The boring sh!t in business Podcast with Amy Bajada

AmyBajada

Ahh, the boring sh!t in business … you know the sh!t I’m talking about! Profit margins, cash flow, forecasting, strategy — the stuff that makes most business owners’ eyes roll. But here’s the truth: these numbers are the heart and soul of your business. This podcast is for small business owners who want to finally get clear on their cash flow, boost their profit, and build a business that lasts. Each episode breaks down complex financial concepts into straight-talking, practical tips you can actually use. Think of it as your no-BS guide to money management, pricing, and business growth. I’ve built this platform to bust the stigma that finance is boring. Here, you’ll find education, fun, a little sass, and plenty of real-world strategies that will change the way you look at your numbers. Don’t believe me? Hit play and see how cash flow can actually be kinda sexy. A x

  1. 3d ago

    EPISODE 236 : Before you offer that discount .. do the maths!

    “It’s only 10% off…” But what if that 10% discount actually wipes out a third of what you were going to make on the sale? That’s the conversation we’re having this week. Because discounting isn’t necessarily bad for business. Used strategically, it can help move stock, fill unused capacity, encourage commitment, improve cashflow or bring new customers through the door. The problem is when discounting becomes a reaction rather than a strategy. A customer asks for a better price. Sales are a little quiet. A competitor launches an offer. You’re worried they might say no. So you knock a little off. But did your costs come down too? Did the work reduce? Did the time involved suddenly become worth less? Probably not. In this episode, we’re looking at what a discount really costs your business, why a small reduction in price can have a much bigger impact on your margin, and how much extra you may need to sell just to get back to where you started. We’ll also talk about when discounting can make good commercial sense, what you should be getting in return, and the questions I want you to ask before offering your next deal, package or promotion. Because I’m not here to tell you to never discount. I just don't want you giving away your margin accidentally. 🎧 Have a listen before you offer that next 10% off.

  2. Aug 11

    EPISODE 235 : Can your business actually afford you?

    Can Your Business Actually Afford You? We ask whether our business can afford a new employee, new software, a bigger space or another investment all the time. But when was the last time you asked whether your business can actually afford you? Because if your business only works financially because you work for free, work ridiculous hours, take whatever money happens to be left, or continually absorb the jobs the business can't afford to pay someone else to do… we need to have a conversation about whether the business model actually works. In this episode, we're talking about the hidden “owner subsidy” that exists in so many small businesses — the unpaid time, energy and capacity business owners contribute without ever recognising it as a real cost. We'll look at the difference between what you take from your business and what it would actually cost to replace everything you do, why growth can sometimes make the problem worse, and the uncomfortable question every business owner should be asking: What would my business need to look like to afford me properly? This isn't about suddenly giving yourself a massive pay rise. It's about recognising that you are not the free resource in your business. Because at the end of the day, your business shouldn't only work because you do — it should work for you, too.

  3. Aug 7

    EPISODE 234 : GUEST EPISODE : Joanne Caruso from Joanne’s Temple Colonics and Wellness

    What happens when you love what you do… but realise passion alone isn't enough to keep the business going? In this episode, I'm joined by the wonderful Joanne Caruso from Joanne's Temple Colonics and Wellness Centre. Joanne's journey into business is an incredibly personal one. After more than 30 years in corporate HR, and following some heartbreaking changes in her life, she made the decision at 50 to finally pursue work that meant something to her. Three years into running her own business, though, Joanne has discovered something so many small business owners eventually do: Being good at what you do and understanding how your business works financially are two very different things. We talk openly about what changed when Joanne started paying closer attention to her numbers — from realising that having a buffer in the bank didn't necessarily mean she was financially secure, to understanding her cashflow, reviewing her spending and making the difficult decision to increase her prices for the first time in three years. And I love that Joanne doesn't pretend that knowing her numbers suddenly made everything easy. Some of it still scares her. The difference? Now she can plan. She can see a quieter period coming and do something about it. She can make decisions about pricing based on what the business actually needs. And she can start thinking seriously about growth, including bringing another clinician into the business. This is such a real conversation about the evolution that happens when we stop avoiding the numbers and start using them. Because knowing your numbers isn't about having everything figured out. Sometimes it's simply about finally having something to work with. Take a listen .. Joanne's Details below 👇🏼 https://joannestemplecolonics.com.au/   https://www.instagram.com/joannestemplecolonics/   https://www.facebook.com/JoannesTempleColonics   https://www.tiktok.com/@joannes_temple

