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Not Broke, Just Boxed In: What to Do When All Your Funds Are Restricted
Grab your copy of my book Charity Finance from A - Z
Check out ExpensePlus and sign up for a month's free trial and 10% off your first year's subscription, using my referral link http://expenseplus.co.uk/r/AI-BANC
You’ve got money in the bank — but you can’t touch most of it. Sound familiar? In this episode, Aishat breaks down the real challenge behind restricted funds and the feeling of being cash-rich but control-poor.
She explains restricted, unrestricted, and designated funds in plain English and shares how small charities can create breathing space within what they already have — through clearer budgeting, transparent reporting, and stronger financial understanding.
This isn’t about learning to fundraise. It’s about using finance as a tool for freedom, clarity, and calm.
KEY TAKEAWAY
- You’re not broke — you’re boxed in. Restricted funds limit flexibility, but awareness creates control.
- Budget truthfully. Show the real cost of delivery, not just what funders cover.
- Transparency builds trust. Clear management reports protect credibility with both trustees and funders.
- Reserves aren’t luxury — they’re continuity. Even a small surplus helps you breathe when income is delayed.
BEST MOMENTS
“You’re not broke — you just can’t move. That’s the hidden truth of restricted income.”
“Restricted income delivers your projects. Unrestricted income keeps your organisation alive to deliver them.”
“Restricted income alone can make you appear busy — but not necessarily stable.”
“Gratitude matters — but not at the expense of sustainability.”
ABOUT YOUR HOST
Aishat operates her own bookkeeping and accounting services practice –BAnC Services – which focuses primarily on serving non-profits. Before founding her practice, she dedicated over two decades to the non-profit sector.
With her podcast, Aishat shares practical insights and expertise to streamline financial management for non-profits, while also shining a light on the often unseen and unheard efforts that uphold the delivery of a non-profit’s mission.
She is the author of Money Solutions for Single Mums and Charity Finance from A to Z“Budgets are narratives too. They tell a story.” – a practical guide designed to demystify finance for those working in the charity sector.
Beyond her professional endeavours with non-profits, Aishat is deeply committed to supporting single mothers in navigating financial challenges and champions financial literacy among young Black adults. She thrives in conversations about money, empowerment, and purposeful work.
Work with Aishat: www.bancservices.co.uk
CONNECT
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By Aishat
5
33 ratings
Grab your copy of my book Charity Finance from A - Z
Check out ExpensePlus and sign up for a month's free trial and 10% off your first year's subscription, using my referral link http://expenseplus.co.uk/r/AI-BANC
You’ve got money in the bank — but you can’t touch most of it. Sound familiar? In this episode, Aishat breaks down the real challenge behind restricted funds and the feeling of being cash-rich but control-poor.
She explains restricted, unrestricted, and designated funds in plain English and shares how small charities can create breathing space within what they already have — through clearer budgeting, transparent reporting, and stronger financial understanding.
This isn’t about learning to fundraise. It’s about using finance as a tool for freedom, clarity, and calm.
KEY TAKEAWAY
- You’re not broke — you’re boxed in. Restricted funds limit flexibility, but awareness creates control.
- Budget truthfully. Show the real cost of delivery, not just what funders cover.
- Transparency builds trust. Clear management reports protect credibility with both trustees and funders.
- Reserves aren’t luxury — they’re continuity. Even a small surplus helps you breathe when income is delayed.
BEST MOMENTS
“You’re not broke — you just can’t move. That’s the hidden truth of restricted income.”
“Restricted income delivers your projects. Unrestricted income keeps your organisation alive to deliver them.”
“Restricted income alone can make you appear busy — but not necessarily stable.”
“Gratitude matters — but not at the expense of sustainability.”
ABOUT YOUR HOST
Aishat operates her own bookkeeping and accounting services practice –BAnC Services – which focuses primarily on serving non-profits. Before founding her practice, she dedicated over two decades to the non-profit sector.
With her podcast, Aishat shares practical insights and expertise to streamline financial management for non-profits, while also shining a light on the often unseen and unheard efforts that uphold the delivery of a non-profit’s mission.
She is the author of Money Solutions for Single Mums and Charity Finance from A to Z“Budgets are narratives too. They tell a story.” – a practical guide designed to demystify finance for those working in the charity sector.
Beyond her professional endeavours with non-profits, Aishat is deeply committed to supporting single mothers in navigating financial challenges and champions financial literacy among young Black adults. She thrives in conversations about money, empowerment, and purposeful work.
Work with Aishat: www.bancservices.co.uk
CONNECT
TikTok