How to Spend Less Time on Email: 12 Tips for Keeping Your Inbox Under Control

Clarke McEwan Accountants

Managing your email inbox can feel like playing a never-ending game of whack-a-mole. Just when you think you've gotten to inbox zero and start doing your little victory dance ... up pops another email. And another one.

What's worse, the sheer volume of email we get often exceeds the time we can afford to deal with it. This becomes a bigger issue when we let our guilt get the better of us -- the guilt that comes with not responding right away, responding curtly, or not responding at all.

But the fact is, there are more important things on our to-do lists than email. Want to spend less time living in your inbox, and more time doing the stuff that actually matters? Here are 12 tips to get you started.

12 Tips For Better Email Management

1) Unsubscribe. Ruthlessly.

The easiest way to maintain inbox zero? Get less email. The very first step to achieve an emptier inbox is unsubscribing from every single email list that doesn't provide you with value on a regular basis.

In fact, my recommendation is to unsubscribe from everything. Take a few days to let it sink in, and then re-subscribe only to the newsletters you really, truly miss. In this step, you might consider converting any daily digests you used to follow to weekly ones.

While unsubscribing manually from tens -- hundreds? -- of newsletters one by one sounds tedious, there are tools out there that can help you do it in just a few clicks. Unroll.me is my personal favorite: It's a free tool that lets you mass unsubscribe from all the newsletters you don't read. You can either unsubscribe from everything at once (my recommendation), or you can pick and choose. Read this blog post to learn more about how it works.

2) Remove yourself from any internal company and business threads you don't need to be on.

Once you've unsubscribed from external newsletters, it's time to evaluate the internal emails you receive on a regular basis. Do you really need to get email notifications every time the sales team closes or deal, or every time someone on the marketing team reports a bug?

If the answer isn't a definitive "yes," do yourself a favor and remove yourself from whatever alias or list you're on. If that makes you wildly uncomfortable, compromise by creating a folder in your email client and send those emails to that folder automatically. (To set at up, you can create filters in Gmail or rules in Outlook.)

3) Understand -- and embrace -- that you can't respond to everything.

Part of maintaining a manageable inbox -- and your sanity -- is to change the way you think about email a little bit. Only you can decide what deserves your very limited time and attention. When it comes to email, understand that there's simply no way you'll be able to respond to every single email that arrives in your inbox, let alone read them all.

I love the way Merlin Mann puts it : "Stop thinking of emails like precious family heirlooms, and start treating 'em like pints of milk. Perishable, time-stamped milk that becomes a little less fresh every day until it smells kind of funny and just needs to be dumped. Believe me, there will always be more coming."

So if you're looking at an email and know in your heart of hearts you're never going to respond to it, archive it. Better yet, delete it. As Mann says , "Trust your instincts, listen to them, and stop trying to be perfect."

4) Keep your replies brief whenever possible.

When you do have to reply to an email, you'll find that in most cases, you don't need to craft the perfect response. Often, a few sentences will do; in some cases, a few words. If you let an email with an action item sit for a few days, a quick "Do you still need this?" email might end up saving you a lot of time.

Don't feel guilty about sending succinct emails. If you're concerned your brevity will be taken the wrong way, give a heads-up to the folks you exchange emails with the most. Tell them that, in your effort to spend less time on email and more time on your actual work, you plan to cut down word count in your emails.

The better you get at deleting emails you don't need to read or respond to, the more time you'll have to write the emails that warrant those long responses.

5) Use pre-written replies.

Which types of emails do you find yourself typing out over and over, without really needing to customize them?

I, for example, often find myself referring people to HubSpot's guest blogging guidelines page. I used to write one-off emails to folks, meaning I'd have to craft a few sentences, find and copy the link, and so on. Now, I give myself ten minutes back in my day by sending pre-written replies via Gmail's "canned responses" feature.

Gmail, Outlook, and other email clients offer canned responses. Below are instructions for setting up and using them in Gmail.

To Set Up Canned Responses in Gmail:

  1. Click the gear icon in the upper right-hand corner and choose "Settings."
  2. Click the "Labs" tab, find Canned Responses at the top, and click "Enable." Scroll down and click "Save Changes."

