26 Jul 2026 · BAS, Tax & ATO

Australian Tax Brackets & Rates (2026-27)

The current resident income tax rates and brackets for 2026-27, how marginal rates actually work, the Medicare levy, and what sole traders pay, in plain English.

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The True Tally Blog

Plain-English answers for business owners

Everything we've written on BAS, payroll, margins, the ATO and building a business that answers to its goals. Searchable, jargon-free, and written for owners, not accountants.

170 articles

23 Jul 2026 · Health & NDIS

What Dental Practices Can Register as Fixed Assets and How Long to Depreciate Them

ATO effective life rulings for dental chairs, OPGs, CBCT scanners and handpieces. Division 40 vs Division 43 fit-out treatment and instant asset write-off eligibility for Victorian dental practices.

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23 Jul 2026 · Payroll & Super

Dental Practice Payroll: HPSS Award Rates, Associate Dentists and STP Phase 2

Health Professionals and Support Services Award classifications for dental assistants and hygienists, the contractor vs employee test for associates, super on commission income and STP Phase 2 for dental practices.

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23 Jul 2026 · BAS, Tax & ATO

GST, BAS and Bookkeeping for Dental Practices in Victoria

Which dental services are GST-free, how to complete the BAS for a mixed GST practice, input tax credits on equipment, HICAPS reconciliation and answers to the most-searched dental bookkeeping questions.

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23 Jul 2026 · Health & NDIS

Bookkeeping and Tax for Paediatricians in Victoria

Medicare bulk billing reconciliation, GST-free health services, allowable deductions, equipment depreciation and entity structure options for Victorian paediatric specialists.

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23 Jul 2026 · Health & NDIS

Bookkeeping and Tax for Gynaecologists and Obstetricians in Victoria

Revenue stream classification, hospital theatre fee reconciliation, obstetric package income recognition, equipment depreciation for ultrasounds and colposcopes, and assistant surgeon cost treatment.

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19 Jul 2026 · BAS, Tax & ATO

Division 7A Loans, Intercompany Loans and How They Appear on the Balance Sheet

What triggers a Division 7A deemed dividend, how to structure a complying loan, and how intercompany loans must be classified as current or non-current on the balance sheet in Xero.

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19 Jul 2026 · Local & Choosing a Bookkeeper

How You Know When Your Accountant Is Not the Right Fit

The warning signs your accountant is compliance-only when your business needs strategic advice. What a proactive accountant does differently, and how to change accountants without disruption.

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19 Jul 2026 · Local & Choosing a Bookkeeper

When You've Outgrown Doing Your Own Bookkeeping and Payroll

The real cost of DIY bookkeeping, the payroll risks that grow with your headcount, the specific triggers that tell you it is time to bring in a professional, and what handover looks like.

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21 Jul 2026 · Healthcare

Bookkeeping for Multi-Practitioner Healthcare Practices

Several practitioners, one clinic. What the books need to show that a solo practice never has to worry about.

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21 Jul 2026 · Startups

Bookkeeping for Startups: Funding, Runway and Investor-Ready Books

Runway, investor due diligence and the R&D Tax Incentive. The bookkeeping that keeps a startup's next raise from being held up by its own books.

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21 Jul 2026 · Professional Services

Bookkeeping for Independent Consultants: PSI, GST and Structuring

The PSI rules most consultants underestimate, GST registration timing, and structuring decisions that actually hold up.

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21 Jul 2026 · Allied Health

Halaxy vs Splose: Claiming Efficiency for Allied Health Practices

Neither platform is universally better. Here's how to think about the comparison from a bookkeeping and claiming efficiency angle.

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21 Jul 2026 · Property Services

Bookkeeping for Property Inspectors

Contractor arrangements, unpriced report writing, and equipment depreciation. The bookkeeping that shows what an inspection actually costs to deliver.

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21 Jul 2026 · Case Study

Case Study: Growing a Building Services Business in Melbourne

One new website, one Google Ads campaign, and bookkeeping that finally showed which jobs were actually profitable.

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20 Jul 2026 · Legal Practices

Bookkeeping for Lawyers in Melbourne: Trust Accounts, WIP and Disbursements

Trust money, disbursements and work in progress. What legal bookkeeping actually needs to get right, and what to ask before you hire.

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20 Jul 2026 · Conveyancing Practices

Bookkeeping for Conveyancers in Melbourne: Trust Accounts, PEXA and Settlement Payroll

Trust money, same-day PEXA settlements and casual staff payroll. The three things conveyancing bookkeeping has to get right together.

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20 Jul 2026 · Dental Practices

Bookkeeping for Dentists in Melbourne: GST, HICAPS and Associate Dentist Payments

Mixed GST, HICAPS batches and associate dentist payments. What dental bookkeeping needs to get right, and the growth number most practices never see.

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17 Jul 2026 · Local & Choosing a Bookkeeper

10 Signs Your Bookkeeper Isn't Helping You Grow | Melbourne Service Business

If your bookkeeper is managing your past but not building your future, these 10 signs will tell you. For Melbourne service businesses approaching $500…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Cutting Costs in a Recession Without Cutting Quality | Melbourne Small Business

How Melbourne small business owners can reduce costs in a downturn without damaging the quality or service that keeps clients coming back.

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17 Jul 2026 · Trades

Bookkeeping for HVAC Technicians in Melbourne

Expert bookkeeping for Melbourne HVAC technicians. Track job costs, manage fleet expenses, and stay ATO-compliant. Xero-certified support for tradies.

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17 Jul 2026 · Trades

Bookkeeping for Pest Control Businesses in Melbourne

Expert bookkeeping guidance for Melbourne pest control businesses. Track vehicle costs, manage chemical inventory, and stay ATO compliant.

