How to Build Financial Confidence as a Small Business Owner

There was a time I would open my banking app with one eye closed.

It wasn’t that I didn’t have money. It was that I didn’t know where I stood. I didn’t feel in control. I didn’t feel confident. And for someone who’s an accountant? That feeling hit hard.

But here’s what I’ve learned after working with hundreds of entrepreneurs and walking this path myself: confidence with money doesn’t come from how much you earn. It comes from how well you understand it.

If you’ve ever felt nervous looking at your numbers, unsure how to plan ahead, or hesitant to invest in your business—it’s not because you’re bad with money. It’s because no one taught you how to feel safe with it.

Let’s change that.

What Is Financial Confidence (And Why Does It Matter)?

Financial confidence isn’t about knowing all the answers. It’s about trusting that you have a system to find them.

It looks like:

• Making decisions based on data, not fear

• Understanding your income, expenses, and what’s actually profitable

• Feeling grounded when a surprise expense shows up

• Saying “yes” to opportunities because you know you can afford them

When you have that level of clarity, your whole business shifts. You go from reactive to proactive. You go from fear to flow.

And yes, you can absolutely get there.

My Confidence Journey (As an Accountant & Entrepreneur)

You’d think being an accountant would give me an advantage here—and in some ways, it did. But when I became a business owner, everything changed.

I wasn’t just looking at clean financial reports for clients. I was juggling content creation, marketing, coaching, strategy, admin work and trying to stay on top of my numbers.

I knew what to do in theory. But in practice? I felt scattered.

So I went back to basics. I asked myself:

What would financial confidence look like for me in this season of business?

The answer wasn’t "track everything perfectly" or "do more." It was:

• Simplify my financial tools

• Set clear money rituals

• Focus on consistency over perfection

That’s when things started to shift.

3 Small Habits That Built My Confidence

You don’t need to overhaul everything to feel better with money. Start here:

1. The Weekly Money Check-In

Every Friday, I open my spreadsheet and ask myself:

• What came in?

• What went out?

• What needs attention?

This 15-minute ritual helps me stay connected to my numbers without feeling overwhelmed.

2. Using One Dashboard

Instead of bouncing between apps, I built a single, simple dashboard. One place to see income, expenses, goals, and upcoming payments.

It gave me control. And control builds confidence.

3. Celebrating Financial Wins

Yes, even small ones. Like invoicing on time. Or saving $50. Or finally understanding what my profit margin really was.

Confidence grows when you acknowledge your progress.

Introducing the Business Finance Starter Kit

This toolkit was born from everything I just shared. It’s a system designed to help you:

• Understand your numbers

• Plan smarter

• Make empowered decisions

It includes:
✅ A Business Budget Template
✅ A Cashflow Tracker
✅ An Invoice + Expense Log
✅ A Monthly Finance Checklist
✅ A Quick Start Guide
✅ And the Financial Systems for Small Businesses Ebook

Whether you’re starting from scratch or improving your current system, the Business Finance Starter Kit gives you the structure (and confidence) to move forward.

Final Thoughts: Confidence Is a Practice

No one is born feeling confident with money. It’s something you build. And like anything worth building, it takes time, repetition, and the right tools.

You don’t need to wait until you hit a certain income level. You don’t need to wait until “things settle down.” You can start building financial confidence today.

🎯 Join the waitlist to get first access to the Business Finance Starter Kit (and special bonuses).

Because the more confidence you have with your finances, the more powerfully you lead your business.