n this episode, we explore a crucial but often avoided question: When is it time to raise your prices?

I’m Deb, a Profit First Professional, and I’m here to help you recognise the signs that it’s time to re-evaluate your pricing—whether it’s due to rising costs, increased demand, or simply the fact that your skills and value have grown.

You’ll learn how to assess your current pricing model through a structured, annual review process that considers expenses, income goals, and market shifts. I’ll also share how to approach price increases with confidence, and how to communicate changes clearly to clients—without guilt or second-guessing.

Because understanding your worth—and charging for it—is key to building a business that’s financially healthy and personally sustainable.

About the Podcast:

This episode of the Financially Healthy Business Podcast dives into the strategy and mindset behind raising your prices—and doing it in a way that aligns with both your financial needs and your value.

I share:

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• Signs it’s time to review your pricing
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• How to calculate what you should be charging
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• Scripts and tips for handling pricing conversations with clients
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We’ll also tackle the psychological blocks that hold so many business owners back from taking this vital step—and offer you practical tools to overcome them.

Each 15–20 minute episode is designed to give you clarity, confidence, and control over your finances—so your business can fund your life, not just fill your calendar.

Review your pricing. Own your value. Charge with confidence.

Takeaways:

• Effective management of pricing is crucial for business sustainability and profitability.
• Business owners must regularly assess their pricing strategies to ensure they reflect current costs.
• Clear communication regarding price increases is essential to maintain client trust and relationships.
• Understanding one's value and expertise is fundamental when contemplating a price raise.
• It is advisable to implement incremental price increases rather than drastic changes to minimize client loss.
• Raising prices should be framed around the value provided to clients, ensuring justifications are clear.

Links referenced in this episode:

• financiallyhealthybusiness.co.uk
• financially healthy business.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• Financially Healthy Business

In this episode, we’re talking about a financial metric that’s far more important than your turnover—profit margins.

I’m Deb, a Profit First Professional, and I want to reframe your thinking: it’s not how much you earn, it’s how much you keep that counts. Too many business owners focus solely on sales and revenue targets, while their actual profit—what supports their life—is shrinking behind the scenes.

You’ll learn how to calculate your profit margin, what it tells you about your business, and how to improve it through smarter pricing, leaner costs, and strategic decision-making. Because revenue might be flashy, but profit is what pays you.

About the Podcast:

This episode of the Financially Healthy Business Podcast shines a light on a crucial but often overlooked topic—profit margins—and why they matter more than most business owners realise.

I break down the essentials:

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• What your profit margin actually is (and how to work it out)
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• How to assess whether your pricing supports your lifestyle
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• Practical ways to reduce costs without compromising quality
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You’ll hear relatable examples and leave with actionable steps to boost your profitability, reduce stress, and make sure your business is working for you, not against you.

In just 15–20 minutes, this episode gives you clarity, confidence, and the tools to run a business that supports your goals—and funds the life you want to lead.

Prioritise profit. Protect your peace. Build something sustainable.

Takeaways:

• The podcast emphasizes the importance of profit margins over mere sales figures for business sustainability.
• Listeners are encouraged to calculate their profit margins to gain better financial awareness and control.
• It is crucial to understand that profit is what compensates business owners, not sales volume or turnover.
• The episode discusses strategies for improving profit margins, including cost reduction and price increases.
• Profit margins provide essential financial flexibility, allowing business owners to maintain stability and growth.
• The episode concludes with a reminder that businesses should be designed to support a fulfilling life, not merely to exist.

Links referenced in this episode:

• financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• Financially Healthy Business

In this episode, we’re clearing up a costly confusion: the difference between owner’s pay and director’s loans.

I’m Deb, a Profit First Professional, and I’m here to help limited company owners avoid a common financial trap—treating business money like personal cash. Blurring the line between your compensation and ad hoc withdrawals can lead to tax headaches, financial instability, and HMRC issues.

We’ll unpack what constitutes proper owner’s pay, when a director’s loan is appropriate, and how to build a structured, sustainable system that ensures you’re paid consistently and fairly. Because the goal isn’t just to grow a business—it’s to build one that pays you properly and supports your lifestyle.

About the Podcast:

This episode of the Financially Healthy Business Podcast focuses on an essential principle: keep your finances clean, clear, and intentional.

I’ll explain why confusing personal income with business funds puts you at risk—not just financially, but emotionally too. We’ll cover:

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• The purpose and risks of director’s loans
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• Why a regular pay structure matters
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• How to track, manage, and separate your income streams
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You’ll walk away with the clarity to set up smarter systems and the confidence to handle your pay like a real business owner—not like a bank account with a blurred boundary.

