John Zerella

John Zerella
Managing Director of AFM Services, driven by wanting to make businesses better.
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Recent Posts

Conquering Base Camp in Nepal

Posted by John Zerella on 05-Dec-2018 15:35:50


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3 Cardinal Rules of Effective Cash Flow

Posted by John Zerella on 28-Feb-2018 10:39:28

Blog post from our friends at BIAS Australia

Did you know that two thirds of all small businesses fail in the first three years of operations? (ABS, 2017) It’s a sad statistic, and time and again I have business owners coming to me telling me that the Achilles heel of their business is their cash flow. The problem doesn’t always lie within a lack of it, effective cash flow management is something that can make or break your small business. Here are my three cardinal rules for just that:

Don’t manage cash flow from the bank balance
This almost goes without saying, but you’d be shocked at how many times I see business owners looking at their bank balance as an indicator of their current position. I cannot stress enough, your bank balance IS NOT AN INDICATOR of how you are tracking financially. You should reconcile from your bank balance, and use you cash balance as your indicator for your current business position.

Know your 6 month balance 
What do you expect your cash balance to be six months from now? This one question will transform the way you manage your business and understand your net position. 
This question really gets to the heart of whether you are managing your business or whether your business is managing you.

Planning is king
Planning your cashflow and understanding you future cash flow position is key to making smart and profitable business decisions. Running your business without a comprehensive cash flow plan is near-guaranteed to cause you problems later down the track. 

If you want to hear my comprehensive 5 step process for bulletproofing YOUR small business, and say goodbye to your cashflow worries – come along to our seminar, ‘Ready. Set. Grow! 2.0’. The follow up to last year’s sell out, we delve into how you can stop burning the candle at both ends, and get your business to where you where you want it to be. 

Ticket available now. Get them here!


The Cashflow Handbook

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2018 Small Business Trends for Success

Posted by John Zerella on 15-Dec-2017 16:38:20

As 2018 approaches, so too does the realisation that I didn't see through my resolution to run a marathon this year. In spite of this, many exciting things did happen this year and with that comes the inevitable outlook of what business trends are going to emerge from 2017 to shape small business behaviour in 2018.

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Topics: 2018, Small business trends

5 Reasons why doing your own bookkeeping is bad for your business

Posted by John Zerella on 11-Dec-2017 17:35:56


Do you currently undertake your own bookkeeping in your business? Like most small business owners, as your business starts it makes logical sense to conduct these activities yourself. Cash saved on outsourcing means more capital to be put back into your business, right? The thing is, as time goes on and your business grows, it becomes necessary to take stock and assess if doing it yourself is really the most cost-effective decision.

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Topics: Bookkeeping