January Newsletter 2025

Hello 2025!

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Happy New Year, our team at Ceebeks are looking forward to helping you achieve greater things and enjoy a successful 2025!

With the start of the new year it is time for a reset of the plans and goals you want to achieve.

The cornerstone of effective goal setting is the SMART framework. This acronym ensures your goals are:

  • Specific: Clearly define what you want to achieve. Avoid vague statements.
  • Measurable: Establish criteria to track your progress. Use metrics and numbers.
  • Achievable: Set realistic goals that are within your reach. Consider your resources and limitations.
  • Relevant: Ensure your goals align with your overall objectives and values.
  • Time-bound: Set a deadline for achieving your goals. This creates a sense of urgency

Setting achievable goals for the new year, whether personal or business-related, requires a structured approach. Here’s a breakdown of how to set yourself up for success:

We all should set goals for ourselves in our personal and business lives to enjoy a more fulfilling life.

Think about all the bits of your personal life:

  • Health and Fitness:
    • Instead of “get fit,” try “walk the dog for 30 minutes, three times a week” or “drop a kilo a week for the next ten weeks.”
  • Personal Growth:
    • Instead of “learn something new,” aim to “finish that online coding course by winter.”
  • Family and Mates:
    • Instead of “spend more time with the family,” plan “a barbie every Sunday” or “a weekend camping trip every couple of months.”
  • Money Matters:
    • Instead of “save some cash,” aim to “transfer $200 a month into a separate account.”

Link your business goals to your overall strategy and focus on the important stuff:

  • Making Money:
    • Instead of “boost profits,” aim to “increase sales by 15% this financial year.”
  • Customers – Keep ’em Coming Back:
    • Instead of “get more customers,” aim to “sign up 100 new customers a month” or “keep 10% more of the ones we’ve already got.”
  • Running Smoothly:
    • Instead of “improve things,” aim to “cut production costs by 5% by streamlining the process.”
  • Looking After the Team:
    • Instead of “make the team better,” plan to “run two training sessions a quarter for everyone.”

Chop it Up – Don’t Get Bogged Down

Big goals can be a bit overwhelming. Break ’em down into smaller, easier bits. Makes it less daunting and gives you a clear plan. We use a 90-day Action Plan to break the yearly goals down to each quarter.

Write it Down, Keep Track – No Excuses

Writing your goals down makes ’em real. Use Post It notes in bright colours and stick them on your bathroom mirror or above your computer at work so that they “are always in your face!” Keep an eye on your progress – weekly or monthly. Keeps you motivated and lets you make changes if needed.

Be Flexible – Things Change, $%!* Happens!

Curve balls in life always happen. Be ready to change your goals if you have to. The main thing is to keep your eye on the prize while being adaptable.

Give Yourself a Pat on the Back – You Deserve It

Don’t forget to celebrate your wins, big or small. It reinforces good habits and keeps you going.

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Do you need some accountability, extra motivation and guidance in 2025? 

If so, reach out and we can make you part of our new monthly Accountability Group of like-minded business owners that want to succeed and excel. We can also show you how our business coaching program – Chasers Getting ResultsTM – works if you really want to take your business to the next level!

3rd Quarter Theme

Our theme for our blog posts for third quarter of the 2024/25 financial year is ‘Simple Systems’ and focuses on how to build your business so that it runs like a well-oiled machine with minimal involvement from you.  Be sure to check out our daily blogs and weekly podcasts for tips, strategies and ideas to help you achieve success more quickly.

Looking to start a business? Get a copy of our latest book before you do to fast-track your success

Or looking to grow your business in these tougher economic times?

Both books are for any aspiring entrepreneur who wants to grow their business and to understand what to look out for and avoid when they start their business, too!

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The first Chasers Mastermind for 2025 commences next Monday 13th of January for those business owners who want to build a better business and be held accountable for the critical tasks that they want to implement to move forward and closer to achieving greater success.

Your investment in this program will $100 plus GST per week. You will be able to focus on specific areas for your business that need attention, collaborate on ideas and strategies in a group learning environment and share what’s working.

For more information, please check out this link: The Chasers Mastermind

If you have not yet left a review for us on our Google Reviews, then now is the chance to do this and get 12 chances of winning a luxury 3-night holiday in Tropical Mackay in North Queensland. That’s right! By simply scanning this QR Code and following the instructions we will enter you in the monthly draw to win.

The winners so far in 2025 were:

  • Jul – Di Essenwanger
  • Aug – Micky Jones
  • Sep – Annemaree Stonehouse
  • Oct – Darrell Morrison

November’s winner was:

Monthly Winner Draw

If you are not successful in previous months, you will be automatically re-entered for the following month giving you up to 12 possible chances of winning this awesome holiday. As soon as you leave a review our Team will be notified and will enter your name in the draw. Good luck!