With just 15–20 minute episodes, this podcast helps you take back control of your business finances—so you can lead with purpose, profit, and peace of mind.

Pay yourself properly. Protect your business. Lead with clarity..

Takeaways:

• Establishing a consistent owner's pay is essential for maintaining clear financial boundaries between personal and business finances.
• Understanding the distinction between owner's pay and director's loans is crucial to avoid potential tax complications.
• Failing to manage director's loans responsibly can lead to unexpected tax liabilities and financial stress for business owners.
• Regularly consulting with an accountant can provide invaluable guidance in setting up a sustainable owner's pay system.
• Implementing a structured approach to personal withdrawals from the business can enhance both financial clarity and confidence.
• Prioritizing intentionality in how we pay ourselves fosters a healthier relationship with our business finances.

Links referenced in this episode:

• www.health.financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• HMRC

In this episode, we explore how to grow your business without being buried in debt.

I’m Deb, a Profit First Professional, and I want to shift the conversation around borrowing. Debt isn’t always the enemy—but it’s not a quick fix either. Used well, it can help you scale. Used poorly, it can trap you in a cycle of stress and instability.

We’ll walk through a structured framework to help you evaluate whether a debt decision is truly strategic—focusing on investments that increase capacity, boost profit, or strengthen your long-term sustainability. This episode is a call for financial clarity, so you can grow with confidence, not chaos.

Because your business should fund your life—not consume it.

About the Podcast:

This episode of the Financially Healthy Business Podcast is for entrepreneurs who want to grow smart, not just fast.

I break down the difference between productive debt and problematic debt, and share practical criteria for making borrowing decisions you won’t regret. You’ll learn how to avoid panic borrowing and how to assess whether the investment will actually generate a return.

We talk about building a business that’s financially solid from the inside out—and how fostering community, clarity, and confidence is just as important as chasing revenue.

In 15–20 minutes, this episode gives you a financial health check and a decision-making lens that will serve you for years to come.

Plan wisely. Grow sustainably. Lead with confidence.Takeaways:

• The podcast emphasizes the necessity for business owners to maintain control over their finances, thereby reducing stress and fostering sustainable growth.
• Strategically utilized debt can serve as a beneficial tool for business expansion, provided it generates a return on investment.
• Business owners are urged to develop a written repayment plan for any incurred debts to ensure clarity and accountability in financial management.
• Establishing a contingency fund, no matter how modest, can prevent the need for desperate borrowing during financial challenges.
• It is crucial for entrepreneurs to assess whether their debts have fostered genuine growth or merely covered operational gaps, which can clarify future financial strategies.
• The importance of planning over panic is highlighted, as careful financial planning is essential for successful business growth.

Links referenced in this episode:

• financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• Financially Healthy Business

In this episode, we’re tackling a sneaky profit-killer—Shiny Object Syndrome.

I’m Deb, a Profit First Professional, and I’m here to help you spot the real cost of chasing new tools, courses, and memberships that promise quick fixes but rarely deliver. The truth is, it’s not always a lack of sales that drains your bank account—it’s the unexamined spending that creeps in, month after month.

We’ll explore how financial clutter and unchecked purchases chip away at your profit, and I’ll walk you through a simple mindset shift that helps you invest with purpose—not panic. You’ll also get a practical, no-nonsense audit assignment to clean up your subscriptions and reclaim hidden cash.

Because often, the fastest route to profit isn’t getting more clients—it’s cutting what you don’t need.

About the Podcast:

This episode of the Financially Healthy Business Podcast digs into a common trap for entrepreneurs: spending out of FOMO, fear, or frustration—rather than aligned strategy.

I’ll share three critical questions to ask before making any new investment:

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3. Does it align with your business goals?
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7. Can you measure the return on investment?
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11. Is the decision grounded in strategy or emotion?
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You’ll come away with a clearer head, a leaner bank statement, and a renewed commitment to making financial decisions that serve your business—not distract from it.

With just 15–20 minutes per episode, this series helps you build a business that strengthens your profit, supports your life, and keeps your focus where it matters most.

Less distraction. More clarity. Greater profit.

Takeaways:

• In this episode, we discuss the phenomenon known as Shiny Object Syndrome, which tempts entrepreneurs to pursue distractions that detract from their primary business objectives.
• It is imperative to meticulously evaluate every potential investment to ascertain its alignment with our overarching business goals, ensuring it does not become a mere distraction.
• By conducting a thorough audit of our subscriptions and expenses, we can identify unnecessary costs that may be eroding our profits and financial health.
• I encourage you to pause and reflect before making impulsive purchases, particularly those driven by panic or the fear of missing out, as these decisions often lead to regret.
• We emphasize the importance of intentional investing, advocating for expenditures that can be measured in terms of their return on investment, whether through client acquisition or time savings.
• The episode concludes with a reminder that often, reducing expenses can be more effective for improving cash flow than solely focusing on acquiring new clients.