  4. Jul 28

    EPISODE 233 : Stop Watching Your Bank Balance (Watch These 5 Numbers Instead)

    How many times have you checked your bank balance today? If you're like most small business owners... probably more than once. We often use our bank balance as the scoreboard for our business. If there's money in the account, we feel okay. If it's looking a little tight, we start questioning everything. But here's the truth... Your bank balance tells you where you've been. It doesn't tell you where you're going. In this episode, I'm cutting through the noise and challenging one of the biggest myths in small business. Forget the twenty KPIs Google tells you to track. Most business owners don't need another complicated dashboard... they simply need to understand the numbers that help them make better decisions. I'll walk you through the five numbers I believe every small business owner should know and, more importantly, why each one matters. We'll explore: Why your bank balance can give you a false sense of security (or unnecessary panic). The difference between having money in the bank and having cash available. Why a simple cash flow forecast can completely change your decision-making. The number that tells you whether you're actually making money, not just staying busy. How outstanding invoices quietly drain your cash flow. Why capacity is one of the most overlooked numbers in business. How asking five simple questions each week can replace uncertainty with confidence. Because the goal isn't to become an accountant. The goal is to become a better decision-maker. If you've ever felt overwhelmed by reports, confused by financial jargon, or wondered which numbers actually deserve your attention, this episode is for you. 🎧 Tune in now and discover the five numbers that could completely change the way you run your business. — Connect with Me (Amy) If today's episode resonated with you, I'd love to help you build greater confidence around your business finances. 💻 Learn more about my Small Business Cashflow Course 📞 Book a Discovery Call 📲 Follow along on Instagram and Facebook for more practical business and cashflow tips.

  5. Jul 21

    EPISODE 232 : Hey Google ... Where's my Money Going?

    "Where's my money going?" If you've ever found yourself typing those words into Google (or ChatGPT), you're certainly not alone. In fact, it's one of the most common questions business owners search for. The problem is... Google can give you thousands of possible answers, but it can't tell you what's actually happening in your business. In this episode, we're exploring why so many business owners are searching for quick fixes, why those answers often leave us feeling even more overwhelmed, and why understanding your numbers is about so much more than simply finding another expense to cut. We'll talk about: Why "Where's my money going?" might actually be the wrong question. The difference between information and understanding. Why business owners aren't really searching for answers—they're searching for certainty. How small financial decisions quietly compound over time. Why the real shortcut isn't another Google search... it's knowing what to look for. After almost 30 years working alongside small business owners, I've learnt that the biggest breakthroughs don't come from finding more information—they come from asking better questions and understanding what your numbers are really trying to tell you. If you've ever looked at your bank account and wondered where all your hard work has gone, this episode is for you. Ready to stop guessing? If you'd like to understand your business finances without spending months trying to piece everything together yourself, my Small Business Cashflow Course was created for exactly that. I've taken nearly 30 years of experience and distilled it into five practical, easy-to-follow modules designed specifically for small business owners—no accounting degree required. Because the real shortcut isn't finding more information... It's learning what actually matters. Thanks for listening! If this episode resonated with you, I'd love it if you subscribed, left a review, or shared it with another business owner who might need to hear this conversation.

  6. Jul 14

    EPISODE 231 : Would You Buy Your Own Business?

