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    <title>blog</title>
    <link>https://hubspot.squarepenny.com.au/blog</link>
    <description />
    <language>en</language>
    <pubDate>Thu, 29 Oct 2026 00:13:38 GMT</pubDate>
    <dc:date>2026-10-29T00:13:38Z</dc:date>
    <dc:language>en</dc:language>
    <item>
      <title>CFO Series: Beyond the Numbers | Part 8 of 8</title>
      <link>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-8-of-8</link>
      <description>&lt;h3&gt;&lt;strong&gt;Key signs your business has outgrown its finance function&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;Most businesses don't plan their finance function. It just sort of happens.&lt;/p&gt;</description>
      <content:encoded>&lt;h3&gt;&lt;strong&gt;Key signs your business has outgrown its finance function&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;Most businesses don't plan their finance function. It just sort of happens.&lt;/p&gt;  
&lt;img src="https://track-ap1.hubspot.com/__ptq.gif?a=24001884&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fhubspot.squarepenny.com.au%2Fblog%2Fcfo-series-beyond-the-numbers-part-8-of-8&amp;amp;bu=https%253A%252F%252Fhubspot.squarepenny.com.au%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 21 Oct 2026 02:20:04 GMT</pubDate>
      <author>georginaj@squarepenny.com.au (Georgina)</author>
      <guid>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-8-of-8</guid>
      <dc:date>2026-10-21T02:20:04Z</dc:date>
    </item>
    <item>
      <title>CFO Series: Beyond the Numbers | Part 7 of 8</title>
      <link>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-7-of-8</link>
      <description>&lt;h3&gt;&lt;strong&gt;Why your margins matter more than your turnover&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;Turnover is the number that gets mentioned at barbecues. 'We hit two million this year'&amp;nbsp;sounds impressive, and it's a genuine milestone.&lt;/p&gt;</description>
      <content:encoded>&lt;h3&gt;&lt;strong&gt;Why your margins matter more than your turnover&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;Turnover is the number that gets mentioned at barbecues. 'We hit two million this year'&amp;nbsp;sounds impressive, and it's a genuine milestone.&lt;/p&gt;  
&lt;img src="https://track-ap1.hubspot.com/__ptq.gif?a=24001884&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fhubspot.squarepenny.com.au%2Fblog%2Fcfo-series-beyond-the-numbers-part-7-of-8&amp;amp;bu=https%253A%252F%252Fhubspot.squarepenny.com.au%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 07 Oct 2026 05:25:36 GMT</pubDate>
      <author>georginaj@squarepenny.com.au (Georgina)</author>
      <guid>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-7-of-8</guid>
      <dc:date>2026-10-07T05:25:36Z</dc:date>
    </item>
    <item>
      <title>CFO Series: Beyond the Numbers | Part 6 of 8</title>
      <link>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-6-of-8</link>
      <description>&lt;h3&gt;&lt;strong&gt;Work on your business, not just in it&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;If you're constantly putting out fires, chasing payments, worrying about cash flow or making decisions without clear financial insight, it's hard to focus on what really matters.&lt;/p&gt;</description>
      <content:encoded>&lt;h3&gt;&lt;strong&gt;Work on your business, not just in it&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;If you're constantly putting out fires, chasing payments, worrying about cash flow or making decisions without clear financial insight, it's hard to focus on what really matters.&lt;/p&gt;  
&lt;img src="https://track-ap1.hubspot.com/__ptq.gif?a=24001884&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fhubspot.squarepenny.com.au%2Fblog%2Fcfo-series-beyond-the-numbers-part-6-of-8&amp;amp;bu=https%253A%252F%252Fhubspot.squarepenny.com.au%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 07 Oct 2026 05:17:03 GMT</pubDate>
      <author>georginaj@squarepenny.com.au (Georgina)</author>
      <guid>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-6-of-8</guid>
