Comfort zones, tech tips and free money 🕸️ 📨🫰🏽

Hey, it’s Terry here. Happy Tuesday!

I’m feeling excited this week for my first Crossfit Open in about 7 years! What is it? Well it means I’ll be busting my arse in a world wide Crossfit competition. Not with the aim of getting a high ranking in my age group because I do mostly scaled versions of movements, but to get out of my comfort zone and then give myself a pat on the back.

Are there benefits to getting out of your comfort zone? Absolutely! It increases your resilience, grit and confidence and is great for brain power for problem solving. It also helps reduce the fear of failure which results in you not having a go at something that you may regret not doing later on in life. So this weeks challenge:

If you know a small business who needs help with their bookkeeping and admin, please tell them about me, I’d be most grateful. My website is qwertyplus.com.au, check it out if you like. I’m also on Facebook. Thanks in advance! 🙏🏼

Did someone share this email with you? Sign up here and get your own email every week!

I find this tip really handy for an email you’ve received that has something really important in it, you don’t want to forget why it’s still in your inbox, or my might need to action it later on.

You’re actually “editing” the email and adding a comment or reminder. Remember though, if you end up replying to the sender, delete your message before replying.

Every time you click on the email it will now show your reminder/comment.

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If your spreadsheet is large enough that you have to scroll down, there are 2 ways to freeze your headings so you don’t lose sight of them.

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If you want to add content on the next page don’t press the space bar multiple times to go to the next page. Instead insert a page break, and you’ll automatically go the next page.

If your access level allows you to do your bank reconciliation with the Cash Coding feature, you can save a ton of time for spend money and receive money transactions! It’s great for multiple transactions for the same thing, eg bank fees, fuel, materials (eg over the counter eftpos purchases as Bunnings).

⚠️Don’t Cash Code any transactions that have bills sitting in Payables, or invoices sitting in Sales. Reconcile them as usual.

From 1 July 2026, employers have to pay super every pay period - eg weekly or fortnightly. No more once a quarter payments. This is a major step by the ATO in cracking down on employers not paying super.

For employees: Keep track of your super payments on your ATO Online Services portal via myGov, and if your employer isn’t paying them at least quarterly now, and every pay period from 1 July, get on to them fast! Sure you might be a long way off 67 and retiring, but every dollar adds up.

If your employer puts $10,000 in a super fund this year, as a conservative estimate, in 30 years time it could be worth $60,000-$100,000, and that’s just one year of super contributions. So you don’t want to miss out on any contributions.

For employers: The big thing to remember here is that in July you need to pay the June quarter super (due 28 July), and also super on every payrun in July. So could be a big dip in your cash flow.

Start planning now and consider now paying super with each payroll. Or at the very least, do a cash flow forecast so you can meet your super obligations in July.

What are they and are they worth it?

This portal seems to be gaining popularity with businesses because you can link your bank accounts and credit cards to the site, and pay your bills. The “benefit” is that you can earn points and use them to buy travel or products.

You can double dip and earn points by paying a bill with a credit card that has a points system attached to it. pay.com.au gives you points (but they’ll charge you a fee) and your credit card will also give you points, eg Qantas Frequent Flyer but they’ll charge you a fee as well.

Example: Pay phone bill on pay.com.au using your bank credit card that has Qantas Frequent Flyer.

Most comments I’ve read by users say you’ll be in front when you cash in your points, particularly for business class travel. But you’re paying a lot in fees upfront and perhaps not travelling for some time (when you’ve accrued sufficient points for that business class seat).

You can even pay the ATO with your Amex via pay.com.au.

I believe it’s worth investigating and running your own numbers to see if it will work for you.

I’ve used the Shopback app for about 7 years for online purchases and my lifetime earnings is over $1,500 just for shopping on sites I would normally shop at anyway. Prices are the same, just make sure the Shopback link is showing at the top of the browser window.

With Shopback credit you can transfer it to your bank account when it gets unlocked. Say you bought hotel accommodation, it wouldn’t be unlocked until after your stay when it’s definite that the accommodation wasn’t cancelled.

It’s great for saving up cash for Christmas! I need parking and accommodation in May and Shopback currently has up to 15% cash back. So I’ll go into Shopback, click on the links to purchase online, then after my travel in May, I’ll get up to 15% cash back (depending on who I book through) deposited into my Shopback account.

Here’s a link if you want to sign up to Shopback and get $20 free credit (I get it too), but do your own research before you sign up. Don’t just take my word for it. 😊

I just had to share this photo with you, a couple of flowers bloomed this morning on our cactus, with two more due in a couple of days. They last less than a day! Did you know every cactus flowers?

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