    Would you buy your own business? It's a strange question... until you really stop and think about it. This episode, I'm inviting you to do something a little different. Forget your to-do list. Forget your inbox. Forget the fact that you're the owner for just a little while. Instead, imagine you've just walked into your business for the very first time... with one goal. Would you invest your own money in it? Before you panic... this isn't an episode about selling your business. It's about seeing it. Because when you've been inside your business for years, it's easy to stop noticing the things that have quietly become "normal." The customer you've outgrown. The problem you've been avoiding. The process that's harder than it needs to be. The opportunities hiding in plain sight. In this episode, I'll become the buyer, and together we'll walk through your business with a completely different perspective. Not to criticise it. Not to judge it. But to become curious about it. Because sometimes the biggest breakthrough doesn't come from working harder. It comes from asking better questions. 🎧 In this episode, we'll explore: Why business owners often become too close to their own business to see what's really happening. The first questions a curious buyer would ask... and why they're probably different from the ones you're asking yourself. Why being busy and being profitable aren't always the same thing. How shifting from defending your business to becoming curious about it can change the decisions you make. Why you don't need to sell your business to start thinking like someone who just bought it. If this episode leaves you looking at your business a little differently, then we've achieved exactly what we set out to do. So grab a coffee, pull up a chair... And let's buy your business.   💬 I'd love to hear from you. After listening, ask yourself one question: Would you buy your own business today... and if not, what's the very first thing you'd change? Come and share your biggest insight with me on social media or send me a message. I'd genuinely love to hear what this exercise uncovered for you. Because remember... You don't need to sell your business to start thinking like someone who just bought it. Book a discovery call 👇🏼 www.amybajada.com.au/discoverycall  Join my Small Business Cashflow Course

  7. Jul 7

    EPISODE 230 : GUEST INTERVIEW : Karen Ahl from Web-Sta Web Design

    What happens when a business owner stops believing that more sales will solve everything and starts understanding what is really driving the business? In this episode, I sit down with Karen Ahl, founder of Web-sta, a marketing agency celebrating almost 20 years in business. Karen was actually the very first person to purchase my Cashflow Course, and after first appearing on the podcast back in 2022, she's back to share what has changed, what she has learned, and what continues to drive her success. This conversation goes far beyond websites and marketing. We dive into the financial realities of running a business, the pricing mistakes many business owners make, the lessons that come from growth, and the importance of understanding what is really happening behind the numbers. Together we explore: • Why "if I just make more money" is one of the most dangerous beliefs in business • The financial lessons that changed the way Karen runs her business • Understanding the difference between margin and actual profitability • How she discovered some customers were costing her money • The reality of increasing prices and what happened when she finally did it • Building systems, processes and a team that supports growth • Why self-belief becomes one of the most valuable business assets you can develop • The surprising challenges that come with success and visibility • Learning to work with the right people and building a business that aligns with your values This is an honest conversation about business ownership, growth, resilience and making better decisions with both confidence and data. Whether you're just starting out or you've been in business for years, there are plenty of lessons in this episode that will challenge the way you think about money, pricing, growth and what success really looks like. Connect with Karen and Web_Sta: www.web-sta.com.au karen@web-sta.com.au As always, if this episode resonates with you, I'd love for you to share it with another business owner who needs to hear it.

  8. Jun 30

    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

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Ahh, the boring sh!t in business … you know the sh!t I’m talking about! Profit margins, cash flow, forecasting, strategy — the stuff that makes most business owners’ eyes roll. But here’s the truth: these numbers are the heart and soul of your business. This podcast is for small business owners who want to finally get clear on their cash flow, boost their profit, and build a business that lasts. Each episode breaks down complex financial concepts into straight-talking, practical tips you can actually use. Think of it as your no-BS guide to money management, pricing, and business growth. I’ve built this platform to bust the stigma that finance is boring. Here, you’ll find education, fun, a little sass, and plenty of real-world strategies that will change the way you look at your numbers. Don’t believe me? Hit play and see how cash flow can actually be kinda sexy. A x

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