---
title: "Search Blog by Month - Sapience Financial"
description: "search our Sapience Financial archive of Blog Articles by month written"
url: "https://sapience.com.au/resources/search-blog-articles-by-month?layout=blog&start=108"
date: "2026-06-24T20:06:43+00:00"
language: "en-GB"
---

[ ![](https://sapience.com.au/images/blog/intro-three-high-stakes-risks-of-being-a-sole-trader-sapience-financial.jpg) ](https://sapience.com.au/blog/three-high-stakes-risks-of-being-a-sole-trader "Three high-stakes risks of being a Sole Trader") ##  [ Three high-stakes risks of being a Sole Trader ](https://sapience.com.au/blog/three-high-stakes-risks-of-being-a-sole-trader)

---

### Three high-stakes risks of being a Sole Trader

### Most people going into business for themselves cite a desire to provide more opportunities for their family and greater personal freedom.

But working for yourself involves more personal decisions, greater risks and depending upon your business structure, greater personal liability.

And if you're making this decision based simply on cost alone, this is the question you need to answer, ‘**What could possibly go wrong**?’

- [ small business ](https://sapience.com.au/all-tags/small-business)
- [ sole trader ](https://sapience.com.au/all-tags/sole-trader)
- [ Tradies ](https://sapience.com.au/all-tags/tradies)
- [ managing small business risks ](https://sapience.com.au/all-tags/managing-small-business-risks)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/blog/three-high-stakes-risks-of-being-a-sole-trader)

  [ ![young mother and here daughter](https://sapience.com.au/images/blog/intro-the-beginners-guide-to-thinking-about-setting-financial-goals-sapience-financial.jpg) ](https://sapience.com.au/blog/the-beginners-guide-to-thinking-about-setting-financial-goals "The beginner's guide to thinking about setting financial goals") ##  [ The beginner's guide to thinking about setting financial goals ](https://sapience.com.au/blog/the-beginners-guide-to-thinking-about-setting-financial-goals)

---

### Thinking about setting some financial goals this year?

### Sounds simple enough right? But simple doesn't always mean easy

When it comes to managing our personal debts and credit cards, savings and investing, many people are quick to look for a sequence of simple steps to follow (or a three-minute blog to read) to achieve what can usually be a complex outcome.

- [ moneyisms ](https://sapience.com.au/all-tags/moneyisms)
- [ goal setting ](https://sapience.com.au/all-tags/goal-setting)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/the-beginners-guide-to-thinking-about-setting-financial-goals)

  [ ![pink piggy bank wearing surgical face mask](https://sapience.com.au/images/blog/intro-how-to-restart-your-financial-life-during-a-covid-pandemic-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-restart-your-financial-life-during-a-covid-pandemic "How to restart your financial life during a COVID pandemic") ##  [ How to restart your financial life during a COVID pandemic ](https://sapience.com.au/blog/how-to-restart-your-financial-life-during-a-covid-pandemic)

---

### Goodbye 2020

### Now that 2020 is behind us, it's time to check in on the emotional and financial damage suffered by the millions of Australians affected by COVID-19.

Job losses for some, reduced work hours for others, still, others forced into early retirement - ready or not - many small businesses surviving one month at a time and families trying to make sense of lockdowns and restrictions - it’s safe to say there will be many COVID-19 flow on effects yet unseen.

We’ll all need to work through in some way.

- [ good mental health ](https://sapience.com.au/all-tags/good-mental-health)
- [ getback on track ](https://sapience.com.au/all-tags/getback-on-track)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive)

 [ Read more … ](https://sapience.com.au/blog/how-to-restart-your-financial-life-during-a-covid-pandemic)

  [ ![newspaper headlines check again, check again](https://sapience.com.au/images/blog/intro-can-your-family-get-your-money-back-from-your-business-if-its-director-or-owner-dies-sapience-financial.jpg) ](https://sapience.com.au/blog/can-your-family-get-your-money-back-from-your-business-if-its-director-or-owner-dies "Can your family get your money back from your business if it's Director or Owner dies?") ##  [ Can your family get your money back from your business if it's Director or Owner dies? ](https://sapience.com.au/blog/can-your-family-get-your-money-back-from-your-business-if-its-director-or-owner-dies)

---

### What happens when business owners use their own money in the business?

### Most small to medium business owners will tell you they went into business to provide for their family, in greater flexibility, time, increased resources, and leaving a legacy.

Like most long term plans, building a self sustaining business takes time; time to mature, time to stabilise in the market, and time to return the capital invested.

To achieve this, the majority of business owners use debt and overdraft facilities as ongoing business tools.

And these types of financial tools can quickly work against you and your family if you're unprepared.

- [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance)
- [ small business ](https://sapience.com.au/all-tags/small-business)
- [ total & permanent disability (TPD) ](https://sapience.com.au/all-tags/total-permanent-disability-tpd)
- [ directors loan account ](https://sapience.com.au/all-tags/directors-loan-account)
- [ business debt protection ](https://sapience.com.au/all-tags/business-debt-protection)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/blog/can-your-family-get-your-money-back-from-your-business-if-its-director-or-owner-dies)

1. [ It's been a tough year… there have been some tough learnings](https://sapience.com.au/blog/its-been-a-tough-year)
2. [ Can you still get life insurance living with a mental illness diagnosis?](https://sapience.com.au/blog/can-you-still-get-life-insurance-with-mental-illness)
3. [ How to leave an inheritance to your Grandchildren, but not your adult children](https://sapience.com.au/blog/how-to-leave-an-inheritance-to-your-grandchildren-but-not-your-adult-children)
4. [ Are you remarried with adult children from a past relationship?](https://sapience.com.au/blog/are-you-remarried-with-adult-children-from-a-past-relationship)
5. [ What you can't give away in your Will and why?](https://sapience.com.au/blog/what-you-cant-give-away-in-your-will-and-why)
6. [ How to start the talk about money with your parents without being a jerk](https://sapience.com.au/blog/how-to-start-the-talk-about-money-with-your-parents-without-being-a-jerk)
7. [ What is an account based pension and why should I care?](https://sapience.com.au/blog/what-is-an-account-based-pension-and-why-should-i-care)

### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business)

 Page 28 of 73

## Schema

```json
{
    "@context": "https://schema.org",
    "@type": "BreadcrumbList",
    "itemListElement": [
        {
            "@type": "ListItem",
            "position": 1,
            "name": "Home |",
            "item": "https://sapience.com.au"
        },
        {
            "@type": "ListItem",
            "position": 2,
            "name": "Search Blog by Month",
            "item": "https://sapience.com.au/resources/search-blog-articles-by-month"
        }
    ]
}
```