Rural Money Matters

102. MOMENTUM: Why your bookkeeping feels harder than it should

EJS Business Services — Thu, 11 Jun 2026 03:17:24 GMT

Why Your Bookkeeping Feels Harder Than It Should - And What to Do About It

If your bookkeeping feels like it's always one step away from spiralling out of control, this episode is for you.

Emily gets real about why bookkeeping is genuinely hard - especially when you're running a rural business, juggling multiple enterprises, and doing absolutely everything yourself. Spoiler: it's not a you problem.

In this episode, Emily covers:

Why bookkeeping isn't supposed to be easy (and why you can stop beating yourself up about it)
The "I'll catch up later" trap - and why it keeps biting you
How managing multiple enterprises and wearing all the hats makes everything more complicated
Simple habits that take the chaos out of your weekly and monthly finances
Getting past the confidence gap so you can actually trust your numbers
Breaking the panic cycle that hits every time BAS or a cash flow crunch rolls around
Why the right system is one you understand and actually use - not the fanciest one
How outsourcing the right things can free up serious mental and time headspace

Whether you're drowning in receipts or just dreading opening your accounting software, this one's worth a listen.

Ready to make bookkeeping less painful? Book a call with Emily to find a solution that actually fits your business.

Leading change in rural business with Bec Martin

EJS Business Services — Wed, 20 May 2026 20:30:00 GMT

Many rural women are leading every single day without ever calling themselves leaders. They are managing teams, family businesses, farm operations, finances, and relationships all at once. But without a clear understanding of their own strengths, that leadership can feel exhausting, uncertain, and easy to underestimate.

In this episode, Emily is joined by Bec Martin of Everbold Ventures, a strengths-based leadership coach who works with women in male-dominated and complex environments, including agriculture, construction, and mining. Bec brings lived experience from 12 years in the construction industry and now works with rural and remote women to help them lead with clarity, confidence, and authenticity.

This is a practical, honest conversation about what leadership actually looks like in a rural business, and how to lead change without losing yourself in the process.

What you will hear in this episode:

Why leadership is not about titles, and how most rural women are already leading without realising it
How a strengths-based approach builds genuine confidence, not a performance of it
Why navigating change in multi-generational family businesses starts with getting everyone at the table
The difference between leading with the what and leading with the why, and why it changes everything
Early warning signs that a team or family is out of alignment, and what to do about it
How to stop overextending and start directing your attention to where you add the most value

Bec's one piece of advice for every rural business owner this year: sit down and work out your top five strengths. It is where everything else begins.

Connect with Bec Martin:

Website: www.everboldventures.com.au
Instagram, LinkedIn and Facebook: search Everbold Ventures

100. MOMENTUM 100 Episodes, 100 Lessons Money, mindset & rural business

EJS Business Services — Wed, 13 May 2026 23:36:28 GMT

One hundred episodes. It is a milestone worth stopping for.
In this special episode, Emily reflects on the biggest lessons learned across 100 episodes of Rural Money Matters - covering money, mindset, and what it really takes to run a thriving rural business.

From bookkeeping basics to Profit First breakthroughs. From the juggle of farm office life to the realities of running a rural family business. From the moments of doubt to the clarity that comes from strong systems.

This episode covers the mindset shifts that changed everything, why clarity matters more than complexity, the money habits that create real momentum, the biggest mistakes rural business owners make and how to avoid them, and the lessons clients, listeners, and her own team have taught Emily along the way.

Whether you have been here from the beginning or you are brand new, this episode will leave you with fresh perspective, more confidence in your numbers, and a clear sense of what is possible in the next season of your business.

Here is to the first 100 - and to the momentum ahead.

32. Business, Family & Self Care - Integrating the three sides of entrepreneurship with Donna Hann

EJS Business Services — Wed, 29 Nov 2023 19:30:00 GMT

In this episode Emily chat's with Donna Hann about effectively integrating business, family and self care into our lives. Donna is a certified high-performance coach and business educator on a mission to unleash the potential of Australian regional business women. Tune in to hear Donna's invaluable tips!

Link for the 2024 Business Planning Template is: https://www.donnahann.com/2024planner

The Regional Business Women's Membership - Soaring to Success

www.donnahann.com/success
hello@donnahann.com
www.donnahann.com
@donnahann_coach
She's in Business Podcast

2. 8 Common Bookkeeping Mistakes

EJS Business Services — Sat, 25 Sep 2021 06:44:08 GMT

In this episode I discuss 8 common mistakes rural businesses are making with their bookkeeping. Tune in to find out what they are!

56. Farming Finances: Nurturing Your Family Business with Strategic Meetings

EJS Business Services — Wed, 26 Jun 2024 20:30:00 GMT

A crucial aspect of running a successful family farm business is strategic financial meetings. These meetings can help nurture your family business and ensure its long-term success.

Tune in to this episode for lots of tips and helpful advice about strategic meetings.

WEBSITE: https://www.ejsbusinessservices.com
LINKEDIN: https://www.linkedin.com/company/ejsbusinessservices/
INSTAGRAM: https://www.instagram.com/ejsbusinessservices/
FACEBOOK: https://www.facebook.com/ejsbusinessservices/

97. Farm smarter, not harder — profit, people, and purpose with Mel Kiel

EJS Business Services — Wed, 15 Oct 2025 19:30:00 GMT

This week on Rural Money Matters, Emily chats with Mel Kiel, a Yeoval-based farmer, businesswoman, and KLR mentor who knows that success in agriculture isn’t about working harder - it’s about working smarter.

Mel shares how building strong business systems, surrounding yourself with the right financial team, and approaching livestock trading strategically can transform your business performance and peace of mind.

From lessons learned through tough seasons to the mindset shifts behind profitable cattle trading, this conversation is packed with practical insights for every rural business owner who wants to farm with more clarity, confidence, and control.

🎧 Tune in to discover how better systems, smarter decisions, and stronger support can help you build a more profitable and balanced rural business.

https://au.linkedin.com/in/mel-kiel-a4b729277
https://klrmarketing.com.au/

👉 Find out more about how our team can support your business at www.ejsbusinessservices.com
or call 1300 857 263.
👉 Follow us on socials: @ejsbusinessservices

24. Why Profit First is not just for the profitable businesses in agriculture

EJS Business Services — Wed, 27 Sep 2023 20:30:00 GMT

Profit First is only for profitable businesses isn't it? NO! Listen in to find out why!

Connect with us:

18. Outsourcing your bookkeeping - the why & how!

EJS Business Services — Wed, 26 Apr 2023 20:30:00 GMT

Bookkeeping can be a time-consuming and complex task for small business owners. It is essential to keep track of finances, expenses, and profits to run a successful business. However, managing bookkeeping in-house can take up valuable time and resources that could be better spent on other important aspects of your business. Listen in to find out why outsourcing your bookkeeping is beneficial and how to get started with outsourcing!

6. Remote work opportunities with The Virtual Cooee

EJS Business Services — Sun, 06 Nov 2022 20:30:00 GMT

In this episode Libby Roesner and Emily Sinderberry (co-founders of The Virtual Cooee) discuss the opportunities that remote working presents for rural and regional Australian women. They also discuss how businesses across Australia can access virtual assistants who understand their industry and business needs.

http://www.thevirtualcooee.com.au/

http://www.hub.thevirtualcooee.com.au/

87. Deductions 101: What can you claim before EOFY?

EJS Business Services — Wed, 21 May 2025 20:30:00 GMT

EOFY is fast approaching, and if you're unsure what you can claim as a deduction, you're not alone. This episode of The Rural Bookkeeping Podcast breaks down the essential deductions small and rural businesses can consider before 30 June - and how to do it right.

We’ll walk through:
✅ Common and often-missed deductions you might be eligible for
✅ Prepaying expenses and how it works
✅ What to do before you make EOFY purchases
✅ How to claim business use of personal assets
✅ Why your records matter more than ever

Whether you're in the paddock or the office, this episode will help you make smart, strategic decisions before the financial year wraps up.

