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Core Figures Running your own small business is an incredible journey, but let’s be honest, keeping on top of the books can sometimes feel like navigating a maze.

NZQBA Qualified Bookkeeper
Xero & MYOB Partner
Payroll Certified
Qualified Administrator
Certified Teaching Assistant
NZ owned and operated for small NZ businesses I’m Stephanie, and I understand the balancing act you face every day. Before founding Core Figures, I owned and ran a property management company. I experienced firsthand the very same challenges of juggling the crucial task of financial management. It’s this personal experience that fuels my passion for helping fellow small business owners like you find clarity and control over your finances. I will help you by simplifying the financial side of your business. As member of the New Zealand Qualified Bookkeepers Association who is certified as a Xero Advisor & Payroll specialist, as well as a MYOB Business & Payroll, I bring a wealth of knowledge and experience that can be personalised to fit your unique needs and requirements. My greatest satisfaction comes from seeing you truly understand your business’s financial health. By working together, you can confidently focus your energy on what you do best – growing your business. Let’s work together to simplify your bookkeeping, reduce your stress, and set your business up for long-term success.

05/10/2026

What is a bookkeeper – and what do they actually do?
If you run a small business, you may know you need to keep financial records, but you might not be completely sure what a bookkeeper actually does.

A bookkeeper manages your business’s day-to-day accounting tasks, including recording the money coming into your business, the money going out, and the things your business buys and owns.

But bookkeeping is about more than simply entering numbers.

In my latest article, I explain what a bookkeeper is, what they do and how they can help your small NZ business – in plain, simple terms.

Read the full article here:

A quick security update about Xero's new login screenIf you use Xero for your business, you may have noticed a change to...
25/09/2026

A quick security update about Xero's new login screen

If you use Xero for your business, you may have noticed a change to the login process.
Xero's new login screen is rolling out and currently now automatically selects the "Trust this device" option.

The checkbox is small and easy to overlook, meaning a user may complete their MFA approval without realising that their device has been marked as trusted for up to 30 days.

Why is this important?
Xero accounts are actively targeted by cybercriminals through phishing emails, fake websites and attempts to obtain login credentials.
This is where the security risk comes in. If a hacker gains access to a device that has been trusted for Xero, they may be able to access the Xero account without being challenged by MFA during the trusted period.
This is particularly relevant to businesses where Xero is accessed by multiple people or from shared devices.

What can you do?
The next time you log into Xero, take a moment to un-check the "Trust this device" option before completing MFA.
Only trust devices that are secure and under your control.
If you have accidentally trusted a device, we recommend clearing the Xero cache. We have found that simply clearing cookies may not remove the trusted-device setting.

How to clear your browser cache

Google Chrome
Open Chrome.
Click the three dots (...) in the top-right corner.
Select Settings.
Select Privacy and security.
Select Delete browsing data.
Select Cached images and files.
Choose the appropriate time range.
Click Delete data.
Close and reopen Xero and log in again.

Microsoft Edge
Open Edge.
Click the three dots (...) in the top-right corner.
Select Settings.
Select Privacy, search and services.
Under Clear browsing data, select Choose what to clear.
Select Cached images and files.
Choose the appropriate time range.
Click Clear now.
Close and reopen Xero and log in again.

Mozilla Firefox
Open Firefox.
Click the three lines ☰ in the top-right corner.
Select Settings.
Select Privacy & Security.
Under Cookies & Site Data, select Clear Data.
Select Temporary cached files and pages.
Click Clear.
Close and reopen Xero and log in again.

Safari (Mac)
Open Safari.
Select Safari β†’ Settings.
Select Advanced.
Turn on Show features for web developers, if required.
From the menu bar, select Develop.
Select Empty Caches.
Close and reopen Xero and log in again.

If other people have access to your Xero organisation, please share this information with them.
This could include employees, administrators, payroll staff, accountants, bookkeepers and other authorised users.

New Zealand’s financial markets watchdog admits holiday pay method breached employment law https://www.stuff.co.nz/nz-ne...
24/09/2026

New Zealand’s financial markets watchdog admits holiday pay method breached employment law https://www.stuff.co.nz/nz-news/361037864/new-zealands-financial-markets-watchdog-admits-holiday-pay-method-breached-employment-law?fbclid=IwY2xjawUijUlleHRuA2FlbQIxMABwZG9mBWJyaWQRMXQ0WlhvQW5ERFhraXdCNFpzcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEe22F5A1gnubhCzQNwXvzSNhIjumg2Dcrui-58vLe1VKteoN_7_wM4tycdCN4_aem_E2aYJ3V9SWB4aSTRP6lrXw

A former FMA lawyer says hundreds of current and former employees may have had their holiday pay calculated incorrectly

How to Know if your New Zealand Hospitality or Seasonal Employee is a Casual or Permanent Employee and how Fixed Contrac...
24/09/2026

How to Know if your New Zealand Hospitality or Seasonal Employee is a Casual or Permanent Employee and how Fixed Contracts Help

We were recently asked the question from a first-time employee who has a casual helper in her hospitality store that is currently open 2 nights a week for 6 hours.

