YNAB! Be in the Know w/ YNAB

Many business owners think the only way to improve profitability is to grow revenue. Profit First teaches us something very different: profit is a habit, not an event. If you only chase sales while ignoring leaks in your financial system, your profit accounts will always feel starved.  Profit leaks are the quiet money drains that […]

Fall Financial Prep: How to Audit Your Books Before the Busy Season Begins: When autumn rolls around, most business owners are thinking about seasonal promotions, final quarter goals, and the hustle that comes with the holidays. But there’s a hidden danger: diving into Q4 without knowing exactly where your finances stand.  If your books aren’t […]

In the fast-paced world of business ownership, every decision carries weight. While some mistakes are obvious, others quietly drain your profits in the background until it’s too late. This blog uncovers seven costly financial decisions business owners make, often without realizing the long-term consequences.  By identifying these traps early, you can steer your business toward […]

Profit: The Simple Formula for a Financially Healthy Business  If profit always feels like whatever’s left over—it’s no wonder it’s inconsistent.  At Spark, we work with business owners who are doing everything right on paper: growing sales, adding clients, building teams… and still not seeing profit.  That’s because traditional business logic says:  Sales – Expenses […]

As the year comes to a close and holiday cheer fills the air, there’s no better time to draw inspiration from the ultimate productivity powerhouse: Santa’s Workshop. Think about it—Santa and his team of elves work tirelessly year-round to deliver magic on Christmas Eve. Entrepreneurs, like Santa, face the challenge of running their own “workshops” […]

How to Build a Financial Buffer That Actually Works When most business owners think about financial security, their first instinct is to stash some money in a savings account “just in case.” While that is better than nothing, a single savings account is not a true financial cushion. Real stability comes from building a buffer […]