Category: Inspiration

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Planning the ultimate autumn wedding

Planning a wedding is a huge deal and can turn even the calmest of women into a so-called Bridezilla! A wedding often takes a good year of planning and preparation, everything from sourcing the right venue, picking the dress, choosing the perfect flowers, deciding on what food will be served and the kind of car you’ll arrive in style in, amongst a whole host of other decisions that have to be made. A great deal of brides-to-be look to take the stress out of the ‘wed-min’ by hiring the services of a wedding planner or coordinator to help them plan their big day.

As the Autumn season comes rolling in we speak to Gillian Hunt of Hunt & Heart Wedding Event Planners to get her expert advice on planning the ultimate Autumn Wedding.

Choosing a venue

For me your venue is your very first consideration.  Research, view and then BOOK as soon as you are clear that you have found your place!  Things to consider again are the style of wedding you are wanting.  For Autumn weddings I usually recommend having an indoor wedding as days are getting cooler and you don’t want your guests to freeze in an icy, windy outdoor setting.  The size of your wedding is probably the biggest determinant of where you should be booking.  There are a few things that I would be including on my list of questions to ask the venues:  

  • Are you allowed to style the venue to your own theme, or is the venue sticky about allowing you to have carte blanche with creating your mood?  
  • Do you have to use their catering and alcohol or can you DIY and choose your own caterers?
  • Is there a minimum spend for the event?  
  • Is the venue size appropriate for your guest numbers?  Too large and your guests will be dwarfed by the size of the room, too small and your dance floor might be sacrificed.

Hiring a photographer

My advice to brides is to book your photographer as soon as you have your venue confirmed.  Once your venue and date is locked in you should start looking for that photographer whose work best reflects the images and mood that you have in mind for your own photos.  Booking too early, before you have your venue confirmed, can mean that your date might change and your photographer may not be available or able to change your date which means you end up losing your security deposit.  Waiting too long may also mean that you don’t have the option of selecting the best photographer for your day.

Source: Toowoomba White Wedding and Event Hire

Which flowers are best for an Autumn wedding?

When choosing flowers for your Autumn wedding I would start with your colour palette and wedding theme.  A good wedding floral designer will work with you to create unique flower arrangements and bouquets that accessorise you the best.  Pinterest is a good place to start to develop an idea of your theme, but nothing beats working with your floral designer to create a unique look designed with you and your wedding in mind.

I always encourage my brides to go for flowers that are hardy, will last and will look stunning even when they are out of water for the day.  That being said, here in Australia we have such an abundance of beautiful native varieties that are guaranteed to make a statement.  I usually encourage my brides to use the old favourites – we can never go wrong with roses!!  And they are available all year round.  In addition I recommend Tulips, my favourite red Amaranthus to create those beautiful soft cascades, Carnations (yes they are definitely back in vogue and SO hardy), Daphne in pink, purple and white, strong and hardy Chrysanthemums in a range of colours, Freesias ( a little bit more expensive) Hyacinth (various colours) and the beautiful soft Snap Dragons.

What about food: Sit down meal or buffet?

There are three things that will keep your guests raving about how amazing your wedding was: great food, enough alcohol, and great entertainment.  So choosing your wedding food is top on your list of priorities.  It really doesn’t matter what you choose, as long as there is enough of it, and it is great quality.  From Brazilian BBQ and Paella pans, to formal seated dining, your budget will determine what you can afford, and your wedding theme will determine whether its canapes and cocktails, or seated and plated.

Hiring a car

Autumn weddings, whilst beautiful for lighting and great mild days, might also mean that the days are a little colder with the possibility of rain.  My advice to all my brides is – NO CONVERTIBLES – they may seem romantic but hey, the wind just messes with your hair and makeup which is not really worth the stress.  I would choose a wedding car style based on the style and theme of your wedding:  wedding combis are a great idea for beach weddings; vintage Rolls Royces are a must if yours is the big formal affair; stretch limos work wonderfully for a large bridal party – you get the idea.  

Source: Amazing Limousines

Your bridal party numbers are also a big consideration – how many of you will there be? Do you all want to have the fun of travelling together, or would you rather multiple cars with the bride travelling in style?

Contact local wedding car hire experts

What are your top money saving tips?

Prioritise those things you absolutely HAVE to have – dress, venue, food, alcohol, photographer, entertainment, flowers – and start to cut costs on items that aren’t essential.  For example – instead of spending thousands of dollars on invitations, use an online print service combined with email invitations.  Most guests will post your invitation on their fridge to remind them of the date, and it’s into the bin after that. Create a budget, rework it and rework it and then … stick to it no matter what!

Advice to brides on staying calm?

Draw up a project plan, understand what you can achieve alone and where you need assistance.  Don’t rely on friends to get the big things done – it usually creates a huge amount of stress the closer you get to the wedding. Hire a wedding planner or day of wedding coordinator.  Don’t sweat the small stuff!!  And take good care of yourself. Probably most importantly – don’t lose sight of the fact that after the wedding there is a beautiful marriage ahead – stay close to your fiancé and share the load.

