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The Women’s Accountant

Name: The Women’s Accountant
Address: 20 James Street, Toowoomba, QLD, 4350, AU
Telephone: +61745981755

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The Women’s Accountant

A refreshing straight forward approach to business minus the BS. Welcome to The Women’s Accountant. There’s no room for ‘boring’ in my office.

If you’re a woman in business, then you’ve come to the right place. My name is Emma Bowdler and I’m an award-winning international entrepreneur. I also happen to be a woman (duh!) and I’m extremely passionate about helping women in business to achieve their wildest, craziest goals. I created this unique, no BS accounting service because I want to make your biggest business dreams a reality. With y

ears of experience in business and accounting, I’m fully equipped to provide rich guidance, direction, and clarity – without the sugar coating. I’m here to offer real inspiration, business strategy, and financial advice to boss women like you who are ready to stand out from the crowd. I also offer wine, because we all know that the best decisions in life are made over a bottle of bubbles. Let’s build a growth strategy that is honest, actionable, and headache-free. The Women’s Accountant has your back, helping women do what we do best: succeed.

04/02/2026

One of the easiest ways to tell how much control you really have in your business is whether you can log into your own Xero.

Access isn’t about being hands-on or “good with numbers”.
It’s about visibility.

If you can’t see your income, expenses and cash flow whenever you need to, you’re relying on someone else to interpret your business for you.

That’s not wrong, but it is a choice.

Owning your numbers is part of owning the role of business owner.

And February is a very good time to make sure the basics are actually covered.

02/02/2026

January loves a fresh start.
February is where things either change or they don’t.

New planners get bought in January.
Real decisions get made in February.

If I were you and wanted this year to actually count,
this is what I’d focus on now.

Pricing that reflects the value of the work.
Systems that don’t rely on you carrying everything.
Numbers that tell you the truth, not just what’s sitting in the bank.

Not more hustle.
Not more hours.
Better design.

February is still early enough to do this properly.
But it’s also late enough that pretending won’t help.

Save this. You’ll want it when the year starts to slip.

29/01/2026

My gym membership is gathering dust. Your pricing is still broken. We've both wasted January.

The difference is mine only costs me $50 a month. Yours is costing you real money.

You were going to sort your pricing this year. Get clear on your profit. Stop paying yourself whatever's left over.

Then the kids went back to school and January disappeared in a blur of lunch boxes and permission slips and getting back into routine.

It's nearly February and nothing's changed.

Look, I get it. January's chaos when you're juggling a business and a family. But every month you put this off is another month of undercharging and working harder than you need to for less than you deserve.

You've got 11 months left to make 2026 different.

Book a call. Let's sort your numbers.

26/01/2026

How much money is sitting in unpaid invoices right now?

I'm guessing it's more than you're comfortable with.

You offered 30-day terms because it felt professional. Your clients are paying in 60. Or 90. Or whenever they feel like it.

Meanwhile you're paying your team every fortnight and wondering why cashflow is always tight.

You're funding their business for free.

If you're a service-based business, I'd recommend 7-day payment terms at a bare minimum. 50% upfront, 50% on delivery works even better.

Some clients will push back. Those are the clients who were planning to pay you slowly anyway.

The ones who value your work will pay on time.

Protect your cashflow.

24/01/2026

When was the last time you charged extra for a rush job?
My bet is never.

Client needs it urgently. You drop everything, rearrange your schedule, work the weekend to hit their deadline.

Then charge them your normal rate.

Rush work should cost more. You're taking on more pressure, less flexibility, and giving up your weekend to prioritise one client over everything else.

If they need it urgently, they pay for urgency. 25-50% on top of your standard rate.

If they won't pay for it, it's not actually that urgent.

Your weekends have value. You're entitled to charge for them.

23/01/2026

Had a conversation with a client...

She's been building her business for years. Successful. Profitable. Strong revenue, solid margins.

And for the first time, she's actually asking herself: "What if I just... stopped for a bit?"

Not because the business is failing. Because it's working so well she can finally consider what she actually wants.

A work hiatus. Early retirement. Selling up.

These aren't fantasies for people who got lucky. They're options you earn by building a business that keeps profit, not just makes it.

When your numbers are solid, you get to ask better questions.
That's the point.