      <dc:date>2026-10-07T05:17:03Z</dc:date>
    </item>
    <item>
      <title>CFO Series: Beyond the Numbers | Part 5 of 8</title>
      <link>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-5-of-8</link>
      <description>&lt;h3&gt;&lt;strong&gt;When is the right time to bring in a CFO?&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;Many business owners think a CFO is something you need once your business is 'big enough'.&lt;/p&gt;</description>
      <content:encoded>&lt;h3&gt;&lt;strong&gt;When is the right time to bring in a CFO?&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;Many business owners think a CFO is something you need once your business is 'big enough'.&lt;/p&gt;  
&lt;img src="https://track-ap1.hubspot.com/__ptq.gif?a=24001884&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fhubspot.squarepenny.com.au%2Fblog%2Fcfo-series-beyond-the-numbers-part-5-of-8&amp;amp;bu=https%253A%252F%252Fhubspot.squarepenny.com.au%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 07 Oct 2026 05:06:16 GMT</pubDate>
      <author>georginaj@squarepenny.com.au (Georgina)</author>
      <guid>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-5-of-8</guid>
      <dc:date>2026-10-07T05:06:16Z</dc:date>
    </item>
    <item>
      <title>CFO Series: Beyond the Numbers | Part 4 of 8</title>
      <link>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-4-of-8</link>
      <description>&lt;h3&gt;&lt;strong&gt;Are you making decisions... or guessing?&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;As a business owner, you're making decisions every day. Hiring a new team member, investing in equipment, increasing prices, taking on new work, expanding into a new market.&lt;/p&gt;</description>
      <content:encoded>&lt;h3&gt;&lt;strong&gt;Are you making decisions... or guessing?&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;As a business owner, you're making decisions every day. Hiring a new team member, investing in equipment, increasing prices, taking on new work, expanding into a new market.&lt;/p&gt;  
&lt;img src="https://track-ap1.hubspot.com/__ptq.gif?a=24001884&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fhubspot.squarepenny.com.au%2Fblog%2Fcfo-series-beyond-the-numbers-part-4-of-8&amp;amp;bu=https%253A%252F%252Fhubspot.squarepenny.com.au%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 07 Oct 2026 04:55:51 GMT</pubDate>
      <author>georginaj@squarepenny.com.au (Georgina)</author>
      <guid>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-4-of-8</guid>
      <dc:date>2026-10-07T04:55:51Z</dc:date>
    </item>
    <item>
      <title>CFO Series: Beyond the numbers | Part 3 of 8</title>
      <link>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-3-of-8</link>
      <description>&lt;h3&gt;&lt;strong&gt;Three numbers every business owner should know&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;If you only looked at three numbers each month, which would they be?&lt;/p&gt;</description>
      <content:encoded>&lt;h3&gt;&lt;strong&gt;Three numbers every business owner should know&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;If you only looked at three numbers each month, which would they be?&lt;/p&gt;  
&lt;img src="https://track-ap1.hubspot.com/__ptq.gif?a=24001884&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fhubspot.squarepenny.com.au%2Fblog%2Fcfo-series-beyond-the-numbers-part-3-of-8&amp;amp;bu=https%253A%252F%252Fhubspot.squarepenny.com.au%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 07 Oct 2026 03:25:48 GMT</pubDate>
      <author>georginaj@squarepenny.com.au (Georgina)</author>
      <guid>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-3-of-8</guid>
      <dc:date>2026-10-07T03:25:48Z</dc:date>
    </item>
    <item>
      <title>CFO Series: Beyond the Numbers | Part 2 of 8</title>
      <link>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-2-of-8</link>
      <description>&lt;h3&gt;&lt;strong style="font-size: 32px; background-color: transparent;"&gt;Cash flow isn't the same as profit&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;One of the biggest misconceptions in business?&lt;/p&gt;</description>