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Gardening & landscaping

Lawnmowers: Which type is best for you?

Maintaining a lawn involves a lot of work, and one of the most important tools that will help you in keeping your lawn neat and trim is a lawnmower. Buying a lawnmower is a decision that should be made with a lot of thought given to the types of lawn mowers available, the area occupied by your lawn and your budget. 

Different types of lawnmowers

Manual mower:

Manual mowers are not powered and depend on human effort to carry them ahead. Although they do require a sufficient amount of energy, recent improvements in design have rendered manual lawn mowers easier to operate. They are best suited for small, flat areas that need to be mowed. Some of the pros of buying a manual lawn mower are that they are environmentally friendly and inexpensive.

Electric lawn mowers

Electric lawnmowers are powered by electricity, which is supplied through a power cord. They’re relatively lightweight and small, so they’re ideal for those who don’t fancy the idea of pushing a heavy, monster-sized mower. Electric lawnmowers are also better for the environment, as they don’t produce emissions or fumes, so there’s no pollution. In addition, they’re quieter than petrol-powered motors, so you’re cutting down on noise pollution as well. They are incredibly convenient; all you have to do is make sure that there’s a power outlet nearby and then plug the power cord in. You don’t have to keep petrol on hand, and there is no danger of running out of fuel.

On the downside, there is the inconvenience of having to use a power cord. You need to keep it out of the way while you are moving; otherwise, you could cut right through it with the mower blades. Using a cord may also limit how far you can push your mower. If you have several power outlets located outside, this sound not be a problem, but you will probably have to change outlets a few times if you’re mowing the entire lawn. In addition, electric mowers operate more slowly than petrol ones, as they have a smaller cutting diameter. You are also a bit more limited in setting cutting heights.

Most sit-in lawnmowers are petrol lawnmowers / Source: Preferred Property Care

Cordless mower

Cordless electric lawn mowers are the best option if you do not want the hassle of having to attach a long extension cord every time you need to mow your lawn. Powered by batteries, cordless electric lawn mowers are increasing in popularity, as modern technology allows for batteries to produce power that is sufficient to effectively mow a medium-sized lawn. However, this battery generated power is still not adequate enough to effectively mow long grass.

Petrol lawnmowers

Petrol lawnmowers are fueled by the exact same type of petrol that you get at the service station. They are ideal for larger lawns because you don’t have to worry about accessibility to a power outlet. They use a wide cutting diameter, so you will be able to cut the grass faster. They also handle thick, dense areas of grass remarkably well.

On the downside, you will need to have enough petrol on hand to run the mower, and you’ll also need a place to store the extra petrol. In addition, petrol mowers do produce petrol fumes and emissions, so they’re not an environmentally-friendly choice. Added to that, they’re pretty noisy, and they also tend to be significantly heavier to push than electric mowers. As for maintenance, if you’re using a two-stroke mower, you will need to pour some oil into the petrol before you start; otherwise, four-stroke mowers do just fine without the oil.

Tips for mowing the lawn 

The right technique of mowing the lawn is essential to ensure its proper upkeep. An experienced gardener be able to provide expert guidance on how to properly maintain your lawn. However, below we have provided you with some starting tips to make your lawn look beautiful

Contact local gardeners

Check the height

The recommended height of your grass depends on the breed. If you are unsure, try using the internet to research the optimal length of your grass. Cutting the grass too short can result in opportunities for weeds to grow. Leaving the grass too long can result in damage to your lawnmower blades when you do decide to cut your grass. Furthermore, getting the correct grass length for your grass breed makes your lawn look aesthetically appealing. A basic formula is cutting back one-third the length of the grass blade when mowing.

 Add finishing touches

The finishing touches, after mowing, will result in your lawn looking tidier and healthier. Edging and trimming are an essential finishing touch. Edgers help to neatly trim the edge of your lawn, making it look neater when lined up against the pathway or driveway. Trimmers, meanwhile, are more versatile and can be used anywhere to shorten the grass.

Understand basic mowing techniques

The grass will be healthier if the same patch of lawn is not mowed over again repeatedly. Even throughout the same mowing session and every time you mow, try to mow in a different direction. This will help prevent the grass from becoming coarse and dry

Practice safety

Before starting a mowing session check to see if there are any hazards on the lawn. Walk over the lawn and check for objects such as toys that may have been left on your lawn. These objects will get caught in your mower. Wearing protective gear, particularly on your hands and over your eyes will also keep you safe. Always wear close-toed shoes when mowing. If you are susceptible to pollen allergies, take suitable precautions.

Your grass will look healthier when it is mown using these tips / Source: Ken McKay Homes

Help the environment

Instead of using a gas mower, try using an electric or a push mower. In doing this you can cut down your environmental footprint and you will also make less noise. We recommend that the mown grass clippings should be left where they are clipped as they are a form of natural fertiliser and improve the health of your grass.

