STE Financial

01/06/2026

Every quarter, many business owners face the stress of BAS time: late nights, lost receipts, and overwhelming anxiety. But it doesn't have to be that way!

With a well-set-up Xero account and monthly reconciliations, BAS can be a breeze. The real pain lies in disorganized books, not the BAS itself.

Ready to simplify your BAS process? Book a call with us today and discover our proven system for keeping your financials clean. Let's tackle your stress together!

👉 https://stefinancial.com.au/contact-us?mptk=a40f8da2dc7c2d12dabbeb55e1f40a171e52355990e6b008fa81553038cbb38d_98d14d7b9dc7e47999ea8d1eeb1c788f

30/05/2026

Banks view self-employed income differently, and so should you! Your last two years of tax returns, add-backs, and business structure can make all the difference in securing a mortgage.

At STE, we have the expertise to understand your numbers and how lenders interpret them. This unique combination can be the key to turning a potential knock-back into an approval.

Want your Accountant to handle your mortgage too? Drop "Both" in the comments below!

29/05/2026

Last year, a tradie reached out to us feeling overwhelmed and unsure if his business was actually making any money. He was busy, but lacked visibility.

Fast forward three months using Xero and having monthly reviews: he gained full clarity on his finances, increased his prices by 12%, and eliminated unprofitable jobs.

Remember, being busy doesn’t equal being profitable! 💡

Want to take control of your finances? DM us to chat!

28/05/2026

Most self-employed people I talk to are either overclaiming (scary) or underclaiming (costly). Both hurt you.

Here's a simple rule: if it's genuinely for the business, track it. If it's 50/50 personal and work, claim the work portion.

Not sure where you sit? That's exactly what a Xero Health Check is for.

Book a Xero Health Check
https://stefinancial.com.au/contact-us?mptk=fffdec43aee497aaeb8c47632b2aa6fde77aa266628f87eccc08eeb5ab9d5be9_ef73d427d39bfa2d5c8ce961eb459475

13/05/2026

Meet Candice! - Bookkeeper & Admin Support

We're excited to welcome Candice Casagrande to the STE Financial team!

Candice brings a really solid mix of real-world business experience and bookkeeping know-how. She's run her own cafe, managed books across multiple industries, and has a genuine knack for keeping things organised and accurate.

She's across Xero, payroll, BAS, and all the day-to-day stuff you hate doing but keeps your small businesses ticking. Plus she's currently studying her Cert IV in Accounting and Bookkeeping, so she's always levelling up.

When she's not keeping the numbers in order, Candice is an active musician, which probably explains why she's so good at keeping things in rhythm.

We're stoked to have her on board. If you've been thinking about getting your books sorted, now's a great time to reach out.

https://www.stefinancial.com.au?mptk=7834707684a3462b56d3a091e81b95bada23435f842044c619d3acf56a0992b6_0d82b2528f55b8410cd5a8e327e3610c

02/05/2026

With payday super on the way, one in three small businesses expect cash flow to tighten and are preparing by boosting their reserves or spreading their transition over several months between now and July 2026. What are you doing to prepare?

12/04/2026

Here’s a line that stopped me in my tracks this week…

“A bad economy doesn’t create financial problems. It just reveals them.”

I heard this on The Entrepreneurial Bookkeeper - Sharon Francisco podcast, The Sharon Francisco Show, and it got me thinking.

So here’s the question I want you to ask you;
If things turned around tomorrow, would your business actually be in good shape, or would the same underlying issues still be sitting there?

Because when things get tough, it’s easy to point the finger at the economy. But in my experience, the economy isn’t what kills a business. It’s what’s already happening below the revenue line.

Expenses that are too high. Fixed costs that can’t move. No ability to flex when income drops.

These aren’t problems that a downturn creates. They’re problems a downturn exposes.

The businesses that outlast a tough period are the ones that have already built in the ability to flex. When customers pull back, they can pull back too, temporarily, without the wheels falling off.

So the real question isn’t “how do I get more revenue in this poor economy?” It’s “what can I do right now to make sure my business can flex up and down to suit the revenue?”

Give Sharon’s episode a listen, it’s well worth your time.

👉

Podcast Episode · The Sharon Francisco Show · 2 April · 10min

02/02/2026

We are looking for our next STE Team Member to work across our Bookkeeping & Mortgage Broking businesses.

A part time Admin & Bookkeeper working 20 hours per week, with some time in our Kingscliff office and the rest from home.

A workplace built for real life people, if you know what I mean.
We’re good people, and we like being around good people!
We don’t take on more than we can handle.
We back our team when life throws us curveballs.
We’re accountants, but not as you know them.

We work with respect, and we solve problems without drama.
We’ve been around since 2020 and are a close knit team of 4.

How we work
• Strong systems and always improving them
• We bring in tech that saves time and reduces headaches
• We aim to spend more time on business improvement chats, less on compliance grind
• Clients love us and we love them back

Who you are
• A good person who brings good energy
• Really solid in Xero
• Comfortable juggling a few things at once
• Likes a laugh and a team that feels like a team
• Cares about doing things properly

If this sounds like you, send me a message, Email [email protected] or Call 02 6672 1501

30/01/2026

Don’t leave your home loan on autopilot !!!

The guru’s say there is a 94% chance of an Interest rate increase next week.

Take 60seconds and make sure you are on the best rate available.

www.stebroker.com.au/stebroker

19/12/2025

Extra money on the way! 💰 How are you planning to use your tax savings;save it, grow it, or enjoy a little treat? Share your plans and let’s inspire each other to make the most of this boost!