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In this final episode of Season 2, I’m sharing a 90-day reset plan designed to take you from financial chaos to clarity—step by step.

I’m Deb, a Profit First Professional and founder of The Accounts Ladies, and I know how overwhelming it can feel when your finances are out of sync with your goals. That’s why I’ve created a structured, achievable roadmap to help you take back control—without the stress or guesswork.

This 90-day plan will help you:

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• Track income and expenses with intention
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• Set up Profit First allocations for business and personal finances
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• Calculate your break-even points
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• Revisit pricing, review spending, and optimise for profit
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• Establish consistent owner’s pay and address debts with clarity
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If you’re ready to feel confident about your numbers and create a business that truly supports your lifestyle, this is your starting point.

About the Episode:

This concluding episode of the Financially Healthy Business Podcast – Season 2 brings together everything we’ve explored into one clear, actionable system.

Whether you’re just starting out or rebuilding from a tough season, I guide you through a practical 90-day approach to stabilise your cash flow, reduce stress, and build real momentum. The goal isn’t perfection—it’s progress.

From daily money habits to bigger picture planning, this episode is your invitation to stop feeling overwhelmed and start making empowered financial decisions.

💡 Ready to reset your finances?Takeaways:

• In this episode, we emphasize the importance of establishing financial clarity to alleviate the chaos that often accompanies business management.
• The 90-day reset plan presented herein serves as a structured roadmap for achieving financial stability and growth in one's business.
• We advocate for the methodical tracking of income and expenses over a thirty-day period to gain insightful awareness of financial patterns.
• Our discussion underscores the necessity of setting consistent financial goals that align with one's overarching business objectives and personal aspirations.

Links referenced in this episode:

• theaccountsoffice.co.uk
• financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• Financially Healthy Business

In this episode, we explore the three critical roles every business owner must master: the CEO, the CFO, and the technician.

I’m Deb, a Profit First Professional, and I often see entrepreneurs pouring all their energy into the technician role—doing the work, delivering the service—while neglecting the financial and strategic responsibilities that truly drive growth and sustainability.

This episode is your invitation to step back and evaluate how you’re spending your time. Are you leading your business, managing your finances, and delivering your service—or just surviving in the daily grind?

We’ll break down what each role really involves, and I’ll give you practical tools to start balancing your time and attention across all three—so your business can support the life you want, not drain it.

About the Podcast:

This episode of the Financially Healthy Business Podcast dives into one of the biggest barriers to sustainable success: role imbalance.

I guide you through:

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• What it means to act as the CEO (vision, strategy, alignment)
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• The true responsibilities of the CFO (cash flow, financial planning, oversight)
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• How to stay effective as the technician—without getting stuck in it
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You’ll learn how to spot where you’re overinvested, what’s missing, and how to build a weekly routine that honours all three roles. Because running a successful business means more than delivering your product—it means leading, planning, and protecting your financial future.

In just 15–20 minutes, this episode helps you move from doing to directing, with greater clarity, control, and calm.

Lead like a CEO. Think like a CFO. Deliver like a pro.

Takeaways:

• The podcast emphasizes the necessity for business owners to wear three essential hats: the CEO, the CFO, and the technician, each contributing to the overall financial health of the business.
• To avoid financial chaos, I must allocate time for strategic thinking as a CEO, even if it is just thirty minutes per week, to set clear goals for my business.
• Balancing the roles of CEO, CFO, and technician is crucial; neglecting any one role can lead to significant challenges in business sustainability.
• A practical action step includes dedicating one hour weekly to focus solely on my CFO responsibilities, thus ensuring I am actively managing my financial health.
• Understanding my financial roles can illuminate my path as a business owner and facilitate informed decision-making that supports my long-term vision.
• It is vital to regularly check key financial metrics, such as profit margins or cash flow, to maintain clarity and control over my business's financial status.

Links referenced in this episode:

• www.financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Profit First
• Accounts Ladies
• Accounts Office Academy
• Financially Healthy Business Podcast

In this episode, we bring the Profit First mindset home—literally.

I’m Deb, a Profit First Professional, and I’m here to show you how the same principles that build financially healthy businesses can also transform your personal finances. By creating a simple, intentional structure around your income, you can reduce stress, take control, and start building a life with clarity and confidence.

