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Knowledge Base

Bookkeeping, Payroll & Tax Guides

376 plain-English guides for Australian small business owners, grouped by topic. Registered BAS Provider and Xero Certified Advisor.

Payroll & SCHADS Award

37 articles

Payroll processing, SCHADS award interpretation, STP, super and employing staff.

Bookkeeping and Payroll Services Together: Why Separating Them Is Costing Australian SMBs Money

Most small business owners never stop to question it. The bookkeeper handles the accounts, the payroll provider handles

Bookkeeping for Veterinary Clinics in Australia

Drug and consumable inventory, after-hours vet payroll, and GST on taxable animal health services. Here's how Australia

Conveyancer Payroll for Casual Settlement Staff Australia

Award classification, casual loading, superannuation and overtime for casual settlement support staff at Australia conve

Dental Practice Payroll: Award Rates, Associate Dentists and

HPSS Award 2020 rates for dental staff, how to classify associate dentists for payroll and super purposes, and STP Phase

Do Casual Employees Get Paid Superannuation

Do casual employees get paid superannuation? Yes, since 1 July 2022, the $450 monthly threshold was removed. Every casua

Employment Hero vs Deel: Payroll Comparison

Employment Hero vs Deel for Australian payroll. What each is built for, a side-by-side comparison, which suits your busi

FAQ: Payroll and STP compliance for small Victorian businesses

Payroll and STP Compliance FAQs for Small Victorian Businesses Q: What is Single Touch Payroll and who needs to use it?

Fair Work Commission abolishes junior pay rates for young adult employees

Fair Work's changes to junior pay rates: what the decision means for Australian employers and how to update your payroll

GP Contractor vs Employee: Payroll and Tax Implications

How GP clinics in Australia should classify doctors correctly, contractor vs employee, payroll tax exposure, and what re

Is Your Australian Business Liable for Payroll Tax?

A practical guide for Australian business owners working out whether they're approaching the Victorian payroll tax thres

NDIS Bookkeeping for Providers: Claims, SCHADS Payroll and

How NDIS providers keep portal claims, plan-manager invoices and participant billing reconciled, run SCHADS payroll corr

Payday Super: What Changes for Employers from 1 July 2026

Payday Super starts 1 July 2026: what the superannuation changes mean for Australian employers and how to get your payro

Payroll Bookkeeper Australia

Australia payroll bookkeeper handling STP Phase 2, superannuation, and award wage compliance. Xero-integrated payroll fo

Payroll Compliance Mistakes Professional Services Make (Plus Your Annual Checklist)

The payroll compliance mistakes professional services make, why they happen, and a practical annual payroll compliance c

Payroll Management for Australian Small Business: The Complete Guide

Payroll management for Australian small business: award classification, STP, super and payday super explained simply, pl

Payroll Outsourcing Services

Payroll outsourcing services for Australian employers. Award interpretation, Single Touch Payroll, super and records han

Payroll Outsourcing for NDIS Support Services: The SCHADS Award Guide

Payroll for an NDIS support service is not standard payroll. Support workers are covered by the Social, Community, Home

Payroll Record-Keeping Requirements in Australia: Fair Work and the ATO

Australian employers: learn the payroll records Fair Work and the ATO require, how long to keep them, and how Xero and S

Payroll Services for Small Business

What payroll services actually include, how they're priced, and what to check before you outsource. A plain-English guid

Payroll Tax by State and Territory in Australia (2025-26)

A single sourced comparison of 2025-26 payroll tax thresholds, rates and regional vs metropolitan treatment across all e

Payroll Tax in Victoria: Threshold, Rate and What Counts as Wages

Payroll tax in Victoria is a state tax on wages, and it catches out more growing businesses than almost any other Victor

Payroll Tax on Contractor GPs and Medical Practices in Australia: What Changed and What to Do

State revenue offices are treating service-fee payments to contractor doctors as wages for payroll tax. What changed, ho

Payroll for Casual Teachers & Trainers Australia

Award classification, casual loading, superannuation and STP reporting for casual and sessional teachers, trainers and t

