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Xero Small Business Insights

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Data & Insights

XSBI: Are interest rate or income tax cuts benefiting small businesses yet?

Oct 31, 2024

Data & Insights 4 min read

Cuts to official interest rates and income taxes have begun in some countries, with some hoping the changes would help boost consumer spending. Unfortunately, this doesn’t seem to be the case yet for small businesses, according to the latest Xero Small Business Insights (XSBI) data. What cuts have happened? Central banks have been busy in...

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Oct 31, 2024 4 min read

Data & Insights 2 min read Oct 3, 2024

What new XSBI data tells us about North American small businesses

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Oct 3, 2024 2 min read

Data & Insights 4 min read Aug 7, 2024

Missing out on sales? You’re not alone

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Aug 7, 2024 4 min read

Data & Insights 3 min read Jun 12, 2024

How does productivity in your industry or region stack-up?

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Jun 12, 2024 3 min read

Data & Insights 3 min read Apr 10, 2024

What is labour productivity and how does it impact your business?

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Apr 10, 2024 3 min read

Data & Insights 3 min read Mar 5, 2024

Facing challenges in your small business? XSBI data shows you’re not alone

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Mar 5, 2024 3 min read

Data & Insights 3 min read Dec 7, 2023

Economic trends to help your business plan for 2024

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Dec 7, 2023 3 min read

Data & Insights 3 min read Nov 23, 2023

Three things we learnt about small business from the latest XSBI data

Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall Nov 23, 2023 3 min read

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Louise Southall

<img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full lazyload" data-src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600/600;"><noscript><img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Louise-600x600-1.jpg" alt="Louise Southall">

Louise Southall May 31, 2023 3 min read

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luis sanchez castillo

<img class="w-10 rounded-full" src="https://blog.xero.com/wp-content/uploads/2024/04/Luis-Sanchez-Castillo-600x600-584239f.jpg" alt="luis sanchez castillo">

Luis Sanchez Castillo Apr 3, 2022 4 min read

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