They will be increasing work over the summer but moving back into winter the business will be quieting down a bit, as expected to quieten down again over winter.

The employer is concerned of what to do if things quieten down over next winter. They are unsure what the best option is for their business to avoid failing to meet current New Zealand Employment law.

The question was:

β€œFreshly on a casual contract but I’m open to changing it with her agreement. Should I go for a fixed term since we’re coming into summer and its seasonal hospitality work?

What do I do if I have her permanent but need to reduce the hours?”

So what are the legal differences between casual and permanent employees in New Zealand?

Casual employees

Casual employees are on call and can turn down shifts offered to them as they are legally entitled to do so. They can also leave at any time.

The employer is also not required to offer specific work days and hours and can stop offering work at any time.

Annual leave is accumulated at 8% and paid at the same time as their wages are paid – therefore does not accumulate over time.

If the employee however is asked to work set days and set times on those days regularly, this creates a pattern.

Once a pattern of work is established, this is no longer a casual employee and fits into New Zealand employment Law’s definition of a permanent staff member.

Permanent employees

Permanent employees can be either full-time, part-time and can also be on fixed term contracts.

Annual leave is accumulated over time for permanent employees, to be used at a later date that suit both the employee and/or meets the conditions set out in the Employment Agreement.

Full-time employment

Full-time employment is when the employee works a set number of days and hours from 30 hours and over per week.

Part-time employment

Part-time employment is when the employee works a set number of days and hours less than 30 hours.

How do fixed term contracts help Hospitality employers?

This allows for you to state the days and hours the employee will work over a specified time frame with start and end dates in the contract.

During quieter periods this works well.

When you know you are coming into a busier period you create another fixed time frame contract with the start and end dates.

Fixed term contracts are perfect for the Hospitality and seasonal work industries.

They allow for short-term employee’s working hours to reduce and increase as needed by your business.

If the days and hours are consistently the same, this creates a pattern of work, so the employee will fall out of being casual and may need to be treated as a permanent employee.

How a fixed contract will help

A fixed contract might be more suitable for over the summer, and a new fixed contract can be created for over winter.

Please feel free to book a free 15-minute consultation with one of our Core Figures Payroll Specialists if you require more information or would like us to prepare a contract for your employees.
https://corefigures.co.nz/contact/

People are going to 'lose hundreds of dollars a week' taking leave, union warns https://www.rnz.co.nz/news/personal-fina...
16/08/2026

People are going to 'lose hundreds of dollars a week' taking leave, union warns https://www.rnz.co.nz/news/personal-finance/1020829/people-are-going-to-lose-hundreds-of-dollars-a-week-taking-leave-union-warns?fbclid=IwY2xjawTvKmBwZG9mBWV4dG4DYWVtAjExAHNydGMGYXBwX2lkEDIyMjAzOTE3ODgyMDA4OTIAAR5bDdykYw-0g305QTo11tucmWIUmop11KPaalFRdPfacm-e0aTz8LdLcaAZxw_aem_Hs1ibEW57jvTSbfmDkZEZw

There is a risk that some people may not be able to afford to take leave when new rules take effect, unions and employment law experts say.

Refer someone looking for a bookkeeper & get rewarded with 10% of their fees for 3 months on every one of your referrals...
12/08/2026

Refer someone looking for a bookkeeper & get rewarded with 10% of their fees for 3 months on every one of your referrals. Contact us through our website & tick Referral - this is not a mailing list but simply a way for you to contact us. We will reply to you with any further info you require as well as T&C's https://corefigures.co.nz/contact/

I've been working really hard to help my clients and train in all aspects of Xero. It's so nice to be recognised and rew...
17/07/2026

I've been working really hard to help my clients and train in all aspects of Xero. It's so nice to be recognised and rewarded by Xero for my work by being added to their Partner Advisory Directory. A big thank you to all my clients for your continued support. https://www.xero.com/nz/advisors/810f021e-3daa-440d-b423-c0bb9b7cd6b3/?fbclid=IwY2xjawTFPyRleHRuA2FlbQIxMABicmlkETF4T01FVWtZclVSUlh5UUJyc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHqYM-LJ6duU7iyBIMPn2SUKLMNUyTraYCIgXvFxM3EMoF58aVyV2ebvt90Rr_aem_NdofMB-Jg2FqW3OXy76Rsg

Β© 2026 Xero Limited. All rights reserved. "Xero", "Beautiful business" and "Your business supercharged" are trademarks of Xero Limited.

I've been chatting with a few small business owners lately, and now I'm curious..What do you actually want from a bookke...
08/07/2026

I've been chatting with a few small business owners lately, and now I'm curious..

