The boring sh!t in business Podcast with Amy Bajada

EPISODE 185 : Common Financial Mistakes Small Businesses Make (and How to Avoid Them)

Ever feel like you’re confidently driving your business—until you suddenly realise you’re lost, low on cash, and way off track? You’re not alone!
In this episode of The boring sh!t in business, I pull back the curtain on the most common financial pitfalls that catch small business owners off guard.
We'll discuss the real reasons businesses get into financial trouble—not because owners are “bad with money,” but because of neglected systems, haphazard habits, and a lack of awareness. But here’s the good news: every single mistake she covers is fixable with straightforward, practical steps.
What to expect:
Relatable stories (who hasn’t paid for business stuff with a personal card “just this once”?)
Crystal-clear breakdowns of the seven biggest financial blunders, from not having a cash flow forecast, to ignoring debt and underestimating your real costs.
Actionable fixes for each mistake, from setting up simple budgets, to finally separating your business and personal finances, managing taxes, and getting your pricing right.
A challenge: I invite you to pick ONE thing to improve this week for immediate impact.
Whether you’re just starting your business journey or are years in but know your finances need tightening, this no-nonsense insights and practical tips will help you ditch financial confusion and take back control.
Are you ready to stop crossing your fingers and start running your business with confidence? Listen now to uncover the habits that build a solid financial foundation—and feel empowered to make your business stronger this week.
Don’t keep these life-changing tips to yourself! Love what you hear? Share the episode with a fellow business owner who could use a financial tune-up.
Tune in now—your numbers (and your peace of mind) will thank you.

EPISODE 184 : Why your cashflow matters more than profits

Ever wondered why your business feels tight on cash even when you’re seeing healthy profits? In this eye-opening episode, I'll take you behind the scenes of my recent live workshops, where even seasoned business owners had major “ah-ha” moments about the real difference between profit and cash flow.
I'll share relatable stories from the frontlines—including one about a business owner who looked successful on paper but was moments away from missing payroll. Through these real-life examples and clear, practical advice, you’ll learn:
Why cash flow is the true oxygen of your business—keeping the wheels turning long after the “profits” have landed on your reports
The top five reasons cash flow should always be your focus (hint: avoiding stress, accessing new opportunities, and saving yourself from nasty surprises)
The most impactful, actionable steps you can take right now—from invoicing faster to building a cash buffer—to shore up your business against risk and set yourself up for growth
Whether you’re just getting started or you’ve been grinding for years, this episode will give you clarity and empower you to take control of your business’s financial reality.
Ready to thrive instead of just survive?Tune in now to unlock the cash flow secrets so many business owners overlook—and discover how you can use my favourite tips to finally get a handle on your money (and your stress levels!).
What’s next?Hit play on this episode, and if this cash flow framework speaks to you, check out my  small business cash flow course at www.amybajada.com.au/cashflow 

EPISODE 183 : From Confusion to Clarity: How Financial Statements Can Clear the Fog

Is your mind going blank the moment you open your financial reports? You’re not alone—and this episode is here to help.
Join me as I share a relatable (and all-too-common) story from my consulting sessions: a business owner working tirelessly, but completely lost when it comes to reading financial statements. If you’ve ever felt overwhelmed or intimidated by your P&L, balance sheet, or cash flow statements, this episode will flip the script and turn those pages of numbers into your most powerful business tool.
What’s in it for you?
Demystify Your Numbers: I'll strip away the jargon and emotion, breaking down the “big three” financial statements (P&L, balance sheet, cash flow) in practical, business owner-friendly terms.
Spot & Fix Problems: Discover how reading your financials can pinpoint what’s really holding your business back—from creeping expenses to tricky cash flow timing—so you can stop guessing and start growing.
Real Stories, Real Impact: Hear concrete examples of clients who went from floundering to scaling sustainably—all by understanding their numbers.
Take Action, Build Confidence: And lay out a simple challenge: pick up a financial statement, spend 15 minutes reviewing it, reflect, and take your first step toward financial clarity and control.
What to do next?
Press play to hear this relatable breakdown of why financial statements are your business’s best friend—not something to fear. Whether you’re a seasoned owner or just starting out, you’ll leave feeling empowered, curious, and ready to have genuine “aha” moments with your business finances.
Ready to turn overwhelm into insight? Hit that play button and start making smarter business decisions today!

EPISODE 182 : Empowering Business Owners to Make Confident and Strategic Decisions.

Ever feel buried under a mountain of business decisions, wishing someone would just tell you what to do? You’re not alone. In this episode, I wanted to share a candid moment with a client that led me to this discussion of unpacking one of the most universal struggles for business owners: decision overwhelm.
Here’s what you’ll uncover in this episode:
Real Talk on Decision Fatigue: we'll dive into why decision overwhelm is so real for entrepreneurs—and why waiting for the “perfect answer” is holding you back.
A Simple, Actionable Framework: Walk away with my 6-step process to make smarter, quicker business decisions—without spiralling into the “what ifs."
Mindset Shifts That Matter: Learn how to trust yourself, align choices with your vision, and build momentum instead of getting stuck.
Reflection as Your Superpower: I'll explain why every decision is a learning opportunity, not a test you have to ace.
Permission to Collaborate: You don’t have to do this alone! Find out how to leverage your network for better clarity and confidence.
I'll even challenge you to take immediate action: Pick one big (or small!) decision you’ve been avoiding, use this framework, and move forward—then share your win with me!
What’s next?
If you’re ready to stop feeling paralysed and start making empowered business moves, this episode is your nudge to press play.
Listen now and discover how consistent, confident decisions are the real drivers of your business growth.
Be sure to tag me with your breakthrough moment, and don’t forget to share this with a fellow business owner who could use some clarity and confidence!

