Prosperity on the Horizon

Julianna, founder of Horizon Accounts, introduces a new series on building a strong financial year and explains key changes from 1 July. Superannuation must now be paid on payday each pay run (Payday Super). The national minimum wage rose by 6% and modern award minimum wages by 4.75%, employers should check their specific award rates rather than assume they match the national increase. She stresse...

In the final episode of the 2026 financial year, Julianna explains what still matters at year end and how to start 2027 with financial clarity. She outlines key deadlines: business purchases must be paid for and ready to use by 30 June to claim a deduction, super contributions must be received by the fund by 30 June to be deductible, and payday super begins on 1 July. Julianna challenges the idea...

In episode 122 of Prosperity on the Horizon, Julianna explains why business revenue and a healthy bank balance do not mean the money is yours to spend, because some funds are already committed to things like GST, superannuation and upcoming bills. She highlights GST as a major cause of confusion near the end of the financial year, including common GST coding errors that can either lead to overpayi...

Julianna explains why many founders feel cash is always tight even when revenue is strong and why a bank balance alone does not show the full picture. She clarifies the difference between revenue (what you earn), profit (what is left after expenses) and cash position (what is actually available after accounting for GST, tax, super, committed bills and timing of payments). She outlines a simple way...

Julianna explains what matters at the end of the 2026 financial year and what is time sensitive before 30 June. She outlines two key actions that must happen before year end: business purchases must be bought, paid for and ready for use to claim deductions; and June quarter super must be received by the fund before 30 June to be deductible. She stresses that the most valuable step is having books...

Julianna explains how running a business without knowing your numbers creates constant uncertainty that costs time, money, energy and opportunities and increases anxiety, especially when books have been avoided for months. She says the issue is not ability but avoidance, which often shows up during BAS preparation in Australia with uncategorised transactions, unreconciled accounts and personal and...

Julianna explains that the hire founders keep delaying is usually a visibility problem rather than a money problem, because many people rely on feelings instead of data and do not know what the next 30 to 60 days look like financially. She shares a client story where the numbers showed a quiet four-week period which was normal in the business, the part-time support cost was manageable and the free...

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...

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...

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 si...

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,...

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...

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...

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 f...

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 busines...

In episode 109, Julianna talks about why business owners often feel their weeks disappear, with days filled by calls, emails, small problems, chores and screen time. She shares research from University College London and Cardiff University using time-use diaries, including that people in the UK spend about 13 hours a day looking at screens and that 18 to 24-year-olds spend around 77% of waking hou...

In episode 108, Julianna explains that creative and service-based business owners don’t need to be “numbers people” to lead their businesses well; they need clear, relevant ways to understand finances. The episode reframes business finances as a simple record of money in, money out, and what remains, emphasising that revenue signals demand, profit creates stability and cashflow is about timing. It...

In episode 107, Julianna explains why the end of the financial year often feels rushed and stressful, and says it usually comes from not knowing where the business stands because accounts are not fully up to date. With four months to go until June 2026, she recommends focusing on current and accurate bookkeeping, including closing each month quickly, reconciling bank and credit card accounts, revi...

In episode 106, Julianna shares what she has noticed in conversations with creative and service-based business owners whose revenue looks steady but who still feel uncertain about their finances. She explains that the issue is often not fear or a crisis but a lack of clear, practical understanding of what the numbers show about profitability, cash flow and pricing sustainability. The episode outli...

In episode 105, the focus is on business finance trends for 2026, particularly for small to medium-sized businesses in Australia. Julianna discusses the evolving challenges and priorities for business owners, emphasising the need for proactive financial management. Key topics include the importance of forward-looking questions, cashflow planning, regular financial reviews, and utilising technology...

In episode 104, Julianna welcomes listeners to the year 2026 after a hiatus. She discusses the importance of building businesses that enhance life rather than detract from it, based on three personal guiding words: alignment, simplicity and life. Julianna shares her reflections on prioritising mental and physical health, making intentional business decisions and simplifying systems to support livi...

In this episode of 'Prosperity on the Horizon,' Julianna discusses the behind-the-scenes work bookkeepers do to prepare for the festive season. She shares her personal holiday plans and explains the importance of maintaining accurate accounts even during the holidays. Julianna provides practical tips for business owners to help support their bookkeepers, ensuring a smoother year-end wrap-up. She a...

In this episode of 'Prosperity On The Horizon,' Julianna breaks down how to evaluate the profitability of your business by examining key financial metrics. She emphasises the importance of understanding revenue, gross profit, payroll costs, operating expenses, accounts receivable, and net profit. Julianna provides practical tips for interpreting these numbers to ensure your business is healthy and...

Welcome to episode 101 of Prosperity on the Horizon! Julianna introduces the '30 Days to Clarity' series to help business owners enhance their financial clarity through simple, actionable tips. This episode bundles the first five days of the series, covering practical advice on reconciling bank balances in Xero, assessing correct pricing for profitability, managing cash flow, improving profit stra...

In the 100th episode of Prosperity on the Horizon, Julianna reflects on the journey of the podcast and its mission to help business owners create calm, profitable, and sustainable businesses. She emphasises the importance of understanding finances, shares key learnings and highlights stories of client successes. The episode encourages business owners to take control of their numbers, offers insigh...