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17 Jul 2026 · Xero & Systems

Xero Latest Features 2026: What's New for Melbourne Service Businesses

Xero's biggest 2025-2026 updates reviewed for Melbourne service businesses: new reporting engine, Analytics Plus cash flow forecasting, Projects impro…

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17 Jul 2026 · Health & NDIS

Bookkeeper for Health Clinics in West Melbourne | Medicare & NDIS

Specialist bookkeeping for health clinics in West Melbourne. Medicare bulk billing, NDIS payments, payroll & BAS lodgement handled by a Xero Certified…

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17 Jul 2026 · Trades

Building a Melbourne Business That Runs Without You

If your Melbourne business stops when you stop, you don't own a business, you own a job. Here's how to build systems, document processes, and use your…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Eliminating Manual Data Entry in Melbourne Business Bookkeeping

Stop wasting hours on manual data entry. Discover how Melbourne small businesses can automate bookkeeping with Xero and save 10+ hours per month.

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17 Jul 2026 · Trades

Bookkeeper for Sunshine Victoria | Trades and Small Business

Fixed monthly bookkeeping for Sunshine small businesses and trades, BAS lodgement, Xero setup and payroll from a registered BAS agent serving Melbourn…

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17 Jul 2026 · Cash Flow & Margins

Marketing Agency Cash Flow: Beating Feast and Famine Melbourne

Why marketing agencies swing between cash-rich and cash-starved months, and how ad spend float, payment terms and retainer mix fix it for Melbourne ag…

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17 Jul 2026 · BAS, Tax & ATO

GST Audit Red Flags: What Triggers ATO Attention | Melbourne

The specific GST reporting patterns that draw ATO scrutiny, and how Melbourne businesses can avoid them through accurate, consistent BAS reporting.

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17 Jul 2026 · Cash Flow & Margins

Managing Feast-or-Famine Cash Flow as a Consultant | Melbourne

Practical ways Melbourne consultants can smooth out irregular income, build a buffer, and stop the busy-quarter, quiet-quarter cycle from causing stre…

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17 Jul 2026 · Xero & Systems

Workflow Automation for Melbourne Small Business | What to Automate First

Discover which workflows Melbourne small businesses should automate first, from invoicing to payroll, to save hours and reduce costly manual errors.

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17 Jul 2026 · BAS, Tax & ATO

Solar & Battery Installation GST for Melbourne Electricians

STC rebates, mixed GST supply and CEC accreditation, how Melbourne electricians should handle GST on solar and battery installation jobs.

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17 Jul 2026 · Trades

Sole Trader vs Company Structure for Melbourne Plumbers

Asset protection, tax rates, PSI rules and VBA registration, how Melbourne plumbing businesses should weigh sole trader vs company structure as they g…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeping for Marketing Agencies Melbourne | Retainer Revenue, Ad Spend & Contractor Costs

Marketing agencies in Melbourne have bookkeeping challenges no generic accountant understands, retainer recognition, ad spend pass-through, contractor…

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17 Jul 2026 · Cash Flow & Margins

How to Automate Accounts Receivable and Get Paid Faster | Melbourne Business Guide

Melbourne small businesses: automate accounts receivable with Xero, cut late payments and improve cash flow. Practical guide from a local Xero Certifi…

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17 Jul 2026 · Trades

Bookkeeping for Solar Installers in Melbourne

Expert bookkeeping for Melbourne solar installers. Manage STC claims, subcontractor payments, inventory tracking and BAS lodgement with confidence.

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17 Jul 2026 · Health & NDIS

Medicare Billing Reconciliation for GP Clinics | Melbourne

Why Medicare bulk billing and patient billing reconciliation is so often wrong in GP clinics, and how to set Xero up to fix it.

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17 Jul 2026 · Local & Choosing a Bookkeeper

Scaling From $1.5m to $3m: What Breaks Next

The financial systems that work at $1.5m don't survive to $3m unchanged. What Melbourne service businesses need to change next at this growth stage.

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17 Jul 2026 · Xero & Systems

Reducing Software Subscription Costs for Melbourne Small Businesses

Melbourne small businesses waste thousands on unused software. Learn how to audit, cut and optimise your subscriptions, and what you can claim at tax …

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17 Jul 2026 · BAS, Tax & ATO

ATO Payment Plans: How to Negotiate One Before It's Too Late | Melbourne

How ATO payment plans actually work, what the ATO expects before approving one, and why negotiating early gives Melbourne businesses far better outcom…

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17 Jul 2026 · BAS, Tax & ATO

Director Penalty Notices (DPN) Explained: PAYG, Super and GST | Melbourne

What a Director Penalty Notice is, how it makes directors personally liable for PAYG, super guarantee and GST debts, and how Melbourne business owners…

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17 Jul 2026 · Cash Flow & Margins

Cash Flow Survival Tactics When Trade Slows Down | Melbourne Small Business

Practical cash flow tactics for Melbourne small business owners when trade slows, debtor management, payment terms, and what to do before it becomes a…

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17 Jul 2026 · Local & Choosing a Bookkeeper

10 Signs You've Outgrown Your Accountant | Melbourne Service Business

If your accountant only calls at tax time and has never mentioned Division 7A, trust structures or ATO benchmarks, you may have outgrown them. 10 sign…

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17 Jul 2026 · Health & NDIS

NDIS Funding Streams Bookkeeping Challenges for OT Practices Melbourne

Agency-managed, plan-managed and self-managed NDIS funding all hit the books differently. Here's what Melbourne OT practices get wrong, and how to fix…

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17 Jul 2026 · BAS, Tax & ATO

Primary Production Tax Concessions Victorian Farmers Should Know | Melbourne

Income averaging, farm management deposits and other primary production concessions explained for Victorian farming operations.

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17 Jul 2026 · BAS, Tax & ATO

BAS Lodgement West Melbourne | On-Time, Penalty-Free Service

Registered BAS Agent in West Melbourne. Lodge your BAS on time, avoid ATO penalties, and keep your GST clean. Xero-integrated, flat-fee bookkeeping.