Mow dry grass

It is best to mow lawns when the grass is dry. Mowing wet grass can increase the chances of your lawn catching diseases. Mowing on wet grass also increases the risk of accidents occurring. Fortunately, it is easier to mow dry grass as the blades do not slip off of the grass. Mowing dry grass will make the cut smoother and cleaner.

Categories
Real estate & moving

Expert advice: Selling a house at auction

If you’re thinking of selling your house at auction, you will need to consider the positives and negatives of choosing this selling method. When you sell at auction, you’ll have a set time to market your home and a set date for the sale of your property. An auction can also generate a great deal of excitement and competition if there are many people interested in your property. But there’s no guarantee that your home will sell for the amount you desire. So here are seven tips to help you increase your chances of success.

1. Find a good real estate agent

Look for an agent who has a proven track record for auctions in your local area. You can compare agents by asking for their results from recent auctions. Have a look at the number of properties that were sold successfully, ie the reserve amount was met. Or you could consider attending an agent’s auctions to get an idea of how your own auction would be handled. You might also want to consider things like the agent’s experience, reputation, negotiation skills, and strategic approach to marketing.

What’s more, you can compare real estate agent fees and commissions to help you choose the right agent. Fees and commissions vary depending on which state or city you live in, but it generally includes negotiating and marketing fees, and the commission is usually between 1% and 5% of your property’s final sale price.

There are several steps to take before putting your home up for auction / Source: Pictures by Sean

2. Create an advertising budget

According to data obtained by LocalAgentFinder, most real estate agencies will charge between $1,000 to $5,000 on marketing costs for a typical individual property, with the majority trending towards a budget under $2,000. Many homes sold by auction are usually scheduled to sell after 30 days. By creating an advertising budget that’ll last for this time period or more, you’ll be able to advertise your home up until auction day. The point is to let buyers know that your home is on the market. And when you have the funds on hand, you can quickly generate interest in your upcoming auction from the start and continue to attract potential buyers until your home’s ready for sale.

3. Hold open house inspections

Another way to attract a lot of qualified and interested buyers to your auction is to conduct open house inspections. Since you only have a limited time to market your home, you need to showcase its best features. Most importantly, the house should be prepared for sale with styling and presentation and an have a strong deep clean before the openings. Here is a list of essentials to prepare your house for the inspections.

4. Pay attention to feedback

If your agent gives you buyer feedback from the open house inspections and inquiries, take these comments into consideration when presenting your property in the future and setting your reserve price. After all, when you cater to the needs and wants of buyers, you’ll have a higher chance of achieving a strong sale price.

5. Choose a realistic reserve price

You should set a reserve price that’s based on recent comparable property sales. You’ll need to compare the asking price of homes similar to yours and the price they sold for, and then decide on a reserve amount. Keep in mind that only you, your agent, and the auctioneer should know about your reserve price before auction day.

Contact local real estate agents

6. Be present on auction day

It’s best to be present on the day your property goes under the hammer. By directly observing the auction process and buyer interest in your property, you’ll be able to make better, more informed decisions in any negotiation after the auction.

7. Negotiate or run another auction when your home is passed in

If your reserve price is reached at auction, your property is considered to be on the market and is sold to the highest bidder. But if your reserve price isn’t met and your property is passed in, you can negotiate with the highest bidder or run an auction again on another day and get a great result.

By keeping these tips in mind, you can improve the likelihood of a successful auction.

Categories
Design & technology

The best apps for small businesses

Running a small business often means doing several jobs at once.

As the business owner, you are simultaneously the employer, employee, accountant and admin as well as anything else that pops up during the course of a job.

If you feel like your time is constantly being pulled in multiple directions, and it is hard to stay on top of your tasks, don’t worry, we have a curated series of apps to help get your time back under control.

General productivity

Google Keep – iOS/Google Play

If you find that you are always misplacing notes, then Google Keep is for you. Keep’s strength comes from its simple design and tagging system. Quickly jot down a note and then either colour code it to the job it is related to or add a label for easy searching at a later date.

Keep also has a handwriting to text feature. Which, while admittedly not perfect, is an excellent way to save your pen and paper notes to the cloud!

You can also add photos, audio files and video to your notes as well, ensuring you have all of your information readily accessible no matter where you are.

Time management

Toggl – iOS/Google Play

With the press of a button, Toggl will track your time down to the second. This app is useful if you have billable hours that you need to account for, as well as getting a measure of how your time is spent. You can track different activities, and, importantly multiple employees which you can then break down into smaller groups as needed.

Ensuring that you are making the most of the time you have on a project is an excellent way to minimise stress and manage your workload.

Toggl is free for up to five users. The paid version, however, allows an unlimited number of users to log time as well adding rates and sub-projects.

Project management

Trello – iOS/Google Play

If you work in a highly visual manner, then Trello is the to-do app for you! Trello is a digital version of the Kanban system. You create a board with a series of cards to move across the different stages of a project. From quoting, to in progress, to complete. You can also assign cards to employees ensuring that everyone knows what part his or her role is in the project and who has dependencies at the different stages.

Having an overview of the project’s progress will give you a much clearer idea of the remaining time and costs involved and ultimately keep you and your staff on task.