Penalty for Not Paying Super: How the SGC Works

The penalty for not paying super explained: how the Superannuation Guarantee Charge works, SGC rates, penalties for not

Rippling vs Deel: Global Payroll Compared for Small Business

Comparing Rippling and Deel for Australian small businesses hiring international team members, what each actually does,

SCHADS Award Classification Guide

A plain-English SCHADS Award classification guide: the streams and levels, how to classify a worker correctly, and the c

SCHADS Award Pay Increase 2026

The SCHADS Award pay increase for 2026: when it applies, what to update in payroll, annualised salary checks, and how it

SCHADS Award Payroll Services in Australia: Levels, Penalty Rates and Compliance

Affordable SCHADS Award (MA000100) payroll services for Australian NDIS, disability, home care, aged care and community

STP Finalisation: How to Finalise Payroll

STP finalisation explained: what it is, the 14 July deadline, how to finalise payroll in Xero, what happens to employee

Single Touch Payroll Finalisation: Your EOFY Checklist

A practical STP finalisation checklist for Australian employers — key ATO deadlines, common errors, super reconciliation

Single Touch Payroll: A Checklist for New Employers

Hiring your first employee in Australia? Here's the Single Touch Payroll setup checklist to get right before your first

Small Business Spotlight: When Payroll Looks Right, But the HR Foundations Aren't

Small Business Spotlight with Mel Doxey of EmpowerMe HR: why payroll can run perfectly and still be wrong, the 2026 chan

Subcontractor vs Employee: Super Obligations for Australian

The SGC results test, the 2024 High Court decisions, and what happens when super isn't paid. What Australia service busi

Tax Brackets vs PAYG Withholding: Why Your Pay Doesn't Match the Rate Table

Confused why your payslip tax doesn't match the ATO bracket table? Here's how PAYG withholding, Medicare levy and LITO r

When You've Outgrown Doing Your Own Bookkeeping and Payroll

Signs a Victorian small business has outgrown DIY bookkeeping and payroll: the real cost of doing it yourself, complianc

When to Hire Your First Employee in Australia: Awards, Super and WorkCover

When to hire your first employee in Australia and how to set it up: work out the award and pay rate, register for WorkCo

Xero Payroll vs Deputy vs Employment Hero: When to Switch

Xero's built-in payroll works well until it doesn't. Here's what it covers, where it starts to strain for Australian bus

NDIS & Disability Providers

7 articles

Bookkeeping, claims and payroll for NDIS and disability support providers.

Allied Health, Medical & Dental

37 articles

Bookkeeping for allied health, medical, dental and practice owners.

Associate Dentist: Contractor or Employee? The Australia

Most Australia dental practices classify associate dentists as contractors. After 2024 High Court decisions, many of tho

Associate Pay Splits for Dental Practices: A Bookkeeping

How to set up Xero to handle associate dentist pay splits correctly, GST, super, and contractor vs employee arrangements

BAS for Medical Practices: Understanding GST-Free Health

Which medical services are actually GST-free, which aren't, and how Australia medical practices should code them correct

Bookkeeping and Admin Support for Growing Allied Health and Professional Services Practices

Bookkeeping and admin support for growing allied health and professional services practices with 2+ staff: claims lodgem

Bookkeeping for Allied Health Practices Australia

Bookkeeping for allied health practices in Victoria, Medicare, HICAPS, NDIS, Cliniko and PowerDiary integrations. What y

Bookkeeping for Allied Health: Halaxy, Splose and Getting Claims Right

Bookkeeping for allied health practices using Halaxy or Splose: reconcile Medicare, NDIS, DVA and private health claims

Bookkeeping for Chiropractors in Australia

Chiropractic treatment income, retail supplement sales, HICAPS claims and equipment deductions. Here's how Australia chi

Bookkeeping for Dental Practices in Australia: The Complete Guide

Dental practice bookkeeping is genuinely different from standard small business bookkeeping. Between HICAPS batch settle

Bookkeeping for Dentists in Australia: GST, HICAPS and

Mixed GST treatment, HICAPS reconciliation, associate dentist contractor payments and chair utilisation for Australian d

