In this episode of Behind the Books, we sit down with Mel Curwood, a financial coach who works closely with business owners to help them get back in control of their money - especially when things feel tight.

With a background in credit control and debt prevention, Mel shares what’s really happening behind the scenes for small businesses right now. From rising costs and delayed payments to the ripple effects across industries, we explore how cashflow pressure is showing up - and what can actually be done about it.

We also dive into why debt collection isn’t the “magic fix” many people think it is, where outdated payment habits like the 20th of the month came from, and how small changes in communication and systems can make a big difference.

This episode covers:

• Why debt collection isn’t always the solution people expect
• The real impact of cashflow pressure across businesses and industries
• Where common payment habits come from - and why they no longer work
• Practical ways to improve cashflow, including deposits and faster invoicing
• The role Bookkeepers play in supporting clients through financial stress
• How better conversations and clearer expectations can reduce risk

If you’re a Bookkeeper supporting clients through tough times, or a business owner feeling the pressure yourself, this is a must-listen.