To create a canned response, compose a new email and click the little arrow in the bottom right-hand corner of the new email. Choose "Canned responses," and then "New canned response." From there, you can name your new canned response, write it, and save it. Anytime you want to use it, simply go back to that little arrow, choose "Canned responses," and click on the one you'd like to use. (Learn more on Google's website.)

To Set Up Canned Responses in Outlook:

In Outlook, the best option I could find was to set up your canned responses as "Signatures." That way, when you reply to an email, you can choose the appropriate "signature" and the whole canned reply will appear. Here's how to do that:

  1. On the Outlook menu, click "Preferences." Under "E-mail," click "Signatures."
  2. Click the plus icon to add a new signature.
  3. A new signature will appear under "Signature name" with the label "Untitled." Double-click "Untitled," and then type in a new name for your canned response.
  4. In the right pane, type the text that you want to include in the signature -- in other words, type in your canned response.

Once you create the canned response as a signature, you can add it to a new email by clicking in the message body, choosing the "Message" tab, clicking "Signatures," and choosing a signature from the list. (Learn more on Outlook's support page.)

6) Employ a one-click rule.

This rule might seem simplistic, but it's a huge time-saver. The "one click" refers to a single click to open an email once. Once it's open, decide exactly what you want to do with it right then and there: Reply, forward, send to a folder, archive, and/or delete.

The point here is to not open an email, read it, and then decide to deal with it later and move on. That's the bad habit that'll guarantee you a clogged inbox and more stress down the road.

7) Triage emails using "special stars" in Gmail.

If you use Gmail and your goal is to get to inbox zero and maintain it, then I'd like to direct you to the email system that's changed the way I do email. Here are the full instructions. This works great in conjunction with the one-click rule we just talked about.

The premise is this: In Gmail, you'll set up multiple inboxes and give each of them a name, like "Needs Action/Reply" and "Awaiting Response." Your general inbox will then appear on the left, and your labeled inboxes (which Gmail calls "panes") will appear on the right, like so:

You'll use what Gmail calls "special stars" -- kind of like Gmail's labels, but better -- to categorize every single email that comes into your inbox.

Every time you get a new email in your inbox, you'll want to:

  • Reply to the ones you can right away.
  • Label the emails you need to deal with later by marking them with the appropriate special star.
  • Archive or delete any emails you don't need to deal with.

In the end, you'll archive everything. Your inbox will stay at zero, and everything else will either be in its designated pane, archived, or deleted.

Use Outlook?

SimplyFile is a free organizational tool that'll help you categorize emails using folders. When an email comes in, all you have to do is drag it into the appropriate folder. You can organize both messages you're receiving in your inbox, as well as messages you're sending -- which you can file as you send them.

Image Credit: SimplyFile

8) Delegate emails to others using a collaboration tool.

Sometimes, you might find that you receive emails that are better handled by someone else. In these cases, you could either forward the email, or you can streamline the process by quickly sharing the email with someone on your team using an email collaboration tool.

There are a number of email collaboration tools out there to choose from. If you use Gmail, Hiver is a great choice: It lets you share Gmail labels (and therefore share folders) with other users, which you can use to assign tasks, delegate emails, and even track their status if you want to. If you need to add a quick note explaining what's going on in an email thread, you can do that right in the tool.

Image Credit: Hiver

9) Use the "yesterbox" approach.

"Yesterbox" is a methodology for managing your inbox created by Zappos CEO Tony Hsieh. This approach is kind of like inbox zero, except you're working off all the emails from yesterday and treating them like today's to-do list.

The basic premise is this: Every morning, you have a fixed number of emails to answer instead of an endless flood of new emails coming in. Once you finish dealing with yesterday's emails, you're done with email for the day. Here are the full instructions .

Like Klinger's methodology from #7, you'll categorize incoming emails into folders labeled "Yesterbox," "Today," "Action Required," "Awaiting Response," and so on. As new emails come in, you'll label them accordingly. But as for actually dealing with these emails -- that's left for a specific time on your calendar that you've designated for handling yesterday's emails. In the end, your Yeseterbox is a to-do list with static tasks.

It's that freeing sense of completion that makes this method so appealing -- but be wary that if your job requires you to tackle emails as they come in, this may not be the best method for you.

10) Set up filters when you go on vacation.

Vacations are awesome, but coming back to a jam-packed inbox is ... not so awesome. One way to manage your email workflow while you're gone for long periods of time is to set up filters.

