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The Digital Duty of Care Bill: what business needs to know (and what it doesn’t, yet)

The Digital Duty of Care Bill: what business needs to know (and what it doesn’t, yet)

by Matthew | Nov 12, 2026 | Clarity, Systems & Technology

You’ve got a website, an Instagram account and maybe an online booking page. Now there’s a new online-safety Bill in the headlines, and there is some chatter that every business with a website will need to undertake an annual risk assessment. So do you...
An accountant should do more than your tax return. Here’s what “more” actually means.

An accountant should do more than your tax return. Here’s what “more” actually means.

by Matthew | Nov 11, 2026 | Clarity, Compliance

Records go in once a year, the return gets lodged, and that’s the relationship. If that sounds familiar, you’re using maybe a quarter of what an accountant can do for a business in its first few years — and that’s the quarter that costs you the least...
“So where is it?” Why the profit and the bank balance don’t match

“So where is it?” Why the profit and the bank balance don’t match

by Matthew | Nov 9, 2026 | Cash Flow, Clarity

You’ve just been told the business made a good profit. You’re pleased. You’re also doing arithmetic in the back of your head about Thursday’s wages, because the account doesn’t look like a good profit. That gap is not an error, and it...
The rate rise: what I’m telling clients this week

The rate rise: what I’m telling clients this week

by Matthew | Nov 5, 2026 | Behind the Headline, Cash Flow, Clarity

On Tuesday the Reserve Bank lifted the cash rate target by 0.25 percentage points to 4.85%. If you run a business, you’ve probably already done the quick sum in your head: what does this do to my loan repayments? That’s the right first question. It...
Four habits in the first five years that decide whether cash is ever a problem

Four habits in the first five years that decide whether cash is ever a problem

by Matthew | Oct 28, 2026 | Cash Flow, Clarity

You’re three years in, the work is coming, and you’re busier than you’ve ever been. You’re also checking the bank balance more often than you’d admit to anyone, because busy and comfortable turn out to be two very different things....
Cashflow, in plain English: what your bank balance is trying to tell you

Cashflow, in plain English: what your bank balance is trying to tell you

by Matthew | Oct 26, 2026 | Cash Flow, Clarity

You’ve been running the business for fifteen years. Sales are steady, the work keeps coming, and the P&L says you made a profit last year. So why does the bank account feel tight every single quarter? That gap — between what the reports say and what the bank...

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