EPISODE 181 : Discounts, Deals & Dollars: The Real Cost of Running Promotions in Business

Are your sales up but your profits mysteriously down? If you’ve ever run a promotion and ended up exhausted but not richer, this one’s for you.
In this high-impact, real-talk episode, we're gonna get candid about a common trap so many business owners fall into: over-discounting. Drawing on a real-world story of her client’s homeware store, we'll uncover why those buzzing sales numbers don’t always mean your business is healthier.
Here’s what you’ll discover:
Why offering discounts may bring in customers—but can quietly eat into your profits
The hidden cost of “quick win” promos, and the danger of training your customers to only ever buy on sale
How discounting (even with gifts and bonuses) impacts your brand and bottom line
Five proven strategies to run profitable, purposeful promotions—without sabotaging your future
The surprising power of rewarding loyalty over chasing first timers, and why tracking your results is non-negotiable
I'll break down the essentials in a no-nonsense chat: Set a goal, keep your sales short and sweet, discount smart (not everywhere!), and always—always—know your margins.
Feeling stuck in a discount cycle, or just want to sharpen your pricing strategy?This episode is your nudge to take control. Tune in and learn how to use deals to your advantage—without giving your profits away.
Ready to step up your promo game? Listen now and start staying profitable, not just busy.

EPISODE 180 : Why the right tools are just the start of your financial strategy!

Ever tried to use a “must-have” financial tool or calculation in your business, only to feel more confused than enlightened? You’re not alone. In this episode, we'll dive into why the one-size-fits-all formulas floating around the internet don’t always work—and more importantly, what does.
This episode came about from an eye-opening question from my last  Monday office hours (my new favourite part of the week!) that sparked a deeper look at how we use financial tools in our businesses. I'll admit: financial software like Xero and QuickBooks are brilliant starting points but they’re not the endgame. The real power comes from knowing what information you actually need, and building insight around those needs.
Here’s what you’ll get in this episode:
The reality behind popular financial software – Why Xero, QuickBooks, and the like are great for tracking but don’t always provide the tailored insight your business craves.
How to make your numbers work for you – I'll walk you through the essential questions to ask that will help you extract real value from your financial data.
The underrated superpower of Google Sheets and Excel – Discover how spreadsheets unlock custom insights and reporting you can’t get from off-the-shelf software.
A roadmap to smarter tracking – Learn how integrating the right tools (and asking better questions of your numbers) leads to better answers and visible business growth.
A practical, five-minute challenge – and I'd like to invite you to get curious about your financials and take your first step toward meaningful clarity.
At the end of the day, I want to remind you: you don’t need to become an accountant. You just need the right questions, some curiosity, and confidence with your tools.
Ready to get more from your business numbers?Listen now and discover how to create clarity, not chaos—no buzzwords required.
P.S. If you’re tired of figuring it all out on your own, join my free office hours sessions here for hands-on support!
If you're wanting to Get Started with Xero or Quickbooks ... simply check out my mini courses on my website www.amybajada.com.au
 

EPISODE 179 : What are the potential risks and financial implications of expanding my business?

Are you hustling through those long hours, feeling the buzz of your business gaining momentum, and now itching to take things to the next level? Whether your dream is to open another location, launch a new product, expand your team, or break into a brand-new market ... this episode is your must-listen, real-talk reality check.
Join me as we celebrate business growth but don’t sugarcoat the challenges. We'll pull back the curtain on the real financial considerations that come with expansion and share the "boring sh!t" you absolutely need to know before you make your next bold move.
What’s Inside:
The hidden costs of expanding—and how to avoid being blindsided by your budget.
Cash flow forecasting that goes way beyond a simple budget spreadsheet.
Planning for increased expenses: can your margins handle it?
Funding your growth: how to map out repayments and avoid risky pitfalls.
Testing new ideas or markets, the smart way.
Scaling up your systems so nothing breaks under the weight of success.
How to protect your business’s personal touch as you grow.
Building a team that supports expansion (without burning everyone out).
Creating financial forecasts so you’ll always know when you’re winning... or if it’s time to pause.
Why Listen? I don't just talk theory ... you will receive actionable steps to analyse your business, avoid common pitfalls, and make sure your growth is sustainable, not just exciting. Get the wisdom and courage you need to make your next step your best one.
Next step? Hit PLAY on this episode and future-proof your business growth. Got a fellow business owner gearing up for big things? Share this episode with them! And don’t forget to connect with me about your big takeaways.
Growth feels great ... but let’s do it smart. Your sustainable, thriving business is just an episode away.

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.