<?xml version="1.0" encoding="UTF-8" standalone="no"?><rss xmlns:atom="http://www.w3.org/2005/Atom" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" version="2.0">

<channel>
	<title>Financial Management 101</title>
	<atom:link href="https://financialmanagement101.com.au/feed/" rel="self" type="application/rss+xml"/>
	<link>https://financialmanagement101.com.au</link>
	<description>Financial Coach | Karen G Adams</description>
	<lastBuildDate>Wed, 15 Jul 2026 09:07:25 +0000</lastBuildDate>
	<language>en-AU</language>
	<sy:updatePeriod>
	hourly	</sy:updatePeriod>
	<sy:updateFrequency>
	1	</sy:updateFrequency>
	<generator>https://wordpress.org/?v=7.0.3</generator>

<image>
	<url>https://financialmanagement101.com.au/wp-content/uploads/2026/01/cropped-FM101-Logo-preferred-32x32.png</url>
	<title>Financial Management 101</title>
	<link>https://financialmanagement101.com.au</link>
	<width>32</width>
	<height>32</height>
</image> 
	<itunes:explicit>no</itunes:explicit><itunes:subtitle>Financial Coach | Karen G Adams</itunes:subtitle><item>
		<title>How Healthy Is My Business? The 7 Warning Signs Every Small Business Owner Should Know</title>
		<link>https://financialmanagement101.com.au/how-healthy-is-my-business-the-7-warning-signs-every-small-business-owner-should-know/</link>
		
		<dc:creator><![CDATA[Karen G Adams]]></dc:creator>
		<pubDate>Wed, 12 Aug 2026 01:00:00 +0000</pubDate>
				<category><![CDATA[australian business owners]]></category>
		<category><![CDATA[Building Financial Muscle]]></category>
		<category><![CDATA[Business Talks]]></category>
		<category><![CDATA[Educational Series]]></category>
		<category><![CDATA[entrepreneurs]]></category>
		<category><![CDATA[Financial Management 101]]></category>
		<category><![CDATA[Franchisees]]></category>
		<category><![CDATA[Small Business Owners]]></category>
		<category><![CDATA[Tradies]]></category>
		<category><![CDATA[business buffer]]></category>
		<category><![CDATA[business cashflow]]></category>
		<category><![CDATA[business finances]]></category>
		<category><![CDATA[business financial coach]]></category>
		<category><![CDATA[business growth]]></category>
		<category><![CDATA[business owners using AI]]></category>
		<category><![CDATA[business tips]]></category>
		<category><![CDATA[financial management]]></category>
		<category><![CDATA[financial success]]></category>
		<category><![CDATA[financialmanagement101]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[small business owner]]></category>
		<guid isPermaLink="false">https://financialmanagement101.com.au/?p=6536</guid>

					<description><![CDATA[Most people wouldn't drive their car for five years without having it serviced. We understand that regular maintenance prevents expensive breakdowns. Yet that's exactly how many business owners run their businesses.
]]></description>
										<content:encoded><![CDATA[
<div class="et_pb_section et_pb_section_0 et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_0">
				<div class="et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child">
				
				
				