      <content:encoded>&lt;h3&gt;&lt;strong style="font-size: 32px; background-color: transparent;"&gt;Cash flow isn't the same as profit&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;One of the biggest misconceptions in business?&lt;/p&gt;  
&lt;img src="https://track-ap1.hubspot.com/__ptq.gif?a=24001884&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fhubspot.squarepenny.com.au%2Fblog%2Fcfo-series-beyond-the-numbers-part-2-of-8&amp;amp;bu=https%253A%252F%252Fhubspot.squarepenny.com.au%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 07 Oct 2026 03:20:06 GMT</pubDate>
      <author>georginaj@squarepenny.com.au (Georgina)</author>
      <guid>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-2-of-8</guid>
      <dc:date>2026-10-07T03:20:06Z</dc:date>
    </item>
    <item>
      <title>CFO Series: Beyond the numbers | Part 1 of 8</title>
      <link>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-1-of-8</link>
      <description>&lt;h3&gt;&lt;strong&gt;Build a budget that actually works&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;How confident are you in your FY27 business budget?&lt;/p&gt;</description>
      <content:encoded>&lt;h3&gt;&lt;strong&gt;Build a budget that actually works&lt;/strong&gt;&lt;/h3&gt; 
&lt;p&gt;How confident are you in your FY27 business budget?&lt;/p&gt;  
&lt;img src="https://track-ap1.hubspot.com/__ptq.gif?a=24001884&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fhubspot.squarepenny.com.au%2Fblog%2Fcfo-series-beyond-the-numbers-part-1-of-8&amp;amp;bu=https%253A%252F%252Fhubspot.squarepenny.com.au%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 07 Oct 2026 03:04:59 GMT</pubDate>
      <author>georginaj@squarepenny.com.au (Georgina)</author>
      <guid>https://hubspot.squarepenny.com.au/blog/cfo-series-beyond-the-numbers-part-1-of-8</guid>
      <dc:date>2026-10-07T03:04:59Z</dc:date>
    </item>
    <item>
      <title>Senior Bookkeeper</title>
      <link>https://hubspot.squarepenny.com.au/blog/senior-bookkeeper</link>
      <description>&lt;p&gt;WE’RE LOOKING FOR AN&lt;strong&gt; EXPERIENCED SENIOR BOOKKEEPER&lt;/strong&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;p&gt;WE’RE LOOKING FOR AN&lt;strong&gt; EXPERIENCED SENIOR BOOKKEEPER&lt;/strong&gt;&lt;/p&gt;  
&lt;img src="https://track-ap1.hubspot.com/__ptq.gif?a=24001884&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fhubspot.squarepenny.com.au%2Fblog%2Fsenior-bookkeeper&amp;amp;bu=https%253A%252F%252Fhubspot.squarepenny.com.au%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 16 Sep 2026 02:03:52 GMT</pubDate>
      <author>georginaj@squarepenny.com.au (Georgina)</author>
      <guid>https://hubspot.squarepenny.com.au/blog/senior-bookkeeper</guid>
      <dc:date>2026-09-16T02:03:52Z</dc:date>
    </item>
    <item>
      <title>Spring Financial Clean-up</title>
      <link>https://hubspot.squarepenny.com.au/blog/spring-financial-clean-up</link>
      <description>&lt;p style="font-size: 30px; font-weight: bold;"&gt;&lt;span style="color: #09152b; background-color: #ffffff;"&gt;How to review your business expenses and reduce&amp;nbsp;unnecessary costs.&lt;/span&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;p style="font-size: 30px; font-weight: bold;"&gt;&lt;span style="color: #09152b; background-color: #ffffff;"&gt;How to review your business expenses and reduce&amp;nbsp;unnecessary costs.&lt;/span&gt;&lt;/p&gt;  
&lt;img src="https://track-ap1.hubspot.com/__ptq.gif?a=24001884&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fhubspot.squarepenny.com.au%2Fblog%2Fspring-financial-clean-up&amp;amp;bu=https%253A%252F%252Fhubspot.squarepenny.com.au%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Tue, 08 Sep 2026 02:26:37 GMT</pubDate>
      <author>georginaj@squarepenny.com.au (Georgina)</author>
      <guid>https://hubspot.squarepenny.com.au/blog/spring-financial-clean-up</guid>
      <dc:date>2026-09-08T02:26:37Z</dc:date>
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