BizNation

This week in the Virtual Cafe there is some bittersweet news we are sharing. Tune in to hear the details of the changes that are coming as Season Six wraps up. The last few weeks there have been some really hard decisions made.Kerry doesn't have a crystal ballMaking hard choicesKerry has her cape on for her clientsGrieving the changes and celebrating at the same timePausing isn't quitting foreverOver 200 episodes to binge on during this intermissionChanging and evolving are part of businessBecoming a published author and doing all the things that has caught the attention of those around Kerry and has opened the eyes of others watching, including her clientsSeasons change, so be gracious and send Kerry messages of how much you love her!Thank you for listening for all these years and to all the episodes, please go back and listen to all the amazing guests and for all the wisdom Kerry has shared about getting in control of your finances.Stick around and watch for the next season in the future.

This week in the Virtual Cafe listen in to the conversation about Kerry's bean-o-meter and the confessions that go with it. Coffee and money are always a topic at the table here. The Money Barista herself is answering some great questions from a listener.Questions can be hard to ask Calendar, schedule, timing'The Day' vs Bite Size PiecesExcuses from overwhelmDeadline for taxes is a higher level of stressInflicting more pain on ourselvesAdding unnecessary pressureBeing mindful of your business financesLittle pieces of effort add up Learning and repeating with practiceKerry shared what riding a bike or wiping your bum has to do with your flipping digits. Continuing to learn and practice to get ahead of the game helps you get in control of your business finances and helps you avoid the pain. Using The Money Barista Savings Tool for recurring payments is a great place to get started. There is a live demo every quarter where Kerry shows you how to use it and it's a great place you can ask questions. Don't miss out!We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

Welcome to the Virtual Cafe where coffee meets money. This week we are chatting about The Money Barista coffee mug and how not to be 'pedestrian' or 'basic' with our beans. The discussion gets spicy when speaking of the perfect world vs when getting started it may look very different.When to separate the beansWhat to keep that are the most important thingsHow things can change over time and to know when to separate recordsMake sure what is required in your areaThe right advice from certain professionals is importantNot getting overwhelmed or sucked down the technical rabbit holeWhich tool can make things easier (or much harder)Combining your business and personal finances in accounting software may not be the right fit so knowing when it's time has some clues. Everything in business is not the same, there are different shapes and sizes. Numbers matter in whichever industry you are in and they help you understand your business finances. We would love you to tune in for this episode and future discussions in the Virtual Cafe, where you too can get in control of your flipping digits.We hope you enjoy this experience

Welcome to the Virtual Cafe where we have discussions about the beans in your business. This week we are dreaming about more coffee while skating full throttle through the changing seasons across the globe. Kerry is comparing two sides of the coin of categorizing income and expenses when you are so busy.Balance in information about categoriesDiscovering through pain points how much info is neededMinimum of requirementsLean & Mean vs Extra DetailsInformation for making decisionsWhere to focus your energyBased on our business and usHaving the information you need to make decisions and keeping things simple so you can stay consistent in your business finances is very important. It looks different for every person and every business. Kerry shares how to be in control by reading the numbers and knowing what they mean. Let us know if you have questions you would like to have answered live in the Virtual Cafe on a future episode. Join us in our weekly conversations for serious topics that are always wrapped in fun!We hope you enjoy this experience

We all have phone-a-friend moments in business especially when it comes to money and finances. It can be compelling to go to a search engine when it's an embarrassing question, but be careful when searching online because it can be a slippery slope. The so-called answers online can be overwhelming and we can get off answers. Asking someone you know has experience and sincerely wants to help you is a much better choice, but how do you know who to ask?Kim called Kerry while live on a podcast to see if she knew the answer to a game question she was being askedrelationships that we can have for a 'phone-a-friend' callwho to ask questions that are private and confidentialsearching online can be a slippery slopeKerry gets all kinds of business questions and keeps them anonymous when she answers on the podcastMoney basics are the same for most people and we understand how hard it can be. If you have questions and don't know who to ask, send them to Kerry and she will do her best to answer them on the podcast without any judgment and she keeps who asked confidential. Don't let those embarrassing questions keep you from getting in control of your BF's aka business finances.Send questions to Kerry@kerryzarb.com and remember Kerry loves colorful language so ask away with swear words included. Message her on the socials to connect with her too.Grab your free copy of The Money Barista Savings Tool and join us on the live virtual tour HERE.Thank you for joining us in the Virtual Cafe where coffee meets money. Follow the show so you don't miss any of the weekly discussions. We are grateful you are here.We hope you enjoy this experience