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The latest edition of our National Award Winning Magazine – No. 18. – is now published and available for you to read. It features local psychotherapist, Virginia Klink from Safe Space psychotherapy, heaps of educational tips and ideas and an article on how to build your marketing machine by Marketing Queen, Chantal Gerardy

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Don’t forget to check out our latest podcast episodes on The Chasers Channel

December Newsletter

We release a new episode every Sunday so make sure you follow our podcast to get the latest news, tips and strategies for bringing you closer to achieving the dreams you are chasing.

November Newsletter 2024

Future-Proof Your Business with Smart Financing

December Newsletter

In today’s fast-paced business landscape, staying competitive means staying up-to-date with the latest technology and equipment. However, the significant upfront costs of these assets can often hinder growth.

Why Traditional Financing Falls Short

Traditionally, businesses have relied on cash reserves to fund asset purchases. While this might seem straightforward, it can have significant drawbacks:

  • Limited Growth Potential: Tying up cash in assets can restrict your ability to invest in other areas, such as hiring, marketing, or research and development.
  • Reduced Flexibility: A lack of cash can make it difficult to adapt to sudden changes in the market or seize unexpected opportunities.
  • Missed Tax Benefits: Many financing options offer tax advantages, such as interest deductions, which can be lost when using cash.

The Power of Scalable Financing

Scalable financing offers a smarter approach to acquiring assets. By spreading payments over time, businesses can:

  • Accelerate Growth: Invest in growth opportunities without draining cash reserves.
  • Optimise Operations: Upgrade outdated equipment to boost efficiency and productivity.
  • Embrace Innovation: Adopt cutting-edge technology to gain a competitive edge.

Flexible Financing Options for Your Business

There are several financing options to suit different business needs:

  • Leasing: A popular choice for businesses that prefer to use assets without owning them. It offers predictable monthly payments and potential tax benefits.
  • Adjustable Loans: These loans provide flexibility to adjust payment terms based on your business’s evolving needs.

The Benefits of a Scalable Approach

A scalable financing approach offers numerous benefits:

  • Preserves Cash Flow: Maintain a healthy cash flow by spreading out payments.
  • Improves Financial Health: Strengthen your financial position and improve creditworthiness.
  • Enhances Agility: Quickly adapt to changing market conditions and seize new opportunities.
  • Minimises Risk: Reduce the risk associated with significant upfront investments.

Ready to Future-Proof Your Business?

By embracing scalable equipment financing, you can position your business for long-term success. Contact Chris on 03-55612643.

Key Dates in December 2024

Calendar

1 December

  • Pay income tax for taxable large and medium taxpayers, companies and super funds. Lodgment of return is due 31 January 2025.
  • Pay income tax for the taxable head company of a consolidated group with a member deemed to be a large or medium taxpayer in the latest year lodged. Lodgment of return is due 31 January 2025.
  • Pay income tax for companies and super funds when lodgment of the tax return was due 31 October 2024.

21 December

  • Lodge and pay November 2024 monthly business activity statement.

Supercharge Your Super: A Comprehensive Guide for Business Owners Over 45

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As a business owner over 45, you’ve likely built a solid foundation for your future. But to truly secure your financial future, it’s essential to maximise your superannuation savings. This guide will explore strategies to accelerate your superannuation fund balance and set yourself up for a comfortable retirement.

Why Superannuation Matters

Superannuation is a powerful tool that offers significant tax benefits and investment opportunities. By contributing to your superannuation fund, you can:

  • Reduce your taxable income: Contributions to your super fund are often tax-deductible, lowering your overall tax bill.
  • Grow your wealth: Invest in a diverse range of assets, including shares, property, and managed funds, to generate long-term returns.
  • Secure your retirement: Build a substantial retirement nest egg to support your desired lifestyle.

Leveraging Property Investment within Your SMSF

One of the most effective ways to grow your superannuation is through property investment.

A Self-Managed Superannuation Fund (SMSF) offers unparalleled flexibility and control over your investments.

Key benefits of using an SMSF for property investment:

  • Direct property ownership: Purchase residential or commercial properties directly within your SMSF.
  • Diversification: Spread your risk across multiple properties and asset classes.
  • Tax advantages: Benefit from tax-deferred growth and potential capital gains tax exemptions.
  • Gear your investments: Use leverage to acquire larger properties and accelerate wealth growth.

However, SMSFs come with administrative responsibilities and regulatory compliance requirements. Consider outsourcing these tasks to a professional SMSF administrator like the team at Ceebeks Business Solutions for GOOD to simplify the process.

