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by Julianna Nagy
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- 5 days ago16 min
Why the Money Always Seems to Run Out Before the Month Does
In episode 117 of Prosperity on the Horizon, Julianna explains why founders often feel like money “disappears” even in a good month. She describes three common causes: the delay between earning money and receiving it, uneven or ‘lumpy’ expenses that land close together and small recurring costs that add up over time. Julianna highlights the difference between a profitable month and a cash positive month, stressing that profit is about totals while cash flow is about timing. She recommends mapping the next four weeks as a timeline of when money will land and when every cost will leave the account, and shares a free cash flow confidence calculator in the show notes. 00:00 Welcome Back and Series Setup 00:50 Why Money Seems to Vanish 01:32 That Midmonth Bank Shock 02:32 Three Cash Flow Culprits 04:36 Founder Story Timing Trap 06:55 Profit vs Cash Positive 08:53 One Timeline Exercise 10:59 Visibility Not Money Problem 11:44 Free Calculator and Next Week 12:47 Wrap Up and GoodbyeIf you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success.We have a new FREE resource - The 60-Minute Monthly Reset to Finally Feel in Control of Your Cash - that you can download from here. Learn exactly what to do on the 1st of every month so your business moves forward, not sideways.If you often feel unsure about your cash flow, even during busy or high-revenue months, I put together a simple tool that may help.It is called the Cash Flow Confidence Calculator and it is designed to give you a clearer view of what is available, what is expected to come in and what needs to be covered over the next 30 days.Nothing overly detailed or complicated, just a straightforward way to better understand your position and make decisions with more confidence.You can download it here.Complete our FREE ‘Business Health Check’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time.Where to find us:Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon.Subscribe on your favourite podcast app to stay in the loop with every insightful episode.If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call.Stay tuned for the next episode of Prosperity on the Horizon, the podcast that transforms businesses through the power of numbers and the story behind them.
- 1 weeks ago18 min
The Financial Decision You Made on a Gut Feeling
In episode 116, Julianna starts a new series about the decisions founders make when they do not have the right financial information in front of them. She explains how common “gut feeling” choices can be, such as saying yes to a new client without checking capacity or cash timing, saying no to a good opportunity because it feels like the wrong time or hiring (or not hiring) based on a vibe rather than a clear plan. She shares a story of a founder who accepted a good bulk supplier deal but later realised upcoming payments and slow invoice timing made the next few weeks tighter than expected; the deal was not wrong but the timing was. The key question is: do you actually know what the next 30 days look like for your business? 00:00 Series Kickoff 01:06 Gut Decision Scenario 03:02 Common Founder Mistakes 03:12 Client Yes Cash Timing 04:12 Saying No Too Soon 05:00 Hiring On A Vibe 05:53 Bulk Deal Story 09:00 Intuition Vs Guessing 11:06 The 30 Day Question 12:22 Reflection And WrapIf you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success.We have a new FREE resource - The 60-Minute Monthly Reset to Finally Feel in Control of Your Cash - that you can download from here. Learn exactly what to do on the 1st of every month so your business moves forward, not sideways.If you often feel unsure about your cash flow, even during busy or high-revenue months, I put together a simple tool that may help.It is called the Cash Flow Confidence Calculator and it is designed to give you a clearer view of what is available, what is expected to come in and what needs to be covered over the next 30 days.Nothing overly detailed or complicated, just a straightforward way to better understand your position and make decisions with more confidence.You can download it here.Complete our FREE ‘Business Health Check’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time.Where to find us:Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon.Subscribe on your favourite podcast app to stay in the loop with every insightful episode.If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call.Stay tuned for the next episode of Prosperity on the Horizon, the podcast that transforms businesses through the power of numbers and the story behind them.