Bookkeeping for Medical Practices and GPs in Australia: The Complete Guide

Bookkeeping for medical practices and GPs in Australia: bulk billing vs mixed billing, Medicare reconciliation, GST, con

Bookkeeping for Multi-Practitioner Healthcare Practices in

How group healthcare practices should track revenue per practitioner, manage service entity fees, reconcile Medicare and

Bookkeeping for Occupational Therapists in Footscray

Specialist bookkeeping for occupational therapy practices in Footscray. NDIS billing, HICAPS reconciliation, payroll and

Bookkeeping for Optometrists in Australia: Medicare, HICAPS, GST and Frames

Specialist bookkeeping for Australian optometry practices: Medicare and HICAPS reconciliation, GST on optical dispensing

Bookkeeping for Physiotherapists in Australia

Practical bookkeeping guidance for Australian physiotherapy clinics — GST on health services, payroll for contractors, X

Bookkeeping for Physiotherapists in Australia

Physio clinics juggle GST-free treatment fees, HICAPS health fund rebates and Medicare EPC payments. Here's how Australi

Bookkeeping for Podiatrists in Australia

Podiatry treatment income, custom orthotics, CDM Medicare rebates and HICAPS claims. Here's how Australia podiatry clini

Bookkeeping for Psychologists in Australia

Medicare Better Access rebates, GST-free counselling income and group practice splits. Here's how Australia psychology p

Bookkeeping for Radiographers in Australia: Medicare

Medicare bulk billing reconciliation, imaging equipment depreciation and contractor radiographer payments for Australian

Bookkeeping for Speech Pathologists Australia

NDIS plan-managed vs self-managed billing, Medicare CDM rebates and private health fund claims each need different bookk

Bookkeeping for Speech Pathology and Allied Health Group

NDIS claims, Medicare batches, health fund payments and mixed GST. How growing allied health practices keep four revenue

Dental Practice Fixed Assets and Equipment Depreciation

Which assets a dental practice can register under Division 40, ATO effective lives for dental chairs, OPG machines and h

Dental Practice GST and BAS: What's GST-Free and What's Not

GST treatment of dental services under Division 38-B, which procedures are GST-free versus taxable, input tax credit ent

Dental Practice KPIs and Benchmarking in Australia: The

Chair utilisation, patient recall rate, treatment acceptance rate and ATO benchmarking for Australian dental practices.

FAQ: Bookkeeping Medicare GST and BAS for podiatry practices in Victoria

Common questions about Bookkeeping Medicare GST and BAS for podiatry practices in Victoria for Geelong small businesses.

HICAPS Reconciliation for Allied Health Practices Australia

Why HICAPS batch settlements never match your bank deposits, and how Australia allied health practices reconcile them co

HICAPS Reconciliation for Dental Practices: Getting It Right

Why HICAPS reconciliation trips up so many Australian dental practices, and how to set Xero up so health fund payments a

Halaxy vs Splose: Which Saves Your Allied Health Practice

How to compare Halaxy and Splose for your allied health practice's billing mix, and what actually drives bookkeeping and

How Bookkeeping for Speech Pathology Practices Works in Xero

Chart of accounts, tracking categories, NDIS and Medicare reconciliation, invoicing and payroll setup for a speech patho

Medicare Billing Reconciliation for GP Clinics

Why Medicare bulk billing and patient billing reconciliation is so often wrong in GP clinics, and how to set Xero up to

PEXA Settlement Reconciliation for Conveyancing Practices

How to reconcile PEXA electronic settlements against trust ledgers accurately, and the common errors that catch Australi

Paediatrician Bookkeeping and Tax: Medicare, Deductions and

How paediatricians should manage Medicare bulk billing reconciliation in Xero, GST on specialist medical income, allowab

Payday Super for Healthcare Practices in Australia: What Changes 1 July 2026

What the 1 July 2026 payday super change means for healthcare practices in Australia: the seven-day rule, cash-flow impa

Physiotherapy Practice Finances in Australia: GST, HICAPS, Medicare and Margins

How physiotherapy practices in Australia should handle GST, HICAPS, Medicare and DVA income, margins per clinician, and