This is an approach HubSpot's Director of Marketing Rebecca Corliss found worked really well for her when she went on her month-long sabbatical. Corliss was working in Gmail, but you can adapt this method for most email clients. In short, here's what she did:

  1. She created a new folder for her vacation ("Spain Sabbatical 2015").
  2. She set up a filter that recognized any emails being sent to *@hubspot.com. By putting the asterisk there instead of her actual email, she was able to capture not only emails that were sent to her work email address, but also emails sent to the company aliases she was on.
  3. She added a second filter that deleted irrelevant emails -- for example, all the daily and weekly digests she expected to receive, like metrics updates.
  4. When she returned, she strategically handled all her unread emails. For example, she searched for emails she wanted to respond to first by conducting key searches for her manager's email address.

Once these more time-sensitive messages are addressed, she blocked time to go through the remaining emails and respond only to the ones that were absolutely necessary. Here are the full instructions .

11) Block time to get back to inbox zero.

Dedicating specific chunks of time to get back to inbox zero isn't just for when you return from vacation. It should be something you tackle in short batches on a daily basis, and in larger chunks every week or so, depending how much new email you receive.

The purpose of batching email? So you aren't handling emails as they arrive. That can be a serious productivity killer, and can pull you away from projects and tasks that are more important than a perfectly clean inbox.

On a daily basis, limit yourself to dealing with new emails during fixed periods each day. For example, HubSpot Demand Generation Manager Amanda Sibley physically blocks off an hour in the morning and an hour in the evening on her calendar for getting her inbox in order. Do what works for you.

12) Use keyboard shortcuts.

To make the process of reading, replying to, archiving, and deleting emails a lot faster (and generally more enjoyable), take advantage of any keyboard shortcuts your email client offers. Here are tips for keyboard shortcuts in Gmail and Outlook. If you use a different email client, do a quick Google search for the name of your email client + "keyboard shortcuts."

Keyboard Shortcuts in Gmail:

First thing's first: You'll need to activate keyboard shortcuts. To do this:

  1. Click the gear icon in the upper right-hand corner and choose "Settings."
  2. Click the "General" tab, find "Keyboard shortcuts," and select "Keyboard shortcuts on." Scroll down and click "Save Changes."
  3. Then, go back to "Settings" via that gear icon, click on the "Labs" tab, and find "Custom keyboard shortcuts" (by Alan S). Choose "Enable." Scroll down and click "Save Changes."

Once custom keyboard shortcuts are turned on, a new tab will appear in your Settings called "Keyboard Shortcuts." Head over there to learn the default keyboard shortcuts and customize them if you'd like.

Keyboard Shortcuts in Outlook:

Outlook doesn't let you customize keyboard shortcuts, but they have a heck of a lot to choose from. Here's the full list , and below are some favorites:

  • Create a new message: ? + N (Mac); Ctrl + N (PC)
  • Send an open message: ? + Return (Mac); Ctrl + Return (PC)
  • Save an open message and store it in Drafts: ? + S (Mac); Ctrl + S (PC)
  • Forward a message: ? + J (Mac); Ctrl + J (PC)
  • Display the next message: Control + ]
  • Display the previous message: Control + [
  • Delete the selected message: Delete
  • Mark selected messages as read: ? + T (Mac); Ctrl + T (PC)

Looking for more ideas for gaining and maintaining control of your email? Here are 11 inbox organization tools to try, as well as four solutions to getting "inbox zero" based on your personality.