Decisions are fire-hosing us every single day. Part of the decision fatigue is having the right systems in place that are going to work for you. When we think about sitting down and working on our Business Finances, we need to make that decision first. When am I going to do it, where am I going to do it, what day, what time, am I going to get interrupted? Join Kerry and Kim in the Virtual Cafe and prepare to make fewer decisions.Decision fatigue is realA recipe for our Business FinancesHaving the Digital Shoebox as a toolThere are tiny little things that we can do as we are running at a fast pace to help ourselves, if we know ahead of time and we have all our things gathered up, then we can make the decisions on the digits instead of all the things.We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

Pretty early in the writing of her book, Business Finances Made Simple in the Virtual Cafe, Kerry got sick to death of writing out the words 'business finances' and wanted to short cut. In the virtual cafe in this episode Kerry and Kim are having coffee with their BFs and our BFF and you! If you think about your 'BF's instead of your Business Finances, it's kind of cool, you get to work with your BF'sOne you want to avoid and the other you can't wait to get toIf we can mentally change this for ourselves and turn it into a fun time, have some way that we get to enjoy this, it can make a huge differenceKerry's ready to adopt a whole new dictionary around business finances and it'll start with the BF's. If you want to change your mind about how you think about your Business Finances start calling them your BFs!Business Finances Made Simple in the Virtual Cafe We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.If you want to save money in your business, you can get started for FREE with The Money Barista Savings Tool!This tool is built with the sole purpose to list all your recurring payments, find the ones you are no longer using, enabling you to make decisions on what you want to keep or cancel, and help you be accountable to track your progress.Grab your FREE & PRIVATE copy right here - https://www.kerryzarb.com/savingsWe hope you enjoy this experience

If you don't like something, you don't understand it, or you don't know how to do it, like our business finances, we self sabotage a lot of times by looking for ways for some tool or person to take the pain away. Can you strip any of that away to simplify your Business Finances so that it's easier? As an Entrepreneur maybe we just need to keep it simple and bring it back to the basics of a spreadsheet and start somewhere. Join Kerry and Kim in the virtual cafe for today's conversation.Are you complicating your business finances?Sometimes we make things complicated because we just don't like themMake things so simple that thing don't get harderSometimes we think the problem is that we don't have the right toolStarting where ever you are and start to uncomplicate itThere shouldn't be any judgment in the business spaces, there's no right or wrong - it'll be what works for you, whatever's going to motivate you to work on your Business Finances. Don't be afraid to try different tools and keep it simple. Keep trying, you can find the one that does motivate you to work on your digits. Listen to the Buckets & Boom Gates Episode 53 Shortcuts vs ShortcuttingLive Tour Sign UpWe would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

As business owners we have a million things that we want to outsource. Not liking business finances may make you feel like they need to be outsourced right away. Join Kerry and Kim while they wait for their coffee orders in the virtual cafe for a chat about outsourcing business finances.How do I outsource my business finances? Who do I delegate them to?If we don't understand them first, how do we know the person we are giving this to is doing the right thing?You can get your own base understanding of your business finances, and you don't need the certifications or degreesIf we spend some time in our own business finances, we start to have a better understanding for those outsourcing conversationsOutsourcing something that's pretty critical in our daily running of our business, requires us to form relationships with these people as wellKerry is not a financial advisor, she is sharing what she would personally do if it were her. She cares so much about what someone's business finances will do to them because stress is real. Getting in control of our business finances isn't going to happen in 5 minutes, but also isn't going to take us having to get a degree of some kind. Keep listening to gain more understanding and have someone in your corner who can answer your questions.If you want to save money in your business, you can get started for FREE with The Money Barista Savings Tool!This tool is built with the sole purpose to list all your recurring payments, find the ones you are no longer using, enabling you to make decisions on what you want to keep or cancel, and help you be accountable to track your progress.Grab your FREE & PRIVATE copy right here - https://www.kerryzarb.com/savingsWe would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

There's a confidence that comes naturally when we get to do these things that are just not our fave thing to do and we have this extra sense of achievement. When we sit down and work with the numbers we build our confidence muscles, as Kim calls it. Join Kerry and Kim in the Virtual Cafe for a chat about the superpowers that can come with the confidence we gain in our business finances.How do I take control of my Business Finances?How do I build confidence in that control?Spend time with your Business FinancesStepping away from our Business Finances for extended periods of time makes it harderWhen working through something icky to us, and we make progress, we can feel like a superhero!If we don't ask the questions and we don't seek help in these spaces, we're going to stay stuck, in that spot that we aren't comfortable with, we're not familiar with, or we don't understand. If you are listening and tune in weekly, and you need more information than this, send Kerry questions. It helps all of us get better knowing all these things. Thank you for helping us feel a little like a superhero and building confidence!If you want to save money in your business, you can get started for FREE with The Money Barista Savings Tool!This tool is built with the sole purpose to list all your recurring payments, find the ones you are no longer using, enabling you to make decisions on what you want to keep or cancel, and help you be accountable to track your progress.Grab your FREE & PRIVATE copy right here - https://www.kerryzarb.com/savingsWe would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

