Explore AI's Impact on Finance Careers with Stephen Moir

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See how AI reshapes finance careers with expert analysis.

Budgetly-BUZZ-logo- ITC Avant Garde Gothic-Aligned-FINAL (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VVtttj3mLsZZN34QKN5Z8gDwW6B8lDm5VR3dCN7FnD1-3prCCW8wLKSR6lZ3mFW5Jhlvc2vv6_ZW2T3YyQ3494ZqW2xBl6B4l5sp_VQyk6B5T1TNNW6BlNTN7cJX4gW2R11S-7LNJqMW3hjH1B5zq0yLW6p7jRR3b5GhVW4HyC195JnjZYW2yBrJ-65WZCbW2D9bds7ZNh_NW28xmvY3YTwhTW7gvF0s4gWwDPW3tvfG642ZGPPW8-b7Bq3P-vZ0W25mMhJ8tJbzgN96FZpxsnJdsW8TmYJ87TZ-1JW3HPqkr7bccF5N6h0LQWfCCFSW5_tyBl86m3zpW7P3g5t3vrL3jW17hKB85FJwgTN15xr4x3qFM-N14SKxJQQbY4VLZtT87r2DG7W81vCLD3nQFDGV9Q3Z55D3V92f7X9WkF04 )

Your weekly issue: 07 October 2026

How Yes Drive cut weekly admin from 4 hours to under 1, two fresh reads from Budgetly's CFO, and where to find Budgetly next.

Here’s what’s worth your attention this fortnight: how Yes Drive cut its weekly transaction admin from 3-4 hours down to under 1, why the small stuff, a taxi fare here, a subscription there, is where margin quietly leaks out of a budget, and where you'll find Budgetly next, on stage with Lisa Callaghan and on the show floor at a bookkeepers’ summit. Lisa also breaks down why your bank balance only tells you what’s already happened, not what’s coming, don’t skip her piece below.

Let's get into it.

FROM THE CFO

Lisa Callaghan, CFO @ Budgetly

The Practical CFO

Straight-talking cash flow and spend control advice from Budgetly's own CFO.

Small spend is where margin quietly disappears (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VVtttj3mLsZZN34QKN5Z8gDwW6B8lDm5VR3dCN7FnD0v5m_5PW5BWr2F6lZ3q4W91VRbm1cVcLLW3L57_38N-JX5W96hT6p1wbylMW1l0v6D6t9lwdW55g0Z752NrB7W2kDg9-81MNX_W2kM8-Q2HLb3sW1Q4KTV3W67PyW7dGt038bqq4fW818QG61zGHw4W1HzcYn8qS1DTW3PQT4R8Qsn_yW5hQwm88P7zg1W8-_KR15V_KG7W1JwL-f19-S3nW1GyD-n51frJ8W3yjXNV7lgHxDW6d2K0B34-chkN8c1BR796m06W3sG4bZ5v0jCgW15-ttJ546YGPW8XkNJs5FVk8bW7pnWXT345TFkW3hNVhc1FLvhTW8_L4Xl6YD1m0W3sbKgQ4BH4KSW4qQhZr7TdVWrW1v3Z2q6h9w7gW3zF17X43K54FVXGqzq1HYYQ6W74fnTj5bm1ClN7ymdjSjYTKBW2JBt_J6v1ksMW8Zb8SR80JHfsf4vY80j04 )

Small spend is where margin quietly disappears

Margin rarely disappears in one dramatic decision. Lisa breaks down how the steady drip of low-value purchases, harmless on their own, becomes material once a team grows.

READ THE ARTICLE > (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VVtttj3mLsZZN34QKN5Z8gDwW6B8lDm5VR3dCN7FnD0v5m_5PW5BWr2F6lZ3q4W91VRbm1cVcLLW3L57_38N-JX5W96hT6p1wbylMW1l0v6D6t9lwdW55g0Z752NrB7W2kDg9-81MNX_W2kM8-Q2HLb3sW1Q4KTV3W67PyW7dGt038bqq4fW818QG61zGHw4W1HzcYn8qS1DTW3PQT4R8Qsn_yW5hQwm88P7zg1W8-_KR15V_KG7W1JwL-f19-S3nW1GyD-n51frJ8W3yjXNV7lgHxDW6d2K0B34-chkN8c1BR796m06W3sG4bZ5v0jCgW15-ttJ546YGPW8XkNJs5FVk8bW7pnWXT345TFkW3hNVhc1FLvhTW8_L4Xl6YD1m0W3sbKgQ4BH4KSW4qQhZr7TdVWrW1v3Z2q6h9w7gW3zF17X43K54FVXGqzq1HYYQ6W74fnTj5bm1ClN7ymdjSjYTKBW2JBt_J6v1ksMW8Zb8SR80JHfsf4vY80j04 )