By Clarke McEwan February 11, 2026
Electric vehicles (EVs) are no longer a niche choice. By late 2025, they account for more than 8% of new car sales in Australia, driven in no small part by generous tax incentives. One of the most significant is the Federal Government’s Electric Car Discount, introduced in mid-2022. For many businesses and employees, it has materially reduced the cost of owning or leasing an EV. That said, the rules are now under review. While no immediate changes are proposed, this is an important moment to understand the benefits, assess whether they suit your circumstances, and consider timing. How the Electric Car Discount Works (in Plain English) The discount is not a cash rebate. Instead, it operates through tax concessions that can significantly reduce the real cost of an EV: 1. Fringe Benefits Tax (FBT) exemption Where an eligible EV is provided to an employee as a fringe benefit, private use is exempt from FBT. This is often the biggest saving. Without the exemption, FBT is effectively charged at up to 47%. For many employees, the exemption can reduce the annual after-tax cost of a vehicle by thousands of dollars. Important points: The exemption applies to battery electric vehicles and hydrogen fuel cell vehicles. Plug-in hybrid vehicles lost eligibility for new arrangements from 1 April 2025. The car must be first held and used after 1 July 2022 and be below the luxury car tax threshold at first purchase. 2. Higher luxury car tax (LCT) threshold Fuel-efficient vehicles, including EVs, benefit from a higher LCT threshold ($91,387 for 2025–26, compared to $76,950 for other cars). This can prevent the 33% luxury car tax applying to part of the purchase price. 3. Reduced import costs Certain EVs are also exempt from the 5% customs duty, reducing upfront acquisition costs. Commercially, these settings have made EVs very competitive. Lower running costs (electricity versus fuel, fewer servicing requirements) and solid resale values have strengthened the business case, particularly for salary packaging and small fleets. Why the Government Is Reviewing the Rules A statutory review of the Electric Car Discount has now commenced. The key reason is cost. Uptake has exceeded expectations, and the projected cost to the budget has increased significantly over the forward estimates. The review will examine: Whether the concession is still required to encourage EV adoption. Whether eligibility settings should be tightened (for example, limiting benefits to certain vehicle types or price points).How the discount interacts with other policies, such as the National Vehicle Emissions Standard commencing in 2025. Public consultation is underway, with a final report not due until mid-2027. Importantly, there is no suggestion of immediate changes, and any reforms are more likely to be prospective. Practical Takeaways for Business Owners and Employees While uncertainty always creates hesitation, the current rules are clear and legislated. From a practical perspective: Now is a good time to review fleet or salary packaging arrangements, particularly if you are considering replacing a vehicle in the next 12–24 months. Existing arrangements are expected to be grandfathered, reducing the risk of retrospective changes (although we can’t guarantee this). Ensure vehicles are clearly under the LCT threshold at first purchase and meet all eligibility criteria if you want to access the FBT exemption. Check the tax treatment of charging infrastructure provided in connection with an eligible EV, this won’t necessarily qualify for an FBT exemption. Final Thought The Electric Car Discount remains one of the most valuable concessions available for employee vehicles. While a review introduces longer-term uncertainty, the commercial reality today is that EVs can deliver genuine tax and cash-flow savings when structured correctly. If you are considering an EV—either personally or through your business—now is the right time to run the numbers. Please contact our team if you would like tailored advice on whether an electric vehicle strategy makes sense for you under the current rules.
By Clarke McEwan February 11, 2026
As a business owner or investor, time is always tight. So it’s no surprise many people now turn to AI tools like ChatGPT for quick answers on tax deductions, super contributions or structuring ideas. The responses sound confident, arrive instantly and cost nothing. What could go wrong? Plenty. The Australian tax and super system is complex, highly fact-specific and constantly changing. While AI can be a useful starting point, relying on it for decisions can expose you to audits, penalties and poor financial outcomes. We’re increasingly seeing the clean-up work when AI advice goes wrong. Where AI Can Help (and Where it Can’t) AI is quite good at explaining basic concepts in plain English. It can help you understand what “negative gearing” means, outline the difference between concessional and non-concessional super contributions, or prompt you to think about record-keeping. Used this way, it can save time and help you ask better questions. The problem starts when AI moves from explaining concepts to giving “advice”. Tax and super outcomes depend on your specific facts: your income levels, business structure, age, residency status, assets, timing and future plans. AI does not know these details unless you provide them—and you generally shouldn’t. Even then, it cannot exercise judgement or balance competing risks the way an experienced adviser can. The Accuracy Risk: Confident, but Wrong AI tools are known to “hallucinate” – that is, provide answers that sound authoritative but are incorrect or incomplete. In practice, this can mean: Claiming deductions that don’t apply to your circumstances Miscalculating capital gains tax or ignoring integrity rules Suggesting super strategies that breach contribution caps or eligibility rules Quoting legislation, cases and rulings or concessions that don’t exist or are out of date. These errors are rarely obvious to a non-expert, but they are normally obvious to the ATO, courts and experienced advisers. A recent decision handed down by the Administrative Review Tribunal highlights some of the key problems. In Smith and Commissioner of Taxation [2026] ARTA 25 the taxpayer appeared to rely on AI tools to identify cases which supported their argument, but this approach was shot down by the Tribunal. Some of the cases didn’t exist and others were simply not relevant to the matter being considered. If the person using the AI tool doesn’t verify the existence of the cases provided by the tool and read them to ensure their relevance then “the Tribunal’s resources are being wasted, as the Tribunal must look for cases that don’t exist and read cases that have no relevance at all”. ATO Scrutiny is Increasing, not Decreasing The ATO isn't anti-AI—they use it internally for fraud detection and analytics. But for you? The ATO’s misinformation guide makes it clear that AI tools can provide false, inaccurate, incomplete or outdated information. The ATO’s message is to verify everything, or face the music. Surveys reveal 64% of businesses seek AI accounting help first, only for pros to unscramble the mess—wasting time and money. ATO AI transparency statement | Australian Taxation Office Protect yourself from misinformation and disinformation | Australian Taxation Office When something is wrong, the ATO will generally amend the return, charge interest and may apply penalties—even if the mistake came from AI advice rather than intent. We are seeing this play out most clearly with work-from-home claims, property deductions and SMSF compliance. Superannuation: High Stakes, Little Margin for Error Super is an area where AI advice can be particularly dangerous. Self-managed super funds, in particular, operate under strict rules. AI often overlooks key issues such as eligibility, timing, purpose tests and investment restrictions. The result can be non-compliance, forced unwinding of transactions and penalties that run into thousands of dollars. Super mistakes can also permanently damage your retirement savings. Data Security and Privacy There is also a practical risk many people overlook: entering personal or financial information into AI platforms. Once data is entered, you lose control over how it is stored or used. This creates privacy and fraud risks that are simply not worth taking. A Smarter Approach: AI Plus Professional Advice AI is best used as a support tool, not a decision-maker. It can help you understand the landscape, but important tax and super decisions should always be reviewed in light of your full circumstances. At our firm, we encourage clients to bring questions early, test ideas and have conversations before acting. That approach almost always costs less than fixing problems after the fact. The bottom line: AI can be a helpful assistant, but it is not your accountant. When it comes to protecting your wealth and staying compliant, tailored professional advice remains essential.
By Clarke McEwan February 11, 2026
When clients sell a long-held family home, they may be able to channel part of the proceeds into superannuation by using the downsizer contribution rules. Basic Eligibility Conditions To qualify, the seller must meet a number of conditions: They must have reached the eligible age of 55 years (at the time of making the contribution). The eligible dwelling must be located in Australia and have been owned for at least 10 years. The disposal of the dwelling must be exempt from CGT under the main residence exemption to some extent (full exemption not required).ntent of your post goes here. To edit this text, click on it and delete this default text and start typing your own or paste your own from a different source. The contribution must be made within 90 days of settlement, and an election form must be lodged with the fund no later than when the contribution is received. The downsizer contribution can only be used once per individual and is limited to the lesser of the gross sale proceeds or $300,000 per person. Does the Sale Need to be Fully CGT-exempt? A common question is whether the sale must be fully exempt as the main residence. Importantly, a full exemption is not required. Even if only part of the capital gain is exempt under main residence rules, the property may still qualify — provided all other conditions are met. Is the Property Required to be the Main Residence at Sale? Equally important: the property does not need to be the seller’s principal residence at the time of sale. Living in the property for some years and renting it out later does not disqualify it, as long as the ownership and residence history supports at least a partial main residence exemption. Special Rules for Pre-CGT Properties Where a property was acquired before CGT began, the rules look at whether part of the gain would have been disregarded had CGT applied. A key requirement is that there is a dwelling that qualifies as the main residence. Disposal of vacant land will generally not satisfy the test and therefore will not meet downsizer requirements. Eligibility of a Non-Owning Spouse It is common for only one spouse to be listed on the property title. A non-owning spouse may still qualify for a downsizer contribution if all other requirements are met, apart from ownership. However, a spouse who never lived in the property and could not reasonably have treated it as their main residence is unlikely to be eligible. Preservation and Access to Funds A downsizer contribution is subject to the standard preservation rules. Once contributed, the amount cannot be accessed until: · You reach preservation age (60) and retire, or · You reach age 65, regardless of retirement status. Consider future cash-flow needs before making the contribution. Before you Contribute Although seemingly straightforward, downsizer contributions involve several nuances. Please contact us if you have any questions. Related links: Downsizer super contributions Downsizer contributions and capital gains tax
