Episode 11

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Published on:

16th Oct 2025

Achieving Financial Clarity: A 90-Day Roadmap for Business Owners

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:




  • Track income and expenses with intention



  • Set up Profit First allocations for business and personal finances



  • Calculate your break-even points



  • Revisit pricing, review spending, and optimise for profit



  • Establish consistent owner’s pay and address debts with clarity


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:


Companies mentioned in this episode:

  • Accounts Ladies
  • Accounts Office Academy
  • Financially Healthy Business
Transcript
Speaker A:

Foreign Healthy Business Podcast for business owners who want the confidence on cash flow that supports the life they actually want to live.

Speaker A:

I'm Deb Halliday, Profit First Professional founder of award winning accountancy practice the Accounts Ladies and the Accounts Office Academy and author of how to Build a Financially Healthy Business.

Speaker A:

Learn how to take control of your finances, reduce stress and grow sustainably because your business should support your life, not consume it.

Speaker A:

Let's get Started welcome to the final episode of Season two of the Financially Healthy Business Podcast.

Speaker A:

I'm Deb Halliday and today we're bringing everything together with a 90 day plan to move from financial chaos to clarity.

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If your finances feel overwhelming, don't panic.

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You don't need to fix it all at once.

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Just follow this mini roadmap to get a good start.

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Here's your 90 day reset plan.

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Get clarity.

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Track income and expenses for 30 days.

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Set up your profit first pots, business and personal.

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Calculate your break even point like we discussed in episode one month 2.

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Create stability.

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Set consistent owners.

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Pay as we covered in episode 6.

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Tackle personal or business debt with intention.

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Audit your pricing and expenses to cut the fat, optimise and grow.

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Forecast cash flow for the next 30 days.

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Improve profit margins like in episode 7.

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Set goals for the next quarter.

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Each step builds confidence, each win gives you momentum.

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Start small, maybe just track expenses this week.

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Download the full 90 day planner from theaccountsoffice.co.uk and get started today.

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You don't need to do more, you just need to do what matters.

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Thanks for joining me in Season two.

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Here's to clarity, control and confidence in your business.

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I'll see you in Season three.

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Thanks for tuning in to the Financially Healthy Business Podcast.

Speaker A:

If today's episode helped you take a step closer to building a business that supports your life, share it with a fellow business owner, follow the show or leave a review.

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It all helps to get the message to the people that need it.

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For further Support, head to www.financially healthy business.co.uk to find out more information on my online coaching program.

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You didn't start your business just to survive.

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You started it to thrive.

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Till the next time.

Listen for free

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About the Podcast

The Financially Healthy Business Podcast
Stress Less and Pay Yourself More!
Welcome to The Financially Healthy Business Podcast with Deb Halliday—Profit First Professional, founder of the award-winning accountancy practice The Accounts Ladies, and author of How to Build a Financially Healthy Business.

This show is for business owners who are ready to stop winging it with their finances and start building a business that genuinely supports the life they want to live.

Each episode follows a chapter of Deb’s book, guiding you through the step-by-step journey from financial confusion to clarity, control and confidence. You’ll learn how to organise your cash with the Profit First method, stabilise your personal and business finances, strip out wasteful expenses, price your services for sustainable profit, and align your business with your personal lifestyle goals.

This podcast is more than just numbers. It’s about helping you:
Pay yourself consistently
Eliminate personal and business debt
Plan for tax and set up for long-term success
Grow without burnout
Make confident financial decisions
Create a business that gives you freedom, not stress

Whether you’re just starting out or years into running your own business, this podcast will equip you with practical tools, relatable stories, and the mindset shifts needed to build a business that funds your goals—not one that drains them.

Get ready to take back control of your finances and build a business that pays you in more ways than one.



Helpful links:

Download free resources, join the 5-day challenge, or explore Deb’s book at

www.howtobuildafinanciallyhealthybusiness.co.uk



Find out more about The Accounts Office Academy:

www.theaccountsoffice.co.uk

Connect with Deb:

www.debhalliday.co.uk

About your host

Profile picture for Deb Halliday

Deb Halliday