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17 Jul 2026 · BAS, Tax & ATO

Why Good Bookkeeping Matters: Audits, ATO Scrutiny and Director Liability | Melbourne

What actually happens in an ATO audit, what directors can be personally liable for, and why accurate bookkeeping is the single biggest protection a Me…

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17 Jul 2026 · Local & Choosing a Bookkeeper

RTO Student Fee Income Recognition Melbourne

Why RTO student fees are unearned income until training is delivered, the $1,500 prepaid fee cap under the Standards for RTOs, and what census dates m…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeping for Small Law Firms: Beyond Trust Accounts | Melbourne

Trust accounting gets all the attention, but a Melbourne law firm's general bookkeeping needs just as much structure, here's what's often missed.

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17 Jul 2026 · BAS, Tax & ATO

BAS Late Lodgement Penalties: The ATO Is Less Lenient Now | Melbourne

Why BAS late lodgement penalties are being applied more consistently than they used to be, what they actually cost, and how Melbourne businesses can a…

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17 Jul 2026 · Payroll & Super

Agency Contractor vs Employee: The Risk Melbourne Agencies Miss

The High Court's 2022 contract-first test changed how contractor risk is assessed. What Melbourne marketing agencies need to check on every freelancer…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeping for Privately Practising Midwives Melbourne

Medicare eligible midwife billing, professional indemnity insurance requirements and GST-free maternity services explained for Melbourne PPMs.

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17 Jul 2026 · BAS, Tax & ATO

Barrister Bookkeeping and Tax Deductions Melbourne

How Melbourne barristers should handle floor fees, chambers costs, GST registration, brief-based WIP and the deductions the Bar's own rules make possi…

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17 Jul 2026 · Payroll & Super

Casual vs Permanent Employee: The True Cost Comparison

Casual loading looks expensive per hour, but permanent staff carry costs that don't show up on a payslip. How Melbourne service businesses should actu…

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17 Jul 2026 · Trades

Bookkeeper for West Melbourne Trades Businesses

What good bookkeeping looks like for a West Melbourne trades business, BAS, Xero, job costing, subcontractors, and payroll. From a registered BAS agen…

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17 Jul 2026 · Payroll & Super

Xero Setup West Melbourne | Chart of Accounts, Bank Feeds & Payroll

Get Xero set up right in West Melbourne. Chart of accounts, bank feeds and payroll configured by a Xero Certified Advisor and Registered BAS Agent. Ca…

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17 Jul 2026 · Local & Choosing a Bookkeeper

ASQA Financial Compliance Requirements RTOs Need Their Bookkeeping to Support

What ASQA's financial viability risk assessment actually looks at, and how Melbourne RTOs should structure bookkeeping so a request never causes a scr…

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17 Jul 2026 · Trades

Bookkeeping for Defence Industry Contractors | Melbourne

Practical bookkeeping setup for Melbourne defence industry subcontractors, contract coding, milestone tracking, and cost recovery done properly from t…

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17 Jul 2026 · Trades

Bookkeeping for Landscapers in Melbourne

Expert bookkeeping tips for Melbourne landscapers. Track job costs, manage GST on materials, and keep your outdoor business profitable year-round.

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17 Jul 2026 · Payroll & Super

Unpaid Super Guarantee Charge: What It Costs Melbourne Employers

Missing a super guarantee payment triggers the SGC, a more expensive, non-deductible liability than the super itself. Here's how it works and how to a…

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17 Jul 2026 · Payroll & Super

Hiring Your First Employee | Melbourne Trades Business Guide

PAYG withholding, super, STP, WorkCover, Award rates for Melbourne trades. Every obligation to sort before the first pay run, so you don't get hit wit…

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17 Jul 2026 · Trades

Cost Recovery and Reporting Under Defence Contracts | Melbourne

How cost recovery actually works under a defence contract, what counts as a recoverable cost, and how Melbourne subcontractors get reporting right.

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17 Jul 2026 · BAS, Tax & ATO

Bookkeeping for Optometrists Melbourne | Medicare, Optical Dispensing & Mixed GST

Specialist bookkeeping for Melbourne optometry practices. Medicare bulk billing, optical dispensing GST, private health fund reconciliation and frame …

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17 Jul 2026 · BAS, Tax & ATO

Insolvent Trading: When a Director Becomes Personally Liable | Melbourne

What insolvent trading actually means under Australian law, the warning signs, and how Melbourne directors can avoid becoming personally liable for co…

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17 Jul 2026 · Trades

Bookkeeping for Builders in Melbourne | Construction Accounting Guide

Expert bookkeeping for Melbourne builders. Master progress claims, retention tracking, subcontractor payments and QBCC compliance. Local construction …

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17 Jul 2026 · Local & Choosing a Bookkeeper

Record-Keeping Requirements Every Australian Small Business Must Meet | Melbourne

What records the ATO actually requires you to keep, for how long, and in what form, a practical guide for Melbourne small business owners.

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17 Jul 2026 · Cash Flow & Margins

KPIs for Melbourne Service Businesses | What to Measure and Why

Revenue is not a KPI. Here are the 8 financial and operational KPIs that actually tell you whether a Melbourne service business is healthy, and how to…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Preparing Your Financials for a Business Loan

Lenders read your Xero file more carefully than you think. What Melbourne service businesses need in order before applying for growth finance.

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17 Jul 2026 · Local & Choosing a Bookkeeper

WIP and Disbursements in Law Firm Bookkeeping Melbourne

Work in progress and disbursements are two of the most commonly mishandled items in Melbourne law firm bookkeeping. Here's how they should be treated,…

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17 Jul 2026 · BAS, Tax & ATO

BAS for Medical Practices: Understanding GST-Free Health Services | Melbourne

Which medical services are actually GST-free, which aren't, and how Melbourne medical practices should code them correctly for BAS.

