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Money Secrets

Fi Johnston
Money Secrets
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  • EP#42 How to Transition from Lower to Higher Prices
    How to Transition from Lower to Higher Prices In this episode of Money Secrets, Fi tackles one of the trickiest parts of growing a business: how to increase your prices while managing legacy priced clients. From the fear of losing existing clients to the challenge of attracting premium ones, Fi shares clear strategies for navigating the “messy middle.” That transition period between what your old clients are paying and what your new ideal clients will happily invest. If you’ve ever wondered how to successfully stop undercharging, this episode is your roadmap. 🎧 Tune in for mindset shifts, pricing strategies, and practical steps to confidently transition from legacy clients to premium clients. Want to find out more about Good Money Club? It's designed for female and non-binary business owners ready to make more money and impact. The doors to Good Money Club open next Mon, 22 Sep. It's the last time the program will open this year, and the only way to work with Fi until next year. Join us? What you'll learn in this episode: Why ideal clients aren’t just about budget. They’re about valuing your transformation and outcomes. The marketing shift you need to make when charging premium prices (hint: it’s about clarity and communication). Why legacy clients are harder to move up more than 10–20% a year, and what to do instead. Strategies for managing the transition: small steady increases, bold price rises with notice, or saving three months of expenses as a buffer. How to back yourself through the fear of losing clients, and why letting go of some can actually strengthen your business. Why premium clients will pay more, as long as you can clearly explain and deliver the value. How this transition is less about maths and more about mindset, and the mental gymnastics that business owners need to practice. ________________________________________________________________________ We’ve come so far as a society in many ways, but money is one of the areas where progress hasn’t been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business. In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open. Fi’s mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make—and manage—more money. ________________________________________________________________________ Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.businessIf you are excited for what’s to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here. 👉 Try Rounded free for 30 days The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed. Check out my FREE Pricing Training you need to set your prices for profitability. ________________________________________________________________________ This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land. ________________________________________________________________________
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  • EP#41 Why Setting Goals in Small Business Works
    Setting Goals Isn’t About Predicting the Future In this episode of Money Secrets, Fi Johnston dives into why so many small business owners resist setting goals. And how a simple reframe can turn goal-setting into one of the most powerful tools in your business. From the fear of “what if I don’t hit it?” to the overwhelm of unpredictable, lumpy income, Fi shares why goals aren’t about perfectly predicting the future. They’re about designing the business you want, giving yourself clarity, and creating levers you can actually pull to move forward. If you’ve ever avoided goal-setting because it felt scary or pointless, this episode will change the way you think about it. 🎧 Tune in for mindset shifts, practical strategies, and the truth about why monitoring your progress is where the magic really happens. What you'll learn in this episode: Why goals aren’t about prediction, but about designing your future business. How financial roadmaps reduce anxiety and help you feel more in control. The real reason “not hitting the goal” shouldn’t stop you from setting one. Why aiming higher (and missing sometimes) is better than always playing it safe. How to build simple, practical tools for monitoring your progress. Why year-to-date results matter more than one “bad month”. The mindset shift that turns tracking into a strategy, not self-criticism. ________________________________________________________________________ We’ve come so far as a society in many ways, but money is one of the areas where progress hasn’t been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business. In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open. Fi’s mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make—and manage—more money. ________________________________________________________________________ Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.businessIf you are excited for what’s to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here. 👉 Try Rounded free for 30 days The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed. Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us? Check out my FREE Pricing Training you need to set your prices for profitability. ________________________________________________________________________ This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land. ________________________________________________________________________
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  • Ep#40 Are you even in business if you're not checking Seek?: Big career shifts with Jen Murnaghan
    When Women Talk Money, Everyone Wins In this episode of Money Secrets, Fi sits down with Jen Murnaghan from Digital Dandy to explore the very real shift from 12 years of solo business into a values-aligned employed role — and the money skills that made it possible. From growing up with “we don’t talk about money” to learning to price, negotiate, and back herself, Jen shares how financial literacy, community, and honest reflection changed everything. If you’ve ever wondered whether the grass is greener in employment (or just different), this conversation is a generous, grounded look at seasons, capacity, and choosing better, not bigger. 