Trello is free for personal use but does incur a fee if you are signing up multiple people under the one business.

Accounting

Invoice2go – iOS/Google Play

Invoice2go makes your accounting simple. With a few swipes you can invoice a client on the spot. Either by emailing them or exporting a PDF and printing.

It also keeps all of your accounts in the cloud, meaning wherever you are you can access your invoices, estimates and purchase orders from your office.

Users, reportedly, spend an average of three hours a week less on their accounting, meaning that you can devote more time doing what you do best – helping the customer!

If you are feeling overwhelmed at the thought of all you have to do, being able to keep all your notes in the one place, track your time, plan and manage projects and invoice on the go by downloading a few apps to help streamline your business will ultimately save you both time and money.

Categories
Finance

5 common small business myths

When you start your own business, it can be easy to fall into the trap of believing in myths. From bookkeeping to customer service, there are plenty out there – and some of them seem true enough to take seriously. The problem with this? They can steer your business in the wrong direction.

Put simply, it’s about time SMEs stopped spinning so many plates – especially when some plates aren’t worth the time. Here are five small business myths you need to stop believing.

Myth 1: Bookkeeping is just about the numbers

It’s a common myth that bookkeeping is a numbers game. While it’s true that numbers do have a big part to play, it’s actually much more than this. Essentially, a bookeeper is responsible for organising and storing accounting and financial documents such as statements, income tax records, ledgers and journals.

Source: Conveyancing.com.au NSW

In fact, there are many skills that a good bookkeeper needs to help keep a business afloat that goes beyond being savvy with numbers. Discipline, good communication and a high level of organisation are required. They also need to have a solid understanding of the bigger picture, which means, knowing how expenses or new staff hires will impact the business six or 12 months down the track.

Proper bookkeeping makes it easier to fulfill tax obligations, analyse and manage finances, make plans for the business, and abide by the law. Consult with a local bookkeeper for some professional advice.

Myth 2: Be active on all social media platforms

For small businesses, it’s important to be active on social media. However, it’s equally as important to be active on the right platforms in the right way.

The truth is, being present on every single platform can be overkill. While it might seem easy to use software tools to publish your content automatically across several channels, what works on Facebook doesn’t necessarily work on Twitter or LinkedIn.

Take extra time to optimise your content for each platform. Think about the tone, angle and word length of each post, making sure it’s appropriate for your different audiences. Do your research and find out where your customers are having promising conversations and narrow your presence to where this is happening.

Myth 3: You should be working all the time

Running a small business will certainly keep you busy. It often feels like there is so much to do and so little time to do it. So we overwork ourselves to keep on top of things. However, everyone is human – and everyone needs a break.

Need proof? It’s actually scientifically proven that prioritising your breaks at work will make you happier, more focused and more productive. Taking breaks gives our brains a much-needed rest, allowing us to get back to our tasks with renewed energy and focus. They also relax our brains, helping us retain information and make valuable connections, as well as reevaluate our goals.

Simply put, making time for breaks equals making time for your business.

Myth 4: Voluntary administration is the end of your business

While some people might see it as an extreme action, voluntary administration can be a smart move. The truth is, when your business is in a sticky situation where debts can’t be paid, restructuring your operations, creditors and assets is a way of potentially improving your financial position.

The aim of voluntary administration (VA) is always to get a business back to financial health if possible, or to make sure that creditors get a better return than if the business was liquidated.

If you’re up against the wall, going into VA can give your business breathing space, as an external administrator takes control of your business while its finances can be reviewed. It’s a simple process, and contrary to what some people believe, can help your business get back on track.

Contact local bookkeepers

Myth 5: The customer is always right

There’s no denying that customers are crucial to your business. However, it’s important to balance their needs with yours and your employees’ needs too. Here are three instances when the customer is actually wrong:

  • When they make you or your staff unhappy
    Nobody deserves abuse. Sometimes customers get angry and expect people to be held accountable. However, if you know you or your employee to be right, it’s best to hold your ground. 
  • When they’re bad for business
    If a customer is disrespectful for absolutely no reason – it’s better to let them go. It shouldn’t be a matter of finances, especially if it’s causing you or your staff unnecessary trouble.
  • When they’re not worth it
    Some customers simply aren’t valuable to your business, particularly if they’re giving your staff trouble time and time again. Instead, it’s better to focus on customers that deserve your services and are willing to work with you.

Be a small business myth buster

Sometimes it can be tricky to figure out myth from reality. While busting myths is something you’ll naturally do when running a SME, it’s always helpful to know what to believe and what to dismiss before going in.

Categories
Walls & flooring

How to install underfloor insulation

What is underfloor insulation?

Underfloor insulation is an extra layer added underneath floorboards to prevent hot or cold air from escaping the home. Insulation can come in various different materials, such as polystyrene board, batt insulation and reflective foil.

Benefits of underfloor insulation

Floor insulation has many benefits. The main reasons why homeowners choose to install insulation in floors include:

Soundproofing

Your flooring can allow sounds and reverberations to filter through. With an insulating barrier between floorboards and the outside, the acoustics of vibration and sound waves is limited, resulting in a quieter environment.

