The invoice scam to watch, plus our new CRO

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Lisa on invoice scams, Alan Spicer on cash and fraud, how ActsCare Group saves a day a month, and our new CRO.

Budgetly-BUZZ-logo- ITC Avant Garde Gothic-Aligned-FINAL (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5czq3prCCW8wLKSR6lZ3nWW8qb0qV8zWB4xV-hY5T7DvLN6W3PT8_D1ntrSbW8WyZDm5j__bCW1LWP-V4g-rknW1ld8X291H1c4W5tksQQ4lkN_6W44lXyB8mWx6ZW18pp__2XFXbbVl3Gqk63n03hW4FFG786gG9XyMsc0dS8T5kCW4Zm4JZ5WCysjW4gSf7T1qvMCgW2lCvkX3pzQJ9W6tMZDt5_WNMpN2PqgVTXCTkZW7Pg29b6ZBDVTF7JNMfYcg3kW75B0DL8CSk2KW2c7hy03TxXrYW4cB-Hf96WqJYN7FH7GZGD2JYW9d6XJh69-hcJW4rg7kF4nnvZ5W3CcSCs27tLDZVlpp7-7GLLXJW52c4jr10dpqXf1fjMdM04 )

Your weekly issue: 04 November 2026

Lisa on invoice scams, Alan Spicer on cash and fraud, how ActsCare Group saves a day a month, and our new CRO.

Here’s what’s worth your attention this fortnight: two new reads from Lisa Callaghan, episode 3 of The Practical CFO (“Cash, Controls and Fraud in a Tough Year”), and how ActsCare Group saves time on receipts. You’ll also meet our new Chief Revenue Officer and find out where to see us at The Business Show.

Let’s get into it.

FROM THE CFO

Lisa Callaghan, CFO @ Budgetly

The Practical CFO

Two new articles from Lisa this fortnight, on the invoice scams to watch and what a bill really costs you to pay, plus her latest Practical CFO interview.

The #1 Invoice Scam Costing Australians $166.8 Million (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5cyd5m_5PW69t95C6lZ3ndW4QrYhF8PR6DTW1vmMFy3KzvDkW8tKzQp4RVd89W6fkBFP86_4-mN2Nr3TCz7YsfMLTtNTY-2nWW2hLszx1GKSzKW6_jhXQ6KQRymW784XNS64xJ-6W6gl7qc1nCTgQW1k5Lww5M7F_dVHDYSD7SrtYdVk1k857339qyW24TSlM7w0YTXW6Yr-n0159rMvW2LFDVn8DMgnBN6ZX7b5n7Y7XW4FTX-f3JSPmgW9kVnDh1xrWNnN8JGpsCZp8hxW4VPLF77LZN9zW1lVnxW5pmq6XW51CSmc1_-JDwW313FX08cZl1TW1TQWKK1YG3H_W44VXd72PbVSzN2JNTJt3j461W7XzXBb58xD62W3FkvtW6cYD7RW49HJd28FbLf5W7c01nh2-2Ln6W28KR_v2xP96VW3wQJSB3gT8yLW6kwWVZ22bjj0W794-zg1WZr2-VQv6RD2zJ8lff6ftq4M04 )

The #1 Invoice Scam Costing Australians $166.8 Million

The most dangerous invoices are real ones with altered bank details. Lisa Callaghan explains how payment redirection works and how to stop it.

READ THE ARTICLE > (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5cyd5m_5PW69t95C6lZ3ndW4QrYhF8PR6DTW1vmMFy3KzvDkW8tKzQp4RVd89W6fkBFP86_4-mN2Nr3TCz7YsfMLTtNTY-2nWW2hLszx1GKSzKW6_jhXQ6KQRymW784XNS64xJ-6W6gl7qc1nCTgQW1k5Lww5M7F_dVHDYSD7SrtYdVk1k857339qyW24TSlM7w0YTXW6Yr-n0159rMvW2LFDVn8DMgnBN6ZX7b5n7Y7XW4FTX-f3JSPmgW9kVnDh1xrWNnN8JGpsCZp8hxW4VPLF77LZN9zW1lVnxW5pmq6XW51CSmc1_-JDwW313FX08cZl1TW1TQWKK1YG3H_W44VXd72PbVSzN2JNTJt3j461W7XzXBb58xD62W3FkvtW6cYD7RW49HJd28FbLf5W7c01nh2-2Ln6W28KR_v2xP96VW3wQJSB3gT8yLW6kwWVZ22bjj0W794-zg1WZr2-VQv6RD2zJ8lff6ftq4M04 )