				
				<div class="et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><p><span style="font-weight: 400;">Most people wouldn&#8217;t drive their car for five years without having it serviced. We understand that regular maintenance prevents expensive breakdowns. Yet that&#8217;s exactly how many business owners run their businesses.</span></p>
<ul>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">They work harder.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">They sell more.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">They hire more people.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">They chase bigger goals.</span></li>
</ul>
<p><span style="font-weight: 400;">But they rarely stop and ask one simple question&#8230;</span></p>
<p><b>&#8220;Is my business actually healthy?&#8221;</b></p>
<p><span style="font-weight: 400;">Because being busy isn&#8217;t a measure of health.</span></p>
<p><span style="font-weight: 400;">Neither is turnover.</span></p>
<p><span style="font-weight: 400;">Neither is having money in the bank this week.</span></p>
<p><span style="font-weight: 400;">A healthy business goes much deeper than that.</span></p>
<p><b>Businesses are a lot like people.</b></p>
<p><span style="font-weight: 400;">They have a heartbeat. They have warning signs. They become sick slowly. They recover slowly., and the healthiest ones don&#8217;t happen by accident. </span></p>
<p><span style="font-weight: 400;">They happen because someone pays attention before little problems become big ones.</span></p>
<p><span style="font-weight: 400;">I&#8217;ve worked with business owners who looked incredibly successful from the outside.</span></p>
<ul>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Beautiful offices.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Busy workshops.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Phones ringing.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">New vehicles.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Growing teams.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Yet behind closed doors&#8230;</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">The owner hadn&#8217;t paid themselves properly for months.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Cash flow was unpredictable.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Margins were shrinking.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Tax bills were keeping them awake at night.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Stress had become normal.</span></li>
</ul>
<p><span style="font-weight: 400;">From the outside&#8230;</span></p>
<p><span style="font-weight: 400;">Healthy.</span></p>
<p><span style="font-weight: 400;">On the inside&#8230;</span></p>
<p><span style="font-weight: 400;">Critically unhealthy.</span></p>
<p><span style="font-weight: 400;">Does that sound familiar?</span></p>
<h1><em><span style="color: #007a53;"><b>Business Health isn&#8217;t measured by one number.</b></span></em></h1>
<p><span style="font-weight: 400;">It&#8217;s measured by dozens of indicators working together. Just like your own body.</span></p>
<p><span style="font-weight: 400;">You wouldn&#8217;t judge your health by stepping on a set of scales.</span></p>
<p><span style="font-weight: 400;">Your doctor looks at:</span></p>
<ul>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Blood pressure.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Heart rate.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Blood sugar.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Cholesterol.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Sleep.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Fitness.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Stress.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Lifestyle.</span></li>
</ul>
<p><span style="font-weight: 400;">Business works exactly the same way.</span></p>
<p><span style="font-weight: 400;"></span></p></div>
			</div><div class="et_pb_module et_pb_image et_pb_image_0">
				
				
				
				
				<span class="et_pb_image_wrap "><img fetchpriority="high" decoding="async" width="719" height="481" src="https://financialmanagement101.com.au/wp-content/uploads/2026/07/Aug2.png" alt="The Seven Vital Signs of a Healthy Business
" title="The Seven Vital Signs of a Healthy Business" srcset="https://financialmanagement101.com.au/wp-content/uploads/2026/07/Aug2.png 719w, https://financialmanagement101.com.au/wp-content/uploads/2026/07/Aug2-480x321.png 480w" sizes="(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 719px, 100vw" class="wp-image-6532" /></span>
			</div><div class="et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><h1><em><span style="color: #007a53;"><b>The Seven Vital Signs of a Healthy Business</b></span></em></h1>
<p><span style="font-weight: 400;">Not KPIs.</span></p>
<p><span style="font-weight: 400;">Not Metrics.</span></p>
<p><b>Vital Signs.</b></p>
<p><span style="font-weight: 400;">That language is unique.</span></p>
<h2><b>1. Cash Flow</b></h2>
<p><span style="font-weight: 400;">Can your business comfortably meet its obligations, or is every month a juggling act?</span></p>
<h2><b>2. Profitability</b></h2>
<p><span style="font-weight: 400;">Revenue is vanity. Profit creates options. Healthy businesses consistently make money.</span></p>
<h2><b>3. Visibility</b></h2>
<p><span style="font-weight: 400;">Do you know your numbers before your accountant tells you, or are you making decisions on gut feel?</span></p>
<h2><b>4. Systems</b></h2>
<p><span style="font-weight: 400;">Could your business operate if you disappeared for two weeks?</span></p>
<h2><b>5. Customers</b></h2>
<p><span style="font-size: 16px;">Are customers returning? Are they referring? Are they buying more?</span></p>
<h2><b>6. Team</b></h2>
<p><span style="font-weight: 400;">Does your team help your business grow, or does everything still depend on you?</span></p>
<h2><b>7. Leadership</b></h2>
<p><span style="font-weight: 400;">Are you acting like the CEO, or simply the busiest employee?</span></p>
<h2></h2>
<h2><em><span style="color: #007a53;"><b>Healthy Businesses Don&#8217;t Just Make More Money</b><b>.</b></span></em></h2>
<ul>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">They make better decisions.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">They create calmer owners.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">They employ happier teams.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">They serve customers better.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">They grow sustainably.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">They survive difficult economies.</span></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">They become valuable assets.</span></li>
</ul>
<p><span style="font-weight: 400;">Most importantly&#8230; </span><span style="font-size: 16px;">They give owners something every entrepreneur wanted when they started&#8230;FREEDOM!</span></p>
<p><span style="font-weight: 400;">Because the healthiest businesses don&#8217;t simply generate income. They generate choices.</span></p>
<p><span style="font-weight: 400;">And that&#8217;s ultimately what every business owner is chasing.</span></p>
<p><span style="font-weight: 400;">Want to know the health of your business…then take the 20 minute <em><strong><a href="https://learn.financialmanagement101.com/the-edge-business-health-check">“The EDGE Business Health Check”</a></strong></em> TODAY!</span></p>
<h2></h2>
<p><span style="font-weight: 400;"></span></p></div>
			</div>
			</div>
				