47. Mastering Your Money: An Introduction to Financial Planning with Tania Powick

EJS Business Services — Wed, 24 Apr 2024 20:30:00 GMT

Are you unsure about financial planning and if now is the right time to get financial advice? Listen to this conversation between Tania Powick from Coastal Wealth Directions and Emily as they discuss all things financial planning!

Connect with Tania here:

Website: https://www.coastalwealthdirections.com.au/
Phone: (02) 6563 1635
Email: admin@coastalwealthdirections.com.au

11. Accounting vs. Bookkeeping

EJS Business Services — Thu, 19 Jan 2023 19:30:00 GMT

We're often asked what is the difference between bookkeeping and accounting?

Bookkeeping and accounting are related but they are separate disciplines within the field of finance.

Listen in to learn more about the difference!

99. MOMENTUM: Where your money is really going

EJS Business Services — Wed, 19 Nov 2025 19:30:00 GMT

Ever feel like money disappears the moment it hits your account? In this episode, we’ll break down the hidden drains on your business finances and show you how to track and understand your spending in a way that actually makes sense. No jargon. No judgement. Just simple insights to help you see where your money is going - and make sure it’s going where it should.

👉 Learn more at www.ejsbusinessservices.com

📞 Call 1300 857 263
📲 Follow @ejsbusinessservices

90. Springing into a fresh start: Why Rural Money Matters (and why now)

EJS Business Services — Sun, 31 Aug 2025 20:30:00 GMT

Welcome to the very first episode of Rural Money Matters! 🎉

Formerly The Rural Bookkeeping Podcast, this new season is all about helping rural business owners gain clarity, confidence, and control over their money.

In this episode, I share:
🌱 Why the rebrand and my personal journey
🌱 The vision for Rural Money Matters
🌱 Signs it might be time to give your finances a spring refresh - like when BAS deadlines sneak up, reports don’t make sense, or there’s never enough left to pay yourself.

It’s time to make your money work for you - not the other way around.

👉 Visit www.ejsbusinessservices.com
📞 Call 1300 857 263
📲 Follow us @ejsbusinessservices

86. Cash Flow Confidence: Preparing for EOFY without the panic

EJS Business Services — Wed, 14 May 2025 20:30:00 GMT

EOFY can be a stressful time - but it doesn’t have to be. The secret to navigating it calmly and confidently? Cash flow clarity.

In this episode of The Rural Bookkeeping Podcast, we unpack how to get on top of your cash before June 30 hits, so you can make smart decisions, avoid last-minute scrambles, and set yourself up for a stronger new financial year.

We’ll also break down one of the most misunderstood topics in financial planning: the difference between a budget and a cash flow forecast, and how using both together can transform how you manage your business finances.

If you want to breathe a little easier this EOFY, this episode is for you.

82. Know Your Numbers: The key to strategic growth in your business

EJS Business Services — Wed, 16 Apr 2025 20:30:00 GMT

If you want to grow your business with intention - not guesswork - you need to start by knowing your numbers. In this episode of The Rural Bookkeeping Podcast, we’re digging into the numbers that matter and how understanding them can unlock strategic growth in your business.

Whether you're running a farm, a rural service business, or juggling both with family life, your numbers hold the answers to better decisions, better cash flow, and less stress.

In this episode, we cover:
- What it really means to "know your numbers"
- Why checking your bank balance isn’t enough
- Key reports and metrics to start reviewing regularly
- How numbers support business growth (not just compliance!)
- Tips to build confidence with your financials

No jargon—just practical tips to help you take control of your finances and grow your rural business with confidence.

78. My Company's money is my money ... isn't it?

EJS Business Services — Wed, 19 Mar 2025 19:30:00 GMT

Spoiler alert: Not exactly! If you own a company, it’s crucial to understand that your business’s money is NOT your personal piggy bank.

In this episode of The Rural Bookkeeping Podcast, we’re breaking down:
✅ What it means to run a company as a separate legal entity
✅ Why you can’t just dip into business funds like a personal ATM
✅ The risks of taking money from your company incorrectly
✅ How to properly pay yourself as a business owner

Mixing personal and business finances can lead to tax headaches, compliance issues, and even legal trouble. But don’t worry—we’ll walk you through the right way to structure your income and ensure you’re paying yourself fairly while staying compliant!

If you’ve ever thought, “It’s my company, so I can spend the money how I want”—this episode is a must-listen!

Disclaimer: This is not specific tax or accounting advice. This information is general in nature. You should seek specific advice for your situation from an accountant or tax agent.

73. AI in Agriculture with Julie Humphris

EJS Business Services — Wed, 12 Feb 2025 19:30:00 GMT

Artificial Intelligence (AI) isn’t just for big corporations—it’s transforming rural businesses too! From automating tasks to improving decision-making, AI can save time, reduce costs, and increase efficiency in ways many rural business owners haven’t explored yet.

In this episode of The Rural Bookkeeping Podcast with Julie Humphris, we break down how AI is already making an impact in rural businesses and how you might be able to leverage it in your business and life.

Julie Humphris is a dynamic and highly skilled business life coach and advisor who brings a wealth of experience from both the corporate and agricultural sectors. As the owner of a successful farming business and a thriving business coaching practice, she combines hands-on business expertise with strategic insight to help entrepreneurs and business owners achieve sustainable growth and success.
Known for her engaging presentations and results-driven coaching style, Julie empowers her clients with practical strategies, clarity, and confidence to navigate challenges and maximise opportunities in their businesses.

You can find out more about Julie at juliehumphris.com.au as well as links to her socials. She is also happy for you to send her a txt or give her a call to chat all things business on 0439001992.

Julie has kindly designed a free AI Commands ebook for all our podcast listeners, email or message her socials to receive a copy.

Julie has also created an amazing and exclusive offer for her highly successful 12 month Business Owner Wellness Support Program for you for only $399!! (normally $1200)

At that price there’s no reason to not jump in!!

And don't forget if you want more business advisory help and guidance with everything from business plans, digital spaces, marketing and all things business you can sign up for free business sessions! Register through this link or call Julie directly.

https://mybusiness.service.nsw.gov.au/business-connect/advisors/bhbfg17ned

68. Cheers to Bookkeepers: Spotlighting their vital role in rural businesses

EJS Business Services — Wed, 13 Nov 2024 19:30:00 GMT

In celebration of Global Bookkeeping Week, we’re shining a spotlight on the unsung heroes of rural businesses—our incredible bookkeepers! In this episode, we’re diving deep into the vital role bookkeepers play in keeping rural businesses running smoothly and profitably.

From tracking daily finances and ensuring compliance with ATO regulations, to offering invaluable insights into cash flow and profitability, bookkeepers are the backbone of financial success.

Tune in to learn how your bookkeeper can support your goals, save you time, and bring clarity to your finances, so you can focus on what matters most. Cheers to the bookkeepers!

Find out more about The Rural Growth Collective here: https://www.ejsbusinessservices.com/rural-growth-collective

61. Bookkeeping for Financed Assets: Get it right to avoid costly mistakes

EJS Business Services — Wed, 21 Aug 2024 20:30:00 GMT

Are you managing financed assets in your rural business?

In this episode of "The Rural Bookkeeping Podcast," we delve into the crucial details of bookkeeping for financed assets. Discover why accurate accounting for asset costs, loan liabilities, and borrowing costs is essential for your financial health. We'll guide you through the steps to properly record these transactions, highlight common mistakes to avoid, and share tips for maintaining accuracy.

Tune in to learn:

- What financed assets are and why they matter.
- How to correctly record asset costs, loan liabilities, and borrowing costs.
- The importance of accurate bookkeeping for financial reporting and tax implications.
- Practical tips to avoid costly mistakes and ensure accurate records.

