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Below The Line

CFO

Cost Optimisation

+2

The decision you made by waiting, and the hire it could fund

Oct 15, 2026

•

3 min read

The decision you made by waiting, and the hire it could fund

Wait and see on AI still hands the call to someone, and quiet cost work is how the hire gets paid for.

Procurement

+2

The cheapest quote, and the line too small to check

Oct 8, 2026

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3 min read

The cheapest quote, and the line too small to check

What a tender scores as price, and what your smallest suppliers know about the lines you never look at.

Workforce

+2

The team you hold tightest, and the supplier you never test

Oct 1, 2026

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3 min read

The team you hold tightest, and the supplier you never test

Your own finance team's pay, and the offer your longest supplier keeps to itself.

Cost Optimisation

+3

Budget season decides two things nobody is watching

Sep 24, 2026

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3 min read

Budget season decides two things nobody is watching

The hire you cannot fund, and the pay rise aimed at the wrong people.

Cost Optimisation

+3

Two moments nobody tests the price

Sep 17, 2026

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3 min read

Two moments nobody tests the price

One is the renewal you approved. One is the month after the signature.

AI Governance

+3

Deferral is not the same as deciding

Sep 10, 2026

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3 min read

Deferral is not the same as deciding

One supplier price set by a date. One capital call handed to whoever is enthusiastic.

Workforce

+3

Process is deciding what strategy should

Sep 3, 2026

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3 min read

Process is deciding what strategy should

One allocation made by the calendar. One category made invisible by the reporting.

SaaS Spend

+3

Two blind spots your governance created

Aug 27, 2026

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3 min read

Two blind spots your governance created

The approval threshold that fragments indirect spend, and the software category that was filed as technical.

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Pragmatic cost thinking for mid-market Australian CFOs. One letter every Thursday morning.

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