Energy-efficient

By insulating your floors and ceilings, energy savings of up to 45% is possible. Whether you have hardwood floors with joists or a concrete slab, your floors are responsible for a considerable amount of heat loss. 

Saves you money in the long run

Underfloor insulation will keep your home warmer in the winter and cool in the summer. The need to use heating and air conditioning will be significantly reduced, which will save you money when it comes to your energy bills. Even though underfloor insulation costs money to install, it should pay off in the long run when you spend less on heating and cooling. 

Easy to install 

There is not a lot of complicated installation requirements that comes with under house insulation. Fitting insulation between floor joints can be a simple procedure. Different types of insulation include:

  • Fibreglass/wool batts
  • Rock wool batts
  • Polyurethane foam
  • Polystyrene panels
The insulation must be fit securely in-between the joists / Source: Shutterstock

When can a home’s floors be insulated?

A home’s floors can be insulated any time, provided there is enough crawl space to access under the home. However, it is much easier to have this work done during a home’s initial construction.

Retrofitting

Retrofitting is the process of installing insulation to an already existing home. If your home has joist and stump floors, insulation is made to fit within the wooden slats. However, if your home sits on a slab, an experienced contractor in insulation installation is recommended. An expert will be required to assess whether there is enough space to go in and install the insulation. 

During initial construction

Fitting underfloor insulation is easiest when the home is being constructed. Rigid foam insulation can be glued or fitted between wood sleepers and can also be done on top of finished concrete. Some homeowners incorporate radiant heating coils. A general contractor often has the means to place the installation while installing the floors.

Contact local insulation experts

How to install underfloor insulation

Install the strapping

Strapping consists of wire fasteners that are secured on floor joists. If using on concrete, plastic strapping is recommended. Wiring wrapped around a nail on both rafters is often used in securing. 

Open insulation packets and let it expand

Before fitting insulation pieces between joists, allow them to air out and expand. This will prevent your strapping from being too snug.

Put the insulation in place

Insulation is designed to fit securely between joists to cover any holes or cracks on the surface. Make sure the entire length of the insulation is firmly in place.

What homes would benefit from underfloor insulation?

Homes in colder climates that are prone to heat loss will dramatically benefit from underfloor insulation. Additionally, homes that have a large number of tiled areas will also benefit. Placing insulation under bathroom floor areas can cut your heat loss by up to 40%. Homeowners often take steps to add insulation to ceilings, walls and roof joists, but neglect to realize the heat loss from a floor. 

If you are in the process of building your own home in Canberra or elsewhere, underfloor insulation is an important thing to consider. It will be much easier to install before your home is completed. If you are looking to buy a brand new home, make sure this detail has been addressed. You can also use this feature as a bargaining tool in your offer to buy a house. 

Protective equipment must be worn when handling insulation / Source: Shutterstock

How to hire an insulation expert

Regardless of an existing house or one that is under construction, hiring an insulation expert is always a good idea. You want your home to be as comfortable as possible. Insulation experts have the education and experience to complete the job correctly. While it is not always required to use an insulation expert, knowing that the work has been done accurately and is guaranteed will give you peace of mind.

Licensing per location

Each state has a required license for building classification. Ensure the professional you hire has the correct licensing to complete the job before you agree to work with them. Other factors to check are:

  • Number of years of experience
  • References and reviews
  • Break down of costs

Not every contractor will have experience in insulation installation. Make sure that your candidate has the background knowledge to do a proper job. An energy assessment can also explain how and why installing insulation under your floor can save money and make you more comfortable. A qualified insulation expert will also be familiar with the building codes in your area and can help to keep you up to code.

Categories
Design & technology

Best free apps for small business owners

Growing a small business 20 years ago compared to now has changed significantly, thanks to always-evolving technology, increased competition in the economy and a faster-paced way of living. Nowadays, business owners have turned to apps, to help with the way they organise to-do lists, invoices and everything in between; saving time and money. In no particular order, here are six free apps that will change the way you conduct your business:  

1. Boomerang

Available on Google Chrome web browser, Google Play

applications for business

Boomerang, an application that acts as an add-on for Gmail, assists you with the organisation of personal as well as business-orientated emails.

From letting you set a notification pop-up if you haven’t received a reply on an email within a specified amount of time, to letting you ‘boomerang’ messages back to the top of your inbox at the time when you actually need to pay attention to it. But the main feature that makes this app a winner is how you’ll be able to schedule emails to send later on. This feature allows for you to write all your emails on weekends or late at night, and schedule to send it at a more appropriate time.

2. Oneflare for Business

Available on iTunes, Google Play

Gaining exposure to new customers is always at the forefront of any growing and evolving small business. The Oneflare for Business app connects you with customers looking for your expertise; whether that’s pet grooming, plumbing, interior design or everything in between. The app which helps you find work when you want it, utilises a clean, simple layout that suits even the least tech-savvy user. Get notified instantly of available work within your area and respond with a detailed quote and even communicate with potential customers within the application itself. With more than 10,000 new jobs posted on Oneflare each week, it’s the smartest way to connect with customers and build your business even further.

