In this episode of The 3Bz Podcast, Stephanie Marshall shares five financial red flags she often sees before a business begins to struggle. Working closely with businesses every day gives bookkeepers and accountants a unique perspective. Patterns start to appear long before problems become obvious to the business owner.

In this episode Stephanie explains the warning signs that frequently show up in the numbers first. From avoiding financial reports to letting bookkeeping fall behind, these small signals can quietly build into bigger challenges if they are ignored. She breaks down why these patterns happen, what they usually indicate inside a business and most importantly how business owners can spot them early and fix them before they become serious problems.If you want your business finances to feel clearer, calmer and more under control, this episode will help you recognise the signals your numbers may already be giving you.

And if your finances currently feel reactive instead of strategic, it might be time to get the right support around you. Connect with A B C S UK here: https://linktr.ee/abcsuk

In this episode of The 3Bz Podcast, Stephanie Marshall explores the difference between growing a business and scaling one.

Many business owners focus on growth. More clients, more sales, more work. But growth alone does not always create a stronger business. In fact, without the right systems and financial foundations, growth can sometimes create more stress and less profit.

In this episode, Stephanie breaks down what scaling actually means in practice and why so many businesses struggle to make the shift from busy to sustainable. She explores the key areas that need to evolve as a business grows, including systems, pricing, capacity and decision-making. Because scaling is not about working harder. It is about building a business that can grow without everything depending on the owner.

If you are feeling busy but not necessarily moving forward, this episode will help you understand the difference between growth and true scale.For ways to work with Stephanie: https://linktr.ee/abcsuk

In this episode of The 3Bz Podcast, Stephanie shares the honest truths most bookkeepers wish business owners understood.

From unclear transactions and late information to VAT surprises and messy expense records, this episode explores the small habits that create unnecessary stress in business finances. Stephanie explains why clean communication, consistent record-keeping and financial engagement are essential not just for compliance but for confidence and profitability.

This is a practical and slightly cheeky conversation designed to strengthen the partnership between business owners and their bookkeepers.

If your finances feel reactive, rushed or unclear, this episode will help you understand why and what to change.

🔗 To work with A B C S UK or book a discovery call, visit www.abcsuk.com
⭐ Follow, subscribe and leave a review to help more business owners build better businesses.

In this episode of The 3Bz Podcast, Stephanie Marshall explores the real cost of procrastination in business and why it is not a time management problem but a self-regulation problem.

Drawing on established psychological research, this episode unpacks why high-performing business owners delay important decisions, how short-term mood relief leads to long-term stress and poorer outcomes and why avoidance often looks like productivity.

This is a grounded, research-informed conversation for business owners who know they are capable of more but keep putting certain tasks off.

If you have been delaying something in your business, this episode will help you understand why and, more importantly, what to do about it.

🔗 To work with A B C S UK or book a discovery call, visit www.abcsuk.com
⭐ If this episode helped, please follow, subscribe and leave a review to support more business owners building better businesses.

In this milestone episode, Stephanie reflects on how the show began and why its original intention still matters today.

What started as a simple, audio-only podcast without a launch plan or polished production has grown through consistency, clarity and a commitment to helping business owners build better businesses. There was no big strategy. Just a decision to begin.

With over 3,000 downloads across podcast platforms, more than 5,000 YouTube views and over 40,000 impressions in the last year, the growth of The 3Bz Podcast is proof that meaningful progress often comes from showing up consistently rather than waiting for perfect conditions.

In this episode, Stephanie shares why she started before she felt ready, what has evolved over 150 episodes, and what has intentionally stayed the same.

If you have been waiting for confidence, certainty or the “right time” to begin something important in your business, this episode is your reminder that starting is often the only step you need.

🎧 Listen now and share your thoughts or future episode ideas via https://linktr.ee/abcsuk
⭐ And if this podcast has supported you, please follow, subscribe and leave a review to help more business owners find it.

In this episode of The 3Bz Podcast, Stephanie explores one of the most common but least talked about issues in small business: Bad-fit clients.

While many business owners focus on getting more clients, fewer stop to look at the impact certain clients have on time, energy, confidence, and profitability. This episode looks at how bad-fit clients quietly drain resources, create unnecessary stress and prevent businesses from operating at their best.

The conversation covers how to spot warning signs early, why saying yes often feels easier than saying no and why raising prices alone does not always solve the problem. It also looks at the importance of reviewing client relationships honestly and setting clearer standards for who a business is built to serve.

This episode is designed for business owners who feel busy but stretched, and who want a healthier, more sustainable business going forward.

Links and ways to work with A B C S UK can be found at
https://linktr.ee/abcsuk

Being busy is often worn like a badge of honour in small business.

Full diary. No gaps. Always on.

And yet…the numbers don’t reflect it.

In this episode, Stephanie talks about why being busy doesn’t automatically mean your business is profitable, why over-delivery quietly eats into your margins, and how “just getting through the work” can stop you making better decisions.

This is about stepping back and asking some uncomfortable questions.

Where is your time actually going?

Which work makes you money?

And what are you doing out of habit rather than strategy?

It’s not about working harder or adding more hours. It’s about understanding what’s really driving your income and what’s quietly draining it.

If your days are full but your business still feels harder than it should, this episode will give you the clarity to fix that.

Listen now and stop mistaking busy for success.

Links and ways to work with Stephanie are here: https://linktr.ee/abcsuk

Pricing is one of the things business owners overthink the most and fix the least.

In this episode, I’m talking about why pricing feels so uncomfortable, why so many business owners are undercharging without realising it and why constantly tweaking your prices doesn’t actually solve the problem.

This isn’t about copying what someone else charges or pulling numbers out of thin air. It’s about looking at your business properly. What you delivered. What it cost you. What actually worked last year.

It’s about using evidence, not emotion. Looking at what actually happened last year and making decisions from that, instead of getting swept up in January noise.

If you’ve ever justified your prices, avoided saying them out loud or quietly resented the work because it’s “not worth the hassle”, this episode is for you.

Listen now and then decide if your pricing really is the issue or if it’s time to stop second-guessing yourself.

Links and ways to work with me are here:
https://linktr.ee/abcsuk