Podiatry Practice Bookkeeping in Australia: Orthotics GST, Stock and Medicare

How podiatry practices in Australia should handle the GST split between treatment and products, orthotics stock and marg

Private Midwifery Bookkeeping in Australia: Medicare, PII and GST

How private midwifery practices in Australia should handle Medicare-eligible income, GST-free care, professional indemni

Psychology Practice Bookkeeping in Australia: Better Access, Gap Billing and GST

How psychology practices in Australia should handle GST-free income, Medicare Better Access rebates, bulk-bill versus ga

Xero Setup for Dental Practices: Chart of Accounts That

How to set up Xero correctly for an Australian dental practice, chart of accounts, HICAPS, associate tracking and equipm

BAS, GST & Tax

64 articles

BAS lodgement, GST rules, deductions and small business tax.

7 Common BAS Mistakes Australian Business Owners Make

From GST slip-ups to missed deadlines, here are 7 BAS mistakes Australian business owners make, and exactly how a BAS Ag

ATO Audit Record-Keeping: What Australian Businesses Must Have Ready

What records the ATO expects during an audit, how long to keep them, and how Australian businesses can get audit-ready u

ATO Cracks Down on Small Business Tax Evasion and Unexplained Wealth

The ATO is intensifying its focus on small business tax compliance, targeting unexplained wealth and undeclared income,

ATO Cracks Down on Small Business Tax Evasion, Targets ‘Unexplained Wealth’

The ATO is intensifying its focus on small business tax compliance, targeting 'unexplained wealth' and undeclared income

ATO Turns Up the Heat: New Crackdown on Small Business Taxes and Lifestyle Claims

The ATO is intensifying its crackdown on small business tax compliance, focusing on unexplained wealth, deduction claims

BAS Due Dates 2027: Every Activity Statement

BAS due dates 2027: all quarterly and monthly activity statement deadlines for self-lodgers and registered BAS service p

BAS Due Dates in Australia: Every Quarterly and Monthly Deadline (2026-27)

Every BAS due date for 2026-27 in one place: quarterly, monthly and registered agent extension dates. Don't miss a deadl

BAS Late Lodgement Penalties: The ATO Is Less Lenient Now

Why BAS late lodgement penalties are being applied more consistently than they used to be, what they actually cost, and

BAS Lodgement Australia

Australian small business BAS lodgement made easy. Registered BAS service provider handles your GST, IAS and BAS on time

BAS Lodgement Deadlines 2025-26

All 2025-26 BAS lodgement deadlines for Australian small businesses, quarterly due dates, agent extension dates, and wha

BAS Statement Due Dates for Australian Businesses

BAS statement due dates for Australian small businesses: quarterly and monthly lodgement deadlines for FY2025-26 and FY2

Barrister Bookkeeping and Tax Deductions Australia

How Australia barristers should handle floor fees, chambers costs, GST registration, brief-based WIP and the deductions

Behind on Tax Payments in Australia? Here's What to Do First

If your business is behind on BAS, PAYG or income tax, the ATO has more flexibility than most people think, but only if

Bookkeeping and Tax for Gynaecologists and Obstetricians in

Practice bookkeeping guide for Victorian gynaecologists: private billing, hospital theatre fees, in-rooms procedures, eq

Bookkeeping and Tax for Influencers and Content Creators

Brand deals, overseas platform income, gifted products, ABN obligations and GST registration, what Australia influencers

Bookkeeping and Tax for Paediatricians in Victoria

Paediatrician practice bookkeeping guide for Victorian specialists: Medicare bulk billing reconciliation, GST-free healt

Bookkeeping for Buyers Agents in Australia: Commissions, GST

How a buyers agency's bookkeeping differs from a real estate agency's: commission structures, GST on service fees, and X

Bookkeeping for Electricians in Australia: Subcontractors, TPAR and BAS

Specialist bookkeeping for Australian electricians: BAS lodgement, TPAR, subcontractor payments, apprentice vs contracto

Bookkeeping for Law Firms in Australia: Trust, WIP, Billing & BAS

Bookkeeping for Australian law firms and sole practitioners: office-account bookkeeping, trust-account reconciliation su

Bookkeeping for Locksmiths in Australia | Callout Fees & GST

After-hours callout pricing, vehicle and stock tracking, and insurance/police job invoicing. Here's how Australia locksm

Bookkeeping for Plumbers in Australia: Job Costing, GST, TPAR and BAS

Specialist bookkeeping for Australian plumbers: job costing, materials vs labour, GST for tradies, vehicle log books, TP

Bucket Company: What Is It? How Can You Save Max. Profit With Min. Taxes

What is a bucket company in Australia? How this corporate beneficiary works, its tax benefits, and when it suits your bu

Can I Use Bank Statements as Receipts for Tax in Australia?

