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Get to Know Millie

Millie became part of the Accounted4 team in July 2025, joining David’s team as a Client Services Administrator while Alex is on parental leave.She brings a warm, approachable manner and strong organisational skills, making her a great fit for the fast-paced environment of our office.Since starting, Millie has quickly settled in with the team, and her positive attitude has been a welcome addition. She enjoys the variety of her role and takes pride in providing friendly, efficient support to ke...

Xero Plan Changes

IMPORTANT REMINDERS1. XERO PLAN AND PRICE CHANGES From 1 September 2025, the following prices (including GST) took effect for some Xero Business Plans, including the discount we pass on due to our Platinum Partner Status. Xero Ignite plan remains the same at $32.20 per month Xero Grow plan increased from $69 to $76.36 per monthXero Comprehensive increased from $91.08 to $101.20 per monthXero Ultimate increased from $103.96 to $115 per monthThere are no changes to the Xero Ledger o...

What’s News in the World of Payroll?

We know it feels way too early to be thinking about Christmas… but here we are!If you have employees, this is your friendly reminder that now’s the time to get on top of your festive season planning.Public Holidays | The BasicsYour employees are entitled to a paid day off if a public holiday falls on an otherwise working day for them.If they’re required to work on that day, you must:Pay at least time and a half for the hours worked, andProvide an alternat...

In the Community

On Wednesday, 8 October, 108 keen golfers teed off at the annual Cambridge Lifeskills Twilight Golf Tournament and what an event it was! The weather was perfect, the atmosphere buzzing, and the community spirit strong.Accounted4 was proud to sponsor a hole and have our very own Carolyn, David, Geoff and Martyn out on the course representing the A4 team, along with Larissa who also volunteers as Treasurer for Cambridge Lifeskills, who was tasked with collecting the generous donations.Together wit...

In the Office

Mialy joined the Accounted4 team in 2025. She completed her Master of Professional Accounting at the University of Waikato in 2024, and in 2005 graduated with a Master of Science in Economics and Management from HEC Lausanne.Mialy grew up in Madagascar, studied in Switzerland, and first moved to New Zealand in 2006 to work at Fonterra. She is a qualified Pilates instructor and before returning to study Mialy ran her own Pilates studio and business for around 10 years.Outside of work, Mialy loves...

Featured Partner - Roar Coaching

Just a crew of down to earth, keep it real, no BS humans on a mission to connect people to the skills, resources, and relationships they need to ‘smash-it’ in the areas that really matter to them.Whether you're a business owner, team leader, or emerging talent, Roar Coaching offers tailored coaching experiences that empower individuals and teams to thrive.Services include:Leadership Development: Equip your leaders to embrace curiosity, lead wholeheartedly, and build trust.High-Performance Te...

Featured Client - Nooan

The Nooan Christmas Gift Pack is proudly made in New Zealand from possum down and superfine merino wool, a rare natural blend that keeps feet warm when it’s cold, cool when it’s hot, and always fresh and breathable. It’s not just a beautiful gift, it’s functional, sustainable, and makes people genuinely happy every time they wear it.Explore the full Nooan range including the gift pack collection here...

Could your business survive without you?

Would your business still thrive, or would it suffer a catastrophic failure if you suddenly stepped away?It’s tough to remove yourself from the day-to-day operations when you’re passionate and busy. However sudden accidents, illnesses, or family emergencies can – and will – happen and you need to be able to step back knowing your systems are robust enough to cope.Build in resilienceFor your business to work for you, you need to make yourself replaceable. Large corporations have plans in ...

Measuring the health of your business with ratio measures

When you’re running a business, it’s easy to get caught up in the day-to-day activity and lose sight of the big picture. Taking stock of the health of your business is important. Knowing where you are allows for more effective planning, early warning about any issues, and the chance to better chart a course for success.There are some quick ratios that will help you to gauge the health of your business. We can help you to assess your business health and show you how to calculate these vital c...

Why cashflow forecasting is essential

Overall business confidence in New Zealand has shown some tentative signs of improvement in 2025. But the economic reality for many small businesses remains challenging. Managing your financial health with cashflow forecastingCoping with weakened sales revenue and rising costs is a recipe for cashflow issues. With less income flowing into the business and higher expenses flowing out, the likelihood is that many Kiwi small businesses are facing a potential cashflow crisis.The key to avoiding thes...

Five steps to better cash flow

Need a hand managing cash flow? You’re not alone. The key is getting your invoicing right, by invoicing customers as soon as possible and using tools like Xero’s invoice reminders to move payments along.That said, there are a few other simple rules you can apply to manage your cash flow and get your invoices paid even faster:Keep your books accurate and up to date - so you can see your financial state at a glance.Don’t be too lenient with your customers - you can be direct and st...

Taking card payments will now be more cost effective

According to statistics from the Commerce Commission, New Zealand businesses are charged around $1 billion a year to accept Visa and Mastercard payments – a cost that’s often passed onto the end customer through surcharges and higher product costs. The Commission has determined this cost is too high and has acted to reduce this cost for businesses by around $90 million a year. The Commission has also announced an outright ban on surcharges for customers making in-person card purcha...

Payroll Update

Updated Vehicle Kilometre Rates for 2025...