- 2 weeks ago18 min
The 5-Minute Weekly Money Habit
In the final episode of this series, Julianna recaps recent topics on pricing, cash flow, knowing your expenses and paying yourself and explains that the key is having regular visibility of what is happening in your business. She describes how busy weeks and fear of the unknown lead founders to avoid checking their numbers and shares an example of a founder who felt less worried once she made a simple weekly habit. Julianna sets out a five-minute weekly check-in: look at what came in, what went out, what invoices are still outstanding (and follow up overdue ones today), then write one sentence on what you noticed. She also shares tips to keep the habit going: attach it to an existing routine, make it easy to start and return the next week if you miss one. 00:00 Welcome! 01:17 Why We Avoid Numbers 01:50 A Week Gets Away 03:37 Avoidance And The Unknown 04:37 Founder Story Breakthrough 07:00 The Five Minute Check 07:29 Four Things To Review 09:02 Outstanding Invoices 09:38 One Sentence Insight 11:08 Make The Habit Stick 13:18 Weekly Reflection 14:17 Closing The SeriesIf you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success.We have a new FREE resource - The 60-Minute Monthly Reset to Finally Feel in Control of Your Cash - that you can download from here. Learn exactly what to do on the 1st of every month so your business moves forward, not sideways.Complete our FREE ‘Business Health Check’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time.Where to find us:Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon.Subscribe on your favourite podcast app to stay in the loop with every insightful episode.If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call.Stay tuned for the next episode of Prosperity on the Horizon, the podcast that transforms businesses through the power of numbers and the story behind them.
- 3 weeks ago16 min
How to Pay Yourself Without Guilt
In this episode, Julianna talks about the guilt many business owners feel when paying themselves, even when the business is healthy. She explains how the belief “I’ll pay myself properly when things are more stable” often keeps founders as the only person without reliable income, and becomes a habit that affects motivation, energy and how they value their own work. Using a common founder example, she shows that underpaying is often driven by emotions rather than numbers. She explores where the guilt comes from, including the culture of sacrifice, uncertainty about the “right” amount and feeling responsible for everyone else first. She suggests deciding pay in advance as a fixed budget line, knowing what fair pay should cover and separating business and personal money, then offers reflective questions and a reminder that paying yourself fairly is good leadership.00:00 Welcome and Topic00:27 Founder Pay Guilt01:38 Stability Myth03:41 Underpaying Story06:01 Why Guilt Happens08:39 Three Practical Shifts11:31 Reflective Questions12:27 Closing EncouragementIf you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success.We have a new FREE resource - The 60-Minute Monthly Reset to Finally Feel in Control of Your Cash - that you can download from here. Learn exactly what to do on the 1st of every month so your business moves forward, not sideways.Complete our FREE ‘Business Health Check’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time.Where to find us:Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon.Subscribe on your favourite podcast app to stay in the loop with every insightful episode.If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call.Stay tuned for the next episode of Prosperity on the Horizon, the podcast that transforms businesses through the power of numbers and the story behind them.
- Apr 17, 202619 min
The Real Cost of Not Looking
Julianna shares a personal reflection on Hungary’s recent election and links it to a common pattern she sees in small businesses: the cost of avoiding the numbers. She explains that many founders think their expenses are “roughly” fine, but small, unreviewed costs like unused subscriptions, growing contractor scope and ongoing marketing spend can quietly reduce profit margins. Using an example of a growing service business, she shows how a careful expense review, plus cutting, renegotiating or bringing work in-house, improved margins without gaining new clients. She outlines a simple process: review the last three months line by line, ask whether each cost is still relevant and worthwhile, compare with the same quarter last year, make one change and build this into a monthly leadership hour.00:00 Welcome and Personal Story00:34 Hungary Election Wake Up Call01:43 Myth Expenses Are Fine02:14 Hidden Costs Add Up03:36 Case Study Profit Leak06:34 Hungary Parallel and Attention08:12 What Expenses Reveal10:55 Simple Expense Review Process13:14 Monthly Habit and Reflection13:41 Closing Questions and Takeaways16:05 Final Thoughts and Call to ActionIf you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success.We have a new FREE resource - The 60-Minute Monthly Reset to Finally Feel in Control of Your Cash - that you can download from here. Learn exactly what to do on the 1st of every month so your business moves forward, not sideways.Complete our FREE ‘Business Health Check’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time.Where to find us:Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon.Subscribe on your favourite podcast app to stay in the loop with every insightful episode.If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call.Stay tuned for the next episode of Prosperity on the Horizon, the podcast that transforms businesses through the power of numbers and the story behind them.