Whether you can use bank statements as receipts for tax in Australia, the ATO's substantiation rules, the $300 rule, GST

Can't Pay Your BAS? What Happens With GST Debt in Australia

GST debt is one of the most common forms of ATO debt for small businesses. Here's what happens if you can't pay your BAS

Catch-Up Bookkeeping in Australia: Late BAS Penalties, Remission Requests and What We Need From You

What actually happens when a BAS is lodged late, how to request a penalty remission, and the documents catch-up bookkeep

Company vs Trust: Which Business Structure is Right for You?

Company vs trust in Australia: how each structure compares on tax, asset protection and compliance, to help you choose t

Compliance Corner: Essential Bookkeeping & Tax for Australian Marketing Agencies

Compliance Corner: plain-English updates on ATO, Fair Work and super obligations for Australian small business, from Tru

Director Penalty Notices (DPN) Explained: PAYG, Super and

What a Director Penalty Notice is, how it makes directors personally liable for PAYG, super guarantee and GST debts, and

Do You Pay More Tax on a Second Job in Australia?

Do you pay more tax on a second job in Australia? How the tax-free threshold and PAYG withholding work across two employ

E-Signatures for BAS, IAS and TPAR: How Your BAS Agent Should Get Your Sign-Off

How a BAS agent should get your electronic signature on every BAS, IAS and TPAR lodgement, plus annual STP authority and

Ecommerce GST & Low-Value Imports | Australia Seller's Guide

GST on goods under $1,000, the $75,000 registration threshold, and reporting overseas supplier purchases. Here's how Aus

FAQ: BAS and bookkeeping for Bellarine Peninsula businesses

Common questions about BAS and bookkeeping for Bellarine Peninsula businesses for Bellarine Peninsula small businesses.

FAQ: Bookkeeping and BAS for Ocean Grove small businesses

Common questions about Bookkeeping and BAS for Ocean Grove small businesses answered for Ocean Grove small businesses. T

Federal Budget 2025-26: Small Businesses Eye Tax Relief, Energy Support, and Reduced Red Tape

Explore the key announcements and expectations for Australian small businesses in the Federal Budget 2025-26, focusing o

GST Audit Red Flags: What Triggers ATO Attention

The specific GST reporting patterns that draw ATO scrutiny, and how Australian businesses can avoid them through accurat

GST Exemptions in Australia: Key Benefits, Rules & Tax-Free Goods Guide

Full list of GST-free goods and services in Australia, food, healthcare, education, exports and more. Know what's exempt

GST Treatment of Tuition and Course Fees in Australia

Which education fees are GST-free under section 38-85, which aren't, and where Australia training providers and schools

GST on Overseas Brand Deals: What Australia Influencers Get

Overseas brand deals, gifted product and platform payments each have different GST treatment. A Australia content creato

Government Boosts Small Businesses with New Tax Breaks, Grants, and Innovation Funding

Discover how Australian governments are supporting small businesses with new tax breaks, grants, and innovation funding

Home Studio Tax Deductions for Australian Content Creators

Cameras, lighting, a dedicated studio space and wardrobe don't all get the same tax treatment. What Australia content cr

How Long to Keep Financial Records in Australia (A Complete Guide)

How long to keep financial records in Australia: the ATO's five-year rule, seven years for employee records, and exactly

How Much Can I Claim on Donations

How much can you claim on donations without a receipt in Australia? Up to $10 for small cash donations (bucket collectio

How to Pay Less Tax Legally in Australia

How to pay less tax legally in Australia: deductions, superannuation contributions, timing of income and expenses, busin

