Simple, scalable, and proven to give you clarity, consistency, and control
Most small business owners don’t struggle because they’re lazy or disorganized. They struggle because they’re trying to run a business without a system.
If you’ve ever felt like your numbers are all over the place… like you’re constantly catching up… or like you’re not sure whether you can actually afford to pay yourself — the problem isn’t you.
The problem is the absence of a clear financial structure.
That’s why every business, no matter the size, needs a simple 3-part system: one that gives you visibility, helps you plan ahead, and makes money management feel less like guesswork and more like strategy.
Here’s what that system looks like — and how to implement it right away.
Part 1: Bank Account Structure
Your first step is separating your money by function, not just by balance.
Using The Small Business Planner’s Core 4 Setup, open these accounts:
Income Account – Every dollar your business earns lands here first.
Business Expenses Account – Use this account to pay all bills and operating costs.
Payroll Account – This is your paycheck. Transfer a consistent amount to pay yourself.
Tax Account – Set aside 15–30% of income here to prepare for tax season.
This structure creates instant clarity. You’ll know exactly how much money you have for each part of your business — no more guessing, no more overspending.
If your income is irregular, you can also add a Buffer or Profit Reserve account to smooth out the ups and downs.
Part 2: Pay Yourself with a Plan
Paying yourself isn’t selfish — it’s strategic. But most business owners treat their income like leftovers, waiting to see what’s left at the end of the month.
Instead, set a consistent Owner Pay target and transfer that amount from your Income Account to your Owner Pay Account on a regular schedule — biweekly, semi-monthly, or monthly.
Use your revenue history and personal expenses to choose a realistic amount, then stick with it.
Inside The Small Business Planner, we walk you through exactly how to calculate your Owner Pay target and reverse-engineer your prices and goals to support it.
Part 3: Monthly Money Routine
Even with the right accounts and a paycheck in place, you still need a rhythm to keep everything running smoothly.
Your Monthly Money Routine should include:
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Reviewing your account balances
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Tracking monthly income
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Reviewing business expenses
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Checking profit margins
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Planning for the upcoming month
This helps you spot trends, catch issues early, and make smarter decisions with confidence.
Inside The Small Business Planner, we give you a plug-and-play Monthly Review Template that makes this process fast and simple — even if you’re not a “numbers person.”
Final Takeaway
You don’t need to be a finance expert to run a financially strong business. You just need a simple system.
When you separate your money, pay yourself with purpose, and review your numbers regularly, you create a foundation that supports every part of your growth — from consistent income to smart investments and peace of mind.
If you’re ready to implement this 3-part system with step-by-step guidance and done-for-you tools, The Small Business Planner is your next move.
Explore The Small Business Planner now → https://smallbusinessplanner.com/products/planner