The Hidden Cost of Avoiding Your Invoices and the Untapped Potential of Getting It Right

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Ask any small business owner what they love most about their work, and you’ll hear about their passion for their craft, their customers, or the freedom of being their own boss. What you probably won’t hear is:

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"I love chasing invoices and making sure every penny owed to me is collected on time."

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For some, sending invoices and following up on payments feels like a necessary evil; an admin task that takes time away from more meaningful work.

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For others, it’s something they actively avoid, whether from discomfort, fear of seeming “too pushy,” or simply because money isn’t their main driver.

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But not everyone struggles with this. Some business owners are highly disciplined about invoicing and cash collection. They set clear payment terms, follow up rigorously, and maintain a steady cash flow. So, does that mean they have nothing to gain from examining their money mindset?

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Not necessarily.

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Two Sides of the Money Mindset Coin

If You Avoid Invoicing and Chasing Payments…

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If you regularly delay sending invoices, fail to follow up on overdue payments, or undercharge for your work, it’s worth asking:

• Am I undervaluing my time and expertise?
• Do I worry that enforcing payments will damage client relationships?
• Does my approach to money reflect deeper beliefs about success, security, or self-worth?

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The risk of this mindset is clear: inconsistent cash flow can create financial stress, limit your growth, and even affect your confidence in running your business.

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If this is you, then consider how you can shift your perspective and build a system that supports you, without forcing you to become someone you’re not.

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If You’re Already on Top of Your Billing and Cash Collections…

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For those who have strong financial habits, there’s still an opportunity to take things further:

• Are you using your healthy cash flow to invest in long-term growth?
• Do your financial processes support your broader business and life goals?
• Could you refine your pricing strategy to better reflect your value and market positioning?

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Sometimes, a highly disciplined approach to money can create blind spots of its own. Like being overly cautious with investment, missing opportunities for strategic growth, or becoming so focused on numbers that other priorities, like wellbeing or work-life balance, get overlooked.

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If this is you, remember that there's always room to optimise what is already working.

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The Real Opportunity: Aligning Money With Your Vision

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Whether you struggle with billing or have mastered your cashflow, your relationship with money shapes your business in ways you might not even realise. The real question isn’t just whether you’re getting paid—it’s whether your financial habits are truly supporting the business and life you want to create.

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Curious about what that could look like for you? Let’s start the conversation.

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