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17 Jul 2026 · Cash Flow & Margins

Cash Flow Planning for Melbourne Service Businesses

Melbourne service businesses have unique cash flow patterns, project deposits, 30-day invoices, seasonal slowdowns. Here's how to plan for them so you…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Trust Account Compliance for Victorian Conveyancers | Melbourne

What Victorian conveyancers need to get right with trust accounting, settlement funds, reconciliation timing, and the compliance regime that governs i…

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17 Jul 2026 · Payroll & Super

Subcontractor vs Employee: Super Obligations for Melbourne Service Businesses

The SGC results test, the 2024 High Court decisions, and what happens when super isn't paid. What Melbourne service businesses need to know about supe…

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17 Jul 2026 · BAS, Tax & ATO

Director Responsibilities in Australia: What You're Liable For | Melbourne

An educational guide to director duties under the Corporations Act for Melbourne business owners, what you're responsible for, and what can happen if …

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17 Jul 2026 · Cash Flow & Margins

Quoting, Invoicing & Cash Flow for Melbourne Plumbers

Progress payments, Security of Payment Act rights, debtor days and quote accuracy, how Melbourne plumbing businesses fix cash flow gaps at the source.

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeping for Agribusiness and Farming Operations | Melbourne

Seasonal income, livestock trading accounts and primary production concessions make agribusiness bookkeeping different from standard small business bo…

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17 Jul 2026 · Cash Flow & Margins

Law Firm KPIs: Revenue Per Partner Melbourne

Revenue per partner, realisation rate, utilisation and lockup days, the KPIs that tell a Melbourne law firm whether it's actually profitable, not just…

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17 Jul 2026 · Trades

Bookkeeper for Electricians in Melbourne

Specialist bookkeeping for Melbourne electricians. BAS lodgement, TPAR, subcontractor payments, job costing in Xero, handled by a Registered BAS Agent…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Pay.com.au for Melbourne Small Business | Get Paid Faster

Pay.com.au lets Melbourne small businesses accept payments instantly without merchant accounts or lock-in contracts. Here's how it works and why your …

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17 Jul 2026 · Local & Choosing a Bookkeeper

Scaling From $400k to $800k: What Actually Has to Change

Doubling revenue rarely doubles profit automatically. What Melbourne service businesses need to change financially to scale from $400k to $800k sustai…

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17 Jul 2026 · Xero & Systems

Bookkeeper for Yarraville Small Business | Xero Certified Bookkeeping

Xero Certified bookkeeping for Yarraville small businesses, BAS lodgement, payroll and fixed monthly plans for the cafes, boutiques and trades around …

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeper for Footscray Small Business | Local Fixed Monthly Plans

Local bookkeeping for Footscray small businesses, BAS lodgement, Xero setup, payroll and fixed monthly plans. From a registered BAS agent who knows th…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Law Firm Growth: From Solo Practitioner to Multi-Partner

The financial and structural changes a Melbourne law firm needs as it grows from a solo practice to a multi-partner firm, profit sharing, trust accoun…

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17 Jul 2026 · BAS, Tax & ATO

Plumber Vehicle Log Book & ATO Deductions Melbourne

Logbook vs cents-per-kilometre, GST credits on your ute, and what the ATO actually accepts as substantiation, vehicle deductions for Melbourne plumber…

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17 Jul 2026 · BAS, Tax & ATO

Behind on ATO Debt in Melbourne? Here's What to Do

Melbourne small business behind on BAS or tax payments? Here's exactly what to do first, lodgements, ATO payment options, and when to get professional…

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17 Jul 2026 · Trades

Outgrowing Sole Trader: When to Incorporate

Staying a sole trader too long can cost more in tax and risk than incorporating. The financial signals Melbourne business owners should watch for.

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17 Jul 2026 · BAS, Tax & ATO

Bookkeeper for Werribee Small Business | BAS, Payroll and Xero

Bookkeeping for Werribee's fast-growing trades and small business scene, BAS lodgement, Xero setup and payroll from a registered BAS agent serving Mel…

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17 Jul 2026 · Payroll & Super

Xero Payroll vs Deputy vs Employment Hero: When to Switch | Melbourne

Xero's built-in payroll works well until it doesn't. Here's what it covers, where it starts to strain for Melbourne businesses, and how Deputy and Emp…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Law Firm Partnership vs Company Structure Melbourne

How bookkeeping differs between a partnership and an incorporated legal practice in Victoria, drawings, payroll, Division 7A and trust obligations eit…

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17 Jul 2026 · BAS, Tax & ATO

Tutoring Centre Bookkeeping and GST in Melbourne

Why most tutoring and coaching college fees attract GST unlike school tuition, plus tutor payroll, contractor risk and cash flow for Melbourne tutorin…

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17 Jul 2026 · BAS, Tax & ATO

Home Studio Tax Deductions for Melbourne Content Creators

Cameras, lighting, a dedicated studio space and wardrobe don't all get the same tax treatment. What Melbourne content creators can and can't claim.

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17 Jul 2026 · Trades

Defence Contractors vs Law Firms: Bookkeeping Compared | Melbourne

Cost recovery vs trust accounting, milestone billing vs WIP, how bookkeeping for Melbourne defence subcontractors and law firms differs, and where it …

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17 Jul 2026 · Trades

Bookkeeper for Newport Victoria | Small Business and Trades

Local bookkeeping for Newport small businesses and trades, BAS lodgement, Xero setup and payroll from a registered BAS agent serving Melbourne's inner…

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17 Jul 2026 · Trades

Bookkeeper for Laverton Victoria | Trades and Small Business Bookkeeping

Bookkeeping for Laverton trades and small businesses, BAS lodgement, Xero setup and payroll from a registered BAS agent serving Melbourne's logistics …

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17 Jul 2026 · Health & NDIS

HICAPS Reconciliation for Allied Health Practices Melbourne

Why HICAPS batch settlements never match your bank deposits, and how Melbourne allied health practices reconcile them correctly without phantom income…

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17 Jul 2026 · Health & NDIS

Bookkeeping for Dental Practices Melbourne | HICAPS, Associates & Lab Fees

Specialist bookkeeping for Melbourne dental practices. HICAPS reconciliation, associate dentist treatment, lab fee tracking, equipment depreciation an…

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17 Jul 2026 · Payroll & Super

Conveyancer Payroll for Casual Settlement Staff Melbourne

Award classification, casual loading, superannuation and overtime for casual settlement support staff at Melbourne conveyancing practices tied to PEXA…

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17 Jul 2026 · Health & NDIS

Xero Setup for Dental Practices: Chart of Accounts That Works | Melbourne

How to set up Xero correctly for a Melbourne dental practice, chart of accounts, HICAPS, associate tracking and equipment depreciation.

