In this solo episode, I finally break down the Profit First system—a concept I mention often but haven’t fully unpacked until now. Whether you’re brand new to Profit First or you’ve tried implementing it in your business, I walk you through exactly what it is, how it works, and why it’s been a game changer for me and so many of my clients.

I share the psychology behind the system, the key accounts to set up, tips for applying it in an Australian context (including GST and super), and how to get started even if things feel tight right now.

What you’ll learn in this episode:

• What Profit First is and where it came from
• How to set up your business with Profit First bank accounts
• Why understanding your financials is crucial—even if numbers scare you
• How to create sustainable rhythms with your money
• How the system adapts to your lifestyle and industry
• Real examples from my clients and my own business

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: info@blubookkeepers.com.au

In this episode of Money First CEO, I walk you through a no-nonsense expense review that every business owner needs. Whether you're starting out or scaling up, it’s time to stop the silent cash leaks and reclaim your financial power. I share practical steps to audit your business expenses, the emotional traps that lead to overspending, and a powerful 4-question filter to help you cut the crap and keep what actually drives momentum. This isn't about being frugal – it's about being intentional and building a business that truly works for you.

What You’ll Learn:

• The difference between spending and investing in your business
• How emotional triggers like FOMO and insecurity lead to unnecessary expenses
• The two types of business expenses: fixed and variable
• My 4-question filter for reviewing every business expense
• How to create a recurring expense list that saves time and money
• Simple ways to cancel, downgrade or renegotiate costs without cutting corners

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: info@blubookkeepers.com.au

In this episode of Money First, CEO, I introduce you to a powerful concept from the Profit First methodology called the 1% shift. As a business owner and professional bookkeeper, I understand the challenges that come with managing finances. That's why I'm sharing how allocating just 1% of your revenue into a separate profit account can begin transforming your financial habits and your identity as a business owner. I'll walk you through common money habits that keep many of us stuck in reactive mode and how this small yet impactful habit can start flipping that script.

I also share a success story from one of my clients, Megan, who runs a freelance design studio. By implementing the 1% shift, Megan moved from feeling broke to stepping into the identity of an empowered business owner. I’ll provide practical steps to help you create a structured financial system, including setting up a separate profit account, celebrating small wins, and understanding the concept of quarterly profit distributions.

You don't need to fully implement the entire Profit First system to benefit from this. This is a step you can take right now, no matter where you are in your business journey. By making this small but consistent effort, you can build a disciplined, confident, and profitable business. Join me as I break down how you can start putting your money first, so the rest can follow organically. If you find value in this episode, don't forget to subscribe, leave a review, and share it with other business owners who can benefit from this simple yet effective financial strategy.

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: info@blubookkeepers.com.au