The Money Barista Podcast
Are you an entrepreneur or small business owner that wants to understand your finances? Welcome to the The Money Barista Podcast. Hey there, I'm your host Kerry Zarb, The Money Barista, and I understand that your finances are as private as your underwear, whether it's your boxers or receipts peeping out of your top drawer, I'm here to help you get comfortable with your business finances! This is why each week I'm going to bring you here to The Virtual Cafe Studio, so that we can talk all about the biz bean$ together. I'm going to share the inside knowledge...
211. Season 6 Wrap Up

This week in the Virtual Cafe there is some bittersweet news we are sharing. Tune in to hear the details of the changes that are coming as Season Six wraps up. The last few weeks there have been some really hard decisions made.
Kerry doesn't have a crystal ballMaking hard choicesKerry has her cape on for her clientsGrieving the changes and celebrating at the same timePausing isn't quitting foreverOver 200 episodes to binge on during this intermissionChanging and evolving are part of businessBecoming a published author and doing all the things that has caught the attention of those around...210. How can I break down my business finances into small pieces when I'm starting out?

This week in the Virtual Cafe listen in to the conversation about Kerry's bean-o-meter and the confessions that go with it. Coffee and money are always a topic at the table here. The Money Barista herself is answering some great questions from a listener.
Questions can be hard to ask Calendar, schedule, timing'The Day' vs Bite Size PiecesExcuses from overwhelmDeadline for taxes is a higher level of stressInflicting more pain on ourselvesAdding unnecessary pressureBeing mindful of your business financesLittle pieces of effort add up Learning and repeating with practiceKerry shared what riding a bike or...
209. If I've got very minimal business expenses, should I be separating business from personal in a tool for my records?

Welcome to the Virtual Cafe where coffee meets money. This week we are chatting about The Money Barista coffee mug and how not to be 'pedestrian' or 'basic' with our beans. The discussion gets spicy when speaking of the perfect world vs when getting started it may look very different.
When to separate the beansWhat to keep that are the most important thingsHow things can change over time and to know when to separate recordsMake sure what is required in your areaThe right advice from certain professionals is importantNot getting overwhelmed or sucked down the technical rabbit holeWhich...208. How much detail is too little or too much when categorising income and expenses?

Welcome to the Virtual Cafe where we have discussions about the beans in your business. This week we are dreaming about more coffee while skating full throttle through the changing seasons across the globe. Kerry is comparing two sides of the coin of categorizing income and expenses when you are so busy.
Balance in information about categoriesDiscovering through pain points how much info is neededMinimum of requirementsLean & Mean vs Extra DetailsInformation for making decisionsWhere to focus your energyBased on our business and usHaving the information you need to make decisions and keeping things simple so...
207. Who Do I Call When I Need To Ask An Embarrassing Money Question?

We all have phone-a-friend moments in business especially when it comes to money and finances. It can be compelling to go to a search engine when it's an embarrassing question, but be careful when searching online because it can be a slippery slope. The so-called answers online can be overwhelming and we can get off answers. Asking someone you know has experience and sincerely wants to help you is a much better choice, but how do you know who to ask?
Kim called Kerry while live on a podcast to see if she knew the answer to a...206. How Do I Overcome Decision Fatigue With My Money?

Decisions are fire-hosing us every single day. Part of the decision fatigue is having the right systems in place that are going to work for you. When we think about sitting down and working on our Business Finances, we need to make that decision first. When am I going to do it, where am I going to do it, what day, what time, am I going to get interrupted? Join Kerry and Kim in the Virtual Cafe and prepare to make fewer decisions.
Decision fatigue is realA recipe for our Business FinancesHaving the Digital Shoebox as a tool<...205. Make your BF's really your BF

Pretty early in the writing of her book, Business Finances Made Simple in the Virtual Cafe, Kerry got sick to death of writing out the words 'business finances' and wanted to short cut. In the virtual cafe in this episode Kerry and Kim are having coffee with their BFs and our BFF and you!
If you think about your 'BF's instead of your Business Finances, it's kind of cool, you get to work with your BF'sOne you want to avoid and the other you can't wait to get toIf we can mentally change this for ourselves and turn...204. Are You Overcomplicating Your Business Finances?