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeping Setup for a Growing Melbourne Service Business

The basic Xero setup that works at $200k revenue starts breaking down around $400k-$500k. What to change before it costs you visibility.

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17 Jul 2026 · Trades

Bookkeeper for Sole Traders in West Melbourne | Affordable Monthly Plans

Affordable bookkeeping plans for sole traders in West Melbourne. BAS lodgement, Xero setup & monthly reporting. Registered BAS Agent. From $99/month.

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17 Jul 2026 · Cash Flow & Margins

How to Set Your Prices as a Melbourne Service Business

Cost-plus, value-based, competitive, here are the three pricing models for Melbourne service businesses, which one suits yours, and how to calculate a…

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17 Jul 2026 · Health & NDIS

Bookkeeping for Speech Pathologists Melbourne

NDIS plan-managed vs self-managed billing, Medicare CDM rebates and private health fund claims each need different bookkeeping treatment for speech pa…

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17 Jul 2026 · Cash Flow & Margins

Cash Flow Controls Every Scaling Melbourne Service Business Needs

Growth is the most common cause of a cash flow crisis, not a downturn. The controls that keep a scaling Melbourne service business solvent.

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17 Jul 2026 · Local & Choosing a Bookkeeper

Company vs Trust: Which Structure Actually Protects You From Liability | Melbourne

An educational comparison of company and trust structures for Melbourne small business owners, what each actually protects against, and what it doesn'…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Understanding Your Numbers: A Financial Guide for Law Firms | Melbourne

The specific numbers a Melbourne law firm needs to track beyond trust accounting, realisation rate, matter profitability and overhead per partner.

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17 Jul 2026 · Health & NDIS

Bookkeeper for Physiotherapy Clinics in West Melbourne

Specialist bookkeeping for physio clinics in West Melbourne. BAS lodgement, payroll, Xero setup & NDIS compliance, tailored for allied health practice…

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17 Jul 2026 · Cash Flow & Margins

Annual Business Goal Setting for Melbourne Small Businesses

Most small business owners skip proper goal setting. Here's a structured approach, revenue targets, profit goals, team milestones, and the quarterly r…

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17 Jul 2026 · Trades

Bookkeeping for Tilers in Melbourne

Expert bookkeeping for Melbourne tilers. Track job costs, manage GST on materials, and keep your tiling business profitable with specialist support.

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17 Jul 2026 · Payroll & Super

Bookkeeper vs Fractional CFO: What Each Actually Does

A bookkeeper and a fractional CFO solve different problems. How Melbourne growing businesses should think about which one they need, and when.

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17 Jul 2026 · BAS, Tax & ATO

Electrician Licensing Costs: What's Tax Deductible Melbourne

ESV licence renewals, REC registration, insurance and CPD, which electrical licensing costs are tax deductible for Melbourne electricians, and how to …

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17 Jul 2026 · Cash Flow & Margins

Marketing Agency KPIs: Why Utilisation Rate Beats Revenue

Revenue tells a Melbourne marketing agency owner what came in. Utilisation rate tells them why. The KPIs that actually predict agency profit.

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17 Jul 2026 · Cash Flow & Margins

How to Plan for Profit as a Melbourne Small Business Owner

Revenue growing but profit isn't following? Here's how Melbourne small business owners set profit targets, calculate break-even, and actually keep mon…

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17 Jul 2026 · Trades

Materials, Stock & Inventory Bookkeeping for Plumbers Melbourne

Van stock, trade account purchases and job-costed materials, how Melbourne plumbing businesses should track inventory and COGS so job profitability is…

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17 Jul 2026 · Trades

Building a Recession-Proof Business Plan: What Actually Matters | Melbourne

What actually makes a Melbourne small business resilient in a downturn, diversification, margin, cash buffers, and the planning that matters more than…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeping for Aged Care Providers Melbourne

Support at Home budgets, CHSP block funding and Aged Care Award payroll each need different bookkeeping treatment for Melbourne home care providers.

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17 Jul 2026 · Payroll & Super

Electrician Apprentice vs Employee vs Contractor Melbourne

Award rates, training contracts, super obligations and STP reporting: how Melbourne electrical businesses should classify and pay apprentices correctl…

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17 Jul 2026 · Health & NDIS

Associate Pay Splits for Dental Practices: A Bookkeeping Guide | Melbourne

How to set up Xero to handle associate dentist pay splits correctly, GST, super, and the difference between contractor and employee arrangements.

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17 Jul 2026 · Trades

Why Defence Industry Bookkeeping Is Different | Melbourne

Cost recovery, milestone billing and security-cleared payroll make bookkeeping for Melbourne defence contractors fundamentally different from standard…

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17 Jul 2026 · Local & Choosing a Bookkeeper

10 Signs You Need a Fractional CFO, Not Just a Bookkeeper

Ten signs your Melbourne business has outgrown compliance bookkeeping and needs forecasting, scenario modelling, and strategic finance support.

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17 Jul 2026 · BAS, Tax & ATO

How to Audit Your Software Stack and Cut Costs | Melbourne Small Business Guide

Stop paying for software you don't use. Our Melbourne small business guide shows you how to audit your tech stack and cut costs fast, practical, ATO-s…

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17 Jul 2026 · Trades

How to Talk to Your Bank and Suppliers When Trade Slows | Melbourne

How Melbourne small business owners can have an honest, productive conversation with their bank and suppliers when trade slows down.