				
				
				
			</div><div class="et_pb_row et_pb_row_1">
				<div class="et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child">
				
				
				
				
				<div class="et_pb_module et_pb_image et_pb_image_1">
				
				
				
				
				<a href="https://learn.financialmanagement101.com/the-edge-business-health-check" target="_blank"><span class="et_pb_image_wrap "><img decoding="async" width="720" height="473" src="https://financialmanagement101.com.au/wp-content/uploads/2026/07/26.png" alt="Take The EDGE Business Health Check today and discover where your next opportunity is hiding." title="Take The EDGE Business Health Check today and discover where your next opportunity is hiding." srcset="https://financialmanagement101.com.au/wp-content/uploads/2026/07/26.png 720w, https://financialmanagement101.com.au/wp-content/uploads/2026/07/26-480x315.png 480w" sizes="(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 720px, 100vw" class="wp-image-6470" /></span></a>
			</div><div class="et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module ">
				<a class="et_pb_button et_pb_button_0 et_pb_bg_layout_light" href="https://learn.financialmanagement101.com/the-edge-business-health-check-595667" target="_blank" data-et-multi-view="{&quot;schema&quot;:{&quot;content&quot;:{&quot;desktop&quot;:&quot;GET THE EDGE BUSINESS HEALTH CHECK&quot;,&quot;tablet&quot;:&quot;CLICK HERE TO LEARN MORE ABOUT &#039;KNOW YOUR NUMBERS&#039;&quot;}},&quot;slug&quot;:&quot;et_pb_button&quot;,&quot;hover_selector&quot;:&quot;.et_pb_button_0.et_pb_button&quot;}" data-et-multi-view-load-tablet-hidden="true">GET THE EDGE BUSINESS HEALTH CHECK</a>
			</div><div class="et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><h3><span style="font-size: x-small;">#HowToResetMyMoneyMindset #NewYearFinancialMindset #HowToStartFreshWithMoney  emergency fund australia, money management, family savings #SmallBusinessOwner #BusinessGrowth #CashflowManagement #BusinessSuccess<br />#EntrepreneurMindset<br /></span></h3>
<p>&nbsp;</p></div>
			</div>
			</div>
				
				
				
				
			</div>
				
				
			</div>
]]></content:encoded>
					
		
		
			</item>
	</channel>
</rss>