Financial Fitness Blog — Financial Fitness Coaching

From IRS Debt to Financial Confidence: A Small Business Success Story

Paying off back taxes is more achievable than most business owners realize, and it often takes less time than you might think. With the right systems in place, you can pay off debt, raise your own pay, and make your business stronger all at once.

Read the blog to hear how one client paid off back taxes, doubled her cash on hand, and started paying herself consistently with the help of financial coaching with Financial Fitness Coaching.

Financial coaching isn't about taking the fun out of your money. It's about making sure your spending matches your values in a way that actually feels good, not restrictive or punishing, but intentional.

5 Money Management Tips Every Successful Adult Wishes They Learned at 18

Money touches nearly every adult decision we make, from career moves to marriage and retirement, yet most of us were left to figure it out through trial and error.

If we could change what we learned in school, here are five financial lessons everyone should have been taught, but weren’t.

Why Your Money Needs Less March Madness and More Strategic Planning

Financial “upsets” rarely materialize out of thin air. They come from expenses we knew were coming, just not exactly when, how much, or all at once — tax bills, spring break trips, and that strange noise the car’s been making.

Spring is the perfect time to regroup, zoom out, and make sure your financial plan can handle the busy months ahead.

Your Business Is Struggling: How to Know If It's Time to Walk Away

Every business hits a point where the money feels tight, the fun feels far away, and you start Googling things like “should I close my business” at two in the morning.

First, can we acknowledge how courageous you are for even asking this question? Most business owners would rather eat glass than admit they're considering closing up shop. But here you are, being honest with yourself. That takes guts.

You've Built Something Amazing. Now Make Sure It Outlasts You.

Will your business continue to support your family long after you’ve stepped away? Will it continue helping your community? Or will it simply fade away with your final invoice?

Let’s talk about making sure your business tells the story you want it to tell — now and years down the road.

Elder Care Planning: How to Support Aging Parents Without Derailing Your Retirement

You’ve probably heard the term Sandwich Generation before. It refers to people, often in their 40s and 50s, who are simultaneously caring for aging parents while still supporting their kids (financially, emotionally, and logistically). It’s a lot. And the weight of that caregiving can feel relentless, especially when the financial load starts adding up.

The choices you make today (yes, even that one you’ve been avoiding) will ripple out 20 to 30 years from now, for better or worse. This is where elder care financial planning becomes more than just another “thing you should probably think about someday.”

How Personal Finance Coaching Starts: Real Talk, Real Goals, Real Progress

We're not here to sell you investment products, make stock picks, or overhaul your 401(k). A financial coach is your financial accountability partner, educator, and cheerleader—all rolled into one vibrant, budget-loving human.

A financial coach is a trained professional who helps you take control of your finances by working with you to create realistic budgets, tackle debt, build savings, and develop healthy money habits. Unlike financial advisors who focus primarily on investments and wealth management, financial coaches dig into the nitty-gritty of your daily financial life.

We're the ones helping you figure out why you keep overspending and how to finally stick to that budget you've been meaning to create for the past three years.

New to Business Financial Coaching? Here’s What to Expect In Your First Session

At Financial Fitness Coaching, we take a fundamentally different approach to business financial coaching.

We believe that business finances and personal finances — as much as they need to be separated — are closely tied together. After all, your business is driving your personal finances, including the decisions you make with your money as well as how you feel about your money.

How to Build Wealth While Growing Your Small Business

Why, when you look at your personal finances, does it sometimes feel like there’s not much to show for it? This is one of the biggest frustrations I hear from my financial coaching clients. Driven, successful business owners making great money but still feeling like personal wealth building is stuck in neutral.

It’s not because you’re bad with money or because “you need to budget better.” (Ugh. Who wants to hear that?) It’s because building wealth as a business owner takes a different approach. The rules are a little different when you are the business. But with a few shifts, you can absolutely grow both your business and your personal wealth and feel great doing it.

Let’s talk about how.