Links referenced in this episode:

• www.financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• Financially Healthy Business

In this episode, we’re taking the fear out of one of the most powerful tools in your financial toolkit: cash flow forecasting.

I’m Deb, a Profit First Professional, and I’m here to show you how forecasting your cash flow isn’t complicated—it’s liberating. Once you understand it, you’ll no longer be guessing what’s coming next. You’ll be planning with clarity, making stronger decisions, and reducing stress.

I’ll walk you through a simple three-step method to create your own cash flow forecast. No jargon. No overwhelm. Just a clear view of where your money’s going—and how to take control of it.

Because your business should support your life—not leave you constantly on edge about what’s in the bank.

About the Podcast:

This episode of the Financially Healthy Business Podcast is designed for every business owner who’s ever felt anxious about money, unsure what’s coming next, or stuck in reactive mode.

I’ll show you how cash flow forecasting can become one of your most empowering habits, giving you the foresight to plan, pivot, and grow with confidence. We’ll cover:

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• The truth about why cash flow matters more than just profit
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• How to predict your financial position with ease
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• A practical, three-step system to get started today
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You'll come away with both the tools and the mindset to treat cash flow forecasting as a form of business self-care.

In just 15–20 minutes, this episode will help you stop guessing and start planning—so you can build a business that funds your freedom, not your fears.

Forecast your cash. Free your mind. Take control.Takeaways:

• Effective cash flow forecasting provides clarity and control over financial management.
• Utilizing a simple cash in and cash out list helps track financial movements easily.
• Understanding your financial status alleviates stress and enables strategic planning for the future.
• The podcast emphasizes that cash flow management does not require complex tools or software.
• Taking the time to forecast cash flow liberates business owners from financial uncertainty.
• The episode encourages business owners to share insights and promote financial health among peers.

Links referenced in this episode:

• financiallyhealthybusiness.co.uk
• www.financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• Financially Healthy Business

In this episode, we reframe pricing—not as a number to match the market, but as a tool to fund the life you want.

I’m Deb, a Profit First Professional, and I’m here to show you why your pricing strategy must start with your lifestyle goals, not your competitors. Too many business owners undercharge, overdeliver, and burn out—because their pricing doesn’t reflect their financial reality or personal aspirations.

Together, we’ll walk through how to calculate your lifestyle number and reverse engineer your pricing so it covers your operational costs, tax, profit, and most importantly—your take-home pay. This episode is your invitation to value your worth, restructure your services, and create a business that sustains you, not drains you.

About the Podcast:

This episode of the Financially Healthy Business Podcast challenges the common habit of pricing based on what others charge or what you think people will pay.

Instead, I guide you through a strategic approach that helps you align your income with your personal and business goals—so you can serve the right clients, work the hours you choose, and actually keep more of what you earn.

We explore the dangers of underpricing, and how getting clear on your true financial needs is the key to long-term sustainability and satisfaction.

Each 15–20 minute episode offers practical insights to help you run a business that works for you—not the other way around.

Price with intention. Lead with clarity. Build a business that fits your life.Takeaways:

• In our discussion, we emphasize the necessity of pricing for lifestyle rather than merely for sales.
• It is essential to ensure that your pricing model accounts for all business expenses and personal income needs.
• Copying competitors' pricing strategies can lead to detrimental financial consequences for your business.
• We advocate for a bottom-up pricing approach that begins with understanding your financial requirements.
• Establishing a sustainable business model requires careful consideration of profit margins and operational costs.
• The goal of your business should be to support your desired lifestyle, rather than to merely survive.

Links referenced in this episode:

• financiallyhealthybusiness.co.uk
• ww.financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• financiallyhealthybusiness.co.uk

In this episode, we shine a spotlight on two powerful but often overlooked numbers every business owner needs to know: your business break-even point and your lifestyle break-even point.

I’m Deb, a Profit First Professional, and I’m here to show you why understanding these two figures is essential—not just for financial stability, but for your peace of mind and long-term success.

We’ll walk through a step-by-step process to calculate both break-even points so you can stop guessing and start making confident, informed decisions. Whether you’re in the early stages of business or looking to scale, this episode will help you align your finances with what truly matters: sustainability, security, and the life you want to live.

About the Podcast:

This episode of the Financially Healthy Business Podcast gives you the practical tools and mindset to move from financial firefighting to focused, strategic planning.

You’ll learn how your business break-even point shows you what your enterprise needs to survive—and how your lifestyle break-even point gives you the clarity to ensure your business is actually serving you.