🎧 Tune in for mindset shifts, practical moves, and learn how Jen proves Fi’s belief that when women share openly in safe spaces, everyone earns more. What you'll learn in this episode: Why confidence with money starts with clarity, and how accountants/bookkeepers can remove fear and build good habits. How to put a number next to your (product/ service/ salary) value, from overcoming undercharging to negotiating salary (and even shaping a job title). The power of seasons in business, and why choosing stability doesn’t mean you’ve quit. It means you’re designing for your life. Better, not bigger: how a Company-of-One mindset, plus a trusted contractor bench, can still deliver scale and impact. Why women talking money matters, and how transparent conversations in safe rooms lead to better pricing for everyone. Simple ways to build pricing confidence, including peer benchmarking, researching aligned rates, and giving value “gifts” in pitches. Money habits, like Profit First thinking and planning for tax/super, whether you’re consulting or on a salary. Connect with Jen: Web: https://www.digitaldandy.com.au/ LinkedIn: https://www.linkedin.com/in/jenmurnaghan ________________________________________________________________________ We’ve come so far as a society in many ways, but money is one of the areas where progress hasn’t been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business. In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open. Fi’s mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make—and manage—more money. ________________________________________________________________________ Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.businessIf you are excited for what’s to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here. 👉 Try Rounded free for 30 days The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed. Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us? Check out my FREE Pricing Training you need to set your prices for profitability. ________________________________________________________________________ This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land. ________________________________________________________________________
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  • Ep#39: How to Fix Underpricing
    Are you charging enough? The three-part pricing formula you need. Psst! Want to hear a money secret? Almost every female and non-binary business owner I’ve met is underpricing. If you think you might be undercharging, you’re not alone. In this mini Money Secret episode, we’re diving into the three essential elements of pricing that go beyond just the numbers. Pricing isn’t just about picking a number that feels right. It’s about making sure your business is sustainable, profitable, and positioned for long-term success. It’s time to stop playing small and start charging what your work is worth. Hit play now 🎧 What you'll learn in this episode: Pricing as mathematics: How much do you want to earn? What are your expenses? What’s your revenue goal? The math matters. Pricing as money psychology: Your personal history with money is shaping the way you price your work, often without you realising it. Pricing as demand creation: People need to want what you’re offering at the price you’re charging. That means positioning, branding, and marketing play a huge role. ________________________________________________________________________ We’ve come so far as a society in many ways, but money is one of the areas where progress hasn’t been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business. In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open. Fi’s mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make—and manage—more money. ________________________________________________________________________ Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.businessIf you are excited for what’s to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here. 👉 Try Rounded free for 30 days The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed. Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us? Check out my FREE Pricing Training you need to set your prices for profitability. ________________________________________________________________________ This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land. ________________________________________________________________________
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    7:05
  • Ep#39: How to Fix Underpricing
    Are you charging enough? The three-part pricing formula you need. Psst! Want to hear a money secret? Almost every female and non-binary business owner I’ve met is underpricing. If you think you might be undercharging, you’re not alone. In this mini Money Secret episode, we’re diving into the three essential elements of pricing that go beyond just the numbers. Pricing isn’t just about picking a number that feels right. It’s about making sure your business is sustainable, profitable, and positioned for long-term success. It’s time to stop playing small and start charging what your work is worth. Hit play now 🎧 What you'll learn in this episode: Pricing as mathematics: How much do you want to earn? What are your expenses? What’s your revenue goal? The math matters. Pricing as money psychology: Your personal history with money is shaping the way you price your work, often without you realising it. Pricing as demand creation: People need to want what you’re offering at the price you’re charging. That means positioning, branding, and marketing play a huge role. ________________________________________________________________________ We’ve come so far as a society in many ways, but money is one of the areas where progress hasn’t been enough. If we want to tip the scales in favour of marginalised people, it starts with understanding the secret: money in small business. In this podcast, Money Secrets, host Fiona (Fi) Johnston, Chartered Accountant, small business advocate, and impact enthusiast, dives into the conversations we need to have about money. The secrets that once stayed behind closed doors (or on the golf course) are finally out in the open. Fi’s mission? To get more money into the hands of good people, like you. She believes small businesses have the power to change the world, and the key to making a bigger impact is to make—and manage—more money. ________________________________________________________________________ Thank you to everyone involved for bringing this podcast together. We are excited to hear from you with any questions, feedback or suggestions for future episodes that you might have. Send a Direct Message to @peach.businessIf you are excited for what’s to come, please like this episode, follow the podcast and share it with your friends. We are thrilled you're here. 👉 Try Rounded free for 30 days The link is for users new to Rounded only and offers a free, unrestricted 30-day free trial of Rounded for users who pay tax in Australia or New Zealand. No credit card needed. Want to find out more about Good Money Club? It's for female and non-binary business owners ready to make more money and impact. Join us? Check out my FREE Pricing Training you need to set your prices for profitability. ________________________________________________________________________ This podcast episode was recorded on the lands of the Wurundjeri People of the Kulin Nation and I'd like to acknowledge them as the Traditional Owners and custodians of this land and water that I live, work and play on. I'd like to pay respect to elders both past and present, and note that sovereignty has never been ceded. This always was and always will be Aboriginal and Torres Strait Islander land. ________________________________________________________________________
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The Money Secrets of successful small business owners. Let's get more money into the hands of good business owners, by talking more about the secrets of money in business.
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