What It Really Costs You to Pay One Bill (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5cxY5m_5PW5BWr2F6lZ3nsW5MfQsL26l50pW2b3Q4-2QnHqYN7bhl9Jgvs9SW939HP_5mm0QRN6zGfpFYX9l5W5GdwBq5G3sz8W52K-jD6vC7d8W2MBt9n3p8wYSW6n_gC92ybZSPW7pC9h81H2FxwW1v4Z1P7Z-czRW40T4q57B0bQSW7nBcXb706-r8N64Htl0TTX03W5tz8C641bD-7W7Vy1S26G10g5W7_7Jdz644kwSVjCKxX7scRFXW1J52rv7RFkhcW7_ktCZ3QxXC6W3Lsq-y5641dwW3c6r7h8pg1prW6596V13s1zMhN6K8j27LcxWXW7lKt-b1612wGW5QYnRt66HK77Mv_Zv7JT73zW31gSl07mrRSyW3pzJDF5dW-H6W8fXQr32jyd4kW95-R3r52_l4KN7w2d_5__gSXW1Dk1y43jb19lW7HXMDS29XNKcf3QD6Td04 )

What It Really Costs You to Pay One Bill

The real cost of a bill is the manual process wrapped around it. Lisa shows where the time hides and how to remove it.

READ THE ARTICLE > (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5cxY5m_5PW5BWr2F6lZ3nsW5MfQsL26l50pW2b3Q4-2QnHqYN7bhl9Jgvs9SW939HP_5mm0QRN6zGfpFYX9l5W5GdwBq5G3sz8W52K-jD6vC7d8W2MBt9n3p8wYSW6n_gC92ybZSPW7pC9h81H2FxwW1v4Z1P7Z-czRW40T4q57B0bQSW7nBcXb706-r8N64Htl0TTX03W5tz8C641bD-7W7Vy1S26G10g5W7_7Jdz644kwSVjCKxX7scRFXW1J52rv7RFkhcW7_ktCZ3QxXC6W3Lsq-y5641dwW3c6r7h8pg1prW6596V13s1zMhN6K8j27LcxWXW7lKt-b1612wGW5QYnRt66HK77Mv_Zv7JT73zW31gSl07mrRSyW3pzJDF5dW-H6W8fXQr32jyd4kW95-R3r52_l4KN7w2d_5__gSXW1Dk1y43jb19lW7HXMDS29XNKcf3QD6Td04 )

▶ (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5czK3prCCW95jsWP6lZ3nhW6lMjwj6BDz8mW8jfVN15bKLHTW5lgPcD2czKPbW4C_z1t5kx90YV_7BPG6RtzZdW5vkxVj117yGNW2B7GqJ3ccJFPW6B0zTc8HTblXW8942Gl5VdljsW6yprSL5zCM5GW7nnys-7BqPf-W6WTrtV7HKc00W5cpc6j4DSmrbW1D34zr91vbZlW15qkPt3wk0xDW41J5KG8D2FzpVW80mc8XF8qWN7Spt_-XwN9FW6Sm6Bs8Mxw24W8jD3-q4SJ8DzW654HPB15BH7yN8014yJbXzX5W1cY7qy7sd7-6W1ng67s8YJxCCW8LCF4166nRWYW2JPF1K5XrSlFW8fCkbR42QSTtW3_mlCJ7rwnvFTl2y-2bpf1-W4sXqsF5w3M_Wf1MVdK404 )

Cash, Controls and Fraud in a Tough Year

Episode 3 of The Practical CFO: Lisa speaks with fractional CFO Alan Spicer about what’s hurting Australian small businesses this year, and the basics that protect them.

WATCH THE EPISODE > (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5czK3prCCW95jsWP6lZ3nhW6lMjwj6BDz8mW8jfVN15bKLHTW5lgPcD2czKPbW4C_z1t5kx90YV_7BPG6RtzZdW5vkxVj117yGNW2B7GqJ3ccJFPW6B0zTc8HTblXW8942Gl5VdljsW6yprSL5zCM5GW7nnys-7BqPf-W6WTrtV7HKc00W5cpc6j4DSmrbW1D34zr91vbZlW15qkPt3wk0xDW41J5KG8D2FzpVW80mc8XF8qWN7Spt_-XwN9FW6Sm6Bs8Mxw24W8jD3-q4SJ8DzW654HPB15BH7yN8014yJbXzX5W1cY7qy7sd7-6W1ng67s8YJxCCW8LCF4166nRWYW2JPF1K5XrSlFW8fCkbR42QSTtW3_mlCJ7rwnvFTl2y-2bpf1-W4sXqsF5w3M_Wf1MVdK404 )

