
Tired of the Financial Rollercoaster? Stop Guessing and Start Taking Control of Your Business Finances
Oct 3, 2024
4 min read
1
6
0

You have worked hard all month, and then the bills roll in. And you wonder if there will be enough to pay them. The stress of the unknown, guessing, and hoping is exhausting. This financial rollercoaster is a common struggle for small business owners. Fluctuating income or seasonal changes can make you panic when money runs low. And if finances aren't being looked at or tracked, it can feel like chaos.
But what if you could transition from financial uncertainty to financial control? Picture the relief of understanding your monthly financial needs - income and expenses. You have a clear revenue target, and all expenses are estimated. You are prepared in advance for a slow month or season. This shift is not just a possibility; it's a reality waiting for you.
The Exhaustion of Financial Uncertainty
Every month feels like a financial rollercoaster. Some days, you're making high sales and feeling great; the next, you wonder how you will cover all expenses. A fluctuating income makes it harder to budget, especially if there are many ups and downs. You find yourself being reactive - hustling when money gets too low for comfort, working over to make up for overspending, making impulse purchases, etc.
You may feel stressed about a big expense that could be looming, like a car repair, a new water heater, or something medical. You feel frustrated that you're working harder but can't seem to get ahead. Sleepless nights can make work days feel longer and harder, leading to burnout. You may put a lot of pressure on yourself to figure it all out on your own, leading to self-doubt.
How Guessing Hurts Your Business Growth
When you are constantly focused on making enough to get through the month, it's nearly impossible to make strategic decisions for your business, consider scaling, invest in new opportunities or resources, or even take a real break.
Say you have been considering hiring a virtual assistant (VA) but have yet to do it because you're worried you can't afford it. So you continue doing all the work, stretching yourself thin. You think about how much it could help you to have a VA by taking a few things off your plate and how much more productive you could be or take on that new project you've wanted to start. But you can't decide; the lack of financial clarity keeps you stuck, and that is not a fun place to be, especially when it comes to your business.
Replace hiring a VA with anything else you want:
Taking a dream vacation.
Funding an emergency savings account.
Starting a retirement fund.
Hiring your first employee.
Investing in training.
Creating new products.
Purchasing new equipment.
Fill in the blank.
The Power of Taking Control of Your Finances
Now, imagine this: You're sitting down for your weekly review of your finances. Instead of feeling anxious, you feel calm. You know what money has come in and what's gone out. You can now make decisions for your business based on facts; no more guessing. This newfound financial control brings a sense of freedom and peace of mind.
When you have financial clarity, meaning you understand your cash flow and where you stand financially, you can be more confident in your decisions for your business and personal finances. Want to hire that VA? Now you have a clear picture and can determine if hiring a VA is right for you at this time. Want to plan for a trip where you can completely unplug from work? Now, you can be proactive in making decisions for your business that will allow you that freedom and opportunity. You are giving yourself choices.
Stress and anxiety can consume us and keep us stuck. With less financial stress, you can now focus your energy on other areas of your life and business. Create a better work-life balance. Start planning the next phase of growth. Start saving for retirement. Go to that training you have been wanting to attend. Spend quality time with your family and friends, really being present.
The Essential Shift You Need to Make
The good news is that taking control of your money doesn't require a massive overhaul or complex spreadsheets. The key to gaining financial control is a shift in your mindset and behaviors. Here are some examples of thoughts that could be holding someone back from making financial progress:
You don't try to learn because you're not good with money.
You grew up seeing others struggle with debt, so debt is inevitable.
You're not saving for retirement because "that's years away."
You don't have an emergency fund because you'll figure it out when something happens.
Working excessive hours is just part of being an entrepreneur, so you don't try to figure out why (pricing model, inefficient processes, etc.).
But it doesn't have to be this way. You have the opportunity to transform the way you think about money. Are you using it as a tool to achieve your goals? This shift in mindset can inspire new possibilities and open doors to financial success.
Next Steps You Can Take
You’ve worked hard all month, only to feel the stress of bills and wonder if there will be enough to cover them. The financial rollercoaster is exhausting, but it doesn’t have to be your reality. Imagine transitioning from uncertainty to control—knowing exactly what you need each month, with a clear revenue target, and being prepared for any slow seasons. This shift isn’t just a dream; it’s within reach, ready to bring you the financial peace of mind you deserve.
This is one of the things I help my clients with when we work together one-on-one. In my Cash Flow Control coaching program, I help my clients figure out the best plan for them. I'm taking all the guesswork out of the equation, and we are working together to streamline their process to get there in the quickest and least stressful way possible.
You don't have to stay stuck on the financial rollercoaster. The calm, confident control you've been craving is within reach. If you're ready to stop guessing and start growing your business confidently, let's talk about how to make it happen.
Reach out by email (jessica@moneycoachjessica.com) or schedule a 20-minute Q&A call. I'd love to hear more about what you're experiencing and see how I can offer some insights or next steps.

Transforming Financial Chaos into Clarity, Stress into Strategy