Don't let bookkeeping errors cost you thousands in missed GST claims. Whether you're dealing with farm equipment, vehicles, or machinery, this episode provides the insights and advice you need to keep your finances in check. Remember, if you're unsure, seeking professional advice is always a wise investment.

Listen now and ensure your business's financial success with proper bookkeeping for financed assets!

52. Why you shouldn’t hire a VA to do your bookkeeping

EJS Business Services — Wed, 29 May 2024 20:30:00 GMT

A VA and a bookkeeper are NOT the same! Tune in to this episode to learn about the differences and why working with a professional bookkeeper will be far more beneficial for your business.

48. Dream to Reality: Igniting Entrepreneurial Spirit with Mel Daniels

EJS Business Services — Wed, 01 May 2024 20:30:00 GMT

In this episode, Emily and guest speaker Mel Daniels from Meld Business Services chat about all things starting a business, following your dreams and purpose, and the importance of community. Tune in for fantastic advice and inspiration!

Connect with Mel here:
Website: https://www.meldbusinessservices.com.au/
Email: hello@meldbusinessservices.com.au
The Powerful Content Podcast: https://www.meldbusinessservices.com.au/powerfulpodcast/
Learn more about The Content Effect Membership here: https://meldbusiness.mykajabi.com/thecontenteffect

37. Demystifying the world of business coaching with Julie Humphris, and exploring the Digital Solutions Program

EJS Business Services — Wed, 14 Feb 2024 19:30:00 GMT

In this episode, Emily chats with Julie Humphris about all things business coaching and the Digital Solutions program.

Julie's journey into business coaching was born from her firsthand experience as a self-employed bookkeeper and multi-business owner. Having navigated the intricate landscape of managing multiple enterprises, Julie recognised a common challenge among business owners — the overwhelming workload that often led to a loss of focus and enjoyment in their entrepreneurial journey.

In her early days as a self-employed bookkeeper, Julie intimately understood the demands of juggling financial responsibilities while simultaneously running other businesses. This hands-on experience provided her with invaluable insights into the struggles faced by entrepreneurs who found themselves stretched thin and unable to savor the joy of being in business.

Driven by a passion to make a positive impact, Julie transitioned from being solely focused on her businesses to embracing a new role as a business coach. Her mission became clear: to guide and support fellow entrepreneurs through the challenges of workload overwhelm, offering strategies to regain focus, rediscover passion, and ultimately find joy in their business endeavors.

Julie's unique approach to coaching is deeply rooted in empathy and a profound understanding of the day-to-day realities that entrepreneurs face. Drawing from her own journey, she developed programs that not only address the practical aspects of business management but also emphasize the importance of holistic well-being. Through her coaching, Julie empowers business owners to not only excel in their professional lives but also to enjoy the journey, fostering a sense of fulfillment and satisfaction in their entrepreneurial endeavors.

Today, Julie's coaching is a testament to her commitment to helping others break free from the shackles of overwhelm, guiding them towards a more balanced and enjoyable entrepreneurial experience. Her story is one of transformation, resilience, and a genuine desire to uplift others in their business journeys

Tune in to find out more!

Website: www.juliehumphrislifecoaching.com.au
Email: juliehumphrislifecoaching@gmail.com

Julie is offering a discount on her 7-week program when you mention this podcast. Normally $699 but on special for our listeners at $499 - Valid until March 2024.

The Free Worksheet mentioned when you email Julie is a Project check-in sheet.

ASBAS Digital Solutions program link to register

35. Paying contractors; things to consider

EJS Business Services — Wed, 20 Dec 2023 19:30:00 GMT

There's more to just 'paying a contractor.' In this episode Emily dives into a few things to consider when paying contractors in your business.

Connect with us:

30. Leveraging Technology for rural businesses

EJS Business Services — Wed, 08 Nov 2023 19:30:00 GMT

Technology can make or break us! We've got to be strategic about what tech we choose to implement. Tune in to hear my key learning from October and how we can consider leveraging technology in our businesses.

Connect with us:

17. Aligning business strategy & profit plans

EJS Business Services — Thu, 30 Mar 2023 19:30:00 GMT

Running a successful business involves making informed decisions that support long-term goals while maintaining profitability. This requires aligning business strategy and profit plans to ensure that the business stays on track with its mission. Tune in to hear some tips about aligning your business strategy and profit plans!

15. Tips to make BAS time a breeze

EJS Business Services — Tue, 14 Mar 2023 19:30:00 GMT

Preparing and filing your BAS doesn’t have to be a stressful experience. With a little organisation and planning, you can make BAS time a breeze. Listen in to find out how!

7. Tips for juggling all our commitments with Tori Kopke

EJS Business Services — Sun, 13 Nov 2022 19:30:00 GMT

Tori Kopke joins Emily in this episode to discuss tips for juggling business, rural life, motherhood and everything else we take on. We also dive into the importance of having a strong online presence and owning your niche! The Hub for Rural Business Women:

https://www.facebook.com/groups/390255915030588/ https://www.thepowerproject.com.au/

Check out Tori's Mastermind here: https://www.thepowerproject.com.au/thepowerproject

4. 5 Benefits of Lodging with a BAS Agent That Will Save You Sleep!

EJS Business Services — Thu, 10 Mar 2022 00:00:00 GMT

Do you know why your BAS agent charges a lodgement fee? Here's 5 reasons why you should lodge with a BAS agent! Get back your sleep time!

14. Understanding key financial reports for your business

EJS Business Services — Thu, 09 Mar 2023 19:30:00 GMT

Understanding the key financial reports that can help you make informed decisions about your business is essential for any business owner. The Profit and Loss report, Balance Sheet and Cash Flow Statement provide insights into the financial health of your business, and can help you identify areas for improvement and growth.

13. Systemising your business to streamline processes

EJS Business Services — Sun, 05 Mar 2023 19:30:00 GMT

As a business owner, you know that running a business can be chaotic and overwhelming at times. It's easy to feel like you're constantly putting out fires. However, one way to make your life easier and your business more efficient is by systemising your business.

Listen in for our tips on how to systemise your business!

9. HR tips for approaching delegation, attracting and retaining staff, and workplace culture with Hareta McMullin

EJS Business Services — Sun, 27 Nov 2022 19:30:00 GMT

Hareta is a leadership mentor and employee experience strategist, shaking up the way we think and feel about HR. She founded Third Space People to help businesses create epic places to work, by developing confident leaders and reimagining the employee experience. She partners with the purpose-led, the forward-thinkers and the difference-makers to create human-shaped cultures that make a ding in the world. Hareta has featured on panels with the likes of LinkedIn Learning, and in Australian media publications such as Smart Company, Women's Agenda, Australian Financial Review and HRD Magazine.

Nailing delegation free resource:

https://www.thirdspacepeople.com/nailing-delegation

Website: https://thirdspacepeople.com

Instagram: https://www.instagram.com/third_space

LinkedIn: www.linkedin.com/in/hareta-mcmullin

Recommendations:

Georgia Murch’s Fixing Feedback Book: https://georgiamurch.com/product/fixing-feedback/

Simon Sinek: https://simonsinek.com/

31. 5 Steps to create a household budget with Jodi Porteous

EJS Business Services — Wed, 15 Nov 2023 19:30:00 GMT

Jodi Porteous is a Money Management Coach at Intentional Money Management. Jodi teaches a mix of practical skills, mindset skills and uses her love of teaching and sharing knowledge to help clients set up their own 1 page money plan, that's easy to tweak when circumstances change. Jodi talks us through her 5 steps to create a household budget as well as how you can cut costs without giving up the things you love. Tune in to hear Jodi's tips!

Connect with Jodi here: https://www.intentionalmoney.com.au/
or on Facebook: https://www.facebook.com/JPMoneyCoach/
Learn more about the Money Matters Coffee Club here: https://intentionalmoney.com.au/money-matters-coffee-club

www.ejsbusinessservices.com

19. Quick tip on streamlining your tax time

EJS Business Services — Wed, 26 Jul 2023 20:30:00 GMT

Listen in for a few quick tips about how to streamline your tax time for a stress free end of year!

