan for a smooth transition (because buying is only half the story).
By the end of this episode, you won’t just feel more confident about your next big business purchase .. you’ll have a plan and the right questions to ask so you can invest in your future without regret (or panic).
So, if you’re on the fence about that big buy, or you just want to make smarter money moves, grab your coffee (or something stronger .. no judgment) and dive in. Hit play now and let’s make your next big purchase one you’re proud of!
Ready? Let’s unpack it together. Listen to the episode now!

EPISODE 188 : Handling Late Payments : Strategies and Systems for Smooth Cash Flow

Hey there my friend!​​Ever felt like you spend more time chasing up overdue invoices than actually running your business? You’re not alone – over half of us business owners struggle with late payments, and honestly, it can threaten the very survival of our businesses.​​In this episode of The Boring Sh!t in Business, I’m getting real about that not-so-glamorous part of entrepreneurship: chasing money.Here’s what you’ll get when you hit play:✅ Real talk about why those late payment emails are so awkward (and how they tank your cash flow if you let them).✅ My absolute must-have strategies for setting payment terms and boundaries from day one – enough with the vague “payment due soon” nonsense!✅ How to swap out sticky notes and spreadsheets for invoicing systems that actually keep you sane (and make the software play the “bad guy”).✅ Tips on dealing with clients who genuinely forgot (no shame, we’ve all been there)… and how to handle the serial late payers who treat your invoices like suggestions.✅ Tools for rewarding your on-time legends AND what to do when you just have to cut those persistent late payers loose.This episode is the no-fluff, practical advice I wish someone had given me years ago. By the end, you’ll know exactly how to protect your cash flow, keep your relationships intact, and maybe even save your Friday night wine for celebrating, not stress-drinking!PS – I’d LOVE to hear the weirdest excuse you’ve gotten for a late payment. Comment or DM me so we can commiserate (and have a laugh).Ready to spend less time chasing invoices and more time doing what you love? Go check out the episode now!

EPISODE 187 : Price Hike Success: How to Raise Your Prices Without Losing Your Customers

Let’s get real for a second—does the idea of raising your prices make your stomach do somersaults? If you’ve ever wondered, “Can I actually charge more? Will people bail on me if I do?” you are SO not alone.
In this episode of The Boring Sh!t You Need to Know in Business, I’m breaking down the truth about pricing that most business owners are too nervous to ask out loud.
Here’s what you’ll get from this episode:
✨ Why being scared to raise your prices is totally normal—but not necessary!
✨ The real reasons you NEED to charge more (not just because you want to!)
✨ The 7-step formula to confidently update your pricing, keep your customers happy, and ensure your business is sustainable and profitable. ✨ How to communicate pricing changes without losing your best clients (and maybe even gaining better ones!).
✨ Practical ways to add value and stand out—without feeling like you’re just “asking for more.”
By the end of this episode, you’ll finally understand how to set fair, sustainable prices based on facts—not just feelings. Plus, I’ll help you get past “the ick” of talking money and give you real tools and language to make those changes ASAP.
Now here’s what I want you to do:
👉 Grab your headphones and hit play! Your pricing confidence is literally waiting for you.
👉 If this episode gives you a lightbulb moment (and I bet it will), share it with another entrepreneur who needs that nudge, too.
👉 Super ready to work on your pricing strategy? Get on the waitlist for my Small Business Pricing Course
Let’s make your pricing less scary (and your business more profitable!). Listen in and let’s do this together!
A x

EPISODE 186 : Turning a Seasonal Sales Slump into a Steady Stream : Handling Slow Sales Periods

Ever felt that gut-wrenching quiet in your business after a busy rush ... the phones stop ringing, the orders slow, and suddenly everything feels uncertain? You’re not alone. This week on The boring sh!t in business with Amy Bajada, I'll share a candid, real-world conversation from my own consulting experience to remind us that no matter your industry—retail, hospitality, tourism, or services—seasonal slowdowns are a fact of business life.
But here’s the twist: a slow season doesn’t have to be bad news! We'll dive into practical strategies and mindset shifts that can help you not just weather the storm, but use the downtime to build a stronger, more resilient business. In this actionable episode, you’ll learn how to:
Spot the real causes behind sales slumps (because sometimes, it’s not what you expect)
Diversify your offerings so you’re never left scrambling
Double down on customer retention (while making your loyal clients feel like VIPs)
Level up your marketing, even on a shoestring budget
Run creative, margin-friendly promotions to spark action
Master cash flow management and financial decisions when things get tight
Use slower periods to sharpen your processes, staff training, and inventory systems
Experiment with new sales channels and revenue streams
Stay agile, keep perspective, and always have a Plan B (or C!)
By the end of the episode, you’ll be ready to swap panic for a strategic plan—and see slowdowns as a launch pad for future growth.
Ready to turn a slump into your next big opportunity? Hit play and discover how to make every season count.👇