Your bank balance tells you what already happened. Your budget should tell you what's about to. (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VVtttj3mLsZZN34QKN5Z8gDwW6B8lDm5VR3dCN7FnD0P5m_5PW69t95C6lZ3lcW3l841M4k32FRW86YwhD6s0Q8sW1Zw6Tc986rd_W6LtHwq3J1xq0VWT7hp6xCf0DW8mXcWH5ynFVZW5Xf6Nq5f4xJ-W55FyGV4y7t4WW70722n2NKKx8W4Vng-V4VRSSsW8txZkV3FxmbMW3JJBHs7Z7FdPW8DBQgw68QqDFW3MPSRz5mCxkFW49LMSb4nsw84W5hP01x1SBJcFVPsbN362Nx5xW6h1PYt8C2xWZW5qVT8f4430_sV2xPSn3VSsmtW54jB7K1kNJDFN3Qqz0QF4ykzN40ByyxntJWYW2MSV3s8Fq6HWW4SNBKY8crbDBW6ywXPq87d7kWW4KGQBB5XB824W82g-jK985S7wW4YNhSP93jDTmW4Fz2Db4Jl6T_W655VzK4gBjF0W10ffXD4ydyMSW7_KqQQ1vH921MjjXCZxM3GPW2dVWcQ1dxScMW8wstSS1_CGd2f1rkzr604 )

Your bank balance tells you what already happened. Your budget should tell you what's about to.

A healthy bank balance can hide committed spend that hasn't cleared yet. Lisa explains why the budget, not the balance, is what should tell you what's coming.

READ THE ARTICLE > (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VVtttj3mLsZZN34QKN5Z8gDwW6B8lDm5VR3dCN7FnD0P5m_5PW69t95C6lZ3lcW3l841M4k32FRW86YwhD6s0Q8sW1Zw6Tc986rd_W6LtHwq3J1xq0VWT7hp6xCf0DW8mXcWH5ynFVZW5Xf6Nq5f4xJ-W55FyGV4y7t4WW70722n2NKKx8W4Vng-V4VRSSsW8txZkV3FxmbMW3JJBHs7Z7FdPW8DBQgw68QqDFW3MPSRz5mCxkFW49LMSb4nsw84W5hP01x1SBJcFVPsbN362Nx5xW6h1PYt8C2xWZW5qVT8f4430_sV2xPSn3VSsmtW54jB7K1kNJDFN3Qqz0QF4ykzN40ByyxntJWYW2MSV3s8Fq6HWW4SNBKY8crbDBW6ywXPq87d7kWW4KGQBB5XB824W82g-jK985S7wW4YNhSP93jDTmW4Fz2Db4Jl6T_W655VzK4gBjF0W10ffXD4ydyMSW7_KqQQ1vH921MjjXCZxM3GPW2dVWcQ1dxScMW8wstSS1_CGd2f1rkzr604 )

CLIENT SPOTLIGHT

Yes Drive cuts weekly transaction admin from 3-4 hours to under 1 with Budgetly

Yes Drive case study (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VVtttj3mLsZZN34QKN5Z8gDwW6B8lDm5VR3dCN7FnD145m_5PW6N1X8z6lZ3mNW9lzDtG4G6KKDW7t2t-M7mSp4gW4hcgVg1W4vlqW1nbSCj3DcQVLW5Vw-PR4J2J16W6TRVt62dpj6NVH9Fb_1Zm2T8W84wX0b9dmnkTW3tmqm74xrLFHW2rgKWZ52hQWxV1wGGH2D-cGcW4pxFRS13ZFHTW6KjtXM7T6lK0W6q5Whf15ppxxN6ycTBSx2ZNkW3L8Wd72YNpdTW3SZwNp3-Y0MrW25nKd15gtyqBW6DCQT26BzZrgW450KhG8F30qkDnFBdXRBfyW6XB1rj3lM6xPW12yg_L49YYF9N90rjMgWp2RHW7GW-dR5hpr7XW3ZlQ3X5nXm1LW9hdKZ-1XD3yqVZlFXz4zJS08W1RxWhh4bL1whW4Ghk4x1zTCn1N2VDNcp32SJpVzYFLR3GsLkJW5_8R798RKLYpW1Fd-W31_j85-W9gpJZV7772n1W2hfCDX380YlJW2N4RTX4P6zgqW50qdRf5FWT4Sf65M6hT04 )

Yes Drive, a vehicle rental business with branches across multiple locations, used to run spending through one shared business card, with finance manually categorising every transaction into a spreadsheet before it reached Xero. With Budgetly, National Operations Manager Sanal Perera's team now handles the same work in under an hour a week.