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17 Jul 2026 · Health & NDIS

Frame Inventory and Bookkeeping for Optometry Practices | Melbourne

How Melbourne optometry practices should track frame and lens inventory in Xero, and why retail stock and clinical services need separate treatment.

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17 Jul 2026 · Local & Choosing a Bookkeeper

PEXA Settlement Reconciliation for Conveyancing Practices | Melbourne

How to reconcile PEXA electronic settlements against trust ledgers accurately, and the common errors that catch Melbourne conveyancing practices out.

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17 Jul 2026 · BAS, Tax & ATO

WIP Tracking and Time-Based Billing for Law Firms | Melbourne

Why work-in-progress visibility matters for a Melbourne law firm's cash flow, and how to set up accurate time-based billing.

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17 Jul 2026 · Local & Choosing a Bookkeeper

Understanding Your Numbers: A Financial Guide for IT Agencies | Melbourne

The specific numbers a Melbourne IT agency or software consultancy needs to understand to actually know if the business is healthy, beyond just revenu…

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17 Jul 2026 · Health & NDIS

Bookkeeping for Occupational Therapists Melbourne | NDIS, Medicare & Mixed Billing

Specialist bookkeeping for occupational therapists in Melbourne. NDIS funding streams, Medicare reconciliation, mixed GST billing and contractor vs em…

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17 Jul 2026 · Health & NDIS

HICAPS Reconciliation for Dental Practices: Getting It Right | Melbourne

Why HICAPS reconciliation trips up so many Melbourne dental practices, and how to set Xero up so health fund payments actually match patient invoices.

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17 Jul 2026 · Trades

How a Bookkeeper Helps Recession-Proof Your Business

A checklist won't recession-proof a business on its own. Here's the ongoing role a bookkeeper plays in spotting trouble early and keeping a Melbourne …

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17 Jul 2026 · Cash Flow & Margins

KPIs & Revenue Per Job for Melbourne Electricians

Revenue per job, materials %, callback rate and debtor days, the KPIs Melbourne electrical businesses should track monthly to know if they're actually…

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17 Jul 2026 · BAS, Tax & ATO

ATO Garnishee Notices: What They Mean and How to Respond | Melbourne

A garnishee notice lets the ATO collect a tax debt directly from your bank account or debtors. Here's how it works and what Melbourne businesses shoul…

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17 Jul 2026 · Xero & Systems

Dext for Melbourne Small Business | Stop Losing Receipts

Dext captures receipts and invoices the moment you get them and pushes them straight into Xero. Why Melbourne small businesses are switching to it, an…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeper for Coburg Small Business | Local Fixed Monthly Plans

Coburg small businesses get fixed-fee bookkeeping, BAS lodgement & Xero from a Melbourne-based registered BAS Agent. No surprises. Book a free call to…

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17 Jul 2026 · Cash Flow & Margins

Cash Flow Management for Optometry Practices | Melbourne

Why stock purchases, equipment finance and Medicare lag affect optometry practice cash flow, and how to plan around them.

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17 Jul 2026 · BAS, Tax & ATO

Bookkeeper for Brunswick Small Business | Xero & BAS Specialists

Brunswick small business bookkeeping, Xero certified, registered BAS agent. We handle BAS lodgement, payroll & Xero setup. Call True Tally today.

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeper for Hoppers Crossing | Fixed Monthly Small Business Plans

Fixed monthly bookkeeping for Hoppers Crossing small businesses and trades, BAS lodgement, Xero setup and payroll from a registered BAS agent serving …

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17 Jul 2026 · Local & Choosing a Bookkeeper

Trust Accounting for Law Firms: What Solicitors Get Wrong | Melbourne

The most common trust accounting mistakes Melbourne law firms make, and how to keep trust records compliant and audit-ready.

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17 Jul 2026 · BAS, Tax & ATO

Division 7A Loans Explained: How Director Drawings Become a Tax Problem | Melbourne

How taking money out of a company without proper documentation can turn into an unfranked deemed dividend under Division 7A, and how Melbourne busines…

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17 Jul 2026 · Payroll & Super

Payroll for Casual Teachers & Trainers Melbourne

Award classification, casual loading, superannuation and STP reporting for casual and sessional teachers, trainers and tutors at Melbourne education p…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Understanding Your Numbers: A Financial Guide for Marketing Agencies | Melbourne

The specific numbers a Melbourne marketing agency needs to track to know which clients and services are actually profitable.

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeper for Altona Victoria | Small Business Bookkeeping Specialists

Fixed monthly bookkeeping for Altona small businesses, BAS lodgement, Xero setup and payroll for trades, retail and family-run businesses from a regis…

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17 Jul 2026 · Trades

Bookkeeper for Williamstown | Trades, Health and Professional Services

Local bookkeeping for Williamstown trades, allied health and professional services, BAS lodgement, Xero setup and payroll from a registered BAS agent …

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeping for Registered Training Organisations (RTOs) Melbourne

How Melbourne RTOs should structure bookkeeping around ASQA financial viability requirements, VET Student Loans, and mixed government/fee-for-service …

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17 Jul 2026 · Local & Choosing a Bookkeeper

Farm Succession Planning: What the Books Need to Show | Melbourne

Why farm succession planning depends on accurate, well-organised books, and what records need to be in order before the conversation even starts.

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17 Jul 2026 · BAS, Tax & ATO

Bookkeeping and Tax for Influencers and Content Creators Melbourne

Brand deals, overseas platform income, gifted products, ABN obligations and GST registration, what Melbourne influencers and content creators need to …

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17 Jul 2026 · BAS, Tax & ATO

Tax Deductions Consultants Often Miss | Melbourne

The deductions Melbourne consultants commonly overlook, home office, professional development, travel and equipment, and how to claim them correctly.