If you don't like something, you don't understand it, or you don't know how to do it, like our business finances, we self sabotage a lot of times by looking for ways for some tool or person to take the pain away. Can you strip any of that away to simplify your Business Finances so that it's easier? As an Entrepreneur maybe we just need to keep it simple and bring it back to the basics of a spreadsheet and start somewhere. Join Kerry and Kim in the virtual cafe for today's conversation.
Are you complicating your business...203. How Do I Outsource My Business Finances And Who Do I Delegate Them To

As business owners we have a million things that we want to outsource. Not liking business finances may make you feel like they need to be outsourced right away. Join Kerry and Kim while they wait for their coffee orders in the virtual cafe for a chat about outsourcing business finances.
How do I outsource my business finances? Who do I delegate them to?If we don't understand them first, how do we know the person we are giving this to is doing the right thing?You can get your own base understanding of your business finances, and...202. Take Control of Your Business Finances and Build Confidence

There's a confidence that comes naturally when we get to do these things that are just not our fave thing to do and we have this extra sense of achievement. When we sit down and work with the numbers we build our confidence muscles, as Kim calls it. Join Kerry and Kim in the Virtual Cafe for a chat about the superpowers that can come with the confidence we gain in our business finances.
How do I take control of my Business Finances?How do I build confidence in that control?Spend time with your Business FinancesStepping away...201. Why Do I Have to Reconcile My Bank Account

Business finances can be simple when you know how to do it, but really hard when you don't. They can be really intimidating! Let's get simple about reconciling our bank accounts with Kerry and Kim in the Virtual Cafe, it doesn't need to be complicated.
Why do we have to reconcile our bank accounts?What is the simplest way to get started doing it?Why is it a good idea to do it?Let's stop stuffing the hard stuff into the pile and start understanding our business finances together. Make knowing what is supposed to come...
200. Celebrating 200 Episodes

Congratulations on 200 episodes! The majority of podcasters never make it to 10 episodes, very few make it to episode 50, and even fewer make it to their 100th. This podcast has been going for quite a while, it has evolved, but Kerry's heart hasn't changed one bit in the fact that she has always been here to help other entrepreneurs with their businesses, with what they need to know, with their finances, and getting in control of their finances. You are tuning into The Money Barista Podcast, it's all about money... not today:
Kerry is a rockstar podcaster! She is...199. How Often Should I Look at My Finances

We bet that you're tuning in because you want to get in control of your business finances. When you are in tune with your business finances you can make a schedule that suits your business and your life. Join Kerry in the Virtual Cafe today to talk about:
Should I look at my finances daily? The answer? Yes and NoUnless you have outsourced your business finances... no one is going to do this for youYou need to assess your own situation when it comes to how often you are working on your business financesChecking your...
198. How Do I Stop Automatic Payments?

Recurring charges are just ridiculous when it comes to not stopping when they're supposed to stop. It's so easy to sign up for them and it can be so hard to cancel them, join Kerry and Kim in their chat about some tips on tracking those pesky subscriptions.
How can I make sure that something doesn't get charged when I cancel it?Sometimes we need to hold that element of responsibility and we need to keep them accountable If we can keep the bean$ in our business or in life, why not? Track your subscriptions with the TMB...197. Preparing for your Accountant

We've all got questions about the things we don't know about. Here's one, it's January and tax season in the US, what do I need to prepare for the accountant for taxes? Let's simplify this! Given that it's early, start to gather this stuff now and spend a little bit of time over the next few weeks to bring it all together.
Statements, Evidence and Online TransactionsWhen to start and how long it will takeGet questions answered like "How do you put this? Where do you put this? What do you do with that? How does that work?"<...196. New Year Plan for Your Biz Bean$

Welcome to the Virtual Cafe, and the first episode of 2024. New Year New Plan for your Biz Bean$ as Kerry says. There's something about a new year, a fresh page, a new clean calendar, a new forecast, a new plan. We have the opportunity to have this new year with a new plan.
This month is the live tour! We gather every quarter where Kerry gives a demonstration of the Savings ToolThe pesky recurring transactions that we all have on our bank accounts or credit cards The Savings Tool gives us this ability to list out all the...195. The Money Barista Christmas Edition

Join Kim and Kerry in the virtual cafe with this very special Christmas episode. To get into the festive spirit they skip the traditional Money Barista conversation this week because it's celebration time!
Kim shares her favorite winter Christmasy coffee recipe - Hot Chocolate Coffee.
Instead of making hot chocolate with water or milk, make your coffee first, and add your hot chocolate mix to the coffee. Stir and enjoy by the fire, real or fake!Kerry shares her favorite summer Christmasy coffee recipe - Frappe
It's got ice! Take your ice coffee...194. The Silly Season is Here

During the holiday season how do I watch what I spend but still get what I want? We can get stuck in our business because we hop into spend mode personally for the gifts and the silly season. Then there's the time off and the potential void of income in our business that we are faced with as well. Plus a lot of marketing pressure going on about having all the toys, all the tools, all the things. Listen in as Kerry and Kim discuss...
We need a plan to see us through this silly season both personally...193. Why You Need a Digital Shoe Box