READ STORY
(https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VVtttj3mLsZZN34QKN5Z8gDwW6B8lDm5VR3dCN7FnD145m_5PW6N1X8z6lZ3mNW9lzDtG4G6KKDW7t2t-M7mSp4gW4hcgVg1W4vlqW1nbSCj3DcQVLW5Vw-PR4J2J16W6TRVt62dpj6NVH9Fb_1Zm2T8W84wX0b9dmnkTW3tmqm74xrLFHW2rgKWZ52hQWxV1wGGH2D-cGcW4pxFRS13ZFHTW6KjtXM7T6lK0W6q5Whf15ppxxN6ycTBSx2ZNkW3L8Wd72YNpdTW3SZwNp3-Y0MrW25nKd15gtyqBW6DCQT26BzZrgW450KhG8F30qkDnFBdXRBfyW6XB1rj3lM6xPW12yg_L49YYF9N90rjMgWp2RHW7GW-dR5hpr7XW3ZlQ3X5nXm1LW9hdKZ-1XD3yqVZlFXz4zJS08W1RxWhh4bL1whW4Ghk4x1zTCn1N2VDNcp32SJpVzYFLR3GsLkJW5_8R798RKLYpW1Fd-W31_j85-W9gpJZV7772n1W2hfCDX380YlJW2N4RTX4P6zgqW50qdRf5FWT4Sf65M6hT04 )

RESOURCES & NEWS

Will AI Replace Accountants? Stephen Moir's Take (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VVtttj3mLsZZN34QKN5Z8gDwW6B8lDm5VR3dCN7FnD0v5m_5PW5BWr2F6lZ3pHW700JWP6JGY31W4kn8YK8CFlxCW4fv7bb4sLM17W1JZ4Lb2bTstDW4_7zcr1lN8zYW11sDCL8ZZHXVW89ll4-2ngTVyVhKjg83wJ80dV479dd6PdM6sW7_wkyh7FPY58W8-319Y2Y94TPW1F_gxp8ld9G_W20cJyV42kXkwW2sy2vV3pGfSmW7-tk1z8CZrB2VV_MPP4HZ4-sW3d754j4PgbKvW7483n_61BHCPW2ff1Px4FTKpXW4wBRjk2zBlw_W4Vpg4Y2F8NBmW7HZSXh79RpZPW739f5C4HJpjzW2gdrTz7sq5rJW34l-wl4z5JsfN6Jj-C1lKP7hW73y3x52HJwTVVjXzc184C6DWVhM53G2zSX3VW4bywqG4KPsHVW5WXBsq8XyTNxW50tz_R6Wf4mnVxWfKV3hB1QDW83LGPK8Kslm1f4dzwLP04 )

Will AI Replace Accountants? Stephen Moir's Take

Stephen Moir, Executive Chair of finance recruitment firm Moir Group, argues AI will change finance work without wiping out finance careers, and sets out what that means for how graduate accountants should build their careers today.

READ MORE
(https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VVtttj3mLsZZN34QKN5Z8gDwW6B8lDm5VR3dCN7FnD0v5m_5PW5BWr2F6lZ3pHW700JWP6JGY31W4kn8YK8CFlxCW4fv7bb4sLM17W1JZ4Lb2bTstDW4_7zcr1lN8zYW11sDCL8ZZHXVW89ll4-2ngTVyVhKjg83wJ80dV479dd6PdM6sW7_wkyh7FPY58W8-319Y2Y94TPW1F_gxp8ld9G_W20cJyV42kXkwW2sy2vV3pGfSmW7-tk1z8CZrB2VV_MPP4HZ4-sW3d754j4PgbKvW7483n_61BHCPW2ff1Px4FTKpXW4wBRjk2zBlw_W4Vpg4Y2F8NBmW7HZSXh79RpZPW739f5C4HJpjzW2gdrTz7sq5rJW34l-wl4z5JsfN6Jj-C1lKP7hW73y3x52HJwTVVjXzc184C6DWVhM53G2zSX3VW4bywqG4KPsHVW5WXBsq8XyTNxW50tz_R6Wf4mnVxWfKV3hB1QDW83LGPK8Kslm1f4dzwLP04 )

UPCOMING EVENTS

Catch Lisa on stage at The Business Show Australia

Lisa Callaghan, Budgetly's CFO, is speaking on the "Embedding AI Across the Value Chain" panel, looking at how AI is showing up across a business, from day-to-day operations through to the finance function. She's joined by leaders from TrueAgent, MVP1 Ventures and Epic Igniter, 25 November, 12:00pm–12:45pm at the Panel Theatre, ICC Sydney.

