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123 Financial Group

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Newcastle, NSW
123 Financial Group

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123 Financial Group specialises in accounting solutions that make running your business easier—from bookkeeping to smarter financial decisions.

Based in Newcastle, working with clients nationwide.

03/11/2026

Rates went up again today. That’s five rises this year, and your business feels every one of them.

The RBA has lifted the cash rate by 0.25%, taking it to 4.85%. Most of us think about the home loan first. But your business loans, your overdraft and any equipment finance are going up too.

So you get hit twice. Higher repayments in the business come straight off your profit, then your own mortgage costs more at home.

The one thing you control here is your pricing. If you haven’t looked at your prices since rates started climbing, now’s the time. And please don’t start discounting just to keep people coming through the door.

If you’d like a hand working through your numbers, I’m happy to have a chat. You can book a Business Clarity Call with me here: https://tidycal.com/jenrichardson/business-clarity-call

More from us at 123financialgroup.com.au

General information only. Lending criteria, fees and charges apply.

03/11/2026

The cash rate is now 4.85%. That’s the fifth rise this year.

This doesn’t stop at your home loan. Lenders usually pass rises on to business loans, overdrafts and equipment finance too, and every extra dollar in repayments comes straight off your profit.

Three things worth checking this week:

What your new loan repayments will be and when they start
The margin on the jobs or products you sell most
Whether your prices still cover what it actually costs you to deliver

If you’d like me to go through your numbers with you, I’m happy to have a chat. You can book a Business Clarity Call with me here: https://tidycal.com/jenrichardson/business-clarity-call

More from us at 123financialgroup.com.au

General information only. Lending criteria, fees and charges apply.

31/10/2026

Morning meeting, kitchen edition. Coffee first, then the plan for the day.

Some of the most useful meetings in a business are the short ones. Ten minutes with your team before the day kicks off: what’s due, who’s on it, and what’s stuck.

You’ll catch problems before they turn into overtime or an unhappy client.

If it’s just you, do the same with your bank account. What came in, what’s going out this week, and what you need to put aside.

Follow along for more from behind the desk. You’ll find the rest of what we do at 123financialgroup.com.au.

29/10/2026

Forty years as an accountant and I’ve never had anyone tell me they wished they’d spent more weekends working. Have a good one. 😉

29/10/2026

Three months of receipts to catch up on, and your BAS is due. If you’ve been there, you know how miserable it is.

I’ve had an article published in Inside Small Business on the habits that set a new business up to last, and keeping your books up to date every week is one of them.

The others don’t take much time either. Book an hour or two in your diary each week to look at your numbers. Watch a handful of key numbers every week. Move your tax money into its own account every time you’re paid. And find someone in your corner who’ll tell you the truth.

If you’re in your first year of business, or you know someone who is, I’d love you to have a read over the weekend. You’ll find the link below. 👇

https://insidesmallbusiness.com.au/latest-news/the-habits-that-set-a-new-business-up-to-last

Thank you to Diane Burke at CMS for placing this one for me.

Block off an hour or two a week to look at your numbers, plan the next month and fix the things that keep going wrong.

28/10/2026

I see this every year. Someone’s in their first year of business, they’ve lodged every BAS on time, and they think their tax is sorted. Then the tax return comes back with a bill they weren’t expecting.

In your first year, your BAS mostly covers GST and any tax taken out of wages. Your income tax is separate. It’s worked out on your profit for the whole year, after the year’s finished. If nobody tells you that, it’s very easy to spend money that was never yours to spend.

After forty years as an accountant, I’m tired of watching people find this out the hard way. So I’ve been working on something for anyone thinking about starting a business, or in their first couple of years, so they can get it right from the start. It’s coming before Christmas.

If you’d like to hear about it first, comment START or send me a message and I’ll make sure you’re on the list.

And tell me, did anyone ever explain the difference to you? 👇

Address

Suite 24, Level 1/10 Bradford Close Kotara
Newcastle, NSW
2289

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Telephone

+61249207886

Website

https://www.123financialgroup.com.au/

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