By Clarke McEwan February 11, 2026
For many Australians, a holiday home does double duty. It’s a place to escape with family and friends, and during the rest of the year it’s listed on Airbnb or Stayz to help cover the costs. Until recently, many owners assumed they could claim most of the usual deductions for the property without much trouble, as long as appropriate apportionments were made. However, that position is now under more scrutiny than ever following the release of some new draft guidance documents by the Australian Taxation Office (ATO) - TR 2025/D1, PCG 2025/D6 and PCG 2025/D7. The ATO is looking to significantly tighten the rules around holiday homes that are used to derive some rental income. While the documents are still in draft form, they clearly signal the ATO’s compliance focus going forward. What is the ATO Concerned About? In simple terms, the ATO wants to distinguish between properties that are genuinely held to maximise rental income and those that are primarily lifestyle assets with some incidental rental use. The ATO confirms that all rental income must be declared, even if it is occasional or earned through informal arrangements. However, if the property is really a holiday home and isn’t used mainly to produce rental income during the year then the owner can’t claim any deductions for expenses such as interest, rates, land tax, repairs and maintenance. That is, the ATO might not allow any of these expenses to be claimed as a deduction, even if the property is used to generate taxable rental income for some of the year at market rates. If the property is classified as a holiday home by the ATO then owners can only claim deductions for limited direct expenses such as cleaning or advertising. The ATO is particularly focused on properties that: Are blocked out for private use during peak periods (for example, school holidays or ski season), Are advertised inconsistently or at above-market rates, Generate ongoing tax losses year after year. How Expenses Must be Claimed Even if the property isn’t classified as a holiday home, it will often still be necessary to apportion expenses if the property is only used partly for income producing purposes. PCG 2025/D6 outlines how expenses should be apportioned. The key principle is that claims must be “fair and reasonable”. Common methods include: Time-based apportionment (for example, based on days rented or genuinely available for rent), and Area-based apportionment (where only part of a property is rented). Getting this wrong, or failing to keep evidence, increases audit risk. The ATO has access to booking platform data and can easily compare listings, calendars and reported income. The Financial Impact can be Significant Consider a holiday unit that earns $30,000 a year in off-peak rent but is kept for private use during peak holiday periods. Under the new approach, the ATO may conclude the property is really a holiday home and could reduce deductible expenses from tens of thousands of dollars to only a small fraction, resulting in a materially higher tax bill. Co-ownership also needs care. Income and deductions are generally split according to ownership interests, regardless of who uses the property more. Renting to relatives at discounted rates can further limit deductions. Practical Steps you Should Take Now Although the guidance is proposed to apply from 1 July 2026 (with transitional relief for arrangements in place before 12 November 2025), now is the time to review your position: Are you holding and using the property to genuinely maximise rental income? Is the property advertised broadly and consistently, including during peak periods? Use market pricing: Set rent in line with comparable properties in the same area. Keep strong records: Retain booking calendars, advertisements, enquiries, and a diary showing private versus rental use. Review ownership and strategy: In some cases, changing how a property is operated can improve its commercial profile and tax outcome, but beware of CGT liabilities, duty and legal fees. Document existing arrangements: If you may qualify for transitional relief, evidence is critical. The Bottom Line The ATO is not banning deductions for holiday homes, but it is drawing a firmer line between genuine investment properties and lifestyle assets. With the right structure, pricing and record-keeping, many owners can still claim appropriate deductions and improve cash flow. If you own a holiday property, a proactive review could save you from an unpleasant surprise later. Please contact us if you would like us to assess your current arrangements and help you plan ahead.
By Clarke McEwan January 16, 2026
