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Small Business Budgeting

Add clarity to your cash flow with a zero-based budget.

More Profit, Less Loss

You’re the boss of your business, but are you the boss of your budget? One of the hardest parts about owning a business is discovering all of the related stuff that you need to know in order to succeed. You’re good at what you do, but are you good at the tasks that make what you do possible, and even more important, profitable?

Get a crash course in budgeting with a small business and learn how to apply best practices for money management to your bottom line.

How to Master Money in Your Business

  • How to Set Up a Business Budget in YNAB

    A few years after starting YNAB, I started a side hustle. I wanted to see if I could generate some extra income to pay off my mortgage early. When I started the side hustle, the first thing I did was set up a budget for it. I’ve never run the business without a budget, and …
  • 5 Best Budgeting Apps for Small Businesses

    Looking for the best budgeting app for your small business? We get it. We’ve been there. One of the most challenging aspects of running a small business is all of the different hats you have to wear to do it—and you might not even like some of those hats.  You need a snazzy top hat …
  • Why I Use YNAB Instead of Quickbooks to Run My Business

    If you run a small business and don’t have to deal with physical inventory, YNAB could simplify your cashflow and provide you with more peace of mind for the future. You Need a Budget was designed as a solution for personal budgeting, and that’s how most people use it. But you can also use YNAB …
  • Beginning Balance: A Podcast for Small Business Owners

    Once upon a time (not that long ago) Jesse asked our YNAB podcast listeners how many of you would be interested in a podcast for small business owners about money management, and a lot of you were. Like, a lot. I think the official quantifier would be “a lot a lot,” which is definitely a …
  • Small Business Budget: See a Real Example

    Working on your small business budget but not sure where to start? Sometimes it’s helpful just to see a real-life example to help you create your budget. This post will show you: A real-life example of a successful small business with all the numbers  A budget template that can help manage tax time headaches Fixed …
  • How to Use YNAB as Business Budgeting Software

    Budgeting is budgeting, but budgeting for your small business is just different enough from personal budgeting that it may feel like you need to go out and buy small business budgeting software and learn a whole new platform and routine to keep track of your business finances. As a small business owner, the last thing …
  • You Need A Separate Business Budget

    You Need a Separate Business Budget (YNASBB—nope, that doesn’t work. Let’s let it die here.) YNAB will serve your small business well. It has mine. It gave me what I call, “pile-of-money clarity.” Many years ago, YNAB was profitable with a very small team, and I couldn’t have been happier. Then I moved YNAB from …
  • We Paid Off $180K in 5 Years

    Who: Liz and her husband, Jeff Where: Minnesota Debt paid off: $180,300 Time to payoff: 5 years Business debt: Three small business loans (that were personally guaranteed): $145,600 Personal debt: Student loan: $21,400 Home Depot card (home renovation): $3,000 Car loans: $10,300 How they did it: Zeroed in on priorities Increased working hours Picked up side jobs Used YNAB …

Master Your Cash Flow

Budgeting is not restrictive. You won’t be spending less, you’ll be spending right. So what do you have to lose? Except all that debt and stress?