6 Smart Money Strategies for Business Owners with Irregular Income

Have you ever checked your bank account and thought, "Wow, I'm rich!" only to remember all that money needs to last until... who knows when? Welcome to the rollercoaster of variable income.

As a financial coach working with successful entrepreneurs, I've seen firsthand how irregular cash flow can make even the most successful business owners break into a cold sweat.

Turn Slow Business Months Into Smart Business Moves This Summer

Slow seasons are part of the game. But that doesn’t mean you have to sit back and “ride it out,” crossing your fingers and hoping that business will pick back up in the fall. That’s not a strategy. It’s a gamble. But, if you play your cards right, summer can be one of the most strategic seasons for your business. It’s a chance to pause, pivot, and prepare for the future without the frantic pace of your busier months.

Am I Too Small to Need Systems? The Importance of Strategic Structures From Day One

When you wear seventeen hats and race to meet client deadlines, creating systems feels like a luxury reserved for businesses with fancy offices and HR departments.

But here's the truth bomb I'm dropping today: Your business is never too small for systems. In fact, the smaller your business, the more critical solid systems become.

Why Winging It Won’t Work: The Importance of a Business Plan in Your Success

A solid business plan is your roadmap to success, guiding your decisions and helping you stay on course.

Unfortunately, many entrepreneurs skip this step when establishing their business, thinking it’s just paperwork; however, a business plan is an essential tool that can make a significant difference in your company’s growth, funding opportunities, and overall success.

Funding a Small Business: How to Set Yourself Up for Success

Saving, finding investors, or taking a loan—how you choose to fund your small business depends on what’s right for you. With a solid financial plan in place, you can allocate your resources wisely, avoid unnecessary debt, and set your business on a sustainable path from the very beginning.

The Profit First Model: 6 Common Pitfalls and How to Avoid Them

Many people try Profit First on their own and hit some major roadblocks. And when it doesn’t work as expected, they’re left scratching their heads, wondering if it’s the system’s fault or theirs.

Here are the top six reasons people fail at the Profit First model on their own—and suggestions for how to dodge these pitfalls like a pro.

Financial Planning for Business: Is a Financial Coach Your Best Strategy?

Running a small business means wearing many hats, from overseeing operations and marketing to delivering exceptional customer service, all while keeping a close eye on finances.

However, for many small business owners, financial management can feel overwhelming or easy to push aside in the whirlwind of daily tasks. This is where financial coaching comes in.

How to Promote Your Small Business Without Spending a Fortune

Running a small business can feel like you’re constantly spinning in different directions. There’s always so much to do! Between managing clients, keeping up with your team, and ensuring everything is running smoothly, marketing can sometimes feel like a luxury you don’t have the budget for.

5 Things Your Accountant Wishes You Were Doing Now for Next Year’s Taxes

As fall rolls in and the leaves start changing, you might be thinking about cozy sweaters, pumpkin patches, and holiday plans. But your accountant? They’re thinking about taxes. Believe it or not, autumn is the perfect time to get ahead on tax prep, and your accountant definitely has a wishlist of things they wish you were doing now to make tax season less stressful.

From organizing paperwork to making smart financial moves, here are five things your accountant wants you to tackle before the year ends to set yourself up for a smooth tax season next year.

5 Tips on How to Have a Winning Hiring Strategy

Employees are the backbone of any business—they’re the driving force behind a business’ operations and long-term success. They’re trusted individuals who are skilled, creative, and dedicated, enabling a business to forge ahead, innovate, and grow.

As a small business owner, you know that the hiring process—knowing how, when, and who to hire—is a critical part of your business. Building the right workforce, at the right time, can strengthen the productivity and performance of your business, and ultimately help you to achieve your vision and goals.

Business Optimization: Know When and Why To Coast, Grow, and Pause

Just like life, businesses also go through phases that are influenced by various internal and external factors. Understanding these phases can be key to the sustained success and longevity of your business. Whether your business is in a coasting phase, growth phase, or pause phase, each phase serves a purpose in moving your business forward.

By recognizing and managing these phases, and moving intentionally through them, you can make the most of each phase and help to grow and evolve a successful, thriving business.

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