Building a GST buffer that survives Friday payroll
Why GST set-asides vanish in hospitality and trades — and a transfer habit that keeps the quarter from becoming a personal loan.
Field notes
Practical notes on cash, margins, and owner pay for New Zealand small businesses — written from advisory sessions, not generic productivity tips.
When busy weeks still feel broke
Revenue can look healthy while cash timing fights you — three places we look before anyone talks about “working harder.”
Pricing the install day you keep undercharging
Studio and trade businesses often price the product and gift the install — how to see the real contribution before the next quote goes out.
Owner drawings without the guilt spiral
Irregular drawings create household tension and messy tax buffers — a calmer schedule starts with separating three pots of money.