Bookkeeping and Tax Support Tailored to Fabric, Yarn and Quilt Shops and Makers

Focus on Your Craft. Let me Focus on Your Numbers.

Cash Flow Management is a great fit if:

  • Your bank balance feels like a mystery, you’re never quite sure what’s actually safe to spend.

  • You want to pay yourself regularly but it always seems to be whatever’s “left over” (if anything) at the end of the month.

  • You’re tired of the feast-or-famine cycle and want a simple plan for handling busy seasons, slow seasons, and everything in between.

  • You worry about taxes and bills sneaking up on you and want money set aside on purpose, not as an afterthought.

  • You’re carrying some debt and want a clear, realistic way to chip away at it without starving the rest of your business.

Cash Flow Management Services

Cash Flow Management

Average Monthly Cost $100-$225

This service is for quilt, fabric, yarn, and creative shop owners who want their money to feel calm and intentional instead of chaotic and reactive. I turn your big goals, like paying yourself, covering taxes, handling debt, and smoothing out slow seasons, into a simple, repeatable money plan.

We’ll use tools you already have (like QuickBooks Online or Xero) to:

Here's what you get:

  • Cash Flow Blueprint
    A customized plan that shows how every dollar of revenue should be split between expenses, taxes, owner pay, profit, and debt in a way that actually fits your shop.

  • Deep-Dive Cash Review
    A review of your past numbers so we can see what’s been happening, spot patterns, and set realistic targets instead of guessing.

  • Simple, Workable System
    A setup that runs inside QuickBooks Online or Xero.

  • Regular Allocations Done for You
    Allocations run on a steady rhythm based on the blueprint we create, so you always know what’s already set aside for bills, taxes, owner pay, and profit.

  • Reconciliation of All Cash Buckets
    I make sure your allocation buckets match the real-life numbers, so you’re not working off of wishful thinking.

  • Debt Payoff Strategy
    A practical plan to chip away at debt using your real cash flow, not starving the rest of your business in the process.

  • Ongoing Tweaks and Check-Ins
    During your regular financial review meetings, we’ll look at what’s working, adjust targets if needed, and keep your plan lined up with your current goals and season of business.

Getting Started Is Simple

Getting help with your books or taxes shouldn’t feel like another big project. I keep the process simple, friendly, and tailored to how you work, whether you’re a shop owner, maker, or running a creative collective.

Schedule a quick call

Pick a time that works for you, and we’ll hop on a relaxed call to talk about your shop, your money headaches, and what kind of support you’re looking for, bookkeeping, tax help, or both.

Share a few details in the secure portal

Before we meet, you’ll get a short questionnaire and a link to my secure portal. You’ll add basic business info and a few financial details so I can get a clear picture and make the right recommendation.

We explore your options together

On our call, we’ll walk through what I see in your numbers and talk through a couple of clear paths forward. I will let you know what working together would look like and what your monthly or one-time investment would be, no pressure.

Make it official & get onboarded

After our call, I’ll send a summary of what we’ll do together and how we’ll move forward. Once you give the thumbs-up and make your first payment, I’ll get you fully onboarded so we can take the money stress off your plate.

The Balanced Path Promise

Here’s what you can count on when you work with me:

No judgment, ever. I meet you where you are. Whether you’re months behind or just feeling disorganized.

Your built-in cheerleader. I’ll celebrate your wins, remind you how far you’ve come, and support you as your shop and goals evolve.

Transparent pricing. You’ll always know what’s included and what it costs before I do the work. No surprise invoices.

Accuracy matters. If I make a mistake, I’ll fix it promptly and walk you through what changed.

Clear communication. You’ll know what I’m doing, when I’m doing it, and what I need from you without having to chase me down.

FAQs

What is cash flow management, exactly?

Cash flow management is simply telling your money what to do, on purpose, before it disappears.

I help you:

Look at what’s coming in and what’s going out

Decide how much needs to go to expenses, owner pay, taxes, and profit

Create a simple system so those decisions actually happen every month

Bookkeeping tells you what already happened. Cash flow management helps you shape what happens next.

Who is cash flow management a good fit for?

This is a great fit if:

Your income is lumpy or seasonal (hello, shop owners and makers)
You’re never quite sure if you can afford something
You want to pay yourself, but you’re not sure how much or how often
Tax time keeps catching you off guard
Money is coming in, but your bank balance never seems to reflect it

If you’ve ever thought, “I know I’m busy, but where is all the money going?”...this is for you.

How does your cash flow management service work?

We’ll build a simple, repeatable rhythm:

Review what came in: Look at your recent sales and income.
Allocate with intention: Decide how much goes to expenses, owner pay, taxes, and profit.
Use easy-to-follow rules: Create clear percentages or dollar amounts, so you’re not reinventing the wheel each time money hits your account.
Adjust as you grow: We check in regularly and tweak the plan as your priorities, seasons, and numbers change.

You’re not just “hoping it works out”, you have a structure.

Will this tell me how much I can pay myself?

Yes, that’s a big part of it.

Together we’ll:

Look at your revenue, expenses, and goals
Set a reasonable and sustainable owner pay target
Build a process so that when money comes in, a portion is automatically earmarked for you

No more random transfers when you’re desperate. You’ll know what you can pay yourself and when.

Can you help me set aside money for taxes?

Absolutely. That’s one of the most important pieces.

We will:

Estimate a tax reserve percentage that makes sense for your situation
Make it part of your regular allocation rhythm
Show you exactly how much to move into a “tax bucket” each time money comes in

The goal is to make tax time feel like “Oh good, it’s all sitting there,” not “Where on earth am I going to find this money?”

I have seasonal / inconsistent income. Will this still work?

Yes, this is where a cash flow system shines.

Instead of pretending every month is the same, we will:

Plan around realistic minimums and busy-season highs
Use good months to support leaner months
Make sure your essential expenses, taxes, and owner pay are covered first

Seasonal doesn’t have to mean stressful. We’ll build your system with your busy and slow periods in mind.

Can you coordinate this with my personal finances too?

Yes. Many owners need to see how business cash flow and home life fit together.

We can:

Connect your business revenue allocation with your personal budget or YNAB
Make sure your owner pay actually covers what it needs to at home
Help you move from “whatever’s left” to a clear plan for both sides of your money

Start Organized. Keep It Simple. Grow on Purpose.

Get expert bookkeeping setup, simple systems, and ongoing tax support for your quilt, fabric, yarn shop or creative business so you can stay focused on customers while your numbers stay under control.

Balanced Path Financial was started with a simple belief: when your books are organized and your numbers actually make sense, it’s a whole lot easier to focus on growing the business you really want.

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