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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
February 12, 2021
Small Business, Planning

Achieving Financial Freedom

Karen Woller
February 12, 2021
Small Business, Planning
Achieving Financial Freedom

Financial freedom means having enough money to live your desired lifestyle. Is your business allowing you to hit key financial milestones such as buying a house or taking a holiday? Real wealth is not about money… but freedom #WeCanHelp #FinancialFreedom

Karen Woller
February 10, 2021
Tax

Recent Tax Changes

Karen Woller
February 10, 2021
Tax
Recent Tax Changes

In January 2021 the Government got off to a quick start with a raft of tax changes required to enact some of the policy that they committed to during the election which was to be expected but they also slipped some extensions into the bill which may catch some off guard.

Karen Woller
February 5, 2021
Financial Health, Small Business

Ongoing COVID Support

Karen Woller
February 5, 2021
Financial Health, Small Business
Ongoing COVID Support

It’s been a while since we had any significant COVID support changes, but with the recent Northland community case of COVID we thought that it would be worth highlighting what support is available if there is a resurgence of COVID in NZ.

Karen Woller
December 25, 2020
Mindset

10 Steps to Achieving Balance this Holiday Break

Karen Woller
December 25, 2020
Mindset
10 Steps to Achieving Balance this Holiday Break

It's a great time to make new habits! From more sleep and exercise to reading or meditation... what will you consciously do these holidays to get balance and start 2020 in form?

Karen Woller
December 23, 2020
Financial Health

Shortening your working capital cycle to free up cash

Karen Woller
December 23, 2020
Financial Health
Shortening your working capital cycle to free up cash

Covid-19 highlighted the importance of managing your working capital cycle & reducing how long cash is tied up in the sales process. More money won’t solve your problems if you don’t manage your working capital cycle! #WeCanHelp!

Karen Woller
December 18, 2020
Small Business, Mindset

Why you need to take a break from your Business

Karen Woller
December 18, 2020
Small Business, Mindset
Why you need to take a break from your Business

A break from your business promotes positive mental health. We can help you reduce your workload, create a more efficient business model and plan out holidays throughout the year.

Karen Woller
December 16, 2020
Financial Health

Understanding working capital to maintain business success

Karen Woller
December 16, 2020
Financial Health
Understanding working capital to maintain business success

Cash is oxygen for your business and measuring working capital is your regular health check to keep your business alive; especially in turbulent times. #WeCanHelp identify strategies to increase #WorkingCapital

Karen Woller
December 11, 2020
Mindset, Cashflow

Holiday Cashflow for your Business

Karen Woller
December 11, 2020
Mindset, Cashflow
Holiday Cashflow for your Business

Leading up to the holiday period, is your business cash flow in good health to carry you through? This time of year can be hard on small business. Make a plan early to ensure healthy cashflow over the holidays.

Karen Woller
December 9, 2020
Financial Health, Small Business

Don't neglect your Balance Sheet

Karen Woller
December 9, 2020
Financial Health, Small Business
Don't neglect your Balance Sheet

Your business may be profitable but is it solvent? Your #BalanceSheet is a key indicator of solvency; neglect it at your peril! Profitable businesses can & do go broke. Discover 4 areas of your #BalanceSheet focus to maximise success!

Karen Woller
December 4, 2020
Cashflow, Small Business

Have you got a strategy for a financially stress free holiday period?

Karen Woller
December 4, 2020
Cashflow, Small Business
Have you got a strategy for a financially stress free holiday period?

Holiday breaks are a time to re-charge for the year ahead. But, for business owners, it can be stressful without careful cashflow planning. Have you got the strategies in place to ensure you are in the best financial position this year?

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