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Thanks for signing up to use GoCardless for your Stem bill payments. We’re sure that this will make life easier.

We will always send you an email reminder three days before your payment is due.

Don’t forget to cancel any automatic payments you may have set up.

If you think GoCardless may be of benefit to your business have a look at their website. If you think this is for you let us know and we’ll help you set this up with your Xero file.

What to look out for when buying a business

by Sarah Brown | 10/19/2023 | Advice, Business | 0 Comments

Buying an established business is a great way to enter into the business world, or to expand your existing business empire. But purchasing a company isn’t something to enter into lightly. Becoming the prospective owner of a new business means doing your homework,...

5 things to know when you’re applying for a home loan

by Sarah Brown | 10/19/2023 | Advice, Uncategorized | 0 Comments

Thinking of applying for a home loan? Here are some tips to help you prepare an application that’s more likely to be approved. You may need to go on a financial diet before you apply - When you apply for a mortgage, a bank will typically analyse the statements for all...

What will a National-led government mean for your taxes?

by Sarah Brown | 10/19/2023 | Business, Tax, Uncategorized | 0 Comments

We don’t yet know exactly how the new National-led coalition government will be formed. But we do know that National pledged to make some major changes to tax if it came into power. Here are some of the changes that could affect you: Tweaks to tax brackets National...

Grow with the (cash) flow

by Sarah Brown | 09/06/2023 | Business, Uncategorized | 0 Comments

Steady cash flow is the fuel that powers your business, but when you’re busy doing a million things at once it can easily slip to the bottom of the priority pile. Here are some tips to keep the cash flowing while you’re growing: Invoice quickly - good debtor...

Understanding your Financial Statements

by Sarah Brown | 09/06/2023 | Business, Uncategorized | 0 Comments

You may be used to thinking of financial statements purely in terms of your annual tax return but for success in business they need to be much more than that. As a business owner/operator, it is essential that you understand your financial position. Understanding the...

Provisional tax – for business owners

by Sarah Brown | 09/06/2023 | Advice, Business, Tax | 0 Comments

As a new business owner, it's important you understand the provisional tax system as it affects your business. In your first year of business, you can receive a significant tax deferral. Your first year's tax bill is, in some cases, not payable until 7 April the...

Plain English guide to cashflow

by Sarah Brown | 09/06/2023 | Advice, Business | 0 Comments

Why is cashflow so central to good financial management? Here's our plain english guide. What is cashflow? Cashflow refers to the movement of money into and out of your business over a specific period. In the most basic terms, cashflow is the process of cash moving...

GST apportionment and adjustment

by Sarah Brown | 08/09/2023 | Advice, Business, Tax | 0 Comments

GST apportionment has been around for a long time, but it has changed over the years. You can claim input tax deductions on purchases of goods and services you use to make taxable supplies. Where assets are used both to make taxable supplies and for private use, you...