Do you really need a credit card to build a good score?

Does Afterpay actually affect your credit?

And does your credit score even matter?

In this episode of Plant. Grow. Reap., finance experts Steve Lake (National Lending Group) and Amanda Byrne (Aintree Group Finance) break down the most common credit score myths they hear from borrowers every day.

If you’re thinking about applying for a loan in the next 6–12 months, this is one you don’t want to miss.

In this episode, we cover what credit scores are, how they actually work, how to get a better credit score - and the benefits when you have a good credit score.

Get informed, get prepared, and set yourself up for success.

Connect with Steve: https://www.linkedin.com/in/stlake/

Connect with Amanda: finance@aintreegroup.com.au

Book a Finance Consultation: https://aintreefinance.com.au/book-a-consultation

AI is your intern, not your replacement!

In this episode, Chelsea is joined by Monica Marquez from Flipwork — a specialist in change management, culture, people and technology — to unpack what it really means to integrate AI into businesses the right way.

They challenge the outdated idea that effort equals success, exploring how impact — not busyness — is the new measure of meaningful work. Monica introduces a powerful reframe: AI isn’t a threat — it’s your intern. When trained well, AI can support teams, reduce friction and make work easier, not replace human expertise. Spending less time on repetitive tasks isn’t cutting corners; it’s creating space to apply your uniquely human skills where they matter most.

The conversation explores what successful AI adoption looks like in practice, where organisations often get stuck, and why some initiatives thrive while others fail — including real-world examples from companies like IKEA.

Reach Out FlipWork: https://www.flipwork.ai/

Connect with Monica: https://www.linkedin.com/in/themonicamarquez/

This episode of Plant Grow Reap is a must-listen for all employers, Directors and business owners.

Payday Super is taking effect from 1 July 2026. Chartered Accountant and Aintree Group Manager Trung Le breaks down the key items you should be across, and the steps you can take to be the most prepared and proactive ahead of the rollout of these rules - including doing a practice payrun.

Payday Super Resources:

• https://aintreegroup.com.au/insights/payday-super-update/
• https://www.ato.gov.au/businesses-and-organisations/super-for-employers/payday-super

If you need assistance with your payroll or superannuation obligations, you can reach out via our website: aintreeaccounting.com.au.