MORE INFO > (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VVtttj3mLsZZN34QKN5Z8gDwW6B8lDm5VR3dCN7FnD2g3prCCW95jsWP6lZ3mfW2TyvXk667dsqW7kvnwd5ZnqvDW2z0BJH1TLPGYW8KTC333pGzbXW3fw_DC4rDzjZW8q1Qdx5j0j8xW8Zf9fm4fJWM-V7Jk0r5_Vm2sW7p-TYD4fpjPLW8pygvh2CFLkcVzx2XW1Q9F9RW4ZKZWg58z1Y5W7gmQHD6W9KFcW14f2-L1yx4FsW4lKBjy87TS0sW4RDD4l6RN3vqW67wNS31jCdNLN7x7KBXPQ680W6TkkF366X_LyW70jh328RPKM3W2BgNgk6KVDCTW2q2wtp1fYglTW74pGck9kDg-BW28yfMd97mKVLN3_LTFJr1T5jW1gqVF582DW28W8c077G8Xx8v9W2VJQS65C14hfW5kmNCB4vyZFFW28QKFd1cl2g-f92KLYM04 )

Find us at the ICB Australian Bookkeepers Summit

Budgetly's exhibiting at the ICB Australian Bookkeepers Summit, 29-30 October at the Adelaide Convention Centre. Drop by our booth to see how Budgetly gives bookkeepers real-time budgets, cards and receipt capture, for faster month-end and fewer missing receipts. If you recommend software to your clients, ask us about the free Budgetly Partner Program: you introduce, we do the rest, backed by a 4.9/5 rating on the Xero App Store.

BECOME A BUDGETLY PARTNER > (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VVtttj3mLsZZN34QKN5Z8gDwW6B8lDm5VR3dCN7FnD1-3prCCW8wLKSR6lZ3n_W4HbwtW1kKvWCW6HgHjV6prPbpW19rvRm2jry6CW7l1NVk2mBZPqW4BSJYx1MptzQW8pmjd_42sJw3W8LtG4S7jfTnLW7_YvwH80rxjVW2yBwHH4lBw8YW62pJV54NMDkWW2gv_BG5LkYYkW1hplN56GpR6PW7KPSnx6xxxp8N8CHzVbmCgy1W2tRvzk90t50kW5lz7mR1rSsymW2yQ-D965WZrHN76Q3NzJjRjZV738Th21Chs5W7lpx6y6K7Y5PW91blH34xzyNRTJg1B68tkCbN82j6Qh6NWtYMR0dZdmdSJSW3q7FZ02wYc7gW5vFgjm7XbkPqW5P6cX825xt_4V-g4XH2ZpzvFf6LWscz04 )

RECENT CUSTOMER REVIEWS

★★★★★

“Not having to worry about reimbursements is amazing. We've always had great support, very responsive. We've saved at least 3 to 4 hours a week.”

Mel, Principal

Education · Verified Capterra Review

READ MORE REVIEWS
(https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VVtttj3mLsZZN34QKN5Z8gDwW6B8lDm5VR3dCN7FnD1-3prCCW8wLKSR6lZ3n8W2p8r_24Kb_xJW8-2s8W2B3JcNW6BhLhs5SFSkXVCr_jN89FD9-W37-mCF6cyPHSW5shSb81hmGVFW54rHPQ71lyb9W42KbSc1NhKWGV1DQ_014k8BzW5QrCj17Kb9H6W5tlTTX3gcy8-VBc_ml2-ppXBW7jdkqR85PPFqW6Vq8Gw6QXpPrW4_B9Nq1FqqcdN441rc8_gQczW889Snh2m56ddV5Y7GR20vPwDW2kGYBj2JbzzKW5FfZCR97TPz9W7cMKF2863MRkN5nKzdZYNxS4W94rYdH59Xz3LW90g85x3PWT_RW2yNbyp4wJX3lW8ckql51nMVD4W8sWVHp32T-vRV82y7B80hw-Sf6Kdj4M04 )

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nse/budgetly/2026-10-06/3368

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6 October 2026 · 23:00 UTC