Prosperity on the Horizon

Hosted by Julianna Nagy

Business Entrepreneurship

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Episodes

127

Latest episode

Sep 2026

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About the show

Prosperity on the Horizon is a short-form podcast for busy business owners and entrepreneurs who are looking for bite-sized episodes with actionable takeawawys to help them transform their business through the power of numbers. Produced by Julianna @horizonaccounts , the podcast releases weekly, with short, easy to consume episodes, featuring clear cut strategies and education on how to use your numbers in informed decision making that will lead your business to prosperity. We also release series built around specific topics so that each episode remains really bite-sized, to make the perfect show for you to listen to during your commute, gym session, dog walk or while preparing those lunch boxes. Look out for new episodes dropping every Friday. Each episode is designed for busy parents, running their own business, who need something that they can fit into their frenetic schedule. This is why our episodes generally don’t last longer than 15 minutes.

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September 28, 202619 min

How Do You Know If Your Business Can Actually Afford It?

After a break, Julianna continues the focus on business numbers by explaining how to decide on new costs like hires, tools or marketing. The key message is that revenue is not the test of affordability; the real test is whether the cash will be available when you need to spend it. She outlines four questions: current profit margin, cash position over the next 60 days, expected return and timing and the buffer if it takes longer. She also covers how to assess hiring, marketing and software subscriptions and mentions a free 17-page guide on profit, cash and time. 00:00 Welcome Back And Setup 01:18 Revenue Versus Cash Timing 01:40 VA Hire Timing Story 03:42 The Real Affordability Question 05:33 Four Questions Framework 08:48 Hiring Decisions Breakdown 10:16 Marketing Spend Expectations 11:16 Software Subscriptions Audit 12:27 Wrap Up And Key Takeaways 13:36 Free Guide And Next Episode If you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success. We have a new FREE resource , the GST Saving Checklist , that you can download from here . A simple, practical checklist that walks you through the exact areas to review in your Xero or other accounting file - so you can spot where you may be paying too much GST or missing out on credits you're entitled to claim. Complete our FREE ‘ Business Health Check ’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time. If you are a service-based business owner, agency founder, coach, consultant or digital creator, grab my FREE guide on The 3 Key Areas to Focus On If You Want Your Business to Succeed . Where to find us: Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon. Subscribe on your favourite podcast app to stay in the loop with every insightful episode. If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call. Prosperity on the Horizon is on Youtube as well, where you can find useful shorts and other resources as well. Stay tuned for the next episode of Prosperity on the Horizon , the podcast that transforms businesses through the power of numbers and the story behind them.

August 19, 20262 min

TAKING A SHORT BREAK - POD PAUSE ANNOUNCEMENT

We are taking a short break from the pod in August but we will be back in the second half of September with new episodes, new topics and something I have been building behind the scenes that I cannot wait to share with you. While we are away, catch up on episodes 117 to 123 if you have not already. That series covers cash flow, knowing your numbers, end of financial year and what it actually takes to run your business with confidence rather than guesswork. Worth a listen at any time of year. Coming up in September: what your first quarter numbers are telling you, pricing, cash flow planning and more. And if you want to be the first to hear about ‘Your Best Quarter Yet’ - a program I am building specifically for service-based founders who want to understand their numbers without waiting for their accountant to tell them how the business is performing - you can join the priority wait list now. Simply follow this link . This is for founders who want to make better, timely decisions for their business and stop missing out on opportunities simply because the information was not there when they needed it. Follow me on Instagram at @horizonaccounts and on YouTube at Prosperity on the Horizon for updates in the meantime. See you in September. If you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success. We have a new FREE resource , the GST Saving Checklist , that you can download from here . A simple, practical checklist that walks you through the exact areas to review in your Xero or other accounting file - so you can spot where you may be paying too much GST or missing out on credits you're entitled to claim. Complete our FREE ‘ Business Health Check ’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time. Where to find us: Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon. Subscribe on your favourite podcast app to stay in the loop with every insightful episode. If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call. Prosperity on the Horizon is on Youtube as well, where you can find useful shorts and other resources as well. Stay tuned for the next episode of Prosperity on the Horizon , the podcast that transforms businesses through the power of numbers and the story behind them.