CLIENT SPOTLIGHT

ActsCare Group saves a day a month on receipts with Budgetly

ActsCare Group case study (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5cyd5m_5PW69t95C6lZ3l0W3JDv1H6b31FxW6spBsg5sWl4tW6-2RrW8RKRmWW51xkCq8QNNy4W6tS6ys2r1qT4W6SckLk91SftWW4q5zVw1BX69QW6rbhsg62j-rVW9gbnSb1qK0BtW75YtW61GtV5qV6vJN18W47s8W5rP2hw65gyKvW6Bf7bX6mmbWzW1WH4TH3pdzr-TkLPB3B9WBqW1Q_GVv111kK-W5p2rR53s-yMGW32cp-v4Mmkn7W5wtlcn5DGxXlW6ngLmR1lZXKjW4W7qqQ4xkSQ8W2985R01pzX9SW1F8Lx36ykG6BW80C2pR1px_BGW59hJh68sK7TwW3bCfV-14y-LBW5RM8gd5sHv5rW4SbXbL8_khkgW929_zt4dkzfvW2_t_Bh5SD3WwW2Klg5D63Q2SNW38nsJy8Mv4vTMqyrcrPNNq1W6PkZ7N7BJkxCVcDBq111XVqSW9dnPjV4vz0fLf61mzF404 )

ActsCare is a registered NDIS provider in Toowoomba, Queensland. Support workers and other staff now upload receipts themselves, so the finance team no longer chases them and saves at least one full day a month.

READ STORY
(https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5cyd5m_5PW69t95C6lZ3l0W3JDv1H6b31FxW6spBsg5sWl4tW6-2RrW8RKRmWW51xkCq8QNNy4W6tS6ys2r1qT4W6SckLk91SftWW4q5zVw1BX69QW6rbhsg62j-rVW9gbnSb1qK0BtW75YtW61GtV5qV6vJN18W47s8W5rP2hw65gyKvW6Bf7bX6mmbWzW1WH4TH3pdzr-TkLPB3B9WBqW1Q_GVv111kK-W5p2rR53s-yMGW32cp-v4Mmkn7W5wtlcn5DGxXlW6ngLmR1lZXKjW4W7qqQ4xkSQ8W2985R01pzX9SW1F8Lx36ykG6BW80C2pR1px_BGW59hJh68sK7TwW3bCfV-14y-LBW5RM8gd5sHv5rW4SbXbL8_khkgW929_zt4dkzfvW2_t_Bh5SD3WwW2Klg5D63Q2SNW38nsJy8Mv4vTMqyrcrPNNq1W6PkZ7N7BJkxCVcDBq111XVqSW9dnPjV4vz0fLf61mzF404 )

RESOURCES & NEWS

How to Have the Cash Flow “Talk” With Your Leadership Team Without Causing Panic (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5cyd5m_5PW69t95C6lZ3kTW1qPjvW5vRnByW6XPcft3m259pW7vBN5W15kgwnW1PL9cK5cTtrXW1VZbjS1PD61PM4m5_pRlrLsVBLsvz95rDJrW10dXFR3RzmksW7w65x04SvkzLVKJwYm7-p-4pN4DP-4kXDLKCW2DkJzR6gH91CW2rbjg196v0McW8LbKg93kmbWQW2FlZJR6jf0RRW1PMJ609f_n9zW9lpTNw8M0C2QN3k1XRW50-xjN8nRQ_jB7h_JW2s7g2h3HhJSWW1GC_pQ1rClRJW20mGP_2cnvhCW4SZ7RX1QBGsfW4XyBXv7p-qCRW2rNb3Q6682P_W4W0Y9C3dNW3yW9dD_ST82_P8_W3NvMls2vXHpkN3rz8gcBtmvVW3r_D9H2G2FT3W8zkMhw359CvBW1f2D_h1yQMBKVxnMDF716C8VW4CjmrG8WTRxDW3D89hK5V144TW8FB4jp4CYr-nd_kT0C04 )

How to Have the Cash Flow “Talk” With Your Leadership Team Without Causing Panic

Cash flow conversations fail when they are softened too much, or when the raw number lands cold. Lisa Callaghan shares five practices for getting the truth across without causing panic.

READ MORE
(https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5cyd5m_5PW69t95C6lZ3kTW1qPjvW5vRnByW6XPcft3m259pW7vBN5W15kgwnW1PL9cK5cTtrXW1VZbjS1PD61PM4m5_pRlrLsVBLsvz95rDJrW10dXFR3RzmksW7w65x04SvkzLVKJwYm7-p-4pN4DP-4kXDLKCW2DkJzR6gH91CW2rbjg196v0McW8LbKg93kmbWQW2FlZJR6jf0RRW1PMJ609f_n9zW9lpTNw8M0C2QN3k1XRW50-xjN8nRQ_jB7h_JW2s7g2h3HhJSWW1GC_pQ1rClRJW20mGP_2cnvhCW4SZ7RX1QBGsfW4XyBXv7p-qCRW2rNb3Q6682P_W4W0Y9C3dNW3yW9dD_ST82_P8_W3NvMls2vXHpkN3rz8gcBtmvVW3r_D9H2G2FT3W8zkMhw359CvBW1f2D_h1yQMBKVxnMDF716C8VW4CjmrG8WTRxDW3D89hK5V144TW8FB4jp4CYr-nd_kT0C04 )

