Small Business Budget: First 90 Days
Small Business Budget: First 90 Days. We’ll build a routine that takes minutes and compounds into real progress.
Your cashflow is the engine; a payoff plan is the steering. Without both, interest wins by default.
Steps
- Weekly review — Spend ten minutes each week to recategorize, check upcoming bills, and adjust one thing.
- Quarterly tune‑up — Revisit insurance, phone plans, and subscriptions; big wins hide in boring places.
- Map cashflow — List income dates and fixed bills so you know exactly when money arrives and leaves.
- Automate transfers — Schedule savings and debt extra the day after payday so progress happens by default.
- Bucket spending — Group variable expenses into a few buckets (groceries, transport, fun) so tracking stays lightweight.
Why weekly review? Spend ten minutes each week to recategorize, check upcoming bills, and adjust one thing. This changes the game by making the decision once, then letting your system run even when life gets chaotic.
Why quarterly tune‑up? Revisit insurance, phone plans, and subscriptions; big wins hide in boring places. This changes the game by making the decision once, then letting your system run even when life gets chaotic.
Why map cashflow? List income dates and fixed bills so you know exactly when money arrives and leaves. This changes the game by making the decision once, then letting your system run even when life gets chaotic.
Why automate transfers? Schedule savings and debt extra the day after payday so progress happens by default. This changes the game by making the decision once, then letting your system run even when life gets chaotic.
Why bucket spending? Group variable expenses into a few buckets (groceries, transport, fun) so tracking stays lightweight. This changes the game by making the decision once, then letting your system run even when life gets chaotic.
Toolkit
- Note template — Keep a running doc for wins, misses, and next week’s one change.
- One bank with buckets — Use sub‑accounts to name goals; move money visually not mentally.
- Calendar — Mark paydays and due dates; set a 10‑minute weekly recurring event.
- Spending alerts — Set thresholds so you get a nudge before you overshoot, not after.
How to use note template: Keep a running doc for wins, misses, and next week’s one change. Start simple; upgrade only if it saves time every single week.
How to use one bank with buckets: Use sub‑accounts to name goals; move money visually not mentally. Start simple; upgrade only if it saves time every single week.
How to use calendar: Mark paydays and due dates; set a 10‑minute weekly recurring event. Start simple; upgrade only if it saves time every single week.
How to use spending alerts: Set thresholds so you get a nudge before you overshoot, not after. Start simple; upgrade only if it saves time every single week.
Related Articles
- Minimalism for Your Wallet — Mastery #2
- Balance Transfers: When They Help (and Hurt) — Mastery #2
- Index Funds 101 for Beginners
- Roth vs Traditional: Simple Rules of Thumb — Mastery #2
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