How to Pay Yourself as a Sole Trader

How to pay yourself as a sole trader in Australia: drawings vs wages, how you're taxed on profit, super, and how much to

I Haven't Done My Tax for 5 Years in Australia

Haven't lodged tax returns for 5 years in Australia? You're not alone and it's fixable. The ATO prefers voluntary disclo

Instant Asset Write-Off Explained: Thresholds & Eligibility 2026

A clear guide to the instant asset write-off for Australian small businesses — current thresholds, eligibility rules, an

Key Tax Changes Affecting Australian Small Businesses This Year

Super at 12%, Payday Super, non-deductible ATO interest and more — here's what Australian small business owners need to

Non-Commercial Losses: What Are & How to Defer Them? (A Guide)

What non-commercial losses are, the ATO's four tests, and how to defer them until your business is profitable. A clear g

Primary Production Tax Concessions Victorian Farmers Should

Income averaging, farm management deposits and other primary production concessions explained for Victorian farming oper

Record-Keeping Requirements Every Australian Small Business

What records the ATO actually requires you to keep, for how long, and in what form, a practical guide for Australian sma

Small Businesses to Benefit from New $5,000 Tax Write-Off

The Australian government introduces a new $5,000 tax write-off for small businesses, aiming to simplify tax and boost c

Sole Trader vs Limited Company in Australia: Key Differences & Which Is Better

Sole trader vs Pty Ltd, which structure suits your Australian business? Compare tax rates, liability, setup costs and AT

TPAR Explained: Who Must Lodge the Taxable Payments Annual Report in Australia

Which Australian businesses must lodge a TPAR, what has to be reported, the 28 August due date, and how trades and other

TPAR: Taxable Payments Annual Report

TPAR (Taxable Payments Annual Report) explained: which businesses must lodge, which industries are covered, what to incl

Tax Brackets Australia 2025-26: Every Rate

Australian tax brackets 2025-26 explained: every income threshold, the tax rate that applies, how the Medicare levy work

Tax Deductions Consultants Commonly Miss

The deductions independent consultants in Australia commonly overlook, home office, professional development, and vehicl

Tax Deductions for Tradies in Australia: Tools, Vehicle, Home Office and Licensing

A factual checklist of what Australian tradies commonly claim: tools and equipment, vehicle and travel, protective gear,

The ATO Is Ending Credit Card Payments for Tax and BAS (1 December 2026)

From 1 December 2026 the ATO will no longer accept credit card payments for tax and BAS, a flow-on from the Reserve Bank

Tutoring Centre Bookkeeping and GST in Australia

Why most tutoring and coaching college fees attract GST unlike school tuition, plus tutor payroll, contractor risk and c

Ways to Reduce Income Tax in Australia: 12

12 legal ways to reduce income tax in Australia for small business owners and sole traders: super contributions, deducti

What Business Records You Need to Keep for the ATO in Australia

Business record keeping requirements in Australia explained: what the ATO and Fair Work expect you to keep, how long, an

What Is GST in Australia? A Complete Guide for Small Businesses

What is GST in Australia? Registration thresholds, GST-free sales, BAS and how it works for small business, explained in

What Is The Tax Free Threshold in Australia: What You Should Know

The tax-free threshold in Australia explained: how much you can earn tax-free, how it works with a second job, and how t

What Is a True Tally Bookkeeping in Australia?

A registered BAS agent is the only person legally allowed to prepare and lodge your BAS in Australia. Learn what they do

ATO & Legislation News

25 articles

ATO changes, Fair Work, budgets and compliance updates for small business.

ATO Audit Triggers for Small Business in Australia

The ATO uses data matching and benchmarking to identify businesses that look out of line. Here are the real triggers tha

ATO Directors’ Fees: What Are & How To Pay Them (Everything You Need to Know)

Paying yourself too little as a director? The ATO scrutinises low director salaries. Learn what reasonable remuneration

ATO Garnishee Notices: What They Mean and How to Respond

A garnishee notice lets the ATO collect a tax debt directly from your bank account or debtors. Here's how it works and w

ATO General Interest Charge

The ATO's General Interest Charge (GIC) runs at ~11% annually on unpaid tax debt. Here's how it compounds, when you can

ATO Legislation Changes for 2026: What Australian Small Businesses Need to Know

Payday super, the 12% SG rate, instant asset write-off and ATO debt crackdowns — here's what Australian small business o

ATO Payment Plans for Small Business

The ATO offers payment arrangements for businesses with tax debt, but there are rules, interest charges and conditions.

