Tabla de contenidos para August 2025 en WFO

When it comes to your money, scammers are relentless. They prey on everyday Australians during moments of financial activity—whether you’re paying bills, handling emails at work, or planning for retirement. These scams don’t just target businesses; they increasingly catch individuals in their net. Here’s what you need to know to stay safe—and what to do if you think you’ve been caught out. 1. Supplier & Invoice Fraud Once limited to businesses, invoice scams now target individuals paying trades, suppliers, or contractors. Scammers intercept invoices—often by hacking email accounts—and change the payment details. You think you’re paying a genuine bill, but the money goes straight to the fraudster. Warning Signs: An invoice you weren’t expecting or that looks slightly different to past ones. Changed bank account details with no prior notice.…

Are you are thinking of starting, buying or maybe you are already running a small to medium business. If so, you are in good company, in Queensland alone there are 510,444 small businesses, 97.1% of which classify themselves as small business turning over less the $2 million annually. One third of all businesses in Queensland are run by female business owners, with national figures equating to approximately 35% of total businesses. When commencing a business, or perhaps you currently run a small business, it is important that you consider things such as: your business structure have you protected your assets is your structure tax efficient are your business loan structures and interest rates optimal have you priced your products and services for profit marketing, staffing, technology, insurance your strategy for…

From August to December, you can transform Christmas from a financial burden into a season of joy. With just a little planning, you’ll save more, stress less, and give yourself the best gift of all: peace of mind. It might feel early, but Christmas is only three months away. For many families, the festive season brings warmth, joy, and connection — but it can also bring a cold dose of reality when January credit card bills arrive. Every year, thousands of Australian households overspend at Christmas. Gifts, food, travel, and celebrations add up quickly, and without a plan, it’s easy to slide into debt. The result? Financial stress that lingers well into the new year. But Christmas doesn’t have to be this way. By starting now — in August —…

A Brave Life We had the pleasure of speaking with Melissa Redsell, Australian of the Year - Qld State Recipient Local Hero 2023 and CEO and Founder of A Brave Life. Melissa shares her purpose and passion behind A Brave Life. How did Bravery Buddies Begin? A Brave Life started out of my own journey of being a teenage mother. At the age of 16, in year 12 I fell pregnant with my daughter and gave birth to her 2 months after graduating from high school. After being told that I had ruined my life, that my life would amount to nothing and that my life was now over, I didn’t want these words to define my future and my daughter’s future. I enrolled in University as a single parent…

As I finish my 34th Tax Season I marvel at how fantastic it is now for business owners to really take control of their business with customised tax planning. Tax planning is the process of legally arranging your financial affairs to minimise tax liability and maximise after-tax income. But importantly it includes forecasting taxable income to estimate tax obligations in advance and making strategic decisions to utilise available deductions, offsets, and concessions within the limits of tax law. So, not only does it make sure you don’t find yourself with a huge surprise of an unexpectedly large tax bill you hadn’t planned for, but it also allows you to look forward and be prepared for growth and profitability. And in doing so, you can focus on these over being reactive…

For most people, the word blockchain still brings one thing to mind: cryptocurrency. Bitcoin and Ethereum may have introduced the world to this technology, but blockchain is rapidly expanding into many corners of everyday life. In Australia, it’s already being explored by banks, farmers, supply chains, and even government projects. Just as the internet reshaped communication, blockchain is now reshaping trust, ownership, and value. What Exactly Is Blockchain? Blockchain is a digital ledger—a secure, distributed record of transactions. Instead of a central authority like a bank holding the master record, copies are stored across many computers. Each entry is grouped into “blocks” linked together in a “chain,” making them transparent and very difficult to tamper with. While crypto gave blockchain its first use case, the technology is much broader. Think…

Pinchapoo (Slang for pinch-a-shampoo) are a charity determined to provide hygiene products to anyone in need of them and without access. After experiencing her own ordeal of panic, having to leave her own home instantaneously and provide for herself, Kate Austin, Founder and CEO of Pinchapoo had the epiphany that no one should have to be so desperate for basic supplies. She began helping collect donations for a local shelter which almost immediately grew to Pinchapoo, now leading the way in the fight against hygiene poverty in Australia. She calls it her “Robin Hood Movement” because people are pinching and dropping donations to the cause. “Pinchapoo are leading the charge on creating change nationally for those one in five experiencing hygiene poverty. The amazing impact of your donation is never…