Xero Workshop - Starting Smart with Xero: The Essentials

In association with the Cambridge Business Chamberwe are excited to present a workshop on Starting Smart with Xero: The EssentialsThis engaging session is designed for everyone from entrepreneurs, sole traders to business owners of any size who want to maximise Xero.  You will learn how to:* Navigate the Xero Platform* Maintain Accurate Records* Reconcile your Bank Accounts * Streamline your Cash Flow and InvoicingAccounted4 Presenters: Beth, Renee, Samara and SaraWhen:&...

Get to know Tracey

Tracey recently joined the Accounted4 team in May 2025 and works in the accounting team preparing and reviewing financial accounts and taxation.  Since starting, she has slotted into the team well and its like she has been a part of the crew forever. She is driven by helping others and has a keen eye for detail, with over 20 years of accounting experience to draw on when tackling complicated numbers.Tracey grew up on a dairy farm in Northland and started her accounting career there with a l...

Featured Partner - Cloudland

Cloudland – Great tech with a people-first approachAt Cloudland, we believe technology should make life easier, not more complicated. We help small businesses, community organisations, and health providers get the most out of their tech, so they can focus on the work they love.From keeping your systems running smoothly to helping you embrace new tools, we’re here to take the stress out of IT. Our team works alongside you, learning how your business runs and tailoring solutions that fit ...

Featured Client - Greenroofs

Founded in 2005 by Will and Clare Thorne, Greenroofs Ltd is all about bringing nature back into our built environments. We design and install living roofs—green spaces planted over waterproofed roof structures—that not only look great but also help with insulation, biodiversity, stormwater management, and overall building performance.Being located just outside Cambridge has turned out to be the perfect spot to grow our nursery and base our operations. Alongside green roofs, we also provide s...

In the Community

In association with the Cambridge Business Chamberwe are excited to present a workshop on Starting Smart with Xero: The EssentialsThis engaging session is designed for everyone from entrepreneurs, sole traders to business owners of any size who want to maximise Xero.  You will learn how to:* Navigate the Xero Platform* Maintain Accurate Records* Reconcile your Bank Accounts * Streamline your Cash Flow and InvoicingAccounted4 Presenters: Beth, Renee, Samara and SaraWhen:&...

In the Office

Welcome to the World, Bobbi-Brown!Our Client Services Manager, Alex, is currently on maternity leave, and we’re excited to share some wonderful news, she and Jamie have welcomed their third daughter, Bobbi-Brown Davey Lamont.Bobbi-Brown joins big sisters Ziggi and Marnie, making this a busy, love-filled household. We’re sending huge congratulations to Alex, Jamie, and the girls on the newest member of their family.Enjoy every precious moment together, Alex, we can’t wait to meet little Bob...

How claiming expenses can lower your tax bill

At a time where cashflow is tight and the economic outlook is less than rosy, it’s important to look for any possible way of saving money and reducing your tax bill.Claiming your business expenses is one way to put money back in the kittyWhy claim against your small business expenses?It doesn’t matter if you're a limited company or sole trader, you have the option to claim your business expenses back annually in your tax return to the Inland Revenue.Viable operational expenses are deducted f...

Changes to KiwiSaver: how to get your business ready

Major changes to KiwiSaver were announced in Budget 2025. The KiwiSaver voluntary savings scheme is aimed at helping New Zealand workers save for retirement, or buy a first house. But with the rising cost of living, action was needed to make KiwiSaver fit for purpose and more fiscally sustainable as a savings scheme.How will these changes affect your employees and your small business?Let’s take a look at the details of these KiwiSaver changes. Changes affecting your employeesFirst of...

Livestock special alert 2025 | Herd values

Inland Revenue have recently announced this year’s livestock Herd Scheme Values and we think this is a great opportunity to update you on the latest movements. The Herd Scheme Values are the National Average Market Values as determined by a process involving a review of the livestock market as at 30 April....

Budget 2025: The impact for your small business

On Thursday 22 May, the Minister of Finance, The Honourable Nicola Willis, delivered Budget 2025 Opening her speech, the Minister said: “This is a responsible budget to secure New Zealand's future. It supports the economic recovery now underway. It also takes a longer-term view with initiatives to boost future investment savings and growth.”Growing GDP and a brighter outlook for the economy.The Economic Outlook from the Budget was cautious but optimistic, with the Government keen ...

Investment Boost: How to maximise the benefits of this new scheme

As part of Budget 2025, the Minister for Finance, Nicola Willis, introduced Investment Boost a new way for Kiwi businesses to reduce the cost of investing in new assets and equipment.Investment Boost is expected to lift NZ GDP by 1% and wages by 1.5% over the next twenty years, with half these gains in the next five years.Let’s look at the benefits of the scheme and how it could help your small business.What does Investment Boost offer?Investment Boost is a new tax deduction that’s available...

Keeping your business cash liquid – the difference between cashflow and profit

The foundational goal of any business is to make a profit. As a business owner, that’s one of your key financial aims – to make enough sales, at a big enough margin, to generate profit from your enterprise. But how does profit differ from cashflow? And why is cash king?How do profit and cashflow differ?To really understand the difference between generating profit and managing cashflow, we need to look at what both these terms mean. You might think that delving into the accounts is a job for ...