Business finances can be simple when you know how to do it, but really hard when you don't. They can be really intimidating! Let's get simple about reconciling our bank accounts with Kerry and Kim in the Virtual Cafe, it doesn't need to be complicated. Why do we have to reconcile our bank accounts?What is the simplest way to get started doing it?Why is it a good idea to do it?Let's stop stuffing the hard stuff into the pile and start understanding our business finances together. Make knowing what is supposed to come out and what is actually coming out simpler for your business finances.We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

Congratulations on 200 episodes! The majority of podcasters never make it to 10 episodes, very few make it to episode 50, and even fewer make it to their 100th. This podcast has been going for quite a while, it has evolved, but Kerry's heart hasn't changed one bit in the fact that she has always been here to help other entrepreneurs with their businesses, with what they need to know, with their finances, and getting in control of their finances. You are tuning into The Money Barista Podcast, it's all about money... not today:Kerry is a rockstar podcaster! She is addicted to podcastingKerry's passions: Coffee, money & swearingKerry takes care of the money for other businesses and people the way she would for her own selfIf something upsets you, and you get upset and you cuss because you've got some bank charge that you weren't expecting or somebody didn't deposit the check they were supposed to, you didn't make enough money this week in your business to do what you wanted, or any kind of financial anything, that will bring the swearing out in Kerry, and it's not even her stuff! She gets personal about it.If you have questions please send them in, cuss words and all!We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

We bet that you're tuning in because you want to get in control of your business finances. When you are in tune with your business finances you can make a schedule that suits your business and your life. Join Kerry in the Virtual Cafe today to talk about:Should I look at my finances daily? The answer? Yes and NoUnless you have outsourced your business finances... no one is going to do this for youYou need to assess your own situation when it comes to how often you are working on your business financesChecking your accounts either daily or a couple of times a week is a really good idea. We are all different in this space, never compare what you do to someone else, as all our businesses are different shapes and sizes and need different levels of attention. Make sure you tune in for the special 200th episode next week! Live Tour Sign UpWe would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

Recurring charges are just ridiculous when it comes to not stopping when they're supposed to stop. It's so easy to sign up for them and it can be so hard to cancel them, join Kerry and Kim in their chat about some tips on tracking those pesky subscriptions.How can I make sure that something doesn't get charged when I cancel it?Sometimes we need to hold that element of responsibility and we need to keep them accountable If we can keep the bean$ in our business or in life, why not? Track your subscriptions with the TMB Savings ToolAs a business owner, we are always thinking about making more money, this is a great way to make more money by not spending money, when we're not using whatever it is. Start tracking those subscriptions, find out what they are, see if we are still using them, and start saving some bean$. Hang out with us in the virtual cafe on Jan. 17, at 5pm CST / Jan. 18, 10am AUS, for the Live Tour! Live Tour RSVPWe would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

We've all got questions about the things we don't know about. Here's one, it's January and tax season in the US, what do I need to prepare for the accountant for taxes? Let's simplify this! Given that it's early, start to gather this stuff now and spend a little bit of time over the next few weeks to bring it all together.Statements, Evidence and Online TransactionsWhen to start and how long it will takeGet questions answered like "How do you put this? Where do you put this? What do you do with that? How does that work?"These simple steps will make an impact on us this time next year, this way we aren't stressed because we'll already have it all done. Get your paperwork and skinny lattes together and let's all celebrate that you're ready for your taxes!Hang out with us in the virtual cafe on Jan. 17, at 5pm CST / Jan. 18, 10am AUS, for the Live Tour!Live Tour Sign UpIn the club this month, Kerry will be teaching us how to put our Digital Shoe Box together so we can have a different level of pressure for 2024.We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

Welcome to the Virtual Cafe, and the first episode of 2024. New Year New Plan for your Biz Bean$ as Kerry says. There's something about a new year, a fresh page, a new clean calendar, a new forecast, a new plan. We have the opportunity to have this new year with a new plan.This month is the live tour! We gather every quarter where Kerry gives a demonstration of the Savings ToolThe pesky recurring transactions that we all have on our bank accounts or credit cards The Savings Tool gives us this ability to list out all the payments and know exactly where all the bean$ are goingThere are all these options that open for us, not only to save money but we get to make choices about the tools that we are using in our businessThe opportunities and options year!Kerry's on a mission to help as many people as possible to save as much money as possible because it's our money and it belongs in our accounts where we have control of it. Hang out with us in the virtual cafe on Jan. 17, at 5pm CST / Jan. 18, 10am AUS, for the Live Tour!Live Tour Sign UpWe are grateful for those tuning in, thank you for joining us week on week. Happy New Year! We hope that whatever coffee you decide on it makes your year even better.We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