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17 Jul 2026 · Trades

Bookkeeping for Carpenters in Melbourne

Expert bookkeeping for Melbourne carpenters. Track job costs, claim tool deductions, manage subcontractors and stay ATO compliant across Victoria.

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17 Jul 2026 · BAS, Tax & ATO

GP Contractor vs Employee: Payroll and Tax Implications | Melbourne

How GP clinics in Melbourne should classify doctors correctly, contractor vs employee, payroll tax exposure, and what the ATO actually looks at.

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeping for Independent Schools in Victoria | Melbourne

How independent and private schools in Victoria should handle GST-free tuition, building fund donations, VRQA compliance and fee-in-advance accounting…

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17 Jul 2026 · Trades

Home Office Deductions for Melbourne Tradespeople

Fixed rate vs actual cost method, record-keeping under PCG 2023/1, and what tradies doing quoting and admin from home can actually claim.

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17 Jul 2026 · Trades

Plumber Subcontractor TPAR Compliance Melbourne

TPAR is due 28 August every year. Here's how Melbourne plumbing businesses using subcontractors get taxable payments reporting right, and avoid ATO pe…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeper for Point Cook Small Business | Local Fixed Monthly Plans

Local bookkeeping for Point Cook small businesses, trades and allied health, BAS lodgement, Xero setup and payroll from a registered BAS agent serving…

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17 Jul 2026 · Xero & Systems

GoHighLevel for Melbourne Service Businesses | Business Automation That Actually Works

Why True Tally recommends GoHighLevel to Melbourne service businesses, client onboarding automation, social posting calendars, pipeline management, an…

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17 Jul 2026 · BAS, Tax & ATO

Bookkeeping for Painters in Melbourne | Expert Tips & Tax Deductions

Essential bookkeeping guide for Melbourne painters. Track job costs, claim legitimate deductions, and manage cash flow across residential and commerci…

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17 Jul 2026 · Trades

Bookkeeping for Fencing Contractors in Melbourne

Expert bookkeeping advice for Melbourne fencing contractors. Job costing, materials tracking, BAS compliance and cash flow tips for fence builders.

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17 Jul 2026 · Xero & Systems

GoCardless for Subscription Businesses: A Cheaper Way to Collect Recurring Revenue

If you're chasing the same clients for payment every single month, this one's for you. Here's how GoCardless direct debit compares to card payments on…

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17 Jul 2026 · Xero & Systems

Xero Setup for Melbourne Small Businesses

Getting Xero set up correctly from the start, chart of accounts, bank feeds, GST coding, and payroll. A practical guide for Melbourne small business o…

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17 Jul 2026 · Local & Choosing a Bookkeeper

End of Financial Year Planning for Melbourne Small Businesses

EOFY isn't just about tax. Here's how Melbourne business owners can use June 30 as a planning milestone, prepay deductible expenses, review your struc…

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17 Jul 2026 · Health & NDIS

Medicare and HICAPS Reconciliation for Optometry Practices | Melbourne

How Melbourne optometry practices should reconcile Medicare and private health fund payments correctly in Xero.

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17 Jul 2026 · Local & Choosing a Bookkeeper

Running a Quarterly Business Review | A Guide for Melbourne Business Owners

A quarterly business review doesn't need to take a full day. Here's a 90-minute format that reviews your financial performance, updates your plan, and…

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17 Jul 2026 · BAS, Tax & ATO

GST Treatment of Tuition and Course Fees in Australia

Which education fees are GST-free under section 38-85, which aren't, and where Melbourne training providers and schools get the split wrong.

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeping for Law Firms Melbourne | Trust Accounts, WIP & Disbursements

Specialist bookkeeping for Melbourne law firms. Trust account compliance, WIP tracking, disbursements, partner drawings and Legal Services Board oblig…

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17 Jul 2026 · Xero & Systems

Xero Bank Rules That Save Melbourne Business Owners Hours Every Month

Learn how Xero bank rules automate transaction coding for Melbourne businesses. Save hours monthly, reduce errors and keep your BAS clean. Practical g…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Law Firm Compliance Calendar Melbourne

The annual compliance dates a Victorian law firm's bookkeeping needs to hit, trust account examination, practising certificates, BAS and PI insurance …

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17 Jul 2026 · Local & Choosing a Bookkeeper

Trust Account Compliance for Melbourne Law Firms | Legal Services Board Obligations

Victoria's statutory trust account requirements for law firms, monthly three-way reconciliation, Legal Services Board reporting, external examination …

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17 Jul 2026 · Local & Choosing a Bookkeeper

What Reports Should You Expect From Your Bookkeeper Each Month?

Profit and loss, balance sheet, aged receivables and more, a plain-English guide to the reports a Melbourne small business should be getting monthly, …

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17 Jul 2026 · Cash Flow & Margins

5 KPIs Every Melbourne Service Business Should Track Monthly

Revenue tells you what came in. These five KPIs tell a Melbourne service business owner whether the business is actually getting healthier.

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17 Jul 2026 · Health & NDIS

Bookkeeper for NDIS Registered Providers in West Melbourne

NDIS registered providers in West Melbourne need specialist bookkeeping. True Tally handles NDIS claims, payroll, BAS and Xero, so you stay compliant.

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17 Jul 2026 · Trades

Recession-Proof Checklist: 10 Things Melbourne Business Owners Should Review Now

A practical 10-point checklist for Melbourne small business owners worried about a downturn, cash flow, pricing, debtors, costs and what to fix first.

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17 Jul 2026 · Cash Flow & Margins

Price Check for Melbourne Service Businesses | Are You Leaving Money Behind?

Most service businesses undercharge. Here's how to calculate your minimum viable rate, check it against market rates, and raise prices without losing …

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17 Jul 2026 · Xero & Systems

Automating Invoicing for Melbourne Small Business | Set It Up Once

Automate your invoicing in Melbourne once and get paid faster. Xero tips, ATO-compliant setup, and practical steps for Melbourne small businesses.