We’ll explore a powerful three-part approach to personal budgeting, dividing your money into:

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3. Essentials – what you need to live well
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7. Enjoyment – what brings you joy and fulfilment
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11. Future savings – what protects and empowers your future
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Because when you treat your personal finances with the same care as your business, you create space for both freedom and stability.

About the Podcast:

This episode of the Financially Healthy Business Podcast flips the script—applying business-level strategy to everyday money decisions.

I share how you can take control of your personal income using a simplified Profit First approach, helping you ditch the overwhelm and gain peace of mind. We look at:

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• The mindset shift from chaos to clarity
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• How to set up a personal allocation system
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• Why intentional spending is just as important as saving
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You’ll come away with a practical structure for managing your money—and a new sense of ease when it comes to making financial decisions at home.

With 15–20 minute episodes that are clear, practical, and empowering, this series helps you take control of your finances—in business and in life.

Manage your money. Reduce your stress. Fund the life you want.

Takeaways:

• This podcast emphasizes the necessity of managing personal finances with the same discipline as business finances.
• Listeners are encouraged to allocate their income into three distinct categories for better financial management.
• The 'Profit First' methodology can be effectively applied to personal budgeting for greater peace of mind.
• Establishing separate accounts for essentials, fun, and savings can alleviate financial stress and guilt.
• The host shares personal experiences to demonstrate how structured budgeting leads to reduced financial anxiety.
• The episode concludes with an invitation to explore further financial roles in the upcoming discussion.

Links referenced in this episode:

• accountsoffice.co.uk
• financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy

n this episode, we explore a crucial but often avoided question: When is it time to raise your prices?

I’m Deb, a Profit First Professional, and I’m here to help you recognise the signs that it’s time to re-evaluate your pricing—whether it’s due to rising costs, increased demand, or simply the fact that your skills and value have grown.

You’ll learn how to assess your current pricing model through a structured, annual review process that considers expenses, income goals, and market shifts. I’ll also share how to approach price increases with confidence, and how to communicate changes clearly to clients—without guilt or second-guessing.

Because understanding your worth—and charging for it—is key to building a business that’s financially healthy and personally sustainable.

About the Podcast:

This episode of the Financially Healthy Business Podcast dives into the strategy and mindset behind raising your prices—and doing it in a way that aligns with both your financial needs and your value.

I share:

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• Signs it’s time to review your pricing
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• How to calculate what you should be charging
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• Scripts and tips for handling pricing conversations with clients
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We’ll also tackle the psychological blocks that hold so many business owners back from taking this vital step—and offer you practical tools to overcome them.

Each 15–20 minute episode is designed to give you clarity, confidence, and control over your finances—so your business can fund your life, not just fill your calendar.

Review your pricing. Own your value. Charge with confidence.

Takeaways:

• Effective management of pricing is crucial for business sustainability and profitability.
• Business owners must regularly assess their pricing strategies to ensure they reflect current costs.
• Clear communication regarding price increases is essential to maintain client trust and relationships.
• Understanding one's value and expertise is fundamental when contemplating a price raise.
• It is advisable to implement incremental price increases rather than drastic changes to minimize client loss.
• Raising prices should be framed around the value provided to clients, ensuring justifications are clear.

Links referenced in this episode:

• financiallyhealthybusiness.co.uk
• financially healthy business.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• Financially Healthy Business

In this episode, we’re talking about a financial metric that’s far more important than your turnover—profit margins.

I’m Deb, a Profit First Professional, and I want to reframe your thinking: it’s not how much you earn, it’s how much you keep that counts. Too many business owners focus solely on sales and revenue targets, while their actual profit—what supports their life—is shrinking behind the scenes.

You’ll learn how to calculate your profit margin, what it tells you about your business, and how to improve it through smarter pricing, leaner costs, and strategic decision-making. Because revenue might be flashy, but profit is what pays you.

About the Podcast:

This episode of the Financially Healthy Business Podcast shines a light on a crucial but often overlooked topic—profit margins—and why they matter more than most business owners realise.

I break down the essentials:

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• What your profit margin actually is (and how to work it out)
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• How to assess whether your pricing supports your lifestyle
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• Practical ways to reduce costs without compromising quality
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You’ll hear relatable examples and leave with actionable steps to boost your profitability, reduce stress, and make sure your business is working for you, not against you.

In just 15–20 minutes, this episode gives you clarity, confidence, and the tools to run a business that supports your goals—and funds the life you want to lead.

Prioritise profit. Protect your peace. Build something sustainable.