ATO Payment Plans for Small Business in Australia: How They Work, What They Cost and How to Set One Up

How ATO payment plans work for Australian small businesses: eligibility, the three ways to set one up, what the general

ATO’s Free Super Clearing House to Close, Small Businesses Urged to Prepare

The ATO is closing the Small Business Superannuation Clearing House in July 2026. Learn about the 'Payday Super' reforms

Behind on ATO Debt in Australia? Here's What to Do

Australian small business behind on BAS or tax payments? Here's exactly what to do first, lodgements, ATO payment option

Card Surcharge Ban from 1 October 2026: How to Reprice Without Losing Margin

From 1 October 2026 you can no longer surcharge card payments in Australia. What actually changes, how to work out your

Card Surcharge Ban: Small Businesses Brace for Impact from October 1st

Explore the implications of the RBA's card surcharge ban for Australian small businesses, effective October 1st. Underst

Employee Cost Calculator Australia (2026): True Cost per Hour

Free employee cost calculator for Australian businesses. Work out the true cost of an employee per year, per hour worked

Fair Work Ombudsman Explores AI to Cut Through Red Tape

The Fair Work Ombudsman is exploring AI technology to simplify workplace regulations and reduce administrative burdens f

Government Boosts Small Businesses with Grants, Funding, and Support Programs

Explore government initiatives and funding for small businesses in Australia, including grants, innovation programs, and

How Far Back Can the ATO Audit You? Can They Be Avoided?

The ATO can audit 2 years back for standard returns, up to 5 years for complex cases, unlimited for fraud. Learn what tr

How the ATO Actually Selects Businesses for Audit

The ATO doesn't pick audit targets at random. Here's how data matching and risk indicators actually work, and what incre

How to Build an Annual Budget for Your Small Business in

A business budget isn't a spreadsheet you ignore, it's a monthly roadmap for revenue, costs, and profit. Here's how to b

How to Handle an ATO Audit as an Australian Small Business Owner

Received an ATO letter? Here's exactly what an Australian small business owner should do first, what records the ATO wan

How to Streamline Your Small Business Bookkeeping (Step by Step)

Learn how to streamline bookkeeping for your small business: go cloud, automate receipts, reconcile weekly, and turn a y

Liquidator vs Debt Restructuring

If your business debt has gone past a payment plan, you have options, but liquidation and restructuring are very differe

OpenAI Forges Alliance with Australian Small Business Lobby for Local Expansion and AI Policy Influence

OpenAI partners with Australia's Council of Small Business Organisations Australia (COSBOA) to drive AI adoption, resear

Small Business Grants in Victoria: What Australian Businesses Can Access

Where Australian small businesses find current Victorian and federal grant opportunities, and the financial records need

Streamline Your Back End and Cut Costs With a CRM

How a simple CRM like Capsule cuts admin time and cost for small businesses by replacing scattered spreadsheets, inboxes

Summary of obligations (Anti-Money Laundering Reform)

Australia's AML/CTF reform: a plain-English summary of the new anti-money-laundering obligations and what affected busin

Why Good Bookkeeping Matters: Audits, ATO Scrutiny and

What actually happens in an ATO audit, what directors can be personally liable for, and why accurate bookkeeping is the

Cash Flow, Margins & CFO

24 articles

Cash flow forecasting, margins, profit and fractional CFO advisory.

