Money Secrets

• When Sales Calls Feel Icky: Interview with Joyce Watts

  Selling and managing money are non-negotiable skills for business growth—and Joyce’s story is proof that you can learn to be comfortable with both. If you’ve ever hesitated to ask for money, struggled with pricing, or felt uncertain about managing your business finances, this episode is for you. Today on Money Secrets, we’re joined by Joyce Watts, founder of Tot Hot or Not and Bright Smart, and a digital powerhouse in the media and marketing world. Joyce has built Melbourne and Victoria’s biggest family travel site while also running a successful digital consultancy. In this conversation, Joyce opens up about her journey from sole trader to company owner, how she learned to embrace financial clarity, and the challenges of selling—even when she knows her work delivers real value. She shares the mindset shifts that helped her scale, the power of clear financial goals, and why selling is a skill every business owner needs to master (even if it feels icky at first). If you’ve ever put off sales calls, avoided looking at your numbers, or questioned how to scale your income, Joyce’s story will show you that clarity and confidence in money change everything. Hit play now—because the more we talk about money, the easier it gets. 🎧 ________________________________________________________________________ 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. ________________________________________________________________________ Key Learnings from Joyce’s Story Money Mindset Matters: Joyce always talked about money but didn’t realise the impact of her own money story until she dug deeper. Recognising it gave her clarity—not just in business, but in life. Revenue vs. Take-Home Pay: Moving from a sole trader to a company meant a complete shift in how Joyce managed her money and paid herself. Understanding how to sustain a business while paying yourself well is key to long-term success. Sales Calls Feel Icky—But They’re Necessary: Even for someone as confident as Joyce, making sales calls can feel uncomfortable. But pushing through that discomfort brings results. Clarity Creates Confidence: Knowing where money is coming in and where it’s going out has completely changed Joyce’s relationship with finances—both in business and at home. Money Is Just an Exchange of Value: Joyce’s biggest mindset shift? Money isn’t emotional—it’s simply an exchange for the work and value you provide. Joyce from Tot Hot or Not and Bright Smart: Joyce’s passion (and mission in life) is to help your family have more fun together! Welcome to TOT: HOT OR NOT, Melbourne’s biggest family travel blog with ideas and inspiration to help you explore the best of Melbourne, Regional Victoria and the world. There are over 1000+ of Joyce’s personal reviews and tips about things to do and places to go with kids and family travel-related products and services. Joyce’s family of four includes my husband T, Lady AB (a 10 year girl) and Baby 2.0 (a 8 year old boy). T’s a seventh-generation Anglo Australian, and Joyce is a first generation Chinese immigrant and the kids are Eurasian and bilingual. The family lives in inner-city Melbourne. Joyce is a former intellectual property, IT and media lawyer turned entrepreneur. Joyce runs a digital marketing consultancy called Bright Smart; owns an online bike store CycleStyle and develops and produces bike-related creative experiences for children via WheelieGoodFun.com. Connect with Joyce: Web: https://tothotornot.com/ & https://brightsmart.com.au/ IG: https://www.instagram.com/tothotornot & https://www.instagram.com/brightsmartau/ Facebook: https://www.facebook.com/TOTHOTORNOT LinkedIn: https://www.linkedin.com/in/joyce-watts/ ________________________________________________________________________ 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. 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? Or check out the Peach Business website here to find out more about Fi. 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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  14:00
• Training: How to Price Your Product or Service

  Determine Your Value, Attract the Right Clients, and Get Paid What You Deserve Psst! Want to hear a money secret? In this episode of Money Secrets, Fi breaks down exactly how to price your products and services so you can charge what you’re worth, hit your revenue goals, and attract the right clients. With 25 years of experience working with small businesses, a background as a Chartered Accountant and Business Strategist, and over a decade of running her own businesses, Fi knows that undercharging is one of the biggest challenges small business owners face. In this episode, she shares how to shift your pricing strategy to reflect your value, make more money with less effort, and position yourself as a premium provider. If you’ve ever worried about charging too much, struggled to hit your income goals, or felt unsure about how to set your prices, this episode will change the way you think about pricing for good. 🎧 Hit play now and grab your free pricing guide here: FREE Pricing Training What you’ll learn in this episode: Most small business owners are undercharging. Pricing based on “affordability” often leads to low-quality positioning and undervalues your work. Break your income goal into two key levers—price and volume. Instead of focusing on selling more, consider increasing your price to hit your revenue target with fewer sales. Your price sets the perception of quality. Charging too little can send the wrong message, attracting the wrong clients and turning away high-quality buyers. Savvy clients understand value. The right customers aren’t looking for “cheap”—they’re looking for expertise, experience, and quality, and your pricing should reflect that. ________________________________________________________________________ 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. 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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  15:34
• Own Your Finances, Own Your Future: Interview with Anucia Boer