July 6, 20269 min

What Actually Changed on 1 July and What It Means for Your Business

Julianna, founder of Horizon Accounts, introduces a new series on building a strong financial year and explains key changes from 1 July. Superannuation must now be paid on payday each pay run (Payday Super). The national minimum wage rose by 6% and modern award minimum wages by 4.75%, employers should check their specific award rates rather than assume they match the national increase. She stresses the cash flow impact of payday super, the need to review pricing as wages rise and the importance of correct GST coding, offering a free GST savings checklist and a four-step to-do list to complete before the end of September. 00:00 Series Kickoff 00:25 Payday Super Rules 01:10 Clearing House Closure 01:39 Minimum Wage Updates 02:36 Cash Flow Impacts 03:18 GST Coding Checks 04:08 September Action Plan 05:31 Yearly Rule Shifts 06:15 Wrap Up Next Episode If you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success. The EOFY Checklist will be available - if not there yet already - on our website under Resources . We have a new FREE resource , the GST Saving Checklist , that you can download from here . A simple, practical checklist that walks you through the exact areas to review in your Xero or other accounting file - so you can spot where you may be paying too much GST or missing out on credits you're entitled to claim. Complete our FREE ‘ Business Health Check ’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time. Where to find us: Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon. Subscribe on your favourite podcast app to stay in the loop with every insightful episode. If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call. Prosperity on the Horizon is on Youtube as well, where you can find useful shorts and other resources as well. Stay tuned for the next episode of Prosperity on the Horizon , the podcast that transforms businesses through the power of numbers and the story behind them.

June 29, 202619 min

What You Can Still Do After June 30 and How to Make FY2027 Your Best Year Yet

In the final episode of the 2026 financial year, Julianna explains what still matters at year end and how to start 2027 with financial clarity. She outlines key deadlines: business purchases must be paid for and ready to use by 30 June to claim a deduction, super contributions must be received by the fund by 30 June to be deductible, and payday super begins on 1 July. Julianna challenges the idea that 1 July is a reset, encouraging founders to use 12 months of data to spot seasonal patterns, profitability and unnecessary costs, then set a few meaningful targets and review numbers regularly rather than relying on bank balance. 00:00 Year End Wrap Up 01:28 Last Minute June 30 Moves 04:56 July Is Not A Reset 06:51 What Your Numbers Reveal 08:56 Set Up 2027 For Success 11:35 Define Your Best Year 13:00 Programs And Resources 14:54 Final Thanks And Next Steps If you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success. The EOFY Checklist will be available - if not there yet already - on our website under Resources . We have a new FREE resource , the GST Saving Checklist , that you can download from here . A simple, practical checklist that walks you through the exact areas to review in your Xero or other accounting file - so you can spot where you may be paying too much GST or missing out on credits you're entitled to claim. Complete our FREE ‘ Business Health Check ’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time. Where to find us: Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon. Subscribe on your favourite podcast app to stay in the loop with every insightful episode. If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call. Prosperity on the Horizon is on Youtube as well, where you can find useful shorts and other resources as well. Stay tuned for the next episode of Prosperity on the Horizon , the podcast that transforms businesses through the power of numbers and the story behind them.

June 22, 202618 min

What Your Business Earns vs What You Can Actually Spend

In episode 122 of Prosperity on the Horizon, Julianna explains why business revenue and a healthy bank balance do not mean the money is yours to spend, because some funds are already committed to things like GST, superannuation and upcoming bills. She highlights GST as a major cause of confusion near the end of the financial year, including common GST coding errors that can either lead to overpaying or create unexpected liabilities and shares an example where correcting Xero coding reduced GST payable from $7,500 to $1,700. Julianna recommends treating cash as separate ‘buckets’ and gives three practical steps: check GST coding, calculate what is already committed and keep the books up to date. She also outlines what the Finish Strong workshop covers and mentions a free GST savings checklist and her Cash Flow Confidence Calculator. 00:00 Welcome and Setup 01:22 Why Bank Balance Lies 03:24 GST Basics Explained 04:37 Common GST Coding Errors 06:20 Bucket Your Cash 08:35 Three Steps to Clarity 10:58 Finish Strong Workshop 13:33 Recap and Next Episode If you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success. The EOFY Checklist will be available - if not there yet already - on our website under Resources . We have a new FREE resource , the GST Saving Checklist , that you can download from here . A simple, practical checklist that walks you through the exact areas to review in your Xero or other accounting file - so you can spot where you may be paying too much GST or missing out on credits you're entitled to claim. Complete our FREE ‘ Business Health Check ’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time. Where to find us: Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon. Subscribe on your favourite podcast app to stay in the loop with every insightful episode. If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call. Prosperity on the Horizon is on Youtube as well, where you can find useful shorts and other resources as well. Stay tuned for the next episode of Prosperity on the Horizon , the podcast that transforms businesses through the power of numbers and the story behind them.