Gulp! It's end of tax season in the U.S. Everything's on our plate at the moment in our thinking when it comes to this space - holiday season, the New Year, all the things. We understand everyone that still gulps at tax time, still feels unorganized, feeling the stress, the pressure, all the things and this is why we need a Digital Shoe Box.
How do I get organized for taxes and how do I stay that way?Digital Shoe Box - contains all of the things that we need to produce in order to do our...192. Tax Time Prep for the US

If we know our numbers in business we have the choice to make some pretty cool moves to take advantage of our financial position before tax time is over. It is the last month (December) of the tax year in the US and it's a great time to share some words of wisdom from The Virtual Cafe, with a dash of Kim's coffee maid.
If you have profit in your business you might be able to spend some of that profit. It might be a great time to invest in some thingsDon't spend for the sake of spendingDon't...191. Highlights from The Virtual Cafe

191. This week's episode didn't quite make it to plan, this happens from time to time in the wonderful world of podcasting.
We are excited to bring you some highlights from What Grinds my Bean$ episodes 169 & 170.
We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.
If you want to save money in your business, you can get started for FREE with The Money Barista Savings Tool!
This tool is built with the sole...
190. Staying on Track over the Holidays

With the holidays fast approaching, it is important to see where we are at with our business finances before we are off to enjoy festivities with our loved ones.
Sometimes we are faced with a backlog and we can reconginise that we won't have it all caught up before we are away.
The Money Barista shares what we can do to avoid the stress of our digits over the holiday times!
We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get...
189. Preparing for Big Purchases

Something happened...and Kerry had been putting off making a "big" purchase in her life.
In this episode Kerry & Kim talk about things we can do to be prepared for those unexpected costs and how we can also manage the change when it comes to things in our business to lighten the burden.
Research: all the websites, look at reviews, watch YouTube videos, all the thingsHave a plan- you don't want to part with dollars and not think about where that money is coming from, and if I pay out that money am I not going...188. Spreadsheets with Affogato

This week Kim asks Kerry about her favourite tool, which you might be shocked to hear is spreadsheets!
Kerry also shares her favourite desert coffee, the Affogato, and her options on how you can make it yourself.
We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.
If you want to save money in your business, you can get started for FREE with The Money Barista Savings Tool!
This tool is built with...
187. Choices with Your Business Finances & Ginger Biscuits

This week we are covering the question of choice, and how you want to work with your business finances.
Kim loves ginger in her coffee and Kerry shares the classic hard ginger biscuit we have in Australia that is so delicious when dipped in coffee.
We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.
If you want to save money in your business, you can get started for FREE with The Money Barista Savings...
186. The Money Barista Podcast Story

This week we wanted to take you on a quick journey of this podcast and all it's makings over the past 3.5 years.
As this podcast has evolved, the core mission has always been to help others.
From the great freeze of 2020 to today, Kerry, aka The Money Barista has been focused and determined to help entrepreneurs on their business journey.
From interviews under the "BizNation" brand to "Simply Biz Bean$" with the business finances focus, to today with "The Money Barista Podcast", still about business finances!
We discuss when and why...
185. Season 6 - The Money Barista Podcast Begins & Welcome

It's a brand new season and a brand new show!
The Money Barista is in da house, aka The Virtual Cafe Studio â
Everything has changed and yet everything is still the same as Kerry Zarb has rebranded.
Join us for this VERY special episode where we share the whole story đ
We hope you enjoy this experience đ
Cheers â Kerry & Kim
To get the latest Biz Bean$ updates in your inbox, https://kerryzarb.com/news
Information contained in this podcast should be taken as general advice only and your p...
184. DeBunking Your Business Finances - Scaling Your Digits

Scaling the digits sounds simple, more money coming in, however, we as entrepreneurs can miss the part where the expenses are growing also.
It can be a dangerous balance with the business finances to keep them in check and ensure our profit is not shrinking before our eyes.Â
This week's discussion includedâŠ
Multiplying mess with our financesWhat can happen when we donât know our numbersChecking on the prices we chargeHow easy it is to overspendReg flags and Green flagsSee it, say it, fix it - we can all take the appro...
183. DeBunking Your Business Finances - Offering More Services

This weekâs Debunking in the Virtual Cafe is brought to you by coffee and hot chocolate. If a cafe can serve both, why canât we just add more things to sell in our business to improve our numbers?
When it comes to being an entrepreneur and looking at improving our business finances, can we use the common life lesson of âwe need more money, so get another jobâ?
Will adding more products or services mean my finances are instantly improved?
Join Kerry & Kim as we discuss the myth and unpack:
Offering...182. DeBunking Your Business Finances - Spend More to Make More

There is a common myth that a lot of people believe... "You have to spend money to make money."
Following the herd mentality that everyone is doing 'it' can be very dangerous for our business and our finances. Anything that is supposed to work for everyone and everything is a giant red flag of danger. Taking control, using your brain, and doing the calculating can prevent huge losses in investment of time and money.
This week's discussion included...
debunking myth and hypestrategic spending and strategic timingtipping of the investing scaleseveryday spend vs investmentexamples of...181. Defunking Your Business Finances

Feeling like you aren't making any traction in your business finances can cause a FUNK.
The struggle is real when it comes to money and understanding those icky feelings can help us de-funk our flipping digits and ourselves.
Join Kerry & Kim in the Virtual Café as they discuss...
what funk is and where it comes fromfeelings that can talk us out of our businessshared funk is contagiousways to get past the icky feelingasking the wrong people can deepen the funkF words and Kerrywhat cures the funk in our business financesKerry leads t...
180. I've Made Bad Decisions, Now What?