PRESS RELEASE

Former Xero executive Ian Boyd joins Budgetly as Chief Revenue Officer (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5cxY5m_5PW5BWr2F6lZ3m-VXDvTl2hvs2dW8WGFTM4pDwPXVMrLWd95RYshW1Mxkyl2GZNfyN5d96r0Zc43QW4mQ5P88L2YxgW5Bx8dg2drnC3W3wyW1t4Q0xFfW45Xzf78R0T2WN932HK3kzt7fW3j7dxH8p6b2_W5Y1cq85xvBnHW8ppjDD1bLpC_W4q4N-829h5P1W1mCMhf76YrVPVJ94j97CGkHHW6_W2_V5S4DHpW3Xvg3Z1zL0h5W1CTSLK8Gy21gW1Q5kRb6rtgdlW52v1fB7qnb0wW7m3cvD90SRDhVG-ydt1zppWlW12FBkR4XjKxwVLX4gV3PyjpWW8wq4dt81Q1y6Vq9z414lzXx6W6yqslD6NjJDzW6YTGB15tmwbLW1xj8r_7_ZRKCW4FMcv17Cz0HHW8HBc8B1jXXD3W5WXNs076kg4qW682Mj41d6zhZf8Z7Q_T04 )

Former Xero executive Ian Boyd joins Budgetly as Chief Revenue Officer

Budgetly has appointed Ian Boyd as Chief Revenue Officer. He joins from GoCardless and spent eight years at Xero, most recently as General Manager, Partnerships, APAC. Ian will lead revenue across go-to-market, marketing and partner growth, with a focus on accounting firms, bookkeepers and business advisors.

READ MORE
(https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5cxY5m_5PW5BWr2F6lZ3m-VXDvTl2hvs2dW8WGFTM4pDwPXVMrLWd95RYshW1Mxkyl2GZNfyN5d96r0Zc43QW4mQ5P88L2YxgW5Bx8dg2drnC3W3wyW1t4Q0xFfW45Xzf78R0T2WN932HK3kzt7fW3j7dxH8p6b2_W5Y1cq85xvBnHW8ppjDD1bLpC_W4q4N-829h5P1W1mCMhf76YrVPVJ94j97CGkHHW6_W2_V5S4DHpW3Xvg3Z1zL0h5W1CTSLK8Gy21gW1Q5kRb6rtgdlW52v1fB7qnb0wW7m3cvD90SRDhVG-ydt1zppWlW12FBkR4XjKxwVLX4gV3PyjpWW8wq4dt81Q1y6Vq9z414lzXx6W6yqslD6NjJDzW6YTGB15tmwbLW1xj8r_7_ZRKCW4FMcv17Cz0HHW8HBc8B1jXXD3W5WXNs076kg4qW682Mj41d6zhZf8Z7Q_T04 )

UPCOMING EVENTS

Visit us and catch Lisa on stage at The Business Show Australia

We’re exhibiting at The Business Show, 25-26 November at ICC Sydney. Come and visit us at Stand B558. Lisa Callaghan, Budgetly’s CFO, also joins the “Embedding AI Across the Value Chain” panel on 25 November, 12:00pm to 12:45pm at the Panel Theatre.

MORE INFO > (https://email.budgetly.com.au/e3t/Ctc/T+113/cFjWN04/VWm-xt37L8rvW7BKzG71yXMVmV9TLwZ5WY3QxN2C5czK3prCCW95jsWP6lZ3lJW4vQJ4k18PlcyW4mX4YW5ssyPGW2Zg17M700jt0W410p1F2HDPyFW565zzG6fSL0fW32WdW58BSB7GW5DR9wP6mXlb1W7lJWxx4YTVzXW1_T2ZG7Yzf09W80DYW1148xWgW75rhGy6qM4vmW33c-Wz5LDJ8hN5NFvLp2vZspW70MltN2FwHFcW1pcQ_987t6wKW26PCB818pyzyW8_Hz-17qh2GNW2Xp5sL540rfWW7GlPZG2z9GYCVQGN3n4TCWWCW4S5ySf14qlkNN56Sxv8RzzC-W1tM5DQ3zb-T5W7CMjVN2G1cTDW81h-Wm8KBy5QW8W3kf03TDqljVtqn6m6jbS9sW15R9zM21FnTlVLhGDh7BH9YwW8K5bB83tc3hVf1tQxgH04 )

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Accession

nse/budgetly/2026-11-03/6078

From

Felicity Robinson · felicity@budgetly.com.au

Sent

3 November 2026 · 22:00 UTC