3. Mint

Available on iTunes, Google Play

phone apps for business small businesses

Mint is your go-to app for managing finances and potentially saving your business some dollars. Whether it be personal or business finances, the app allows you to securely consolidate your accounts, track how much you’re spending, and receive alerts when bills are due. Set reminders and finance goals, tag expenditures by category, and view your financial data as simple charts or Excel spreadsheets in a way that’s easy to digest.

4. Evernote

Available on iTunes, Google Play

evernote app easy business

Evernote is a one-stop shop for all your personal and professional projects – take notes, create to-do lists, save voice memos, save photos, scan documents and even save sketches – and share it all with coworkers. Best of all, the app synchronises everything between your phone, tablet and computer automatically. Easy!

5. Invoice2Go

Available on iTunes, Google Play

invoice2go apps make life easier

This cloud-based app makes invoicing and quoting a breeze for your small business. Invoice2Go is the ideal invoicing solution for all types of businesses. You can even invoice on the spot: right when you finish a job, email or print your PDF invoice by a click of a button right from the app.

6. Weebly

Available on iTunes, Google Play

weebly

It’s the 21st century and your small business basically doesn’t exist without some form of online presence. Weebly makes website creation easy for the less creative-minded, you certainly don’t have to be a web-designer professional to use it! Simply drag and drop images, logos and maps into a chosen template, and add text wherever you wish. Publish your new website quickly and easily right from your tablet.

No one ever said starting your own business was going to be easy. However hard work and dedication can be made easier thanks to the help of a few useful apps.

Categories
Finance

Top 7 tax deductions for tradies

Tax deductions are a great way to claim back much needed cash at the end of financial year. There are many expenses that you are able to claim in your tax return, the top 7 tax reductions for tradies are explained below:

1. Transport expenses

As a tradie chances are your van or ute is your main method of transportation for taking you from job to job. As long as you can prove that you are using your vehicle for business purposes then you are able to claim back the purchase cost and any ongoing operating costs associated with the vehicle.

There are two different ways in which you can track your mileage in order to claim back the cost of running your vehicle for business purposes: the logbook method and the cents per kilometer method. If you choose to use the log book method you will need to prove your odometer readings for a time period of at least 12 consecutive weeks. By tracking the mileage you can claim the percentage of vehicle expenses allocated to business use, including running costs and depreciation. The cents per kilometre method allows you to claim $0.66 per kilometre on up to 5000 kilometres of business travel.

Source: Wills Plumbing And Property Maintenance Pty Ltd

2.  Tools and equipment

You can claim GST credits for the tools and equipment that you purchase to help you run your business. Items that cost up to $300 can be claimed as a tax deduction immediately. For items that cost over $300 you are able to claim a deduction on the items decline in value.

3. Clothing

If your profession requires you to wear specialist protective clothing such as steel capped boots, high-vis jackets, safety glasses and helmets can be claimed as a deduction. It is also possible to claim GST credits for the cleaning of your work clothes. Should the cost of cleaning exceed $150 you will need to provide receipts. For cleaning specialist work clothing on a regular basis you can claim a deduction of $1 for an entire load of work clothing; or $0.50 when the load is partially work wear.

4. Training courses, licences and certificates

If you’re undertaking any training courses or studying for any qualifications that relate to your trade, you are able to claim back the cost. You must be undertaking said qualification or training course to improve or maintain your skills in your profession only in order for them to be tax deductible.

5. Communications

You’re eligible to claim back the cost of work related phone and internet expenses. For claims more than $50 you need to work out the percentage that is used for work time only over a 4 week period, this can then be applied to the full income year. You will need to prove this with records in the form of bills, electronic summaries or diary entries.

6. Travel expenses

You can claim expenses associated with travelling for work purposes, such as accommodation, meals and transportation costs  i.e. taxi fares. These costs are deductible as long as you have proof of purchase in the form of receipts.

7. Union and association fees

The cost of union fees or subscriptions to professional associations are claimable in your annual tax return. Use your statement of fees or subscriptions paid as proof of your membership when submitting your return.

Other small business tax deductions

Everyone has tax obligations and must part with a percentage of their income at the end of every year. Business owners have additional tax burdens based on their business process and profit. It’s important that they conduct a break-even analysis and examine expenses and income carefully to determine how much they need to pay every year.

Source: Receipt Books

What is a small business?

Before you look at possible tax deduction options, you need to know whether your business is legally considered a small business. According to the government, businesses that have an annual turnover of $2 million or less are considered small. All of your businesses, including connected and affiliated ventures, are included in this bracket. This means you can’t split your business in order to remain under the $2 million mark.

