The boring sh!t in business Podcast with Amy Bajada

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.👇

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!