10 Signs You Need a Fractional CFO, Not Just a Bookkeeper

Ten signs your Australian business has outgrown compliance bookkeeping and needs forecasting, scenario modelling, and st

5 KPIs Every Australia Service Business Should Track Monthly

Revenue tells you what came in. These five KPIs tell an Australian service business owner whether the business is actual

Australia Post Undercharges Plague Small Businesses, Squeezing Margins

Small businesses are struggling with Australia Post's 'underpaid postage' fees, leading to squeezed margins and administ

Australia Post Underpaid Postage Fees Squeezing Small Business Profits

Small businesses are struggling with rising 'underpaid postage' fees from Australia Post, impacting their profit margins

Beating the Feast-and-Famine Cycle as a Consultant

How Australia consultants can smooth out feast-and-famine cash flow with better forecasting and bookkeeping habits.

Bookkeeper vs Fractional CFO: What Each Actually Does

A bookkeeper and a fractional CFO solve different problems. How Australia growing businesses should think about which on

Bookkeeping for Builders in Australia: Progress Claims, Subbies and Cash Flow

Specialist bookkeeping for Australian builders: progress claims, retentions, subcontractor payments and TPAR, work in pr

Cash Flow Forecasting for Australian Small Business: A Practical Guide

A practical guide to cash flow forecasting for Australian small business: what it is, how to build a rolling 13-week for

Cash Flow Management Tools for Small Service Businesses: What Actually Works

A practical, honest comparison of cash flow management tools for small Australian service businesses, what each type of

Cost Recovery and Reporting Under Defence Contracts

How cost recovery actually works under a defence contract, what counts as a recoverable cost, and how Australia subcontr

Fathom Reporting vs Spreadsheets: Which Is Better for Small Business?

Fathom reporting vs spreadsheets for small business. What each does well, where spreadsheets cost you, and how to choose

Gross Margin vs Net Margin

A business can have great gross margins and terrible net margins, or vice versa. Here's what each one means, why they mo

Gross Profit Margin vs Net Profit Margin: What Every Australian Business Owner Needs to Track

You’re making sales, paying your bills, and keeping the lights on. But do you actually know if your business is profitab

How to Improve Profit Margins for Small Business in

Revenue growing but profit isn't? Here's how to find where your margins are leaking, and the practical changes that actu

How to Plan for Profit as an Australian Small Business Owner

Revenue growing but profit isn't following? Here's how Australian small business owners set profit targets, calculate br

How to Read Your Business Margin Report

How to read a business margin report in plain English: key sections, gross vs net margin, spotting a declining margin, f

KPIs Every Service Business Should Track

Revenue is not a KPI. Here are the 8 financial and operational KPIs that actually tell you whether a service business is

Law Firm KPIs in Australia: Revenue Per Partner, Realisation and Lock-Up

The financial KPIs that actually tell an Australian law firm whether it is profitable: revenue per partner and fee earne

Monthly Automated Financial Reporting for Australian Small Business Owners

Learn how Australian small business owners use automated monthly reporting in Xero to track cash flow, GST and profit wi

Printify for Print-on-Demand: Syncing Costs to Xero and Tracking Real Margin

How bookkeepers actually reconcile Printify costs into Xero, how to track real margin per product rather than guessing,

Small Business Spotlight: How Apex Tuition Cut Write-Offs From 5% to Under 0.5%

Our first Small Business Spotlight: Max, founder of Apex Tuition, on fixing the cash collection problem that was writing

Understanding Your Profit & Loss Statement

Your P&L tells you more than just profit. Here's how to read it properly, what each line means, what good ratios look li

What Is Cash Flow Management? A Guide for Australian Small Businesses

Cash flow management explained for Australian small businesses: what it is, why it matters more than profit, and practic

Working Back From Your Profit Target

Start with the profit you want, not the revenue you hope for. Here's how to reverse-engineer your pricing, capacity, and

Bookkeeping, Xero & Software

95 articles

Xero, software comparisons, apps and outsourced bookkeeping.

10 Signs Your Bookkeeper Isn't Helping You Grow

If your bookkeeper is managing your past but not building your future, these 10 signs will tell you. For Australia servi

Accounting Software for Small Business: Which One Works for You?

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Bookkeeping Services in Australia: What’s Included, What They Cost, and How to Choose

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Contact Us

Contact True Tally Bookkeeping: phone 0468 159 950, email info@truetally.com.au, or book a free discovery call. National

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Privacy Policy

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