Small business tax deductions you can claim

As a business owner, you know that you need to spend money to make it. Generally, the biggest portion of your income is funnelled back into your business to pay for essential business expenses and to generate more income. You can get tax deductions for most of the money you cycle back into your business. Many small business owners attempt to abuse this system and claim deductions for frivolous and unneeded expenses. Conversely, many miss opportunities to deduct tax and end up paying more than they need to. Here is a small business tax deductions list that most businesses can lay claim to:

  1. Advertising and sponsorship – Advertising raises awareness of your brand and brings customers to your doorstep, which generates income and profit for your company. Any investment you make towards advertising is tax deductible because it is an essential business expense. You also get tax deductions for advertising during the recruitment process, as hiring employees is also an essential business expense.
  2. Business-related travel – Travelling for business can be an expensive affair, especially if you need to travel to distant locations on a regular basis. As this travel is needed to help generate income, the expenses are deductible. You just need to maintain a clear record of your expenses. Preserve all your receipts, keep copies of your itinerary, record all your expenses and provide reasons for your travels. All of these expenses will be tax deductible. Make sure you don’t include any expenses that are counted as entertainment. For example, if you visit a different country and attend a concert during the business trip, you can’t claim deductions for the money you spent on the concert.
  3. Bad debts – Small business owners often struggle with bad debts, especially when they’re first starting out and have problems with cash flow. Some business debts have to be written off because business owners simply don’t have the resources to pay back the debt. This debt should be included as accessible income in the current year or previous year’s statements. It should also be written off as bad in the same year in order to claim a deduction.
  4. Borrowed money – If you need to borrow money you can claim deductions on that. You just need to prove that the money you borrowed helps provide accessible income to your business. Expenses on borrowed money can be legal costs, valuation fees, overdraft guarantee fees, registration fees, etc. These deductions are different from the deductions you get for paying interest on borrowed money, so make sure to claim both.
  5. Fringe benefits – If you provide fringe benefits to your employees, it’s considered a business expense and you can get tax deductions on it.
  6. Repairs and maintenance – Repairs and maintenance of your commercial property is an essential business expense and helps generate income as well. You need to make sure these expenses aren’t considered “capital costs.” You can claim deductions for thing like painting, plumbing, cleaning, up-keep, machine servicing and maintenance.
  7. Insurance – A number of insurance schemes are tax deductible as they’re considered essential business expenses as well. For example, you can get deductions for Worker’s Compensation, fire, public liability, vehicle, theft and loss of profit insurance premiums.
  8. Superannuation funds – You get deductions for contributions you make to your employee’s superannuation funds. You can also get deductions for your own superannuation funds.
  9. Salary – Salaries and wages paid to employees and workers are tax-deductible because they contribute towards your company’s revenue and profit. However, you need to keep in mind that all salaries are connected to your business and generate profit for your business. Sole traders can’t claim salaries paid to themselves. 
Categories
Design & technology

Top 5 website design mistakes

The internet provides unlimited access to knowledge which means that just about anyone can teach themselves how to do web design. Unfortunately, this can have a negative impact on the effectiveness of the DIY website they create as a result. Here are several common web design mistakes small businesses make that must not be overlooked.

1. Cramming too much on the homepage

While you may be in a rush to present your audience with all you stand for and show them everything you have to offer, trying to cram too much on the homepage usually isn’t a great idea. There are two major reasons behind this. First, it will make your navigation counter-intuitive, seeing as your audience won’t know where to click. This results in bad user experience. 

Secondly, every single element you include requires an additional HTTP request. This can slow down your website significantly. Due to the fact that your audience expects a website to load within the first 2 seconds (on average), this might become a significant problem. If your website fails to load within the first 4 seconds, as much as 25 percent of your audience may move on. It’s also a negative signal for search engines.

2. Failing to introduce yourself

One of the greatest mistakes you can possibly make in your web design is assuming that the visitor will know what you are all about the moment they click on the link. Sure, some of your audience members are more intuitive than others, while a great deal of them knew who you were even before they clicked the link, however, this should not be your initial assumption. Your design and your content must first be oriented towards the introduction.

Web designers can optimise your website for all types of devices / Source: Webilicious Web Design

3. Rushing with your CTA button

Every website out there has an agenda. You may want your visitors to buy a product, leave an email, subscribe to your newsletter or simply encourage them to learn more about the topic at hand. Unfortunately, pushing them to make this decision before they are ready to do so may backfire. In order to avoid this, make sure to introduce yourself and show them what you have to offer, before presenting them with your call-to-action (CTA) button.

4. Failing the consistency test

These days, more people are browsing the internet through their smartphones than through their desktop setups. On the other hand, more people use PCs than tablets, which puts you in a complicated situation design-wise. Sure, appealing to one audience may seem a preferable choice but you simply cannot allow yourself to ignore all the rest. Your website needs to show consistency in both visuals and functionality across all devices and failure to do so will impact negatively on user experience.

Contact local web designers

5. Ignoring white space

Earlier on, we talked about cramming too much content from the perspective of the website loading time. In addition to this, ignoring the white space and inserting too many interactive elements into your design reduces the readability of your content. Separating paragraphs within your content and leaving enough space between different elements of your webpage is something that will make it more visually appealing. In this way, you are increasing the chance that people (especially those on mobile devices) will actually skim through or read your content. In a world where 8 out of 10 people don’t read past the headline, this is very important.