- Apr 9, 202619 min
The Number You Should Know by Heart
Julianna explains why founders should know a few key financial numbers without relying on accounting software, because quick decisions about hiring, pricing and deals often need confidence and clarity. She shares an example of a consultancy owner who nearly hired based on a strong recent month, but changed plans after checking her average revenue over 6-12 months. Julianna outlines six numbers to know: average monthly revenue, average monthly profit, main monthly fixed costs, unpaid invoices (receivables), an approximate tax amount to set aside (including GST and income tax), and business runway (months you can operate with current cash). She gives simple steps to find and track these in accounting software and encourages listeners to review them regularly to reduce anxiety and lead more intentionally.00:00 Welcome and context01:19 Why memorize numbers03:04 Hiring story lesson05:18 Six numbers overview05:34 Average revenue and profit07:16 Fixed costs and receivables08:45 Tax and runway10:32 How to track them13:42 Reflection questions14:36 Final mindset and wrapIf you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success.We have a new FREE resource - The 60-Minute Monthly Reset to Finally Feel in Control of Your Cash - that you can download from here. Learn exactly what to do on the 1st of every month so your business moves forward, not sideways.Complete our FREE ‘Business Health Check’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time.Where to find us:Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon.Subscribe on your favourite podcast app to stay in the loop with every insightful episode.If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call.Stay tuned for the next episode of Prosperity on the Horizon, the podcast that transforms businesses through the power of numbers and the story behind them.
- Apr 2, 202618 min
Why Your Best Month Still Felt Tight
Julianna explains why a strong revenue month can still feel financially tight and why higher revenue does not always mean more cash in the bank. She outlines the difference between revenue, cash and profit, and shares a common example where invoices are unpaid while large or irregular costs fall due, including BAS, software renewals, contractors and insurance, alongside money not being set aside for tax. She gives five main reasons for the squeeze: cash not received yet, irregular expenses, no tax set aside, expenses quietly increasing and relying on the bank balance as the main guide. She then shares five steps on how to fix it.00:00 Why Good Months Feel Tight01:11 Revenue vs Cash Myth01:57 Timing and Cash Gap Example03:06 Client Story Breakdown05:36 Five Reasons You Feel Squeezed05:58 Reason 1 Unpaid Invoices06:39 Reason 2 Irregular Expenses07:25 Reason 3 Tax Not Saved08:11 Reason 4 Expenses Creep09:02 Reason 5 Bank Balance Trap09:59 Five Steps to Fix It13:04 Monthly Review Questions14:26 Key Takeaways and Wrap UpIf you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success.We have a new FREE resource - YOUR MONTHLY 60-MINUTE BUSINESS SUCCESS PLAN - that you can download from here. Learn exactly what to do on the 1st of every month so your business moves forward, not sideways.Complete our FREE ‘Business Health Check’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time.Where to find us:Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon.Subscribe on your favourite podcast app to stay in the loop with every insightful episode.If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call.Stay tuned for the next episode of Prosperity on the Horizon, the podcast that transforms businesses through the power of numbers and the story behind them.
- Mar 26, 202615 min
The Price You're Afraid to Charge
Julianna talks about the emotional side of pricing and why many small business owners undercharge because they fear losing clients. She explains that charging too little can attract price-sensitive clients, create resentment and even signal lower quality to the market, while fair pricing can attract clients who value your work and trust your expertise. She shares a story of a service-based business owner who raised prices after not increasing them for two years, lost one client, quickly replaced them and improved profit while working fewer hours. Julianna then outlines practical steps: calculate the real cost of delivering your service (including all time), check market rates for context, set a new price intentionally, communicate changes clearly with 4–6 weeks’ notice without apologising and hold your ground. She ends with questions to review pricing regularly and invites listeners to DM Horizon Accounts.00:00 Welcome and Big Pricing Fear00:56 Myth Losing Clients02:03 Price Signals Value02:59 Sarah Raises Rates05:28 Know Your True Costs07:19 Price for Outcomes08:14 Raise Prices Step by Step09:44 Client Notice and No Apologies10:32 Hold the Line10:54 Reflection Questions and WrapIf you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success.Complete our FREE ‘Business Health Check’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time.Where to find us:Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon.Subscribe on your favourite podcast app to stay in the loop with every insightful episode.If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call.Stay tuned for the next episode of Prosperity on the Horizon, the podcast that transforms businesses through the power of numbers and the story behind them.
About Prosperity on the Horizon
Prosperity on the Horizon is a short-form podcast for busy business owners and entrepreneurs who are looking for bite-sized episodes with actionable takeawawys to help them transform their business through the power of numbers.Produced by Julianna @horizonaccounts , the podcast releases weekly, with short, easy to consume episodes, featuring clear cut strategies and education on how to use your numbers in informed decision making that will lead your business to prosperity.We also release series built around specific topics so that each episode remains really bite-sized, to make the perfect show for you to listen to during your commute, gym session, dog walk or while preparing those lunch boxes.Look out for new episodes dropping every Friday. Each episode is designed for busy parents, running their own business, who need something that they can fit into their frenetic schedule. This is why our episodes generally don’t last longer than 15 minutes.
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