We are blessed to have such a wealth of financial experience here at SA Woman.

Which is why Lauren Zwaans from KIS Communications turned to our number crunching business owners to gain their top tips on making your money go further in business and at home.

As you’ll see here, bringing together our chartered accountant members for their advice meant there was no shortage of fantastic information. 

~ Thanks for sharing your expertise with us today! What’s your top money tip for staying on top of your finances at work?

Alison, AK Tax Services: Keep your business income and expenses and personal expenses separate. It’s really hard to budget or track your cashflow when your business and personal funds are all mixed together.

Emma, Fusion Accountants: My top tip for small business is to manage your cash flow. Understand the difference between your profit and cash flow. A business can survive for a period of time without making a profit, but cannot survive without cash.

Bronwyn, Cloudhouse Consulting: Don’t stick your head in the sand Have a current budget, cash flow summary and reconcile your data file at least weekly so you can see how you’re tracking.  Better still if you’re using Xero set up your budget in your software.  If you’re falling behind, say on your BAS or income tax payments, contact either your tax agent or the ATO and put in place a payment arrangement.

~ How can SA business women make their money go further in 2019?

Aly, All in Advisory: Think with your head not your heart.  Take control and track your spending.

Natasha, Tashly Consulting: By utilising other local SA Women in business, we are able to make our money work for us numerous times over. By engaging local women, you are supporting families and the local communities. I get a kick out of knowing that by supporting a fellow SA Woman in business,  I am helping their daughter to have dance lessons, or their son have music lessons.  I know that my money is going further into the community by it then supporting the music teacher or dance school who in turn then spends it back into our community.  Business support business is crucial for all of our ongoing success.

Rebecca, Kaleidoscope Accounting: Set a budget for the financial year. A budget will help you map out your income and expenses and may highlight some areas that need to be addressed.

~ A lot of our members look after finances at work and the family budget at home. Do you have any tips for making your money go further at home?

Jo, Agile Accounts: Work out a menu plan for the week! I find that this works for us and shopping to this means we don’t need to shop daily and on a whim. Also, have a simple budget for home to ensure that things are on track (and simple cashflow too)!

Aly: Budget budget budget – 50% for needs, 30% for wants and 20% for savings.

Alison: The Barefoot Investor is my go-to advice regarding home finances, particularly when it comes to working out how to save money. It’s a really easy read and the advice is solid. Basically, he advocates shopping around, doing the leg work and making sure you are getting the best deal when it comes to home loans, insurance etc. Just like in business, saving money on your personal expenses will have a positive impact on your bottom line.

Rebecca: Review your subscriptions for home and business – if you’re not using them get rid of them.  That extra $11/month is better off in your pocket.

Natasha: Treating your own family finances the same way as a business, can really help you take control.  The first step is to really understand where your money is going.  Track where your money is being spent so you can analyse any areas of potential waste, or where possible savings could be made. Once you know what your costs are, create a family budget. Being able to put money aside each week, fortnight or month consistently to cover the regular bills for the family will provide sufficient funds in your accounts when the bills arrive.  In turn, this means you’ll be able to take advantage of ‘pay on time’ discounts offered by many providers rather than struggling to meet commitments by the due date.

~ Are there any finance podcasts or resources you recommend for entrepreneurs?

Bronwyn: Absolutely. ‘Freakonomics’ which is available on Stitcher – some episodes are also on Spotify – and ‘James Wedmore – The Mind Your Business Podcast’.  I listen to these religiously while I’m walking!

Emma: ‘What Works – With Tara Gentile’.

Aly: ‘She did it her way’.  Amanda Boleyn talks to female business owners about the ups and downs of starting and growing a business.

Natasha: I’m a little ‘old school’,  so still enjoy reading a good book.  My favourites include Rich Dad, Poor Dad by Robert Kiyosaki and E-Myth by Michael Gerber, two leading texts that helped me get on the entrepreneurial path.

Rebecca: I have just finished reading the Mark Manson book The Subtle Art of Not Giving a F*ck – I think this is a must read for everyone!

Jo: The podcast ‘Superwomen…We Ain’t.’

Thanks to our numbers gurus for your time. Ladies, go forth and prosper!


Connect with the financial stars of this article:

To get in touch with any of the knowledgeable women featured here, follow the links below or head to the SA Woman member directory and select the ‘Accounting’ category.

Aly Garrett, 

All in Advisory

FacebookAll in Advisory

Website: www.allinadvisory.com.au


Alison Kennedy,

A K Tax Services 

Facebook: AK Tax Services

Website: www.aktaxservices.com.au

Emma Fabbro,

Fusion Accountants

FacebookFusion Accountants 


Jo Leydon,

Agile Accounts

Facebook: Agile Accounts

Website: www.agile-accounts.com.au


Natasha Sampson-Ly,

Tashly Consulting

Facebook: Tashly Consulting

Website: www.tashlyconsulting.com



Bronwyn Johnson,

Cloudhouse Consulting

Facebook: Cloudhouse Consulting 

Website: www.cloudhouse.consulting

Rebecca Brind,

Kaleidoscope Accounting

Facebook: Kaleidoscope Accounting 

Website: www.kaleidoscopeaccounting.com.au