Mums The Word

06/08/2026

DIY can get you started. Growth asks more of the numbers.

If you can’t clearly see where the business stands, where it’s heading or what needs attention, fractional CFO support can give you the clarity and direction to move forward.

06/08/2026

A packed diary can still leave you short on cash.

But being busy just tells you work is happening.
Your numbers tell you whether that work is commercially worthwhile.

Let’s put the diary and the numbers side by side.

Book a discovery call at https://www.mtw.nz/

05/08/2026

Once you know, you can’t unknow.

That’s why visibility matters. Once you can actually see what’s happening in your business, your margins, your cash flow, your costs, the decisions become much easier.

Sometimes the hardest part isn’t making the decision. It’s having the visibility to make the right one.

28/07/2026

Owning a business makes you responsible for the numbers.

Specialist support helps you carry that responsibility properly.

27/07/2026

Just the ones you don't ask.

Tax dates, margins, cashflow, working capital, reports that look like they were designed to make perfectly capable people feel thick.

The sooner we get clear on what’s confusing or feeling off, the sooner we can make a decent decision.

I’ve spent years in the finance world and there's not much I haven't seen.

Ask the question 👏

22/07/2026

One of the quickest ways to make a business look healthier than it is?

Leave the founder out of the numbers.

Underpay yourself and the profit can look fine.
The pricing can look fine.
The cashflow can look fine.

Meanwhile, you’re personally subsidising the business 🫠

Your pay belongs in the financial model alongside tax, overheads and growth.
And if paying yourself properly breaks the numbers, that tells us something useful.

Want to know whether the business can support you properly?

Book a discovery call at https://www.mtw.nz/

21/07/2026

Founders are usually the first cost squeezed when cash gets tight.

Suppliers get paid.
Tax gets set aside.
Software renews.
The owner waits.

That can make a business look healthier than it is.

A proper financial view includes what the founder needs to take home, both now and in the future.

Otherwise, you’re measuring a business that only works while you personally absorb the gap.

Want a clearer view of what your business needs to deliver?
Book a discovery call at https://www.mtw.nz/

17/07/2026

When I look at the financial health of a business, I want to know where the money and effort are paying off.

That means looking at:

• cashflow pressure
• profitability across products, services or customers
• systems creating unnecessary work
• strong areas with room to grow

Founders can spend months fixing every weak spot while missing the part of the business that deserves more backing.

A proper financial review should lead to a decision.

Pull back, tidy it up, or go harder.

This is the thinking behind the Business Financial Health Check.

Want a clearer read on yours?
Book a discovery call at https://www.mtw.nz/

16/07/2026

When I’m looking at the financial health of a business, these are the six areas I come back to.

Together, they give me a clearer picture of what is working, what needs attention, and whether the business is financially supporting where the founder wants to go.

Need a clearer view of what is happening under the hood?
Book a discovery call at https://www.mtw.nz/

08/07/2026

Money isn't just about maths. It's about behaviour.

Most of us don't ignore retirement because we don't care. We ignore it because it feels decades away... until it isn't.

That's why I love anything that makes good financial habits easier.

A friend recently mentioned a Kiwi fintech that helps people top up their KiwiSaver by rounding up everyday purchases and contributing the difference on their behalf.

It's a bit like choosing a gym that's just around the corner. The less effort a good habit takes, the more likely we are to stick with it.

https://www.feijoa.kiwi/

*Not a sponsored post... although if they're reading this, I'd happily accept a box of actual feijoas outside of the three weeks they're in season. 🍈😆

The smart and simple way to grow your KiwiSaver account, every single day