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Thrive Without Sacrifice
Thrive CFO
About
Podcast
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March 27, 2026
Small Business, Financial Health, Cashflow, Business Growth
Jen Lowes
Could Emerge Business replace your business ...

Could Emerge Business replace your current business bank account? It launched as a fees-free alternative to traditional banking, with real-time Xero integration and instant team expense cards - no more petty cash or expense reimbursements.

We've been using it since launch and it's genuinely one of the better tools we've seen for NZ businesses. Check out our overview here.

Could Emerge Business replace your business bank accounts?
June 28, 2023
Small Business, Mindset, Business Growth
Karen Woller
How to Delegate Effectively as You Scale Your ...

As your small business grows, demands on your time increase. It's important to delegate tasks to others, such as team members, contractors, or freelancers, so you have the time to focus on critical aspects of your business and continue to grow.

How to Delegate Effectively as You Scale Your Business
June 14, 2023
Business Growth, Small Business
Karen Woller
How to Build A Strong and Successful Team

Team work makes the dream work, or so the saying goes, but there’s a lot more to building a team than hiring a few talented individuals. A strong and united team is essential for the growth of your business, but powerful teams don’t happen by accident. It’s vital that you invest time and effort into building a team that can propel your business towards success.

How to Build A Strong and Successful Team
May 31, 2023
Financial Health, Cashflow
Karen Woller
Why It’s Important to Separate Your Personal ...

Separating your personal and business finances is a must for any new business owner.

Why It’s Important to Separate Your Personal and Business Finances
May 24, 2023
Financial Health, Business Growth
Karen Woller
7 Warning Signs Your Business is in Financial ...

Recognizing the warning signs of financial distress is crucial for a business's survival. Our latest blog covers the top seven red flags and actionable solutions.

7 Warning Signs Your Business is in Financial Distress
Karen Woller
October 25, 2019
Mindset, Planning

Defining a great day’s work

Karen Woller
October 25, 2019
Mindset, Planning
Defining a great day’s work

We all have days where we nail our work & feel like it’s been a great day! How do you encourage your team to have more great days and less days where they feel they’ve achieved nothing? Follow our five principles to help define a great day’s work

Tagged: Business Improvement, Core Values, KPI's

Karen Woller
October 18, 2019
Small Business, Financial Health

Is your Business Data Meaningful?

Karen Woller
October 18, 2019
Small Business, Financial Health
Is your Business Data Meaningful?

Data is only powerful with context, it needs to be accurate and organised and you need to be clear on the necessities vs the niceties.

Karen Woller
October 11, 2019
Small Business, Mindset

Feel like you're constantly fighting fires in your business?

Karen Woller
October 11, 2019
Small Business, Mindset
Feel like you're constantly fighting fires in your business?

Not all URGENT tasks are important! The Achiever Matrix helps you get perspective and prioritise tasks based on their importance to free up your time!

Karen Woller
October 9, 2019
Tax

What's a PIR and Why is it Important?

Karen Woller
October 9, 2019
Tax
What's a PIR and Why is it Important?

There is a lot of confusion about what a PIR is and why having the correct PIR is important. So, if you’ve received a letter from the IRD and are not sure what it means here’s an outline of what a PIR is and the consequences of nominating an incorrect PIR.

Tagged: Investments, PIE

Karen Woller
October 4, 2019
Small Business, Mindset

Supercharge your business and improve business performance

Karen Woller
October 4, 2019
Small Business, Mindset
Supercharge your business and improve business performance

Supercharge your business with some simple tips. Eliminate distractions & bad customers, get a plan, use tech, deploy marketing and asking for referrals are just a few ideas.

Karen Woller
September 27, 2019
Small Business

Automation can ease your business workload

Karen Woller
September 27, 2019
Small Business
Automation can ease your business workload

Are you drowning in business admin? Automation is an important way to ease your business workload, with a host of different business apps and cloud solutions offering ways to automate your admin.

Tagged: Systems, Automation, Procedures

Karen Woller
September 20, 2019

Know your numbers - Drilling down on your margins

Karen Woller
September 20, 2019
Know your numbers - Drilling down on your margins

Gains can always be made at the margins. These small incremental gains over a month or a year can have a significant impact on your bottom line.

Tagged: Business Improvement

Karen Woller
September 13, 2019
Small Business, Financial Health

Know your numbers - Your Balance Sheet

Karen Woller
September 13, 2019
Small Business, Financial Health
Know your numbers - Your Balance Sheet

Your Balance Sheet tells you whether the value of your business is going up or down, if the business is properly funded, and whether the working capital is at a healthy level. Profitable businesses can, and do, go broke if they have a weak Balance Sheet.

Karen Woller
September 6, 2019
Small Business, Financial Health

Know your numbers - Your Profit and Loss Report

Karen Woller
September 6, 2019
Small Business, Financial Health
Know your numbers - Your Profit and Loss Report

Understanding your numbers is critical if you want to control your business (instead of your business controlling you). Your Profit and Loss Report measures the overall efficiency of your entire business - enabling you to review your costs to improve your business’s profit and, ultimately, its value.

Karen Woller
August 30, 2019
Small Business, Financial Health

Know your numbers - Your Trading Account

Karen Woller
August 30, 2019
Small Business, Financial Health
Know your numbers - Your Trading Account

Your Trading Account is crucial in assessing how profitable your products and services are. 'If you don't know your numbers - you don't know your business.' - Marcus Lemonis.

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