  It’s Okay to Want to Make Money –Shifting from Fear to Financial Confidence If you’ve ever felt unsure about your earning potential, anxious about managing money or held back by the belief that making money has to be hard, this episode is for you. Today on Money Secrets, we’re joined by Anucia Boer, a model, personal brand, content creator, and marketing brand consultant and business owner. After starting her career working for others, she made the leap into self-employment—building multiple income streams and learning to see herself as a business. In this conversation, Anucia shares how shifting her mindset around money changed how she approaches business. She opens up about learning to want financial success without fear, how managing her money with structure gave her confidence, and why transparency—both with herself and her partner—has made all the difference. If you’ve ever avoided looking at your numbers, felt hesitant about earning more, or struggled to talk about money openly, this episode will help you see finances in a new light. Because when you gain clarity about where your money is coming from and where it’s going, you create the foundation to make more of it—without stress or uncertainty. ________________________________________________________________________ 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. ________________________________________________________________________ Key Learnings from Anucia’s Story It’s Okay to Want to Make Money: One of the biggest shifts in Anucia’s journey was letting go of fear and allowing herself to feel excited about making more money. Small Business Doesn’t Have to Mean Struggle: The stereotype of constantly hustling with no financial security isn’t true—having a clear financial system in place changes everything. Managing Money Brings Confidence: Using a structured system (like Profit First) helped Anucia stay on top of her income, reduce anxiety, and feel empowered in her finances. Transparency is Key: Keeping open financial conversations—especially with a partner—creates stability and shared understanding in both business and life. Fear-Based Money Habits Hold You Back: Saving too aggressively out of fear (rather than strategy) can undermine your financial confidence and keep you from fully valuing your work. Anucia Boer - Model, Content Creator and Brand Strategist. A beautiful mess of delicious flavours❤️‍🔥 Model • Giant Mgmt❤️‍🔥 People & Culture passionate❤️‍🔥 Occasional pant wearer Connect with Anucia: IG: https://www.instagram.com/anuciadeboer/ LinkedIn: https://www.linkedin.com/in/anucia-de-boer/ ________________________________________________________________________ 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. 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? Or check out the Peach Business website here to find out more about Fi. 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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  11:15
• How to Know When to Spend Money to Make Money

  We’ve all heard the saying, “You have to spend money to make money.” But is it actually true? And more importantly, when does it actually work? Psst! Want to hear a money secret? In this episode of Money Secrets, we’re unpacking the real truth behind this common business belief. Sometimes, strategic investments can fuel growth—but other times, they’re just expensive distractions. Understanding the difference can save you thousands and help you make smarter financial decisions. A huge shoutout to Renata Daudt, founder of Awen Consulting, for calling out the need for more nuance in this conversation. She’s a sustainable packaging expert (check her out if you’re navigating the new packaging guidelines!), and she rightly pointed out that this phrase isn’t always black and white—so let’s break it down properly. What you’ll learn in this episode: When spending money can help you make more – and when it’s just wasted cash. How to recognise marketing tactics that push unnecessary investments. Why time is your biggest asset in the early years of business. How your relationship with money shifts as your business grows. The key question to ask before making any business investment. The truth? Spending money is not the same as investing money. Knowing the difference is what sets successful business owners apart. Hit play now and start making smarter money moves 🎧 ________________________________________________________________________ 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. Want to find out about working with Fi? Head here to find out how you can work with her.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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  11:16
• Breaking Down Big Money Goals: Interview with Kate Forsyth

  When You Know How You'll Reach Your Financial Goals, They Suddenly Feel Possible. If you've ever felt overwhelmed by revenue targets, unsure how to price your services, or hesitant about making financial decisions, this episode is for you. Today on Money Secrets, we’re joined by Kate Forsyth, founder of Good Day Club—a business that has evolved from vintage event styling into bold, personalised interior design. Over the last decade, Kate has built an incredible career working with some of Melbourne’s most sought-after venues and clients while navigating the ups and downs of running a creative business. In this conversation, Kate shares how she went from feeling uncertain about money to making confident financial decisions. She opens up about the biggest money myths she had to let go of, how she learned to price her work with intention, and why breaking down financial goals into smaller, tangible steps changed everything. If the idea of setting big revenue targets feels daunting, or if you've ever questioned whether your prices truly reflect the value you provide, this episode will shift your perspective. Because when you understand how you're going to reach your financial goals, they suddenly feel a lot more possible. If you’re ready to stop guessing your prices, set clear financial goals, and make confident money decisions, this episode is for you 🎧 ________________________________________________________________________ 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. ________________________________________________________________________ Key Learnings from Kate’s Story You Can’t Just Guess Your Prices: Kate’s “Quaint Little Spreadsheet” helped her realise she needed to charge more—and that pricing should be based on strategy, not hope. Big Revenue Goals Are Achievable When You Break Them Down: Instead of focusing on an intimidating annual figure, Kate learned to calculate exactly how many events, projects, or clients she needed to reach her target. Don’t Let Small Decisions Drain You: Instead of agonising over every minor expense, ask: Is this revenue-generating? If not, is it still worth it for productivity, creativity, or efficiency? Asking for Money Should Feel Normal: Once Kate truly believed in the value of her work, pricing and invoicing became just another part of client communication—without stress or justification. Money Confidence Comes from Structure and Support: The more Kate built financial systems and sought expert advice, the more comfortable she became with making big business decisions. Kate from Good Day Club: Co-founder and creative director of Melbourne event design and interiors styling legends, Good Day Club.Kate Forsyth is an expert at creating incredible temporary and permanent spaces that create unforgettable experiences. Web: https://www.gooddayclub.com.au/ IG: https://www.instagram.com/gooddayclub_au/ Pinterest: https://au.pinterest.com/gooddayclub_au/ ________________________________________________________________________ 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. 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? Or check out the Peach Business website here to find out more about Fi. 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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  11:40

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