June 15, 202619 min

Why Knowing Your Revenue Is Not Enough

Julianna explains why many founders feel cash is always tight even when revenue is strong and why a bank balance alone does not show the full picture. She clarifies the difference between revenue (what you earn), profit (what is left after expenses) and cash position (what is actually available after accounting for GST, tax, super, committed bills and timing of payments). She outlines a simple way to calculate cash position and create a 30-day view of money coming in and going out, noting that accurate, up-to-date books are essential. She also shares a free Cash Flow Confidence Calculator and invites listeners to a live 90-minute online workshop, Finish Strong, on Tuesday 23 June at 12:00 PM Sydney time, limited to 20 people for $49, with a VIP group planning session in July for those who register before Sunday 21 June. 00:00 Welcome Back Setup 01:26 Bank Balance Trap 03:16 Revenue Profit Cash 05:11 Define Cash Position 07:00 Calculate It Simply 09:26 Decisions With Confidence 11:23 Finish Strong Workshop 14:27 Final Recap Next Steps If you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success. The EOFY Checklist will be available - if not there yet already - on our website under Resources . Register your interest for Finish Strong - the EOFY Workshop for Service-Based Founders happening in June, and when you do you will also get access to the free Cash Flow Confidence Calculator which is designed to give you a clearer view of what is available, what is expected to come in and what needs to be covered over the next 30 days. We have a new FREE resource - The 60-Minute Monthly Reset to Finally Feel in Control of Your Cash - that you can download from here . Learn exactly what to do on the 1st of every month so your business moves forward, not sideways. Complete our FREE ‘ Business Health Check ’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time. Where to find us: Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon. Subscribe on your favourite podcast app to stay in the loop with every insightful episode. If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call. Stay tuned for the next episode of Prosperity on the Horizon , the podcast that transforms businesses through the power of numbers and the story behind them.

June 8, 202620 min

Every June This Happens, Yet It Comes as a Surprise. Why?

Julianna explains what matters at the end of the 2026 financial year and what is time sensitive before 30 June. She outlines two key actions that must happen before year end: business purchases must be bought, paid for and ready for use to claim deductions; and June quarter super must be received by the fund before 30 June to be deductible. She stresses that the most valuable step is having books as complete and accurate as possible, because year end is not only about compliance but also about getting a clear picture of profitability, pricing, expenses and decision making. She then covers July deadlines: STP finalisation, payroll tax annual reconciliation, June quarter super and the April–June BAS. She shares practical fixes (reconcile accounts, categorise transactions, remove personal items, review reports) and promotes a free checklist and the Finish Strong workshop on 16 June. 00:00 Year End Overview 01:43 June 30 Must Dos 02:18 Purchases And Super 03:58 Books Before Deadline 04:38 Year End Beyond Tax 06:51 July Compliance Timeline 09:23 Tidy Your Books Fast 12:10 Fresh Start Foundation 13:34 Finish Strong Resources 14:59 Key Takeaways Wrap Up 15:53 Next Episode And Goodbye If you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success. The EOFY Checklist will be available - if not there yet already - on our website under Resources . Register your interest for Finish Strong - the EOFY Workshop for Service-Based Founders happening in June, and when you do you will also get access to the free Cash Flow Confidence Calculator which is designed to give you a clearer view of what is available, what is expected to come in and what needs to be covered over the next 30 days. We have a new FREE resource - The 60-Minute Monthly Reset to Finally Feel in Control of Your Cash - that you can download from here . Learn exactly what to do on the 1st of every month so your business moves forward, not sideways. Complete our FREE ‘ Business Health Check ’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time. Where to find us: Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon. Subscribe on your favourite podcast app to stay in the loop with every insightful episode. If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call. Stay tuned for the next episode of Prosperity on the Horizon , the podcast that transforms businesses through the power of numbers and the story behind them.

May 28, 202618 min

What Founders Do When They Don't Know What's Coming Next Month

Julianna explains how running a business without knowing your numbers creates constant uncertainty that costs time, money, energy and opportunities and increases anxiety, especially when books have been avoided for months. She says the issue is not ability but avoidance, which often shows up during BAS preparation in Australia with uncategorised transactions, unreconciled accounts and personal and business spending mixed together. She challenges the idea that only accountants and bookkeepers need to look at the numbers, arguing that accurate, up-to-date books help founders make decisions with clarity using profit and loss, cash flow and balance sheet reports. With 30 June approaching, she shares practical steps and also promotes an EOFY checklist, a live online Finish Strong workshop and a free cash flow confidence calculator. 00:00 The Cost of Uncertainty 01:35 Why Founders Avoid Numbers 03:46 The Numbers Person Myth 05:56 What Clean Books Enable 07:53 Messy Books Fix Plan 10:47 Your Numbers Are Directions 12:16 EOFY Checklist and Workshop 14:04 Final Takeaways and Wrap If you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success. The EOFY Checklist will be available - if not there yet already - on our website under Resources . Register your interest for Finish Strong - the EOFY Workshop for Service-Based Founders happening in June, and when you do you will also get access to the free Cash Flow Confidence Calculator which is designed to give you a clearer view of what is available, what is expected to come in and what needs to be covered over the next 30 days. We have a new FREE resource - The 60-Minute Monthly Reset to Finally Feel in Control of Your Cash - that you can download from here . Learn exactly what to do on the 1st of every month so your business moves forward, not sideways. Complete our FREE ‘ Business Health Check ’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time. Where to find us: Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon. Subscribe on your favourite podcast app to stay in the loop with every insightful episode. If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call. Stay tuned for the next episode of Prosperity on the Horizon , the podcast that transforms businesses through the power of numbers and the story behind them.