Join Kim and Kerry in the virtual cafe with this very special Christmas episode. To get into the festive spirit they skip the traditional Money Barista conversation this week because it's celebration time!Kim shares her favorite winter Christmasy coffee recipe - Hot Chocolate Coffee. Instead of making hot chocolate with water or milk, make your coffee first, and add your hot chocolate mix to the coffee. Stir and enjoy by the fire, real or fake!Kerry shares her favorite summer Christmasy coffee recipe - FrappeIt's got ice! Take your ice coffee recipe - coffee, milk, water, cream and your ice and blend in the blender. Enjoy the icy, fluffy and foamy frappe in the warmer temps!With a festive ending, join Kim and Kerry next week in the New Year. Happy Holidays! As Donna would say Merry Everything and Happy Always.Thank you for tuning into our fun conversations in the virtual cafe. We are so grateful to everyone that has supported us and listened and tuned in and connected with us on socials and the other places!Happy Holiday Biz Bean$ to you all!Cheers ☕ Kerry & KimIf you are looking to get in control of your business finances, check out many resources on the website: https://www.kerryzarb.com/Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

During the holiday season how do I watch what I spend but still get what I want? We can get stuck in our business because we hop into spend mode personally for the gifts and the silly season. Then there's the time off and the potential void of income in our business that we are faced with as well. Plus a lot of marketing pressure going on about having all the toys, all the tools, all the things. Listen in as Kerry and Kim discuss...We need a plan to see us through this silly season both personally and in business.We feel really good spending money as humans but we want to avoid that regret, avoid that over spend.It comes down to really knowing the beans before we begin.It does come down to a little bit of planning.We can ask, what's the point for me, where I can avoid the regret, avoid the overspending, and then I can avoid the stress that comes with that. We need to find a happy middle so we are in control and not having the face plant moment and even sometimes element of regret from the spending.If you want to save money in your business, you can get started for FREE with The Money Barista Savings Tool!This tool is built with the sole purpose to list all your recurring payments, find the ones you are no longer using, enabling you to make decisions on what you want to keep or cancel, and help you be accountable to track your progress.Grab your FREE & PRIVATE copy right here - https://www.kerryzarb.com/savingsWe would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

Gulp! It's end of tax season in the U.S. Everything's on our plate at the moment in our thinking when it comes to this space - holiday season, the New Year, all the things. We understand everyone that still gulps at tax time, still feels unorganized, feeling the stress, the pressure, all the things and this is why we need a Digital Shoe Box.How do I get organized for taxes and how do I stay that way?Digital Shoe Box - contains all of the things that we need to produce in order to do our taxes.Everyone who is managing their business finances and even personal finances needs a digital shoe box.The Money Barista Club members learn how to put things in a certain place and learn how to be prepared for things. What does it look like? How do we bring it together? What's the best use for it? In The Money Barista Club we are constantly building the Digital Shoe Box, it's not a one and done, but it keeps all the things so you are in control! In January we will be answering those questions and giving a how to create your whole Digital Shoe Box.If you would like to delve into controlling your business finances, you can join us in the The Money Barista ClubWe would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

If we know our numbers in business we have the choice to make some pretty cool moves to take advantage of our financial position before tax time is over. It is the last month (December) of the tax year in the US and it's a great time to share some words of wisdom from The Virtual Cafe, with a dash of Kim's coffee maid. If you have profit in your business you might be able to spend some of that profit. It might be a great time to invest in some thingsDon't spend for the sake of spendingDon't be reactiveYou can have a good planWe can use the numbers to be strategic and be in a great positionAt the end of the day our numbers in our business are very important and significantThis is on top of the festive season being upon us with "the cray cray on the cray cray" time getting ready for the silly season, we can all feel stressed out and panicked right now. We all are a little control freaky and then we let something like our numbers slide because we don't know how to do things with them. It's not too late for The Money Barista to help us get in control of them.If you want to save money in your business, you can get started for FREE with The Money Barista Savings Tool!This tool is built with the sole purpose to list all your recurring payments, find the ones you are no longer using, enabling you to make decisions on what you want to keep or cancel, and help you be accountable to track your progress.Grab your FREE & PRIVATE copy right here - https://www.kerryzarb.com/savingsWe would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

191. This week's episode didn't quite make it to plan, this happens from time to time in the wonderful world of podcasting.We are excited to bring you some highlights from What Grinds my Bean$ episodes 169 & 170.We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.If you want to save money in your business, you can get started for FREE with The Money Barista Savings Tool!This tool is built with the sole purpose to list all your recurring payments, find the ones you are no longer using, enabling you to make decisions on what you want to keep or cancel, and help you be accountable to track your progress.Grab your FREE & PRIVATE copy right here - https://www.kerryzarb.com/savingsWe hope you enjoy this experience

