The Bookkeepers' Podcast

Every bookkeeper has clients with a mortgage, and many of them are heading for a rate shock. In this episode, mortgage advisor Gary Das explains what a bookkeeper can do now to prepare clients before the higher payments land. Clients who locked in rates below 2% in 2021-22 could face a big jump when their deal ends. That affects their dividends, their cash flow forecasts and what they can afford to take from the business. Gary has been a mortgage advisor since 2006 and specialises in self-employed mortgages. He shares what lenders look at, and where clients get caught out. In this episode: • Why mortgage rates matter to cash flow forecasts and dividends • The one question to ask every client about their home • Why finalising accounts before speaking to an advisor can lock in a problem • How lenders read profit, and why pension payments or equipment purchases can change what clients can borrow Want to be the bookkeeper who sees problems before clients do? Share this episode with your team. Get Gary's free book, The Self-employed Mortgage Guide (just pay the postage) Find him on Instagram: https://www.instagram.com/garydas/?hl=en ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- About our Sponsor This episode of The Bookkeepers' Podcast is sponsored by Xero. Get 90% off your first 6 months by visiting: https://xero5440.partnerlinks.io/6fig... ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast. Chapters: 00:00:00 - The Mortgage Rate Shock Every Bookkeeper MUST Know 00:01:56 - What Mortgage Advisors Do 00:04:22 - Why Specialisation Matters 00:07:20 - Mortgages, Interest Rates and Bookkeepers 00:10:54 - How AI Is Changing Mortgage Advice 00:15:57 - AI and the Future Mortgage Team 00:18:05 - Why Gary Rebuilt His Business 00:19:54 - Building an Audience Instead of Buying Leads 00:21:51 - Getting Comfortable Being Uncomfortable 00:26:16 - Collaborating on Self-Employed Mortgages 00:30:13 - Preparing Your Finances for a Mortgage #bookkeeper

Every bookkeeper hits the same wall sooner or later: what do I actually charge? In this episode, we look at why one bookkeeper quotes £80 a month while another quotes £280 for the exact same client. We pick apart a real post from our community of 38,000 members: a framing shop with three on payroll, around 90 transactions a month, VAT, MTD and £125,000 turnover. The quotes ranged from £80 to £280, and we explain why there's no scientific answer. In this episode: • Why everyone wants a "right price" and why there isn't one • Why a bookkeeper can't rely on hourly rates when one person covers every overhead • How to reverse engineer your fee, starting from the income you need • Why a minimum monthly fee protects your practice • Outcome pricing: tying your fee to the results you deliver This one is for any bookkeeper who has ever sent a quote and wondered if it was too low. If you're a bookkeeper who wants honest pricing conversations like this every week, join our free community, the Six Figure Bookkeepers Club, on Facebook https://www.facebook.com/groups/6figurebookkeeper ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- About our Sponsor This episode of The Bookkeepers' Podcast is sponsored by Xero. Get 90% off your first 6 months by visiting: https://xero5440.partnerlinks.io/6figurebookkeeper ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast. Chapters: 00:00:00 - Why Bookkeeper Pricing Feels So Difficult 00:02:43 - Start With What Your Business Needs to Earn 00:06:19 - Designing Your Service and Choosing Your Market 00:09:36 - How Brand and Customer Expectations Affect Pricing 00:12:31 - Why Hourly Rates Don’t Tell the Whole Story 00:14:22 - A Real Client Pricing Question 00:15:07 - Understand the Client Before Quoting 00:16:43 - From Fixed Fees to Outcome Pricing 00:19:02 - Set a Minimum Fee and Be Willing to Walk Away 00:19:25 - Build Confidence Without Underpricing Your Business #bookkeeper

As a bookkeeper, are you thinking about AI and technology and the future of work? In this episode, we dive deep into the world of AI with expert Tina Valland, founder of Women in Alliances. She shares her journey from a passion for technology to becoming a key player in the AI landscape. We also go through how AI is reshaping industries, enhancing workflows, and even changing the way we interact with customer service. Connect with Tina! / tina-valand-b191a42 Women in Alliance https://www.womeninalliances.org/ Black Sheep Coffee https://blacksheepcoffee.co.uk/ Desi Daru Vodka https://desidaru.com/ ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- About our Sponsor This episode of The Bookkeepers' Podcast is sponsored by Xero. Get 90% off your first 6 months by visiting: https://xero5440.partnerlinks.io/6fig... ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast. Chapters: 00:00:00 - Should a Bookkeeper Fear AI or Use It? 00:02:38 - How AI Is Changing Everyday Interactions 00:05:44 - AI’s Risks, Benefits and the Need to Upskill 00:09:40 - Adoption, Data and Everyday Uses of AI 00:16:36 - Preparing Children to Use AI Safely and Creatively 00:23:06 - AI Regulation and Business Guardrails 00:25:19 - Bookkeepers as Commercially Aware Advisers 00:26:54 - Building a Portfolio Career Around Your Passions 00:30:53 - Collaborating for Diversity and Inclusion 00:31:40 - Connecting with Tina and Building Partnerships #bookkeeper

Master 90-day planning as a bookkeeper to organise your workload and maintain consistency in your bookkeeper business all year round. Whether you are trying to navigate seasonal busy periods as a bookkeeper or just need a better way to structure your time, having a clear roadmap is essential. In this episode, we break down why we prefer specific planning cycles, like the 12-week year approach, to help you move beyond the daily grind. ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- About our Sponsor This episode of The Bookkeepers' Podcast is sponsored by Xero. Get 90% off your first 6 months by visiting: https://xero5440.partnerlinks.io/6figurebookkeeper ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast. Chapters: 0:00 - Hacking Your Habits as a Bookkeeper 2:14 - The Power of Micro Goals and Small Wins 5:32 - Gamifying Your Progress and Habits 8:02 - The Role of Accountability in Success 15:47 - Reflecting on Your Quarterly Progress #bookkeeper

Can you actually take a month off every year as a bookkeeper? We discuss the systems you need to build a sustainable business. In this episode, we sit down with Matt Essam to look at what it really takes to step away from your daily operations as a bookkeeper without everything falling apart. We explore why business owners often struggle to disconnect and how you can shift your perspective on the future of business to create more personal freedom. Connect with Matt! / mattessam ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- About our Sponsor This episode of The Bookkeepers' Podcast is sponsored by Xero. Get 90% off your first 6 months by visiting: https://xero5440.partnerlinks.io/6fig... ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast. Chapters: 0:00 - Uncovering the Creative Coaching Approach 1:55 - From Advertising to Life Coaching: A Journey 4:32 - Unmasking Phantom Loops in Your Business 6:18 - The Power of Awareness in Breaking Patterns 12:22 - Courage as a Strategy for Visibility 17:29 - The Art of Taking a Strategic Sabbatical