By acknowledging these important failures of web design, you are ensuring that your website will make a great first impression on your audience. In this way, you are also increasing its reach and its average conversion rate. Finally, while the above-listed principles are quite intuitive, a lot of DIY designers tend to ignore them. Nonetheless, keeping them in mind at all times can ensure your web design is always on point.

Categories
Finance

What’s best for a small business to outsource?

Small businesses have a limited budget and can’t always afford to have full-time employees on their payroll to handle different tasks. This doesn’t mean you need to handle all essential business tasks on your own. Small business owners should focus most of their energy on business tasks and processes that require their particular skill and attention.

They can delegate ordinary business processes to a third party through outsourcing. You can maintain a lean organisation, stay within your operations budget and still get work done.

What can you outsource?

Different businesses have different requirements so it’s important to study your business processes, understand your budget and look at your employees’ skills and abilities before you determine what you should and shouldn’t outsource. Mentioned below is a list of services you can easily outsource. You can study the pros and cons of every option and make your decision.

HR outsourcing

When you have employees, you need to manage their needs and requirement though a Human Resource system. The HR department of a company maintains employee records, keeps track of their insurance cover, performance reports, leaves and absences, complaints and requests and other such information. All of these records need to be properly managed and maintained.

HR is also responsible for employee development and helps organise training. If your employees don’t have proper support from HR, they might not be inclined to remain in your company and seek employment elsewhere.

As a business owner you need to provide this support system and you can do it by outsourcing the task to an external HR company. They will handle all aspects of HR support and development, so your employees will be satisfied and perform well.

Payroll outsourcing

Business owners often underestimate how complex payroll management can be. It goes beyond keeping a record of employee payments and salaries. You need to keep track of their working hours, record leaves, bonuses and make sure all the employee information is up-to-date. Mistakes can lead to penalties, fines and sanctions, so it’s important to keep a good payroll record and ensure all the information in it is accurate.

One of the best ways to achieve this is to hire a professional bookkeeper and use a software program to manage the data. If you outsource payroll, you don’t need to worry about the details involved. You can trust the outsourcing professionals to keep all the information up-to-date and ensure there are no mistakes in the records

IT outsourcing

Modern businesses, especially small businesses, rely heavily on their IT systems. They use IT to get work done, store information, manage business processes, handle marketing and provide customer support. Unfortunately, IT systems aren’t infallible and can develop problems like viruses, data loss, software glitches, hardware issues, etc. Big companies have IT departments that can handle these problems and provide essential maintenance.

Smaller businesses can get the same security by outsourcing IT support and maintenance. IT support companies have expert technicians on their staff that can handle all kinds of computer and IT problems. They offer both remote and on-site maintenance and repairs.

IT support and maintenance companies also provide additional services like cloud system, processing power from their server, hosting services, etc. You don’t need to invest in data banks and servers to store your information; you can simply purchase one of the many cloud plans offered by IT support companies

Small business bookkeeping

All businesses need to keep track of their expenses and income through bookkeeping and accountancy. If you don’t keep track of your financial information, your business will suffer and eventually fail. You also need to maintain accurate financial data in order to file your taxes with the government at the year end. If you make mistakes and don’t pay as much tax as you’re supposed to, you’ll face penalties, fines and may even lose your business license.

Unfortunately, bookkeeping isn’t easy, even for small businesses. You need to keep track of all expenses, look at your cash flow, maintain a record of your income, determine what expenses are tax deductable and perform other related tasks. While accounting software can help you maintain the records, it’s not easy to consolidate all the information at the end of the financial year.

How to hire an accountant that meets your business requirements? A well-trained and experienced accountant can help you consolidate information, determine your tax burden, look for tax deductable expenses and provide other financial advice. This can be easily outsourced as well.

Contact local bookkeepers

Legal process outsourcing

Businesses need to handle a number of legal processes like registering trademarks for their brand, developing terms and conditions, creating contracts for customers, employees and business associates, etc. You need advice from a legal professional with experience in the industry to ensure there are no mistakes. Errors in legal process management can lead to law suits and other legal difficulties, so it’s a good idea to hire a company to keep track of all legal aspects of your business.

There are a number of third-party companies with excellent legal experts and lawyers on their team. They can advise you on all aspects of your business and ensure you stay on the right side of the law.

Business process outsourcing

A business is a complex machine with several moving parts. All of these parts must function well and without interruption for the business to move forward. Every business has a number of background processes like customer service, sales, marketing, internal maintenance and repair, etc. A business owner must keep track of these processes and ensure that they’re on track.

Thankfully, you can outsource a large number of these processes as well. For example, you can hire a company to clean and maintain your commercial property instead of creating a permanent cleanup crew.

Wrap up

Outsourcing is easy and affordable, so all you need to do is find a reliable service provider to handle all your processes. Outsourcing allows your business to grow at a reasonable pace and minimises the initial investment. You can direct your resources to areas of your business that truly need it.