What do you actually want from a bookkeeper these days? πŸ€”

Whether you've worked with a bookkeeper before or you manage your own books, I'd love to hear your thoughts.

What's the best thing a bookkeeper has ever done for you?
What's something you wish they'd done differently?
If you do your own bookkeeping, what's the biggest challenge you face?
Is there anything you'd like more support or training with?

I'm genuinely interested in understanding what small business owners really need today. I don't believe there's a one-size-fits-all approach, and hearing real experiences is far more valuable than trying to figure it out on my own.

If you could change just one thing about the bookkeeping support you've received (or wish you had), what would it be?

I'd really appreciate you sharing your experience, it might help not only me, but other business owners and bookkeepers reading along too.

Thanks so much! 😊

πŸ’‘ Why does a bookkeeper cost less than an accountant? πŸ’‘If you’re a small business owner using Xero or MYOB, this could s...
11/01/2026

πŸ’‘ Why does a bookkeeper cost less than an accountant? πŸ’‘

If you’re a small business owner using Xero or MYOB, this could save you thousands each year πŸ‘€

πŸ‘‰ Accountants usually focus on:
β€’ End-of-year accounts
β€’ Tax returns
β€’ IRD compliance

πŸ‘‰ Bookkeepers focus on your day-to-day finances:
β€’ Keeping your accounts accurate & up to date
β€’ Managing GST and payroll
β€’ Helping you understand your numbers before problems arise

πŸ’° The best part?
I charge just $59 per hour β€” accountants often charge 2–3x more for the same work.

βœ… What I can help your business with:

πŸ“Œ Xero & MYOB bookkeeping
πŸ“Œ Bank reconciliations
πŸ“Œ Invoicing & debtor management
πŸ“Œ Supplier bills & expense coding
πŸ“Œ GST preparation & filing
πŸ“Œ Payroll processing & PAYE
πŸ“Œ Holiday pay, leave & payroll setup
πŸ“Œ New employee onboarding
πŸ“Œ Cashflow support
πŸ“Œ Xero & MYOB training & support
πŸ“Œ Fixing messy or overdue accounts
πŸ“Œ Liaising with your accountant
πŸ“Œ Ongoing free advice & guidance

🎁 FREE 30-minute consultation
Not sure what you need? Let’s chat. I’ll review your setup, answer your questions, and point you in the right direction β€” no obligation.

πŸ‘‡ Book your FREE 30-minute consult here:
πŸ”— https://corefigures.co.nz/

✨ I specialise in small NZ businesses and explain everything in plain English β€” no accounting jargon.

πŸ“© Or message me directly
πŸ“§ [email protected]

πŸš€ Stop paying accountant rates for bookkeeping work.

πŸŽ„ Christmas 2025 Holiday Pay - What NZ Employers Need to Know πŸŽ„With Christmas fast approaching, it’s important to make s...
15/12/2025

πŸŽ„ Christmas 2025 Holiday Pay - What NZ Employers Need to Know πŸŽ„

With Christmas fast approaching, it’s important to make sure your team is paid correctly over the holiday period - especially with holiday legislation changes on the horizon.

πŸ‘‰ Good news: For Christmas 2025, the current Holidays Act rules still apply.

Here’s a simple breakdown πŸ‘‡

βœ… Employees with 12+ months service
β€’ Entitled to 4 weeks paid annual leave
β€’ Pay the higher of:
πŸ‘‰ Ordinary Weekly Pay or Average Weekly Earnings

πŸ“Œ Full-time example
β€’ 8 hrs/day Γ— 5 days = 40 hrs/week
β€’ $1,200 per week = $240 per leave day

πŸ“Œ Part-time example
β€’ 3 hrs/day Γ— 4 days = 12 hrs/week
β€’ $300 per week = $75 per leave day

βœ… Employees with less than 12 months service
β€’ Not yet entitled to annual leave
β€’ If your business closes down over Christmas, they must still be paid holiday pay for the closedown period (usually paid via payroll accruals or 8% of gross earnings under current law)

🎁 Christmas & New Year Public Holidays
β€’ Christmas Day (25 Dec)
β€’ Boxing Day (26 Dec)
β€’ New Year’s Day (1 Jan)
β€’ The day after New Year’s Day (2 Jan)

βœ”οΈ If the day is a normal working day, employees are paid for it
βœ”οΈ If they work on a public holiday:
➑️ Time and a half + an alternative paid day off

πŸ”” Important – Changes Coming
The Holidays Act will eventually be replaced by a new Employment Leave Act, moving to hours-based leave accrual and simplified calculations.
⚠️ These changes are not in force yet, so Christmas 2025 still follows current rules.

πŸ’¬ Need help checking your payroll or holiday calculations?
πŸ“§ Email: [email protected]

🌐 Website: https://corefigures.co.nz/

✨ Feel free to share this with other NZ business owners ✨

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