41. Cash Flow Sin 2: Ignoring your expenses

EJS Business Services — Wed, 20 Mar 2024 19:30:00 GMT

Are you ignoring expenses in your business? This is cashflow sin #2 and Emily explores expense management in this episode. Tune in to learn more!

34. Keep festive figures at bay this Christmas time

EJS Business Services — Wed, 13 Dec 2023 19:30:00 GMT

Gifting at Christmas time is not as simple and buying and giving a gift. There are a whole range of consequences we need to consider from Fringe Benefits Tax, Tax Deductibility and GST. This episode may make you reconsider the gifts you'll give this year!

Connect with us:

33. The Importance of Strong Relationships between Your Bookkeeper, Accountant, and You

EJS Business Services — Wed, 06 Dec 2023 19:30:00 GMT

A key driver to financial success in our businesses is having strong relationships in our finance team. The team could be made up of yourself, a bookkeeper, accountant, financial planner, bank manager etc.

Tune in to gain an understanding of the importance of strong relationships!

Connect with us:

44. Cash Flow Sin 5: Poor stock management

EJS Business Services — Wed, 03 Apr 2024 19:30:00 GMT

Paying for dead stock on the shelf will kill your business, so keep it moving or pay the price! This also applies to agriculture and unproductive livestock etc. Tune in for some great insights about stock management!

27. 6 Essential accounting terms for small businesses

EJS Business Services — Wed, 18 Oct 2023 19:30:00 GMT

Do you struggle to understand what your accountant is saying? Here are 6 essential accounting terms you should be aware of! Tune in to find out.

Connect with us:

43. Cash Flow Sin 4: Ignoring the gap between payables and receivables

EJS Business Services — Mon, 01 Apr 2024 19:30:00 GMT

Mind the gap between payable and receivables or you could fall into another costly cash flow sin. Learn more by listening in on your favourite podcast app.

21. What is a Chart of Accounts?

EJS Business Services — Wed, 09 Aug 2023 20:30:00 GMT

Whether you're a small business owner, or a seasoned financial professional, understanding the concept of a Chart of Accounts is crucial for managing your business's finances effectively.

Tune in to learn about what a Chart of Accounts is and some hot tips for ensuring it works for you!

22. The power of asking questions for ag business success

EJS Business Services — Wed, 13 Sep 2023 20:30:00 GMT

In our dynamic and ever-evolving world, the key to success isn't just in the hard work we put in, but in the questions we ask. Curiosity isn't just a trait for the curious; it's an invaluable tool that can shape the trajectory of our ag businesses! Listen in to learn more about the power of asking questions!

Connect with us:

20. 11 things to do to improve cash flow

EJS Business Services — Wed, 02 Aug 2023 20:30:00 GMT

As any business owner knows, maintaining smooth cash flow requires juggling nearly every facet of a business, from staying on top of accounts receivable, to extending lines of credit, to managing inventory/stock on hand. The essence of successful cash flow management is regulating the money flowing in and out of your business. Increasing your cash flow reduces the amount of fixed capital that you need to support the given level of your business. An increased, consistent cash flow also creates a predictable business pattern, making it easier to plan and budget for future growth.

Listen in to find out 11 things you can do to improve your cash flow!

Download your free guide here of the tips covered in the episode: https://www.ejsbusinessservices.com/11thingstoimprovecashflow

Disclaimer: this episode does not contain financial advice. All information is general in nature and you should seek professional support specific for your business before taking action on any of the tips discussed in this episode.

57. The Power of Profitability: Increasing Margins in Your Rural Business

EJS Business Services — Wed, 03 Jul 2024 20:30:00 GMT

In this insightful episode of "The Rural Bookkeeping Podcast," we explore the critical topic of profitability and how rural businesses can increase their margins. Whether you're involved in broadacre dryland cropping, intensive livestock farming, agribusiness services, or retail, we've got strategies to help boost your profitability and ensure long-term success.

85. Beyond the Books: Strategic business planning before EOFY

EJS Business Services — Wed, 07 May 2025 20:30:00 GMT

EOFY isn’t just about tax - it’s the perfect time to pause, reflect, and plan for a better year ahead. In this episode of The Rural Bookkeeping Podcast, we explore how our Business Dive Workshop can help you turn your numbers and insights into meaningful strategy - so you can build the business and life you truly want.

We’ll walk through the key areas we cover in the workshop and why now is the best time to book your session - before EOFY arrives. It’s not just about closing out the year... it’s about getting ahead of the next one.

Whether you need more profit, less overwhelm, or a plan to exit down the track, this episode will inspire you to be more proactive, more confident, and more strategic.

84. EOFY is Coming: Get your books in order now!

EJS Business Services — Wed, 30 Apr 2025 20:30:00 GMT

The end of the financial year is just around the corner, and that means it's time to get your books in order - before the stress hits. Whether you’ve kept up all year or you’re staring down a backlog, now is the time to catch up, clean up, and prepare.

In this episode of The Rural Bookkeeping Podcast, we’ll guide you through exactly what to do now to make EOFY less overwhelming and more empowering.

You’ll learn:
✅ What you need to tidy up in your Xero or accounting software
✅ The key reports to review before meeting with your accountant or tax agent
✅ How to handle missing data, messy bank feeds, or reconciling issues
✅ Why EOFY is more than just a compliance deadline - it’s a chance to plan ahead
✅ What support options are available if you feel behind or overwhelmed

Tune in and take the first step toward a smoother, smarter end of financial year.

55. Purchasing strategies for Ag businesses with Carmen Quade

EJS Business Services — Wed, 19 Jun 2024 20:30:00 GMT

Do you ever get bills for your farm and wonder who got them or what it was for? Purchasing on credit accounts for ag businesses can cause many issues in the office! In this episode Carmen Quade and Emily discuss purchasing strategies for ag businesses including best practice tips, purchase control systems and so much more! Tune in to hear some great tips about managing your credit accounts!

Carmen's blog article: https://agrifocused.com.au/who-got-that-bearing-and-what-was-it-for/

53. Strategies for managing Tax Office debt

EJS Business Services — Wed, 05 Jun 2024 20:30:00 GMT

Today's topic is one that can be a significant source of stress for many rural business owners: managing debt with the tax office. With interest rates on overdue tax debts exceeding 12%, it's crucial to have effective strategies in place. Tune in to hear strategies that you can implement today to help!

46. Cash Flow Sin 7: Allowing owner drawings to exceed profit

EJS Business Services — Wed, 17 Apr 2024 20:30:00 GMT

To wrap up our mini series of the 7 Deadly Cash Flow Sins for Businesses, in this episode Emily talks about how allowing owner drawings to exceed profit will cause issues in your business.

10. Profit First - A Cashflow Management System

EJS Business Services — Tue, 20 Dec 2022 19:30:00 GMT

In this episode, Emily explores a cashflow management system called Profit First. It's a behaviour based system that works! Listen in to find out more!

If you'd like to have a chat about this system for your business, please reach out to Emily via message on social media - @ejsbusinessservices or via email admin@ejsbusinessservices.com.au

65. eInvoicing: A quick summary of what it is and why to use it

EJS Business Services — Wed, 23 Oct 2024 19:30:00 GMT

In this episode, we dive into the world of eInvoicing and the upcoming changes from Xero.With the Peppol network set to automatically enroll users in November, it's essential to understand what this means for your business.

I’ll walk you through the basics of eInvoicing and the benefits it offers.

Tune in to learn more about eInvoicing!

https://www.ato.gov.au/businesses-and-organisations/einvoicing/what-is-einvoicing

https://www.xero.com/au/accounting-software/send-invoices/e-invoicing-software/

67. Mastering the Juggle: Balancing life and business priorities during busy seasons

EJS Business Services — Wed, 06 Nov 2024 19:30:00 GMT

In this episode, we're diving into practical strategies to help you stay on top of your priorities when life and business reach peak chaos. As Australian rural women managing everything from farm office bookkeeping to family schedules, end-of-year school activities, and harvest duties, we know there's no shortage of demands on your time and energy.

