About Credit Where Debits Due

Plain-English money guidance for Australian small business owners, founders and side-hustlers, from a working CFO.

Most people are never taught how money actually works, whether it's their own budget or the finances of a business they've started. Credit Where Debits Due exists to fix that, in plain English.

I write about starting and structuring a business, paying yourself and managing cash flow, personal budgeting and building wealth, and growing your skills and career. Every article is built on principles I hold and apply in my work, explained in Australian terms and checked against official sources such as the ATO, ASIC and business.gov.au. You can read how articles are produced and checked in our Editorial Policy.

Everything on this site is general information, not personal financial or tax advice. Your situation is your own, so speak to your accountant, registered tax agent or a licensed adviser before making decisions. See our Disclaimer for more.

I'm Santo, a working CFO and company director. I'm a director of two Australian businesses, and I've set up companies, trusts and payroll from scratch. My day job is making financial decisions that have real consequences, and seeing which ones pay off and which ones quietly cost money.

Credit Where Debits Due is a one-person blog. You can reach me through the Contact page, and I read every message, usually within a week.