The Finance Shed Blog
Check out the latest from The Finance Shed…
How to Improve Credit Score as a Self-Employed Tradie
If you’ve ever applied for a loan — a new ute, a set of tools, or even a home loan — and felt the sting of rejection, you’re not alone. Self-employed tradies across Australia run into the same problem: "You know you’re earning good money, but lenders can’t see it." Or...
Tradie Cashflow Made Simple: How to Stop Running Out of Money Every Month
If you’re a tradie running your own gig, you already know the feeling. Work’s flat-out, money’s coming in, invoices are going out—but by the end of the month there’s nothing left in the bank. You’re not alone. In fact, poor cashflow management is one of the biggest...
Common Cashflow Mistakes Tradies Make
You’re flat out all week, running from one job to the next. The invoices go out, the payments trickle in, and you should be rolling in it — but somehow, by the end of the month, the bank balance looks thin again. Sound familiar? You’re not the only one. Most...
Tradie Superannuation: How $50 a Week Can Grow into $50,000
If you’re out on site from dawn to dusk, Tradie Superannuation probably feels like something for “later” — a bill or a line on your payslip you barely think about. Thing is, super is one of the most powerful tools a tradie has for building real long-term wealth...
From Shoebox to Cloud: The Best Bookkeeping Apps for Tradies
If your bookkeeping still looks like a shoebox of receipts shoved under the driver’s seat, you’re working harder than you need to. For tradies, time on the tools is precious — and admin shouldn’t eat into it. Moving to a cloud bookkeeping app does more than tidy your...
The Advantages of Superannuation for Australian Tradies
For most Aussie tradies, day-to-day life is packed with early starts, long hours, physical work and the constant pressure of keeping jobs moving. When you're busy keeping clients happy, paying suppliers and juggling the never-ending list of operational tasks, planning...
Tradie Financial Planning: Build a Business That Runs Without You
Most tradies know what it means to work hard. Early mornings, long days, and constant jobs — all to keep the business running and the family looked after. But at some point, every tradie starts to wonder: “Where’s all that hard work going?” This is where Tradie...
Tradie Financial Planning Made Simple: How to Take Control of Your Money
Most tradies know what it means to work hard. Early mornings, long days, and constant jobs — all to keep the business running and the family looked after. But at some point, every tradie starts to wonder: “Where’s all that hard work going?” This is where Tradie...
Government Contracts for Tradies: What Need to Know Before Bid
Every tradie dreams of that one big break — the contract that takes their business to the next level. It might be a deal with a national builder, a mining company, or a local council. You picture steady work, a healthy profit, and the kind of reputation that gets...
Common Cashflow Problems for Tradies in Australia
Many tradies believe their biggest business risks come from rising material costs, tough competition, or unreliable clients. But the truth is far simpler and far more dangerous. The biggest threat to a trade business is cashflow – or more specifically, cashflow...