Join us as we explore how to focus on key tasks during intense periods and create a plan to catch up on the rest when things settle down. You’ll hear time-saving tips, ideas for setting healthy boundaries, and simple reminders to keep a balanced mindset.

Tune in for strategies to handle the juggle, keep your priorities on track, and approach your busiest seasons with confidence.

Download worksheet here: https://www.ejsbusinessservices.com/checklist

62. Seamlessly Switching: A guide to changing your bookkeeping system

EJS Business Services — Wed, 04 Sep 2024 20:30:00 GMT

Thinking about switching your bookkeeping system but not sure where to start? In this episode of "The Rural Bookkeeping Podcast," we break down the process of transitioning from one bookkeeping system to another.

Whether you're upgrading to a more robust platform or simply looking for a better fit for your business, this episode will guide you through the key steps to ensure a smooth transition. We’ll cover who should be involved in the process, important tips to keep in mind, and common pitfalls to avoid.

Get ready to make the switch with confidence, knowing your financial data is in good hands!

63. Breaking Barriers: Getting help in the office when your partner resists change

EJS Business Services — Wed, 25 Sep 2024 20:30:00 GMT

Many rural businesses struggle with growing pains when it comes to managing their office workload. Sometimes, the challenge isn’t finding the right help but navigating resistance from a partner who may be uncomfortable with change or hesitant to share financial details with a third party.

In this episode, we explore why this happens, how to address concerns, and practical tips for opening the door to outside support without creating tension. Whether you're the one seeking help or the one holding back, this episode offers valuable insights for fostering better communication and growth in your business.

64. Designing Your Financial Roadmap: Crafting a money goal strategy for success

EJS Business Services — Wed, 16 Oct 2024 19:30:00 GMT

In this episode, we’ll dive into the steps you need to create a clear and actionable money goal strategy that aligns with your personal and business goals. Whether you’re looking to build more financial freedom, expand your farm business, or simply feel more in control of your finances, this episode is for you! I’ll walk you through the exact process to set realistic goals and create a strategy to achieve them.

Plus, there's a FREE workbook available for download that will help you take actionable steps towards achieving your financial goals.

Ready to take control of your financial future? Tune in and let’s get started!

DOWNLOAD WORKBOOK HERE

Check out The Rural Growth Collective here

66. It's time to face your fears around money! How to conquer your mindset.

EJS Business Services — Wed, 30 Oct 2024 19:30:00 GMT

In this episode, we’re diving deep into the topic of money fears and how to overcome them. From the fear of scarcity to the fear of financial failure, these emotions can hold us back in business and life. I’ll walk you through the common challenges faced by rural business owners and share practical strategies to shift your mindset from fear to confidence.

Learn how to tackle your finances head-on with simple tips like tracking key metrics, scheduling regular financial meetings, and embracing supportive tools and advisors. If you’re ready to stop avoiding and start taking control of your financial future, this episode is for you!

Tune in to discover how to conquer your money mindset and unlock growth in your business.

58. Snowballing Debt: Accelerate your journey to financial freedom

EJS Business Services — Wed, 31 Jul 2024 20:30:00 GMT

Are you struggling with mounting debt and looking for a way out?

In this episode we dive into the concept of debt snowballing and how it can transform your financial situation. Using the Profit First methodology, we'll guide you through the steps to prioritise and pay off your debts quickly and effectively.

Whether you’re dealing with business loans, credit card debt, or personal loans, this episode offers actionable advice to help you regain control of your finances and move towards financial freedom.

Tune in and discover how debt snowballing with Profit First can be your fast track to a debt-free future!

Listen now and start your journey to financial freedom!

54. The law that leaves you short on time and money

EJS Business Services — Wed, 12 Jun 2024 20:30:00 GMT

Feeling like you're always short on time and money?

In this episode we dive into Parkinson's Law and how it affects your business. Learn how the Profit First method can turn this challenge into an asset, helping you manage your time and finances more effectively. Discover practical tips to take control of your bookkeeping, streamline your tasks, and ensure your rural business thrives.

Don’t miss out—your path to better time management and financial health starts here!

60. Pay Yourself First! The business needs you to!

EJS Business Services — Wed, 14 Aug 2024 20:30:00 GMT

Are you neglecting your own pay as a rural business owner?

In this essential episode of "The Rural Bookkeeping Podcast," we dive into the Profit First principle of paying yourself first. Learn why it's crucial to prioritise paying yourself for the health of both you and your business.

We'll discuss practical strategies to ensure you consistently pay yourself and offer tips to integrate this vital habit into your financial routine.

Tune in and discover why taking care of yourself financially is one of the best moves you can make for your business!

59. Mastering Xero: Time-saving tips and hidden efficiency hacks

EJS Business Services — Wed, 07 Aug 2024 20:30:00 GMT

In this episode Emily reveals time-saving tips and hidden efficiency hacks that will streamline your bookkeeping processes and save you valuable hours each week. Whether you're a Xero newbie or a seasoned user, this episode is packed with actionable insights to help you master this powerful tool and take your rural business to the next level.

Tune in and discover how to work smarter, not harder, with Xero!

51. The role of rural tourism in diversifying income streams

EJS Business Services — Wed, 22 May 2024 20:30:00 GMT

Jacinda Barry runs Carinya Station Farm Stay near Lightning Ridge, NSW and joins Emily in this episode to discuss agritourism and what the farm stay has meant for their business. Jacinda provides lots of insight into the operations of the farm stay and some great tips about how to make it a successful venture!

Connect with Jacinda and learn more about the Carinya Station Farm Stay here: https://carinyastation.com.au/

50. Navigating intergenerational change in farm business management

EJS Business Services — Wed, 15 May 2024 20:30:00 GMT

Navigating the transition of rural business management from one generation to the next can be both challenging and rewarding. In this episode, Emily explores understanding the past, embracing change, tips for transitioning to cloud based systems, communicating with respect, and seeking support and guidance. If you would like help with navigating intergenerational changes, please reach out! We can help!

49. Essential end of financial year tips for business owners

EJS Business Services — Wed, 08 May 2024 20:30:00 GMT

End of financial year is fast approaching! Tune in for essential tips to help you prepare. The end of financial year is an opportunity to review your financial performance and position, maximise deductions, and plan for the future. By taking proactive steps, you can ensure a smooth transition into the new financial year and beyond!

92. Meet Elouise - numbers, nurture, and a touch of sparkle

EJS Business Services — Wed, 10 Sep 2025 20:30:00 GMT

In this episode of Rural Money Matters, we’re pulling back the curtain on one of the incredible women behind the books here at EJS Business Services - Elouise.

Elouise brings a special mix of precision, care, and a little sparkle to everything she does. From keeping the numbers accurate and on track, to nurturing client relationships and helping them feel supported, her role goes far beyond balancing accounts.

We chat about:
✨ Her role at EJS and the strengths she brings to our team
✨ Memorable client stories that show why the details matter
✨ Her tips for managing finances with clarity and confidence
✨ A peek into her life outside the books – fun insights that make her who she is

This conversation is about more than numbers - it’s about the people who make money management less stressful and more empowering for rural business owners.

👉 Find out more about how our team can support your business at www.ejsbusinessservices.com
or call 1300 857 263.
👉 Follow us on socials: @ejsbusinessservices

98. Rewrite Your Money Story – How mindset shapes your rural success

EJS Business Services — Wed, 22 Oct 2025 19:30:00 GMT

In this week’s episode of Rural Money Matters, Emily shares her personal journey of rewriting her money story - and how discovering Profit First completely transformed the way she manages money, both in business and on the farm.