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17 Jul 2026 · BAS, Tax & ATO

GST on Overseas Brand Deals: What Melbourne Influencers Get Wrong

Overseas brand deals, gifted product and platform payments each have different GST treatment. A Melbourne content creator's guide to getting it right.

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17 Jul 2026 · Payroll & Super

Associate Dentist: Contractor or Employee? The Melbourne Dental Practice Risk

Most Melbourne dental practices classify associate dentists as contractors. After 2024 High Court decisions, many of those arrangements are now employ…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Scaling From $800k to $1.5m: What Breaks Next

The systems that got you to $800k won't get you to $1.5m. What Melbourne service businesses need to change financially at this next growth stage.

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17 Jul 2026 · BAS, Tax & ATO

GST on Optical Dispensing: What Melbourne Optometrists Get Wrong on Their BAS

Spectacle frames, lenses and contact lenses attract GST. Eye examinations don't. Melbourne optometrists who apply the wrong treatment across their who…

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16 Jul 2026 · BAS, Tax & ATO

Signs a Business Is Ready to Consider Liquidation | Melbourne

How to tell when a Melbourne business has crossed from cash flow difficulty into legal insolvency, and what the Director Penalty Notice, insolvent trading rules, and your options mean in practice.

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16 Jul 2026 · BAS, Tax & ATO

When a Small Business Restructure May Suit You | Melbourne

Small Business Restructuring vs Voluntary Administration vs liquidation for Melbourne businesses. Eligibility, the $1M debt cap, and what your books must show before an SBRP can be appointed.

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16 Jul 2026 · Cash Flow & Margins

Asset Finance Options That Suit Your Business Cash Flow | Melbourne

Chattel mortgage vs finance lease vs hire purchase: how each type affects your monthly cash flow, GST position, balance sheet, and depreciation for Melbourne small businesses.

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17 Jul 2026 · Local & Choosing a Bookkeeper

Bookkeeping for Bakeries & Food Producers in Regional Victoria

Bakeries, food producers and agricultural businesses in regional Victoria face bookkeeping challenges that generic small business advice misses. Colac…

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17 Jul 2026 · Cash Flow & Margins

How to Build an Annual Budget for Your Melbourne Small Business

A business budget isn't a spreadsheet you ignore, it's a monthly roadmap for revenue, costs, and profit. Here's how to build one that's actually usefu…

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17 Jul 2026 · Trades

Bookkeeping for Plumbers in Melbourne

Expert bookkeeping for Melbourne plumbers. BAS lodgement, job costing, tax deductions & Xero setup. Registered BAS Agent helping tradies across Victor…

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17 Jul 2026 · Cash Flow & Margins

Working Back From Your Profit Target | For Melbourne Business Owners

Start with the profit you want, not the revenue you hope for. Here's how to reverse-engineer your pricing, capacity, and costs from a target net profi…

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17 Jul 2026 · Xero & Systems

Hostinger for Melbourne Small Business | Fast, Affordable Website Hosting

Hostinger offers Melbourne small businesses fast, reliable website hosting at a fraction of the cost of traditional providers. Here's why it's become …

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17 Jul 2026 · Trades

Bookkeeping for Concreters in Melbourne

Expert bookkeeping for Melbourne concreters. Track job costs, manage GST on progress claims, and stay ATO-compliant. Local support for concrete contra…

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17 Jul 2026 · Payroll & Super

Hiring Your Second Employee: The Numbers That Actually Matter

Your second hire is riskier than your first. What Melbourne service business owners need to check financially before adding employee number two.

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17 Jul 2026 · Payroll & Super

When to Hire Your First Employee | Melbourne Service Business Guide

The $600k-$800k revenue signal, the true on-cost breakdown, payroll tax thresholds and the Xero payroll setup checklist. A practical guide for Melbour…

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17 Jul 2026 · Local & Choosing a Bookkeeper

The Accountability a Good Bookkeeper Actually Provides

Running a business alone means no one checks your numbers unless you ask. What a good bookkeeper adds isn't just data entry, it's a regular check-in t…

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17 Jul 2026 · BAS, Tax & ATO

How the ATO Actually Selects Businesses for Audit | Melbourne

The ATO doesn't pick audit targets at random. Here's how data matching and risk indicators actually work, and what increases a Melbourne business's au…

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17 Jul 2026 · Local & Choosing a Bookkeeper

Why Law Firm Bookkeeping Is Different | Melbourne

Trust accounting, WIP and time-based billing make law firm bookkeeping fundamentally different from standard small business bookkeeping in Melbourne.

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17 Jul 2026 · Payroll & Super

Payroll Bookkeeper West Melbourne | STP, Super & Award Wages

West Melbourne payroll bookkeeper handling STP Phase 2, super guarantee, and award wages in Xero. Registered BAS Agent. Call 0468 159 950.

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17 Jul 2026 · Local & Choosing a Bookkeeper

Retainer vs Project Income: Bookkeeping for Consultants | Melbourne

How Melbourne consultants should track retainer and project income separately in Xero to actually understand which clients are profitable.

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17 Jul 2026 · Payroll & Super

Single Touch Payroll: A Checklist for New Employers

Hiring your first employee in Melbourne? Here's the Single Touch Payroll setup checklist to get right before your first pay run.

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📞 Call True Tally on 0468 159 950
True Tally Bookkeeping provides bookkeeping, BAS & IAS lodgement, payroll, STP and cash-flow reporting for small businesses across Melbourne and Victoria. A registered BAS Agent (26360186) and Xero Certified Advisor, we support trades, allied health, dental, professional services and ecommerce businesses year-round with fixed-fee, no-lock-in service — plus optional fractional CFO, Google Ads and AI-search (AEO) support. Contact 0468 159 950 or info@truetally.com.au. Led by principal bookkeeper . Geelong Chamber of Commerce Member 2025
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