With the holidays fast approaching, it is important to see where we are at with our business finances before we are off to enjoy festivities with our loved ones.Sometimes we are faced with a backlog and we can reconginise that we won't have it all caught up before we are away.The Money Barista shares what we can do to avoid the stress of our digits over the holiday times!We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.If you want to save money in your business, you can get started for FREE with The Money Barista Savings Tool!This tool is built with the sole purpose to list all your recurring payments, find the ones you are no longer using, enabling you to make decisions on what you want to keep or cancel, and help you be accountable to track your progress.Grab your FREE & PRIVATE copy right here - https://www.kerryzarb.com/savingsWe hope you enjoy this experience

Something happened...and Kerry had been putting off making a "big" purchase in her life. In this episode Kerry & Kim talk about things we can do to be prepared for those unexpected costs and how we can also manage the change when it comes to things in our business to lighten the burden.Research: all the websites, look at reviews, watch YouTube videos, all the thingsHave a plan- you don't want to part with dollars and not think about where that money is coming from, and if I pay out that money am I not going to pay something elseHave a savings plan behind the scenes, so when the time is right the money is thereDon't wait until it's going to keep you from doing businessSchedule some time on your calendar to learnHave a little backup planWhen thinking of making a big purchase make sure that you have a backup plan to switch over, make sure that you are able to carve out extra time to learn whatever the new thing is and celebrate. Congratulations Kerry for your new barista!Recipe to share: Put a cinnamon donut in the microwave for 30 sec. and after add coffee ice cream. It is so yummy!If you want to save money in your business, you can get started for FREE with The Money Barista Savings Tool!This tool is built with the sole purpose to list all your recurring payments, find the ones you are no longer using, enabling you to make decisions on what you want to keep or cancel, and help you be accountable to track your progress.Grab your FREE & PRIVATE copy right here - https://www.kerryzarb.com/savingsWe hope you enjoy this experience

This week Kim asks Kerry about her favourite tool, which you might be shocked to hear is spreadsheets! Kerry also shares her favourite desert coffee, the Affogato, and her options on how you can make it yourself.We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.The Money Barista Savings ToolWe hope you enjoy this experience

This week we are covering the question of choice, and how you want to work with your business finances.Kim loves ginger in her coffee and Kerry shares the classic hard ginger biscuit we have in Australia that is so delicious when dipped in coffee.We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.The Money Barista Savings ToolWe hope you enjoy this experience

This week we wanted to take you on a quick journey of this podcast and all it's makings over the past 3.5 years.As this podcast has evolved, the core mission has always been to help others.From the great freeze of 2020 to today, Kerry, aka The Money Barista has been focused and determined to help entrepreneurs on their business journey.From interviews under the "BizNation" brand to "Simply Biz Bean$" with the business finances focus, to today with "The Money Barista Podcast", still about business finances!We discuss when and why these changes happened so that you can share in this journey with Kerry!We hope you enjoy this experience

It's a brand new season and a brand new show!The Money Barista is in da house, aka The Virtual Cafe Studio ☕Everything has changed and yet everything is still the same as Kerry Zarb has rebranded.Join us for this VERY special episode where we share the whole story

Scaling the digits sounds simple, more money coming in, however, we as entrepreneurs can miss the part where the expenses are growing also.It can be a dangerous balance with the business finances to keep them in check and ensure our profit is not shrinking before our eyes. This week's discussion included…Multiplying mess with our financesWhat can happen when we don't know our numbersChecking on the prices we chargeHow easy it is to overspendReg flags and Green flagsSee it, say it, fix it - we can all take the approach to control our business finances, when we see a red flag, make a move. And, if we have green flags, we can make better decisions to scale the digits.Kerry & Kim ☕Grab your FREE copy of the Simple Subscriptions tool to save money and get control of bank and credit card charges here.Join Kerry in the Virtual Café every month for The Biz Bean$ Club to be the boss of your flipping digits.Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

This week's Debunking in the Virtual Cafe is brought to you by coffee and hot chocolate. If a cafe can serve both, why can't we just add more things to sell in our business to improve our numbers?When it comes to being an entrepreneur and looking at improving our business finances, can we use the common life lesson of “we need more money, so get another job”?Will adding more products or services mean my finances are instantly improved?Join Kerry & Kim as we discuss the myth and unpack:Offering things no one will buyGoals of our business financesLayering up our offeringsHigh expectations vs realityNot knowing our costsTaking away the guessworkWorking on the business finances one time can help us long term. Keeping our workings for next time to save all that hard work and leaning on the work we have already done can be the game changer for us with our business finances.Cheers to debunking in your business finances.☕ Kerry & KimTo get the latest Biz Bean$ updates in your inbox, https://kerryzarb.com/newsInformation contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