From feeling uncertain and reactive about finances to creating structure, clarity, and confidence, Emily explains why mindset is at the heart of every profitable rural business.

You’ll hear:
🌾 How your money mindset shapes your decisions and results
💰 Emily’s story of implementing Profit First and the impact it had
📈 Why she became a Certified Profit First Professional
🚜 How she’s now using Profit First on her family farm
🤍 The creation of the Rural Profit System to help others do the same

This episode is a mix of practical financial insight and personal reflection - perfect for anyone ready to take control of their money, reduce stress, and create lasting rural success.

🎧 Tune in now and start rewriting your money story.

👉 Learn more at www.ejsbusinessservices.com

📞 Call 1300 857 263
📲 Follow @ejsbusinessservices

96. Meet Stacey - 20 years of accounting wisdom and a fresh chapter with EJS

EJS Business Services — Wed, 08 Oct 2025 19:30:00 GMT

In the final episode of our Behind the Books series, we sit down with Stacey, the newest member of the EJS Business Services team.

Stacey joined us earlier this year, bringing with her over two decades of accounting experience - including as a chartered accountant. In this conversation, she shares her career journey, what’s kept her passionate about accounting for 20 years, and why she chose to step into a new chapter with us.

We also explore Stacey’s perspective on what sets successful businesses apart, the common mistakes she sees across clients, and the difference it makes when you have both a strong bookkeeper and an accountant on your side. Plus, Stacey gives us a glimpse into her life beyond the numbers, sharing the joys and lessons from her transition into this new role.

If you’ve been enjoying our team series, this is the perfect closing chapter - full of wisdom, experience, and fresh insights for rural business owners.

👉 Find out more about how our team can support your business at www.ejsbusinessservices.com
or call 1300 857 263.
👉 Follow us on socials: @ejsbusinessservices

93. Meet Erin - from accounting and family business wisdom to impeccable books

EJS Business Services — Wed, 17 Sep 2025 20:30:00 GMT

In this episode of Rural Money Matters, we’re pulling back the curtain on another incredible member of the EJS Business Services team - Erin.

With a background in accounting and over a decade of hands-on experience running a family business, Erin brings both technical expertise and real-world understanding to her work as a bookkeeper. Known for her “impeccable books,” Erin shares how she blends accuracy with empathy, helping clients get clarity and confidence in their numbers.

We chat about her journey from accounting into rural business life, the lessons she’s learned from working in family business, and the importance of setting up financial systems that truly work for you. Plus, you’ll get a glimpse into Erin’s personality and passions beyond the numbers.

If you’ve ever wondered what it’s like behind the books at EJS Business Services - and how our team’s diverse backgrounds make a difference for clients - this is the episode for you.

👉 Find out more about how our team can support your business at www.ejsbusinessservices.com
or call 1300 857 263.
👉 Follow us on socials: @ejsbusinessservices

89. Sick of Paying Tax? Let’s talk BAS, GST, and managing the cash

EJS Business Services — Wed, 11 Jun 2025 20:30:00 GMT

"GST confuses me and what the hell is BAS? The only thing it’s good for is setting a man back...”
These lyrics from McAlister Kemp’s Blue Collar Night hit home for many rural business owners—and lately, we’ve been hearing it a lot: “I’m just so sick of paying tax.”

In this episode of The Rural Bookkeeping Podcast, we unpack where that frustration is really coming from, what you can do about it, and how strategic cash management through Profit First can ease the stress.

We’ll cover:
✅ What GST and BAS actually are (no jargon!)
✅ Why it feels like you’re always paying huge amounts
✅ How Profit First can help you get ahead of tax stress
✅ The cost of falling behind on your lodgements
✅ Why timely, regular BAS lodgement is good for cash flow - and your sanity

If you’ve ever groaned at your ATO statement or felt overwhelmed by tax bills, this episode is for you.

94. Meet Hayley - navigating change, balance, and bookkeeping with heart

EJS Business Services — Wed, 24 Sep 2025 20:30:00 GMT

In this episode of Rural Money Matters, we introduce you to Hayley Howe, our client service administrator and bookkeeper. You’ll hear how Hayley brings organisation, warmth, and resilience to her role, supporting clients not just with numbers but with the structures and systems that make their businesses run smoother. Plus, we share personal insights into how she adapts, stays grounded, and finds joy in the juggle of rural life.

👉 Find out more about how our team can support your business at www.ejsbusinessservices.com
or call 1300 857 263.
👉 Follow us on socials: @ejsbusinessservices

95. Meet Shereena - from marketing to mastering the books

EJS Business Services — Wed, 01 Oct 2025 20:30:00 GMT

This week, it’s time to meet Shereena, who has been part of the EJS Business Services team for nearly two years. After a career in marketing and events, Shereena made the leap into bookkeeping - and she hasn’t looked back.

In this episode, we explore her journey of career change, the skills she’s carried across from her previous roles, and the common challenges she sees across rural businesses. Shereena shares valuable tips, fresh perspectives, and a dose of real-world experience that will inspire any business owner looking to get more clarity and confidence in their finances.

👉 Find out more about how our team can support your business at www.ejsbusinessservices.com
or call 1300 857 263.
👉 Follow us on socials: @ejsbusinessservices

74. Crafting your team: Why you need both a Bookkeeper and an Accountant

EJS Business Services — Wed, 19 Feb 2025 19:30:00 GMT

Many business owners assume their accountant is the only financial expert they need—but the truth is, a strategic bookkeeper plays a vital and complementary role. In this episode of The Rural Bookkeeping Podcast, we break down the key differences between bookkeepers and accountants and why having both on your team unlocks new levels of financial clarity, compliance, and growth.

From managing your day-to-day numbers and cash flow to ensuring smooth BAS compliance and financial reporting, bookkeepers offer hands-on support that keeps your business running efficiently. Meanwhile, accountants focus on tax planning, financial strategy, and compliance at a higher level.

We’ll also highlight how working with a strategic bookkeeper means you get more than just number-crunching—we help you understand your finances, implement better cash flow systems, and provide real-time insights to improve decision-making.

Tune in to learn how to maximise your financial team and avoid the common mistake of thinking your accountant can (or should) do it all!

70. Business Structures in Rural Enterprises: Pros, Cons, and Key Considerations

EJS Business Services — Wed, 08 Jan 2025 19:30:00 GMT

In this episode of The Rural Bookkeeping Podcast, we’re exploring the main types of business structures—sole trader, partnership, company, and trust—and how each one can impact your rural business. We’ll cover the pros, cons, and key considerations, including liability protection, growth opportunities, and basic tax implications. If you’ve ever wondered whether it’s time to switch structures or you’re curious about which setup might fit your goals, this episode is a great starting point.

Please remember that this is general information—always seek professional legal or tax advice before making changes to your business structure!

79. Tax Planning 101: Why every business needs a strategy (and how bookkeeping helps)

EJS Business Services — Wed, 26 Mar 2025 19:30:00 GMT

Tax planning isn’t just about reducing your tax bill—it’s about being prepared, making informed decisions, and keeping more of your hard-earned money working for you. While I’m not a tax agent and can’t give tax planning advice, I can walk you through why tax planning is so important, what’s involved, and how good bookkeeping and financial strategy set the foundation for smart tax management.

In this episode of The Rural Bookkeeping Podcast, we’ll cover:
✅ The benefits of tax planning—from reducing surprises to improving cash flow
✅ What’s involved in tax planning and how business owners can get ahead
✅ How strategic bookkeeping supports tax planning so you’re not scrambling at year-end
✅ Common mistakes business owners make when it comes to tax and record-keeping

Tax shouldn’t be something you only think about at EOFY—it’s a year-round process that gives you more control over your business finances. Tune in to learn how you can work smarter, not harder, when it comes to tax!