May 21, 202617 min

Can Your Business Support the Hire You Keep Putting Off?

Julianna explains that the hire founders keep delaying is usually a visibility problem rather than a money problem, because many people rely on feelings instead of data and do not know what the next 30 to 60 days look like financially. She shares a client story where the numbers showed a quiet four-week period which was normal in the business, the part-time support cost was manageable and the freed-up time increased capacity for work already in the pipeline. She outlines four steps to assess a hire: calculate the true monthly cost, map the next 60 days of confirmed cash in and out, check timing and buffers and consider what the hire enables. She also highlights the cost of waiting (time, energy and growth) and also promotes an EOFY checklist, a cash flow confidence calculator and a June workshop. 00:00 Hiring Hesitation Explained 01:22 Why Founders Delay 03:01 Client Story Breakthrough 05:34 Feelings vs Cash Flow 07:47 Four Step Hiring Test 10:07 The Cost of Waiting 11:31 EOFY Resources and Workshop 12:45 Your Next Action Steps 14:23 Wrap Up and Next Episode If you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success. The EOFY Checklist will be available - if not there yet already - on our website under Resources . Register your interest for Finish Strong - the EOFY Workshop for Service-Based Founders happening in June, and when you do you will also get access to the free Cash Flow Confidence Calculator which is designed to give you a clearer view of what is available, what is expected to come in and what needs to be covered over the next 30 days. We have a new FREE resource - The 60-Minute Monthly Reset to Finally Feel in Control of Your Cash - that you can download from here . Learn exactly what to do on the 1st of every month so your business moves forward, not sideways. Complete our FREE ‘ Business Health Check ’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time. Where to find us: Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon. Subscribe on your favourite podcast app to stay in the loop with every insightful episode. If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call. Stay tuned for the next episode of Prosperity on the Horizon , the podcast that transforms businesses through the power of numbers and the story behind them.

May 14, 202616 min

Why the Money Always Seems to Run Out Before the Month Does

In episode 117 of Prosperity on the Horizon, Julianna explains why founders often feel like money “disappears” even in a good month. She describes three common causes: the delay between earning money and receiving it, uneven or ‘lumpy’ expenses that land close together and small recurring costs that add up over time. Julianna highlights the difference between a profitable month and a cash positive month, stressing that profit is about totals while cash flow is about timing. She recommends mapping the next four weeks as a timeline of when money will land and when every cost will leave the account, and shares a free cash flow confidence calculator in the show notes. 00:00 Welcome Back and Series Setup 00:50 Why Money Seems to Vanish 01:32 That Midmonth Bank Shock 02:32 Three Cash Flow Culprits 04:36 Founder Story Timing Trap 06:55 Profit vs Cash Positive 08:53 One Timeline Exercise 10:59 Visibility Not Money Problem 11:44 Free Calculator and Next Week 12:47 Wrap Up and Goodbye If you are listening to this podcast, chances are you are already on your way to exploring your numbers with a desire to understand and master your business finances, realising the transformative power that numbers hold for your business success. We have a new FREE resource - The 60-Minute Monthly Reset to Finally Feel in Control of Your Cash - that you can download from here . Learn exactly what to do on the 1st of every month so your business moves forward, not sideways. If you often feel unsure about your cash flow , even during busy or high-revenue months, I put together a simple tool that may help. It is called the Cash Flow Confidence Calculator and it is designed to give you a clearer view of what is available, what is expected to come in and what needs to be covered over the next 30 days. Nothing overly detailed or complicated, just a straightforward way to better understand your position and make decisions with more confidence. You can download it here . Complete our FREE ‘ Business Health Check ’ form to give you insights into where you’re strong or weak in your business, where there are opportunities to improve, how your business is performing in terms of profitability, cash and time. Where to find us: Available on all major podcast platforms: Apple Podcasts, Spotify, Youtube and Amazon. Subscribe on your favourite podcast app to stay in the loop with every insightful episode. If you’d like to find out more about Julianna and her business, visit www.horizonaccounts.com.au or follow her on LinkedIn and Instagram @horizonaccounts or book a free 30 minute Business Diagnostic Review Call. Stay tuned for the next episode of Prosperity on the Horizon , the podcast that transforms businesses through the power of numbers and the story behind them.