Untangling the Mess: How to Separate Your Business & Personal Finances and Actually Start Measuring Your Success
Jun 27, 2025
If you’re a woman entrepreneur juggling sales, clients, bills, and… wait—was that Target run for your business or your life? You’re not alone.
Too many brilliant women are growing businesses with finances that are all tangled up. Money flows in and out, but clarity? That’s missing.
You can’t build real wealth—or a sustainable business—when you don’t know what’s going where.
Let’s be honest:
- You think you’re making money, but you’re not sure how much.
- You want to feel confident, but the numbers feel messy and overwhelming.
- And KPIs? You’ve heard the term, but you’re not exactly sure what to measure or why it matters.
So let’s start there.
What Even Is a KPI?
A KPI (Key Performance Indicator) is a measurable number that shows how your business is doing. Think of it like a GPS: it tells you if you’re moving toward your goals—or off course.
Here are a few simple KPIs you can start tracking (without needing a finance degree):
- Monthly Revenue: How much money is coming in from clients, products, or services?
- Net Profit Margin: How much of that money you actually keep after expenses. (Revenue - Expenses = Profit)
- Client Acquisition Cost: How much are you spending to get each new customer?
- Cash Flow: Are you consistently bringing in more than you’re spending?
- Owner’s Pay: Are you consistently paying yourself—or just taking leftovers when they exist?
Cash Flow Isn’t Just a Buzzword.
Cash flow is simply the movement of money in and out of your business. Healthy cash flow means you have enough money at the right time to cover expenses and still grow. If you’ve ever felt the anxiety of waiting for a client payment while bills pile up—that’s a cash flow problem. And you deserve better.
A key solution? Building a cash float—aka a cushion of money that sits in your business account so you’re not scrambling every month. Think of it as your financial breathing room. Even one or two months of operating expenses set aside can completely change how you make decisions—from a place of confidence, not panic.
But How Do You Get There? It starts with separating your business and personal finances. This isn’t just a boring admin task—it’s one of the most empowering moves you can make as a business owner.
Here’s what I help my clients do as their financial coach and CFO in their pocket:
โ Open dedicated business checking + savings accounts
No more mixing groceries with graphic design tools. You’ll know exactly what your business earns, spends, and needs.
โ Create a consistent owner’s pay plan
You deserve a paycheck—not random transfers when the account looks “okay.” We’ll set up a system so you get paid predictably and sustainably.
โ Set up a money management system that actually works for you
No more “winging it.” We’ll use a structure that helps you allocate money for taxes, expenses, owner pay, and profit—without the guesswork.
โ Forecast your revenue & expenses like a CEO
Forecasting means planning what’s coming in and what’s going out based on past trends and future goals. It’s the secret to avoiding surprise tax bills or “feast-or-famine” cycles.
โ Start tracking what really matters
We’ll set up simple KPIs—tailored to your business—to help you measure what’s working and what’s not, so you can focus on what grows your business and ditch what drains it.
And Let’s Talk About Wealth
Once your finances are untangled and your cash flow is stable, that’s when you can truly start to build wealth from your business.
That means:
โ Investing in the right retirement accounts (yes, even as a solo founder!)
โ Understanding the difference between saving vs. growing your money
โ Creating a long-term plan that aligns with your vision and values
Because let’s face it—you didn’t start your business to live invoice-to-invoice. You started it for freedom, impact, legacy… and that starts with financial clarity.
You Don’t Have to Figure This Out Alone.
As a financial coach and former investor, I help women entrepreneurs like you transform their relationship with money—without shame, without spreadsheets that make your eyes glaze over.
Together, we’ll untangle your finances, give every dollar a job, and build a business that supports the life you actually want.