Want support from Emily and her team? Join us for just $49/month in The Rural Growth Collective! Learn more here: https://www.ejsbusinessservices.com/rural-growth-collective

72. Streamlining Employee Reimbursements: Managing receipts with Xero Expenses

EJS Business Services — Wed, 22 Jan 2025 19:30:00 GMT

In this episode of The Rural Bookkeeping Podcast, we’re tackling the often-overlooked process of managing employee reimbursements and receipts—an area that can quickly become time-consuming and chaotic.

We’ll explore how Xero Expenses offers a streamlined solution for rural businesses, covering everything from receipt capture to automated approval workflows.

If you’re looking to cut down on paperwork, eliminate lost receipts, and stay on top of expense claims, this episode is for you!

8. Strategic planning for Agribusinesses with Tim Pilkington

EJS Business Services — Sun, 20 Nov 2022 19:30:00 GMT

In this episode, Tim provides great insight into strategic planning for agribusinesses. We discuss what strategic planning involves, the importance of it for our businesses, and how it can help improve overall decision making. https://southernagmanagement.com.au/

91. Wealth starts in the mind - The Abundant Farmer’s approach

EJS Business Services — Wed, 03 Sep 2025 20:30:00 GMT

Money in farming is never just numbers on a page - it’s emotional, seasonal, and often tied up with our identity and family legacy. That’s why I’m so excited to be joined by Hayley Grosser - The Abundant Farmer.

Hayley is a farmer, mum of three boys, and rural coach who works with farmers beyond the numbers, helping them build a healthier relationship with money, unblock the flow of it in their business, and set themselves up for financial success - all from the mind down.

In this episode, we talk about:
🌱 How to build a great relationship with money
🌱 Shifting from scarcity thinking to an abundant, wealth-focused mindset
🌱 Setting up the flow of money in your business and life so it supports both profit and peace

If you’ve ever felt stressed about money, stuck in feast-or-famine cycles, or overwhelmed by the financial side of your farm business, this conversation is going to be a breath of fresh air.

Find Hayley online:
🌐 Website: www.hayleygrosser.com
📲 Instagram & Facebook: @theabundantfarmer

Work with us at EJS Business Services:
👉 www.ejsbusinessservices.com
📞 Call 1300 857 263
📲 Follow us: @ejsbusinessservices

80. Unlocking your freedom business through strategic planning

EJS Business Services — Wed, 02 Apr 2025 19:30:00 GMT

When business owners talk about "freedom," they’re usually thinking of:
✅ More time to spend with family or on passions
✅ More financial stability and profit without working harder
✅ More control over their business instead of feeling stuck in it

The key to achieving true freedom in business isn’t just working harder—it’s strategic planning. In this episode, we’ll dive into how to build a business that gives you freedom, not just more work.

Want support from Emily and her team? Join The Rural Growth Collective! Learn more here: https://www.ejsbusinessservices.com/rural-growth-collective

75. Pay Yourself First: A guide for business owners

EJS Business Services — Wed, 26 Feb 2025 19:30:00 GMT

As business owners, we pour our time, energy, and resources into making our businesses successful—but what about paying ourselves? Too often, business owners (especially in family businesses) put themselves last, taking whatever is left over instead of ensuring they earn a sustainable income.

In this episode of The Rural Bookkeeping Podcast, we dive into why paying yourself first is a game-changer for both your business and personal financial well-being.

We’ll explore:
✅ Why many business owners feel guilty about paying themselves—and how to shift that mindset
✅ The common trap of living on what’s left instead of structuring a fair and sustainable wage
✅ How Profit First principles can help you build a system where your pay comes first
✅ Family business dynamics—why some partners feel they can’t ask for their fair share
✅ Practical steps to structure your business finances so you can earn the income you deserve

If you’ve ever felt like you “shouldn’t” take more from your business or struggled to prioritise your own financial needs, this episode is for you! Tune in to learn how to pay yourself first—without guilt, stress, or fear of judgement.

12. Business Planning

EJS Business Services — Thu, 02 Feb 2023 19:30:00 GMT

It’s the end of January already and kids are heading back to school, holidays are winding up and you’re diving back into business! It’s a good time while you're fresh and inspired to turn intentions into actions and create a clear plan for the year. Listen in for some hot planning tips!

76. Transforming Your Mindset: Unlocking growth with a Profit-First approach

EJS Business Services — Wed, 05 Mar 2025 19:30:00 GMT

Your mindset plays a powerful role in shaping your success—especially in business. In this episode of The Rural Bookkeeping Podcast, we dive into how to transform your mindset to embrace growth, resilience, and financial clarity.

We’ll explore:
✅ How to challenge limiting beliefs and assumptions about money and business
✅ The importance of learning from mistakes (yours and others’)
✅ How to shift from a fixed mindset to a growth mindset
✅ Why valuing the process over the result can create long-term success

Adopting a Profit First mindset is more than just numbers—it’s about how you think about money, risk, and opportunity in your business. Tune in to discover how small shifts in mindset can unlock massive growth in your business and finances!

77. Interest vs. Insight: Navigating Profit First for rural business success

EJS Business Services — Wed, 12 Mar 2025 19:30:00 GMT

For many rural business owners, the instinct is to throw every spare dollar into their loan to reduce interest—but is that always the best move? While reducing debt is important, keeping cash reserves in your business can actually improve financial clarity and decision-making.

In this episode of The Rural Bookkeeping Podcast, we explore:
✅ The pros & cons of putting all spare cash onto loans
✅ Why financial insight is just as important as interest savings
✅ How Profit First helps you manage cash flow AND debt responsibly
✅ How to strike the right balance for your farm or agribusiness

If you’ve ever struggled with knowing whether to pay down debt or keep cash in the bank, this episode will help you navigate the right approach for long-term success. Tune in now to make more strategic financial decisions for your rural business!

Want support with this? Join us for just $49/month in The Rural Growth Collective and you can access support from Emily and the team! Learn more here: https://www.ejsbusinessservices.com/rural-growth-collective

5. Cashflow Budgeting with Carmen Quade from Agrifocused

EJS Business Services — Wed, 10 Aug 2022 20:00:00 GMT

Carmen Quade from Agrifocused shares with us the importance of budgeting, a 5 step budgeting process and information about the Agrifocused Farm Budgeting Masterclass.

Gain clarity, understanding and confidence about cashflow budgeting with this episode!

Resources:

Budget guide: https://agrifocused.com.au/budgetguide/

https://agrifocused.com.au/

71. Word of the Year: Taking action to make this your best year yet

EJS Business Services — Wed, 15 Jan 2025 19:30:00 GMT

Are you ready to set a clear intention for the year ahead? In this episode, we dive into the concept of choosing a “word of the year” and discuss how it can inspire focused action, fuel your motivation, and help you achieve your personal and professional goals.

We’ll explore why a single word can guide your decisions and keep you centered, plus share tips on turning that word into meaningful steps toward success.

Tune in and learn how to make this your best year yet—one intentional action at a time!

26. My Xero file is fine ... I think?!

EJS Business Services — Wed, 11 Oct 2023 19:30:00 GMT

You're happy with how your Xero looks and works but there may be some hidden errors! Software companies lead us to believe once we're setup that's it; just a few clicks each week and we're on top of everything. Tune in to find out what you might be overlooking!

Connect with us:

45. Cash Flow Sin 6: Running your business solely based on your bank account

EJS Business Services — Wed, 10 Apr 2024 20:30:00 GMT

Cash in bank is not a reflection of profit, so don't treat it as such! In this episode Emily explains how your business bank account is a big bowl of cash, but it's not all yours. Profit First is also explained here!

81. Financial Ratios Demystified: Using key metrics to assess performance

EJS Business Services — Wed, 09 Apr 2025 20:30:00 GMT

If you’ve ever looked at a financial report and thought, “What does all this actually mean?”—you’re not alone!

In this episode of The Rural Bookkeeping Podcast, we’re breaking down financial ratios in a simple, jargon-free way so you can better understand how your business is performing.