Welcome to the Virtual Café, it's coffee time!
Making choices between cappuccino, macchiato, or hot chocolate can be changed quickly, however, some decisions we make in our business finances can follow us for years.
Everyone has made bad decisions with their money at some point in their lives. Those choices can lead to feeling like we will never get this right. Ever wish you could take some things back?
In this week's show, Kerry Zarb & Kim White discuss...
making different decisions means changing the optionssome things with our money we can't undo t...179. Why Simple Subscriptions

We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.
If you want to save money in your business, you can get started for FREE with "Simple Subscriptions"
This tool is built with the sole purpose to list all your recurring payments, making decisions on what you want to keep or cancel, and keeping you accountable to make those moves.
Grab it right here - https://www.kerryzarb.com/subs
...
178. Am I Too Broken To Work On My Digits

Welcome to the Virtual Café, please join me, Kerry Zarb and my co-host Kim White at our table with your favorite brew for this week's conversation.
Failing with money or feeling out of control with your finances can lead to us feeling like we are too broken to be our own financial designer.
As we confess how we learned to deal with our digits, this is your personal invitation to listen in, as we discuss...
something triggers that broken feelingemotional hurdles that can keep us from what is possiblewe are at everyone's mercy if w...177. What's On My Playlist - Music For Working On The Business Finances

Music takes the ugly out of so many things...including finances!
Join Kerry Zarb and her guest Kim White in the Virtual Café to hear more about how music can change how you are controlling your money.
It can motivate and inspire you to show up for your digits and yourself! Listen in on their conversation to hear...
Relaxing not boring playlist - Kerry's finance playlistPassing the brain power to someone elseMoney, money, money or a spoon full of sugar makes the medicine goes downChoose what works for youWhich music helps Kerry be more p...176. Why Location Matters For Your Business Finances

Location for your business finances matters! Join Kerry Zarb in the Virtual Café with her co-host Kim White, to listen to this game changing kind of conversation about where we meet our money and when.
Finding the right space helps keep us on track for becoming our own financial designer.
Procrastination Station Kerry confesses to what she puts offCreating a space to entice youMental, physical, special, specific, sacred locations - which is the right spaceAccountability partner or biz buddiesIf we don't like or understand our business finances, it's easy to put it off.
175. Forecasting with your Business Finances

We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.
If you want to save money in your business, you can get started for FREE with "Simple Subscriptions"
This tool is built with the sole purpose to list all your recurring payments, making decisions on what you want to keep or cancel, and keeping you accountable to make those moves.
Grab it right here - https://www.kerryzarb.com/subs
...
174. Making Good Decisions with Business Finances

Join me, your host Kerry Zarb, and my insightful co-host, Kim White, for a riveting conversation about tackling the challenges of business finances.
This episode offers invaluable advice for entrepreneurs, with a focus on overcoming fears around financial decisions.
We emphasize the importance of taking your time when dealing with finances, the value of using tools like calculators and spreadsheets, and the significance of trusting your own abilities.
This episode is not just about managing your finances, but also about gaining the confidence to make sound business decisions.
Tune in and...
Tit 4 Tat in Business Finances (173)

Ever wonder how a small family business can turn a surplus of cash into a financial crisis? Well, pull up a chair, grab your favourite brew.
Join Kerry Zarb and Kim White, as we recount a fascinating story from Kerry's time as an office manager. Kerry is candid about the erratic financial decisions she witnessed, observing a husband and wife team whose spontaneous purchases during periods of cash overflow led to a struggle when funds ran low.
We hope you enjoy this experience đ
Cheers â Kerry & Kim
To get the latest Biz Bean$...
Are you being a "Kerry Terry Tightar$e" ? (172)

We would love you to tune in for this episode and future discussions in the virtual cafe, where you too can get in control of your business finances.
If you want to save money in your business, you can get started for FREE with "Simple Subscriptions"
This tool is built with the sole purpose to list all your recurring payments, making decisions on what you want to keep or cancel, and keeping you accountable to make those moves.
Grab it right here - https://www.kerryzarb.com/subs
...