There is a common myth that a lot of people believe... "You have to spend money to make money."Following the herd mentality that everyone is doing 'it' can be very dangerous for our business and our finances. Anything that is supposed to work for everyone and everything is a giant red flag of danger. Taking control, using your brain, and doing the calculating can prevent huge losses in investment of time and money.This week's discussion included...debunking myth and hypestrategic spending and strategic timingtipping of the investing scaleseveryday spend vs investmentexamples of spending to make morespending as an excuse causes trouble'one-size-fits-all' rules are dangerousMaking more money in real estate may take spending more money to buy more real estate, however, spending more money on some things is actually putting your business in the danger zone. Following the crowd because 'everyone is doing it' is never a good strategy. Take control of your flipping digits and spend more on the things that are necessary to make more money.Happy Strategic Spending Biz Bean$ to you!Kerry & Kim ☕To get the latest Biz Bean$ updates in your inbox, https://kerryzarb.com/newsGrab your FREE copy of the Simple Subscriptions tool to save money and get control of bank and credit card charges here. Kerry built this tool for herself and then began sharing it with others. Having a list of the recurring payments makes it simple to make decisions on what you want to keep or cancel, and keeps you accountable to make those moves.Join Kerry in the Virtual Café every month for The Biz Bean$ Club to be the boss of your flipping digits. Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

Feeling like you aren't making any traction in your business finances can cause a FUNK. The struggle is real when it comes to money and understanding those icky feelings can help us de-funk our flipping digits and ourselves. Join Kerry & Kim in the Virtual Café as they discuss...what funk is and where it comes fromfeelings that can talk us out of our businessshared funk is contagiousways to get past the icky feelingasking the wrong people can deepen the funkF words and Kerrywhat cures the funk in our business financesKerry leads the charge to help get us all out of the funk before we are talked out of our businesses. It's a shame to consider that the funky feelings could cost us and those around us so much because it is contagious. Funk be gone!Cheers to no more funk in your business finances!☕Kerry & KimTo get the latest Biz Bean$ updates in your inbox, https://kerryzarb.com/news Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

Welcome to the Virtual Café, it's coffee time! Making choices between cappuccino, macchiato, or hot chocolate can be changed quickly, however, some decisions we make in our business finances can follow us for years.Everyone has made bad decisions with their money at some point in their lives. Those choices can lead to feeling like we will never get this right. Ever wish you could take some things back?In this week's show, Kerry Zarb & Kim White discuss...making different decisions means changing the optionssome things with our money we can't undo the decision or damagesometimes we carry the feeling for a long timelearning without the pain that goes with itpain of the time to clean up bad decisionshow we can turn bad decisions into good decisionslearning to trust ourselves againWe can turn bad choices into good ones over time. Regaining trust in ourselves by learning from our past decisions changes the options. Being aware of the times we spend when we are bored, busy, or distracted can keep us confidently in control of our money. Cheers to being in control of those flippin' digits!Kerry & Kim ☕To get the latest Biz Bean$ updates in your inbox, https://kerryzarb.com/newsInformation contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.If you want to save money in your business, you can get started for FREE with "Simple Subscriptions"This tool is built with the sole purpose to list all your recurring payments, making decisions on what you want to keep or cancel, and keeping you accountable to make those moves.Grab it right here - https://www.kerryzarb.com/subsWe hope you enjoy this experience

Welcome to the Virtual Café, please join me, Kerry Zarb and my co-host Kim White at our table with your favorite brew for this week's conversation. Failing with money or feeling out of control with your finances can lead to us feeling like we are too broken to be our own financial designer. As we confess how we learned to deal with our digits, this is your personal invitation to listen in, as we discuss...something triggers that broken feelingemotional hurdles that can keep us from what is possiblewe are at everyone's mercy if we don't control our numberswe can feel bamboozledthe idea that we 'can't' keeps us from being able tobroke vs brokenthe way we feel about ourselves with moneySometimes we need a translator for all the professional language and big words that can be thrown around. Keeping things simple doesn't mean you aren't smart. It means you are keeping control of your money, no matter how many dollars you have. We all have to learn and we continue learning. Join us next week when we discuss a simple way to get started being the boss of your own business finances. Happy Biz Bean$ to you!Kerry & KimFor a preview of our favorite FREE tool go hereIf you want to save money in your business, you can get started for FREE with "Simple Subscriptions"This tool is built with the sole purpose to list all your recurring payments, making decisions on what you want to keep or cancel, and keeping you accountable to make those moves.Grab it right here - https://www.kerryzarb.com/subsTo get the latest Biz Bean$ updates in your inbox, https://kerryzarb.com/newsInformation contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