We’ll cover:
- What financial ratios are and why they matter
- The key ratios all business owners should keep an eye on
- A few extra ratios that are particularly useful for farmers
- How to get started using ratios in Xero or similar software

This is a great episode for rural business owners who want to take the guesswork out of decision-making and build more confidence in their numbers. Whether you’re just starting out or want to deepen your understanding—this one’s for you!

Want more support with this? Reach out for 1:1 support, or join The Rural Growth Collective. Learn more here: https://www.ejsbusinessservices.com/rural-growth-collective

16. Navigating Rural Finance with Tim Findlay from Cato Advisory

EJS Business Services — Wed, 22 Mar 2023 19:30:00 GMT

In this episode Emily chats with Tim Findlay, Managing Director of Cato Advisory about all things rural finance!

Tim is an experienced financial services professional with more than 20 years of experience in global investment banking, corporate lending and agribusiness.

After growing up on a small farm in Cowra in the NSW Central West, Tim attended CSU in Bathurst before embarking on a career in Sydney, Dublin and London with the likes of the Commonwealth Bank, Deutsche Bank, Merrill Lynch, and Lloyds Banking Group. His desire to be closer to family and a lifelong connection with rural Australia led him to join Westpac Agribusiness in 2013 where he completed transactions for clients ranging from small family farm enterprises to ASX-listed corporate agribusinesses and investment funds.

In 2022, Tim founded Cato Advisory to deliver where other regional finance and advisory firms could not: holistic, dynamic and proactive strategic business support focused on the future health and direction of rural and regional businesses.

Tim lives in Young, NSW with his wife Clare and three young children. He is an enthusiastic musician and loves playing golf and coaching junior rugby and cricket. He is a director and the current treasurer of the Western Region Academy of Sport.

Tim is a Certified Practicing Accountant (CPA) and holds a Diploma of Finance and Mortgage Broking Management, a Bachelor of Business from Charles Sturt University, and a Master of Applied Finance from Macquarie University. He is also a Fellow of the Financial Services Institute of Australia.

Contact Tim here: https://www.catoadvisory.com.au/

83. Bookkeeping with Purpose: It’s more than just tax compliance

EJS Business Services — Wed, 23 Apr 2025 20:30:00 GMT

Think bookkeeping is just about staying on the right side of the ATO? Think again!

In this episode of The Rural Bookkeeping Podcast, we’re exploring the real purpose of bookkeeping—and how it can become your most powerful tool for running and growing a successful rural business.

We’ll cover:
✅ Why good bookkeeping is about more than compliance
✅ How it helps you track business performance and make confident decisions
✅ The connection between bookkeeping and profitability
✅ What you’re missing out on when your books are only “tax-time ready”

If you’ve ever thought of bookkeeping as a boring chore or a cost centre, this episode will help you see it as a strategic asset for your business success.

Want help with your bookkeeping? Reach out via our website www.ejsbusinessservices.com

69. Compliant and Confident: Mastering PAYG, GST, Super, and more

EJS Business Services — Wed, 20 Nov 2024 19:30:00 GMT

Compliance can be a major stressor for business owners, especially with so many obligations like PAYG, GST, Superannuation, and more. In this episode, we’ll break down each of these key compliance areas, sharing straightforward insights and best practices to help you stay on top of your obligations.
From navigating PAYG withholding to managing GST returns and super payments, we’ll cover everything you need to know to feel compliant and confident. Plus, we’ll dive into how staying compliant can benefit your business and build trust with employees, suppliers, and the ATO.

Need support with keeping on top of your compliance? Reach out for an obligation free chat - 1300 857 263 or visit www.ejsbusinessservices.com

Or join The Rural Growth Collective to connect and learn tips about managing your compliance - https://www.ejsbusinessservices.com/rural-growth-collective

38. Myth busting - Xero reports CAN be customised to suit your business

EJS Business Services — Wed, 28 Feb 2024 19:30:00 GMT

A lot of people are saying Xero isn't suitable for agricultural businesses because the reports don't suit. Tune in to this episode to learn about report customisation capabilities in Xero!

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28. Making more sales isn't necessarily the path to increasing your wealth

EJS Business Services — Wed, 25 Oct 2023 19:30:00 GMT

Tune in to find out why making more sales isn't necessarily the path to increasing your wealth! There are many factors that affect our profitability.

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36. Balancing the books and resolutions: A financial roadmap for the new year

EJS Business Services — Wed, 27 Dec 2023 19:30:00 GMT

As we close out 2023 and dive into 2024, it's a fantastic time to reflect and plan. Tune in to hear some tips from Emily about balancing our finance plan and our new year resolutions!

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23. Separating personal and business expenses

EJS Business Services — Wed, 20 Sep 2023 20:30:00 GMT

In this episode, I explain why separating personal and business expenses is essential for running a successful business!

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42. Cash Flow Sin 3: Receivables - getting the order wrong

EJS Business Services — Thu, 28 Mar 2024 19:30:00 GMT

Receivables - what comes first, the payment, or the product/service?

Getting this wrong is a sin! Tune in to learn more!

88. The Only One Who Cares: Carrying the mental load of the farm office

EJS Business Services — Wed, 28 May 2025 20:30:00 GMT

Are you the only one in your business or family who cares about keeping the paperwork up to date, paying the bills on time, reconciling the books, and keeping the business finances organised?

You’re not alone - and you’re not imagining it.

In this episode of The Rural Bookkeeping Podcast, we’re speaking directly to the rural women who are holding everything together. You manage the farm office, raise the kids, feed the workers, and still somehow remember the BAS deadline - and you do it without much recognition or help.

We’ll explore:
✅ Why this mental load exists (and how it affects you)
✅ What to do when no one else is stepping up
✅ How to set boundaries and ask for support
✅ Practical ways to lighten the load and feel less alone

This episode is a must-listen if you’ve ever said: “If I don’t do it, it won’t get done.” 💛

39. Introducing the 7 Deadly Cash Flow Sins for business

EJS Business Services — Wed, 06 Mar 2024 19:30:00 GMT

Welcome to the kickoff episode of our engaging mini-series, "The 7 Deadly Cash Flow Sins for Business." Over the next 7 episodes, we'll delve into the intricacies of financial management, drawing insights from our comprehensive e-book titled "The 7 Deadly Cashflow Sins."

Join us on this enlightening journey as we explore key principles, share actionable strategies, and empower you to master the art of cash flow optimisation.

Download your copy of the e-book here to follow along seamlessly and unlock the secrets to sustaining a healthy financial ecosystem for your business. Don't miss out on this invaluable resource that promises to revolutionise your approach to financial success.

40. Cash Flow Sin 1: You focus solely on your SALES figures

EJS Business Services — Wed, 13 Mar 2024 19:30:00 GMT

In this episode Emily explores cashflow sin #1 - focusing solely on your sales figures.

Tune in to learn more!

Welcome to The Rural Bookkeeping Podcast

EJS Business Services — Sat, 25 Sep 2021 03:04:17 GMT

Welcome to The Rural Bookkeeping Podcast by EJS Business Services

3. Bookkeeping vs Accounting

EJS Business Services — Wed, 29 Sep 2021 23:39:17 GMT

Ready to learn the similarities and differences between bookkeeping and accounting? Tune in to find out what they are!

29. Crisis Management and Financial Resilience in Rural Businesses

EJS Business Services — Wed, 01 Nov 2023 19:30:00 GMT

"Tough times don't last but tough people do." - Robert H.

Schuller Across Australia we're constantly battling with adverse conditions in agriculture and particularly to do with natural disasters. Building our financial resilience and crisis management skills is extremely important for both the health of business and ourselves. Tune in for tips and information about building your financial resilience.

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25. What's the difference between bookkeeping & Strategic Bookkeeping?

EJS Business Services — Wed, 04 Oct 2023 19:30:00 GMT

Fire your bookkeeper and hire a Strategic Bookkeeper! What's the difference? Listen in to find out!

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