In this episode of Money First, CEO, Harman Johnston gets real about one of the biggest mindset shifts in business: charging what you’re truly worth. If you’ve ever hesitated to raise your rates or felt weird asking for more money, this episode is exactly what you need.

Harman shares the story of how undercharging in her early days nearly burned her out—and how switching to value-based pricing changed everything. From breaking down what undercharging really costs you, to simple steps for raising your rates, this is a must-listen if you’re ready to grow without guilt.

You’ll hear: - The real impact of low prices (it’s more than money) - Why pricing based on time is keeping you stuck - A simple formula to help you charge with clarity - What to say when someone says “you’re too expensive”

Money First Move This Week: Pick one offer. Raise the price by 10–15%. Test it. Track how it feels. Watch your confidence grow.

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: info@blubookkeepers.com.au

In this episode of Money First, CEO, Harman Johnston explores the powerful framework from Adam Grant’s Give and Take that categorises people into Givers, Takers, and Matchers. Learn how each type shows up in business, why givers tend to both fail and succeed the most, and what separates a sustainable giver from a burnt-out one.

You’ll discover: - How to recognise your giving style and its impact on your energy, profits, and boundaries - The warning signs of overgiving and how to shift to strategic generosity - How to use the Profit First system to give with structure and clarity

Whether you’re a coach, creative, or service provider, this episode will help you protect your energy while continuing to lead with value.

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: info@blubookkeepers.com.au

One of the biggest mistakes I see business owners make is treating their business like a personal ATM. Logging into your business account, seeing money sitting there, and using it for groceries or personal bills might feel harmless - but this habit will keep you broke, stressed, and stuck.

In this episode of Money First, CEO, I share how I used to treat my business like a piggy bank, the financial chaos it created, and the exact system I now use to separate business and personal money with absolute clarity. I explain why mixing your business and personal finances leads to messy bookkeeping, unnecessary accountant questions, and painful director’s loan accounts that create unexpected tax bills.

The turning point came when I implemented Profit First and set up separate bank accounts for income, profit, owner’s pay, tax, and operating expenses. I’ll show you how this structure allows you to pay yourself consistently like a CEO, stay on top of taxes, and actually see real profit in your business.

If you’ve ever felt like you’re working hard but never getting ahead financially, this episode will give you the clarity and confidence to stop treating your business as your bank account and start using it as a true wealth-building tool.

🎧 Thanks for listening to the Money First CEO Podcast!
If this episode helped you move the needle, make sure to subscribe, leave a review, and share it with someone who needs to hear it.

Link to expense review

🔗 Where to Find Harman:
Website: www.blubookkeepers.com.au
Instagram: @blubookkeepers

Facebook: @blubookkeepersau
TikTok: @profitwithharman
LinkedIn: Harman Johnston

📞 Ready to Take Control of Your Business Finances?
Book a Free Discovery Call here

📩 Have a Question or Want to Be a Guest?
Email me directly at: info@blubookkeepers.com.au