According to the NAB Quarterly SME Business Survey for Q3 2025, the health of Aussie SMEs is on the up, with SME business conditions rising 7pts in this third quarter of the year. And there’s additional good news for manufacturing businesses – SME conditions for the manufacturing sector are up 11 points! Heading towards the end of the financial year, this improved outlook is a huge boost to confidence in the sector. However, it’s not the time to get complacent. To really set your business up for success in 2026, we’ve highlighted four strategic elements that will help you to continue this upward trajectory. 1. Get in control of your costs Explore fixed-price supplier contracts for key overheads like energy and raw materials. Fixed terms help you lock in prices and minimize any cashflow shocks if there’s further volatility in the supply chain in 2026. With costs more predictable and stable, you’ll be able to budget more effectively and keep the business in a positive cashflow position. 2. Boost your cash collection cycle Efficient collection of customer payments is a vital way to improve your cashflow position. Try enforcing stricter payment terms with your customers and using multiple payment channels, so it’s as easy as possible for customers to settle their bill. You can also use finance tools like invoice finance or early payment discounts to shorten your cash collection cycle (CCC), helping to stabilize your working capital and reduce your reliance on short-term credit and loans. 3. Invest in technology and production efficiency Automation technology offers a huge opportunity, if used wisely and strategically. Put your capital into automation technology and machinery that enhances the productivity, efficiency and cost-effectiveness of your production processes. With the benefits of automation, you can address labour cost pressures, reduce your manufacturing waste and increase your overall output capacity – a vital step if you’re going to scale up production for 2026. 4. Get flexible with your people strategy High staffing costs are eating into your margins, but there are ways to mitigate this impact. Try increasing your use of third-party contractors for specialized or growth-phase roles. This helps you access the expertise, skills and knowledge you need, but without committing to the full financial load of hiring permanent, high-paid employees. The signs of light at the end of the tunnel may be there for Australian manufacturing. But there’s real value in updating your business strategy for the coming year. Book some time with our team to talk through your 2026 goals, your current strategic worries and where we can work with you to revise and refresh your strategy.
By Clarke McEwan December 3, 2025
The Government has released draft regulations that would require certain retailers to accept cash payments, ensuring Australians can still buy essential goods like groceries and fuel – even when technology fails. The change aims to stop people from being excluded when power, internet, or card systems go down, or when they simply prefer to pay in cash. Who Will Need to Accept Cash – and Who Won’t The new rules are targeted and, importantly, practical. They’ll apply to fuel stations and grocery retailers, including both major supermarket chains and independent operators, but only for in-person transactions under $500. That means you won’t have to accept someone paying for a $700 tyre replacement or bulk farm supplies in cash – it’s about the everyday essentials. If your business (or franchise group) has an annual turnover of less than $10 million, you’ll be exempt. That’s good news for most small businesses such as family-run grocers, local cafés, and corner stores already managing tight margins and staffing challenges. The regulations are expected to take effect from 1 January 2026, with a review after three years to see how the system is working in practice. Why It’s Happening The move comes as part of a broader push to maintain access and fairness in Australia’s payment system. The Government and industry groups have recognised that while most Australians are happy to tap their card or phone, around 10–15% still prefer to use cash – particularly older Australians and those in regional or remote areas. There’s also a resilience angle: during bushfires, floods, or power outages, card networks can go offline. In those moments, cash becomes essential. What This Means for Your Business For larger retailers, this change will mean dusting off cash-handling policies and reintroducing processes that many have phased out. That may include: Re-establishing cash floats and tills Staff training to handle and verify cash More frequent bank deposits and reconciliation procedures For small businesses that fall under the $10 million exemption, the key step will be to document your turnover clearly so you can demonstrate that the exemption applies. We can help ensure your records and structures support that. There may also be commercial upside. Accepting cash could attract a segment of customers who’ve drifted away as stores went digital – especially in regional areas where cash use remains strong. A small business that promotes “cash welcome” could even gain new loyal customers who value convenience and personal service. Preparing for the Change With final regulations expected soon, it’s worth starting to plan now. Review your payment policies, assess whether you’re likely to be caught by the new rules, and budget for any setup or compliance costs. If you’re exempt, ensure your records are watertight. If not, look for ways to streamline cash handling – for example, by using digital cash counters or smart safes to reduce errors and time spent on reconciliations. Looking Ahead Cash isn’t going away just yet. This reform is about maintaining choice, resilience, and fairness in how Australians pay – and ensuring businesses are ready when customers want to use it.  If you’d like help assessing how these rules could affect your operations or what the exemption means for your business, get in touch with our team.
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