Music takes the ugly out of so many things...including finances! Join Kerry Zarb and her guest Kim White in the Virtual Café to hear more about how music can change how you are controlling your money. It can motivate and inspire you to show up for your digits and yourself! Listen in on their conversation to hear...Relaxing not boring playlist - Kerry's finance playlistPassing the brain power to someone elseMoney, money, money or a spoon full of sugar makes the medicine goes downChoose what works for youWhich music helps Kerry be more productiveGrab Kerry's playlist here and use music to inspire and motivate you to get control of your business finances and become your own financial designer. What is on your playlist?Check out this YouTube Playlist compiled for you to work on your business finances.Simply Biz Bean$ podcast - Relaxing Not Boring - PlaylistPlease note - These are my favs to listen to while working on my business finances, I hope you find some you like and please make your own playlist from this inspiration! Disclaimer - I am not responsible for, endorse and I do not own any of the rights to any of these tracks. I have simply compiled them for you as an example of what is possible to bring calm to your business finances ☕

Location for your business finances matters! Join Kerry Zarb in the Virtual Café with her co-host Kim White, to listen to this game changing kind of conversation about where we meet our money and when. Finding the right space helps keep us on track for becoming our own financial designer. Procrastination Station Kerry confesses to what she puts offCreating a space to entice youMental, physical, special, specific, sacred locations - which is the right spaceAccountability partner or biz buddiesIf we don't like or understand our business finances, it's easy to put it off. Kerry shares wiht Kim and you, how to overcome the money woes and stop cancelling on yourself. It's time for you to be in control of your dollars so you can make more of them!Join Kerry in the Virtual Café every month for The Biz Bean$ Club to be the boss of your flipping digits. Ask questions, get answers, and be with other entrepreneurs building their business and learning to control their finances.Grab your FREE copy of the Simple Subscriptions tool to save money and get control of bank and credit card charges here. Kerry built this tool for herself then began sharing with others. Having a list of the recurring payments makes it simple to make decisions on what you want to keep or cancel, and keeps you accountable to make those moves.Information contained in this podcast should be taken as general advice only and your personal circumstances have not been taken into account. It is recommended that you seek financial advice from a professional who is licensed to do so. If you choose to act upon the general advice shared, you do so at your own risk.

We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.If you want to save money in your business, you can get started for FREE with "Simple Subscriptions"This tool is built with the sole purpose to list all your recurring payments, making decisions on what you want to keep or cancel, and keeping you accountable to make those moves.Grab it right here - https://www.kerryzarb.com/subsWe hope you enjoy this experience

Join me, your host Kerry Zarb, and my insightful co-host, Kim White, for a riveting conversation about tackling the challenges of business finances. This episode offers invaluable advice for entrepreneurs, with a focus on overcoming fears around financial decisions. We emphasize the importance of taking your time when dealing with finances, the value of using tools like calculators and spreadsheets, and the significance of trusting your own abilities. This episode is not just about managing your finances, but also about gaining the confidence to make sound business decisions. Tune in and join our conversation in the Virtual Cafe.We hope you enjoy this experience

Ever wonder how a small family business can turn a surplus of cash into a financial crisis? Well, pull up a chair, grab your favourite brew.Join Kerry Zarb and Kim White, as we recount a fascinating story from Kerry's time as an office manager. Kerry is candid about the erratic financial decisions she witnessed, observing a husband and wife team whose spontaneous purchases during periods of cash overflow led to a struggle when funds ran low. We hope you enjoy this experience

We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.If you want to save money in your business, you can get started for FREE with "Simple Subscriptions"This tool is built with the sole purpose to list all your recurring payments, making decisions on what you want to keep or cancel, and keeping you accountable to make those moves.Grab it right here - https://www.kerryzarb.com/subsWe hope you enjoy this experience

In today's round at the Virtual Cafe, Kerry places a new spin on the subscriptions, a positive note to see out the "What Grinds My Bean$" three part series.Catch Kim & Kerry discussing:A coffee bag subscription modelGood subscriptions for business and lifeA special shout out to our Adam RothenbergNot to mention the normal banter with some other pieces ginger gold.If you haven't taken a list to episode 169 & 170 of "What Grinds My Bean$" we certainly encourage you to do so to grab all the goodness shared in recent weeks.As discussed, here is the link to the Live Tour of Simple Subscriptions for July 12th at 6pm CThttps://www.kerryzarb.com/simplesubsWe hope you enjoy this experience

