Financial Analysis Insights

Real-world perspectives on business decisions, data interpretation, and the numbers that actually matter when you're trying to figure out what direction to take next.

Business financial planning workspace
March 2025 8 min read

When Cash Flow Forecasts Actually Work

Most businesses I've worked with treat cash flow forecasting like a checkbox exercise. But there's a difference between predicting numbers and understanding what drives them. Here's what I've noticed actually helps.

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Financial data analysis on computer screen
February 2025 6 min read

Why Your P&L Statement Might Be Lying

Profitability on paper doesn't always translate to business health. I've seen companies show profit while bleeding cash. The trick is knowing which metrics to pair together and when timing matters more than totals.

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Breaking Down Business Metrics

Financial analysis isn't just about crunching numbers. It's about understanding what those numbers mean for your specific situation and what levers you can actually pull.

Margin Analysis That Makes Sense

Gross margin tells you one story, but contribution margin often tells a more useful one. When you're deciding which products or services to focus on, knowing your true variable costs changes the conversation completely.

Working Capital Reality Check

I've watched businesses grow themselves into trouble because they didn't factor in how much cash gets tied up in inventory and receivables. The math isn't complicated, but the timing implications catch people off guard.

Investment Decisions Beyond ROI

Return on investment sounds straightforward until you start comparing opportunities with different time horizons and risk profiles. Sometimes the "worse" ROI is actually the smarter choice when you factor in what else is competing for that capital.

Strategic financial planning discussion
Thora Vinewood financial analyst

Practical Financial Guidance from Thora Vinewood

I've spent fifteen years helping Australian businesses make sense of their numbers. Not the kind of analysis that lives in spreadsheets, but the kind that changes how you think about decisions.

Started in manufacturing finance where pennies genuinely mattered and learned to spot efficiency opportunities most people miss

Moved into consulting because I kept seeing businesses make the same avoidable mistakes with working capital and growth funding

Work with companies from M to M revenue who need clarity on expansion decisions, pricing strategy, or operational efficiency

Based in Wollongong but help businesses across NSW navigate the financial decisions that keep them up at night

Resources for Better Business Decisions

Practical tools and frameworks that help you analyze your situation without drowning in unnecessary complexity.

Financial modeling workshop materials
Workshop Series

Financial Modeling Fundamentals

Six-month program starting September 2025 covering scenario planning, sensitivity analysis, and building models that actually inform decisions rather than just documenting assumptions.

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Analysis Templates

Break-Even Calculator Suite

Templates for multi-product break-even analysis, capacity utilization planning, and pricing scenario modeling. Built for businesses that need more than basic formulas but don't need enterprise software.

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Decision Framework

Capital Allocation Guide

How to evaluate competing investment opportunities when you can't fund everything. Covers weighted scoring, opportunity cost thinking, and risk-adjusted comparisons that work in practice.

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