NDIS Property Investment: A Lucrative Opportunity

The National Disability Insurance Scheme (NDIS) has created a significant demand for specialised housing. By investing in NDIS-compliant properties within your SMSF, you can:

  • Secure long-term rental income: NDIS tenants often have stable income streams, ensuring consistent rental payments, one investment we facilitated had a gross annual rental of $85,000 from one NDIS tenant!
  • Benefit from government support: The NDIS provides funding for housing modifications and support services.
  • Capitalise on property appreciation: NDIS properties in high-demand areas can experience substantial capital growth.

Before investing in NDIS property, conduct thorough research and seek professional advice to understand the specific requirements and regulations.

Fractionalised Property Investment: A Low-Barrier Entry

If you’re looking to diversify your property portfolio without the significant capital outlay required for a full property purchase, fractionalised property investment is an excellent option. This approach allows you to invest in high-value properties by purchasing a fraction of ownership.

Key advantages of fractionalised property investment:

  • Lower entry cost: Invest in premium properties with a smaller initial investment.
  • Professional management: Experienced property managers handle the day-to-day operations.
  • Diversification: Spread your risk across multiple properties.
  • Potential for high returns: Benefit from rental income, capital appreciation, and tax advantages.

Maximising Your Superannuation: A Strategic Approach

To fully optimise your superannuation, consider the following strategies:

  • Make regular contributions: Consistent contributions, even small amounts, can significantly boost your retirement savings.
  • Take advantage of salary sacrifice: Reduce your taxable income by diverting a portion of your salary into your super fund.
  • Consider a transition to retirement strategy: Access your superannuation funds earlier while continuing to work.
  • Seek professional advice: Consult with a qualified financial advisor to develop a personalised superannuation strategy.

By taking a proactive approach to your superannuation, you can secure your financial future and enjoy a comfortable retirement.

Additional Tips:

  • Stay informed: Keep up-to-date with changes in superannuation laws and regulations.
  • Review your investment strategy regularly: Rebalance your portfolio as needed to align with your financial goals.
  • Consider insurance within your SMSF: Protect your assets and income with life insurance and income protection.
  • Plan for estate planning: Ensure a smooth transition of your superannuation assets to your beneficiaries.

By understanding the opportunities and challenges, you can make informed decisions and achieve your financial goals.

If you’re ready to take control of your financial future, contact Chris on 03-55612643 in 2025 to discuss your specific needs and explore the best strategies for your situation.

General advice disclaimer

The advice provided is general advice only as, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product. Only financial planning advice provided by Ceebeks Financial Solutions is associated with InterPrac Financial Planning Pty Ltd ASFL 246638. Christopher Beks (Authorised Representative no. 231937) is a director of Ceebeks Financial Solutions (Authorised Representative no. 344518) and an Authorised Representative of InterPrac Financial Planning Pty Ltd ASFL 246638 and is authorised to provide personal financial advice. Chris Beks operates under Beks and Associates Pty Ltd, Corporate Authorised Representative No. 344518.

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Our blog content in December has a Christmas flavour and will feature tips, ideas and strategies on how to create a festive mood in your business that attracts customers and helps to increase your sales. Be sure to check them each day. Here is a sample from last week.

In case you missed some of our recent Blog Articles, here are a couple you might find interesting

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On the 1st Day of Christmas …

Hello Chasers, Welcome to the first day of Summer and the countdown towards the big day of celebration that we all look forward to at the tend of the year – Christmas Day. Every day this…

December Newsletter Cover

On the 2nd Day of Christmas …

Hello Chasers, As the hype around Christmas gathers momentum and begins to build, now is the time to create a holiday retail rush for your small business! Children may dream of Santa and presents, but for…

December Newsletter Cover

On the 3rd Day of Christmas …

Hello Chasers, Welcome to the first day of Summer and the countdown towards the big day of celebration that we all look forward to at the tend of the year – Christmas Day. Every day this…

Host Your Next Event in Our Stunning Space Room

The Chasers Hub

A Purpose-Built Workspace to Hot Desk or Conduct Your Meeting

Our new business space, christened ‘The Chasers Hub’ at the Fletcher Jones Business Centre is available for hire. If you need to run a training meeting, hire a ‘hot desk’ or host a virtual presentation then check out the availability of the space with our online calendar or contact Shannae Hewett  on 55612643 and she will discuss your requirements and organise these with your booking.

November Newsletter 2024

Worried about your Home Loan Interest Rates or
Need Finance for that new Ute & Machinery?

If so, now is a good time to review your financial position and your wealth protection cover to ensure a life event such as heart attack, cancer or death doesn’t leave your loved one’s with a debt that they cannot pay back! Contact Angela Tirabassi on 55612643 if you would like to discuss a solution today!

Family

Have you increased your debt levels (Home/Business Loans etc.) recently?

Contact Dale Wilson-Rea on 55612643 for the most competitive rates & taxeffective structuring of your finance today!

Mchinery