21/01/2026

If tax time stresses you out every year, this is why.

You're stuck in the panic-promise-repeat cycle.

Tax time arrives.
You scramble for receipts.
You panic about the bill.
You promise yourself you'll be more organised next year.

Then next year comes and you do it all again.

This isn't about being disorganised or bad with money.

It's about paying tax reactively instead of strategically.

No quarterly planning.
No cashflow forecast.
No tax strategy.

Just work all year, then find out what you owe.

The stress is the symptom.
The reactive system is the problem.

When you plan tax quarterly, forecast cashflow, and build strategy into your year, tax stops being a surprise. It becomes predictable. Manageable. Boring, even.

That's what proper tax planning looks like.

19/01/2026

I run this calculation with clients all the time.

They think they're charging $200/hr. When we break down what they actually earned per hour on the project, it's closer to $70.

The look on their face when they see it is always the same.

Confusion.
Then frustration.
Then clarity.

"No wonder profit feels tight."

This isn't about working harder. It's about seeing where the gap is between what you think you're charging and what you're actually taking home.

Most service providers have never run this calculation. They're guessing at their profit margins based on quoted rates, not actual delivery.

Run the numbers on your last three projects.
Track every hour you spent.
Factor in your business costs.
Then divide your take-home by your actual hours.
That's your real rate.

If it's significantly lower than what you thought you were charging, you've found the leak.

18/01/2026

You're pricing for delivery time.
Not for the value you create.

Hours worked × hourly rate = price.

That's the formula most service providers use.

But your clients aren't buying your time. They're buying the outcome.

The strategy that saves them six figures.
legal work that protects their business.
The design that transforms their brand.
The advice that changes their trajectory.

That's worth more than your hourly rate.

When you price for delivery time, you're leaving money on the table. When you price for value, you get paid for what you actually deliver.

Your expertise is worth more than your hours.

16/01/2026

She was bleeding $50K a year and thought raising prices was her only option.

It wasn't.

I see this constantly with service-based businesses. They're absorbing payment processing fees because they don't want to look "cheap." Meanwhile, they're quietly haemorrhaging tens of thousands every year.

Here's the mental trap - they think passing on the fee is the same as raising prices.

It's not.

Your service costs what it costs. The payment method is separate. When your clients pay by card at a cafe, they don't think the cafe is being greedy for passing on the fee. They just pay it.

She was stuck.

The fees were killing her margins, but she was genuinely worried about her clients and didn't want to add financial pressure.

So we gave clients a choice. Pay by card with a small fee applied, or direct deposit with no fee. That's it.

Most kept paying by card because convenience matters more than $5. And the ones who switched to direct deposit? She wasn't paying the fee for them anymore either.

Increasing prices isn't always the strategy. Sometimes it's just about stopping subsidising costs that aren't yours to carry.

She got back over $50K without changing a single thing about her actual service or pricing.

If you're absorbing payment processing fees right now, ask yourself why. Your clients pay them everywhere else.

14/01/2026

Payday super starts July 1.

If you haven’t adjusted your cashflow yet, July is going to feel tight.

From July, super is paid with every pay run.
Not quarterly.
Every payroll.

That means July isn’t just “business as usual”.
You’ll be paying the April–June quarter and July’s super at the same time.

This is where cashflow pressure sneaks up on people.
Not because the rule is new, but because the timing changes.

If you want to soften the hit, start now.
Pay super with each pay run before it’s mandatory.
Build it into your cashflow while you still have room to adjust.

This isn’t optional.
It’s happening.

The businesses that plan early won’t feel it nearly as much.

Address

20 James Street
Toowoomba, QLD
4350

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61745981755

Website

https://thewomensaccountant.com.au/

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WELCOME

Hi, I’m Emma.

I am a women in business cheerleader, international entrepreneur and accountant with personality (I know right! We do actually exist)

I LOVE seeing women kick serious goals in business and watch that ripple into other aspects of their life. I am here to support your most explosive dreams with professional advice, guidance and a sprinkle of inspiration to help you along your business journey.

Disclaimer; while I love the pretty things in life, I am also a straight shooter. There will be no sugar coating. What you can expect though is a respectful hint of reality, down to earth approach and belly laughs until you snort.