As we wrap up, I challenge you to calculate both figures and write them down where you can see them. These aren’t just numbers—they’re your financial guardrails, helping you make smarter, faster decisions.Takeaways:

• This podcast emphasizes the importance of understanding your business's break-even point for financial clarity.
• Listeners are encouraged to calculate both business and lifestyle break-even numbers to alleviate financial stress.
• The episode discusses the necessity of knowing monthly operating expenses to maintain business viability and personal stability.
• I encourage all business owners to write down their break-even numbers to ensure they are not operating blindly.
• Understanding financial fundamentals is essential for ensuring that one's business supports their desired lifestyle.
• The conversation highlights that failing to grasp these financial concepts can lead to unnecessary stress and uncertainty.

Links referenced in this episode:

• ww.financiallyhealthybusiness.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• Financially Healthy Business

In this final episode of the Financially Healthy Business Podcast, we bring everything full circle—because a thriving business isn’t just about revenue or systems. It’s about building something that truly supports the life you want to live.

I’m Deb, a Profit First Professional, and throughout this series we’ve explored the practical tools, financial strategies, and mindset shifts needed to run a business with clarity, confidence, and control. Now, it’s time to reflect on what you’ve built, and more importantly—why you’re building it.

Together, we’ll explore how to align your business with your lifestyle goals, map out the income you truly need, and create a structure that fuels both purpose and profit. Because financial health isn’t just about the numbers—it’s about freedom, peace of mind, and a life well-lived.

About the Episode:

As this season comes to a close, this episode invites you to pause and reflect on your journey. Have you built a business that energises you—or one that’s draining you?

I’ll walk you through a practical framework for backwards planning: defining your ideal lifestyle and then building your business strategy to support it. Whether that means adjusting your pricing, trimming expenses, or planning for growth, the key is making decisions with intentionality—not just urgency.

We’ll revisit core lessons from the series, from managing cash flow to paying yourself first, and leave you with powerful reflection questions to carry into your next stage.

This final 15–20 minute episode isn’t just a wrap-up—it’s a fresh start. One that challenges you to lead your business, not just operate it. To build with clarity. And to put you at the centre of your success.

Your business should fund your life—not control it. Let’s make sure it does.Takeaways:

• The podcast emphasizes the importance of aligning personal lifestyle goals with business finances for overall success.
• Listeners are encouraged to design their businesses to support their desired life instead of merely generating income.
• A structured roadmap is essential for maintaining focus on financial health and achieving personal goals.
• The speaker highlights that a financially healthy business provides confidence, clarity, and control over one's financial future.
• Transforming one's mindset from operator to owner is crucial for effective business leadership.
• The podcast concludes by urging listeners to continually refine their financial strategies to sustain business success.

Links referenced in this episode:

• how to Build a financially healthy business.co.uk

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy

Podcast Episode Description:

In this episode, we ask one of the most important questions every business owner must eventually face: Where is your business heading?

I’m Deb, a Profit First Professional, and I’m here to help you explore the three core paths available to you as an entrepreneur—whether to stick with what’s working, scale for greater income and impact, or sell and move on to something new.

Clarity on your business direction shapes how you spend your time, energy, and money. And those who lead with clarity make stronger decisions, feel more in control, and build businesses that truly support the life they want.

You’ll hear stories from my own journey, along with key reflection questions to help you assess what you really want—and how to start building towards it today.

About the Podcast:

This episode of the Financially Healthy Business Podcast explores the critical difference between business owners who feel empowered—and those who feel stuck. That difference often comes down to one thing: clarity of direction.

I walk you through three strategic options:

✔️ Stick – maintain and optimise your current business model

📈 Scale – grow with intention and structured support

🔁 Sell or transition – prepare for a profitable, values-aligned exit

Whether you’re in the thick of client work or considering your next chapter, this episode helps you pause, zoom out, and make choices that align with your goals.

With focused 15–20 minute episodes rooted in Profit First principles and real-world experience, this podcast supports you in building a business that not only performs—but feels purposeful.

Lead with clarity. Plan with intention. Build what works for you.

Takeaways:

• This podcast emphasizes the importance of having clarity regarding the future direction of one's business.
• Understanding whether to stick, scale, or sell is crucial for effective business management.
• Business owners should reflect on whether their current pursuits align with their personal values and goals.
• Preparing for the long-term success of a business requires intentional planning and strategic decision-making.
• A successful transition in business often involves training and empowering a team to take over responsibilities.
• Engaging in reflective practices can significantly enhance one's ability to make informed decisions about their business trajectory.

Links referenced in this episode:

• how to Build a Financially Healthy Business code

Companies mentioned in this episode:

• Accounts Ladies
• Accounts Office Academy
• Profit First