Takeaways:

• The podcast emphasizes the importance of profit margins over mere sales figures for business sustainability.
• Listeners are encouraged to calculate their profit margins to gain better financial awareness and control.
• It is crucial to understand that profit is what compensates business owners, not sales volume or turnover.
• The episode discusses strategies for improving profit margins, including cost reduction and price increases.
• Profit margins provide essential financial flexibility, allowing business owners to maintain stability and growth.
• The episode concludes with a reminder that businesses should be designed to support a fulfilling life, not merely to exist.

Links referenced in this episode:

• financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• Financially Healthy Business

In this episode, we’re clearing up a costly confusion: the difference between owner’s pay and director’s loans.

I’m Deb, a Profit First Professional, and I’m here to help limited company owners avoid a common financial trap—treating business money like personal cash. Blurring the line between your compensation and ad hoc withdrawals can lead to tax headaches, financial instability, and HMRC issues.

We’ll unpack what constitutes proper owner’s pay, when a director’s loan is appropriate, and how to build a structured, sustainable system that ensures you’re paid consistently and fairly. Because the goal isn’t just to grow a business—it’s to build one that pays you properly and supports your lifestyle.

About the Podcast:

This episode of the Financially Healthy Business Podcast focuses on an essential principle: keep your finances clean, clear, and intentional.

I’ll explain why confusing personal income with business funds puts you at risk—not just financially, but emotionally too. We’ll cover:

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• The purpose and risks of director’s loans
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• Why a regular pay structure matters
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• How to track, manage, and separate your income streams
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You’ll walk away with the clarity to set up smarter systems and the confidence to handle your pay like a real business owner—not like a bank account with a blurred boundary.

With just 15–20 minute episodes, this podcast helps you take back control of your business finances—so you can lead with purpose, profit, and peace of mind.

Pay yourself properly. Protect your business. Lead with clarity..

Takeaways:

• Establishing a consistent owner's pay is essential for maintaining clear financial boundaries between personal and business finances.
• Understanding the distinction between owner's pay and director's loans is crucial to avoid potential tax complications.
• Failing to manage director's loans responsibly can lead to unexpected tax liabilities and financial stress for business owners.
• Regularly consulting with an accountant can provide invaluable guidance in setting up a sustainable owner's pay system.
• Implementing a structured approach to personal withdrawals from the business can enhance both financial clarity and confidence.
• Prioritizing intentionality in how we pay ourselves fosters a healthier relationship with our business finances.

Links referenced in this episode:

• www.health.financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• HMRC

In this episode, we explore how to grow your business without being buried in debt.

I’m Deb, a Profit First Professional, and I want to shift the conversation around borrowing. Debt isn’t always the enemy—but it’s not a quick fix either. Used well, it can help you scale. Used poorly, it can trap you in a cycle of stress and instability.

We’ll walk through a structured framework to help you evaluate whether a debt decision is truly strategic—focusing on investments that increase capacity, boost profit, or strengthen your long-term sustainability. This episode is a call for financial clarity, so you can grow with confidence, not chaos.

Because your business should fund your life—not consume it.

About the Podcast:

This episode of the Financially Healthy Business Podcast is for entrepreneurs who want to grow smart, not just fast.

I break down the difference between productive debt and problematic debt, and share practical criteria for making borrowing decisions you won’t regret. You’ll learn how to avoid panic borrowing and how to assess whether the investment will actually generate a return.

We talk about building a business that’s financially solid from the inside out—and how fostering community, clarity, and confidence is just as important as chasing revenue.

In 15–20 minutes, this episode gives you a financial health check and a decision-making lens that will serve you for years to come.

Plan wisely. Grow sustainably. Lead with confidence.Takeaways:

• The podcast emphasizes the necessity for business owners to maintain control over their finances, thereby reducing stress and fostering sustainable growth.
• Strategically utilized debt can serve as a beneficial tool for business expansion, provided it generates a return on investment.
• Business owners are urged to develop a written repayment plan for any incurred debts to ensure clarity and accountability in financial management.
• Establishing a contingency fund, no matter how modest, can prevent the need for desperate borrowing during financial challenges.
• It is crucial for entrepreneurs to assess whether their debts have fostered genuine growth or merely covered operational gaps, which can clarify future financial strategies.
• The importance of planning over panic is highlighted, as careful financial planning is essential for successful business growth.

Links referenced in this episode:

• financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• Financially Healthy Business