Money & Schemes

Verbal agreements and handshake variations cause more disputes than anything else in the trades. What actually needs to be in writing, and why it matters.

A head contractor collapsing mid-job is different from slow payment. What retention trust accounts actually protect, and what to do if you’re caught out.

Cross $75,000 in turnover and everything changes — GST, tax invoices, and a BAS to lodge. Here’s what actually happens and how to avoid the late-registration trap.

Tool insurance gets all the attention. Public liability and income protection matter more — here’s why, and what happens if you skip them.

Construction has one of the worst on-time payment rates of any industry. Practical cash flow habits for subbies to survive slow months without going under.

A head contractor sitting on your invoice isn’t just annoying — it’s covered by law. How Security of Payment legislation actually works for Australian subbies.

Nobody pays super into your account automatically once you’re on an ABN. Here’s how self-employed tradie super actually works, and what it costs you to skip it.

Whether income protection insurance is worth it for tradies and apprentices, what it covers, and how to compare policies.

How home loans actually work for apprentices and tradies on variable or lower incomes — what lenders look for and how to prepare.

What Group Training Organisations (GTOs) actually do, how they differ from a direct employer, and whether one is right for you.