Welcome back to the virtual café for this special episode of the Simply Biz Bean$ podcast.This one is going to be a little bit different, and I thought I would put this little warning here before we dive in.If you have little people in the car with you right now, or I'm sitting on the kitchen bench on speaker, in about 1 min, you might want to press pause button and resume listening at a more appropriate time slot.This whole podcast is rate E and this episode is one reason why. It's not excessive, however it may offend some people.What Grinds My bean$ and today we cover:Spam calls & Text messagesCredit Card FeesBank FeesRandom/Unknown ChargesThis episode contains some course language and listener discretion is advised.The Live Tour of Simple Subscriptions in coming on July 12th – to reserve your free seat – head over to https://www.kerryzarb.com/simplesubsWe hope you enjoy this experience

Welcome back to the virtual café for this special episode of the Simply Biz Bean$ podcast.This one is going to be a little bit different, and I thought I would put this little warning here before we dive in.If you have little people in the car with you right now, or I'm sitting on the kitchen bench on speaker, in about 1 min, you might want to press pause button and resume listening at a more appropriate time slot.This whole podcast is rate E and this episode is one reason why. It's not excessive, however it may offend some people.Now let's dive straight in...What Grinds My bean$ and what's covered todayApp Store ChargesSubscriptions/Recurring PaymentsFree TrialsYearly/Annual PaymentsThis episode contains some course language and listener discretion is advised.The Live Tour of Simple Subscriptions in coming on July 12th – to reserve your free seat – head over to https://www.kerryzarb.com/simplesubsWe hope you enjoy this experience

We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.If you want to save money in your business, you can get started for FREE with "Simple Subscriptions"This tool is built with the sole purpose to list all your recurring payments, making decisions on what you want to keep or cancel, and keeping you accountable to make those moves.Grab it right here - https://www.kerryzarb.com/subsWe hope you enjoy this experience

We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.We hope you enjoy this experience

Are you giving away a full cup of coffee for only half the price, or maybe even discounting it so much it's almost free? There's an important convo which needs to be addressed and the coffee is about to get spicy. When we set our prices as small business owners, there is a degree of engineering involved and practice required to help it run smoothly for both profit and margin. Afterall, if we don't make money in our business we wouldn't be here and our ride as an entrepreneur is put at risk. Listen carefully as Kerry and Kim mix it up today and chat about:Surviving and thriving in business. How your understanding and money can improve by knowing what profit margin is on your products or services.How normal it can be to set a price based on what we think is going to work and the realisation that we are paying people to take a course or similar instead. In reality, sometimes our head can get a bit too big to fit through the doorway and it can be hard to admit the lessons we need to learn.What is a margin anyway? Is it the more than a blank space ruled down the side of our page with the ruler tucked in our desk drawer? Why do margins make such a big difference? The importance of knowing full costs in order to know how much we can price accordingly.The layers that need to be taken into account when factoring in discounting your prices and pricing offers. Thinking about value we add, taxes, expenses, our expertise and experience and value proposition in the marketplace.As entrepreneurs and small business owners there is no doubt, we are invested in both ourselves and our business. Where do you need to add value to what you're offering and think about your own profit margins to succeed in business? To explore more and learn about the value you can bring to your business finances please join Kerry and Kim for the Biz Bean$ Club at https://www.kerryzarb.com/club. Monthly accountability, a library of resources and friends in finances by your side.Until next time, happy Biz Bean$ to you and see you again soon in the Simply Biz Bean$ virtual café

There's a pretty famous song which goes a little something like this…let's get physical, physical, I wanna get physical, let's get into physical. Now, while Kerry is not the next Olivia Newton-John, she is getting digital today alongside Kim for the Simply Biz Bean$ Podcast. When it comes to business finances we are often swamped in a case of over information which is coming from all the places – paper, email, invoices in the back seat of the car type setup. Ready to dive in? Join Kerry and Kim as they discuss:Friendly spaces for our finances. Going from a shoe box full of receipts to a digital shoe box and upgrading your small business shoe size at the same time.Less layers, more simplicity. Practical solutions for making sure we can not only find, but don't loose what we need as well. Key words for ease and searchability. How easy it can be to create a convoluted directory and filing system where info gets buried and forgotten.Creating a backup system (hint – this is usually not your desktop) and taking measures for ‘backupping' as Kerry calls it for good measure.It is possible to eliminate piles of papers and those stuffed full shoe boxes. It can make it easier for tax time and save hours of hunting and searching, giving you more time to join the virtual café and get on top of your finances. If you would like to begin to get digital alongside Kerry and Kim, we warmly invite you and all your shoe boxes over to the Biz Bean$ Club at https://www.kerryzarb.com/club.Until next time, happy Biz Bean$ to you and see you again soon in the Simply Biz Bean$ virtual café