Smart Money for Startup’s, start with confident cashflow — one step at a time.
Smart Money for Startups is your step-by-step guide to understanding income, tracking expenses, and building a cashflow plan that works. Designed for new business owners, this course gives you the tools to create a realistic budget, forecast growth, and make confident money decisions from day one.
SMART MONEY FOR START UP'S!… your workbook here!!
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What am I doing?
Understanding the distinctions between the different types of businesses helps entrepreneurs make informed decisions regarding their business structure, legal obligations, and financial strategies.
Understanding the distinctions between the different types of businesses helps entrepreneurs make informed decisions regarding their business structure, legal obligations, and financial strategies.
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How do we do it?
Understanding the distinctions between the different types of businesses helps entrepreneurs make informed decisions regarding their business structure, legal obligations, and financial strategies.
Understanding the distinctions between the different types of businesses helps entrepreneurs make informed decisions regarding their business structure, legal obligations, and financial strategies.
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Think Money
Keeping your personal and business finances separate is very important for entrepreneurs and small business owners. It helps you have clearer financial records, which makes your business look more trustworthy.
Keeping your personal and business finances separate is very important for entrepreneurs and small business owners. It helps you have clearer financial records, which makes your business look more trustworthy.
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What about Software?
In today's digital world, the right accounting software can greatly improve how you manage your business finances. The right software can simplify your financial processes, keep detailed records, and provide valuable reports that give you a clear picture of your business performance.
In today's digital world, the right accounting software can greatly improve how you manage your business finances. The right software can simplify your financial processes, keep detailed records, and provide valuable reports that give you a clear picture of your business performance.
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Planning Growth
Growth doesn’t just happen—it’s the result of intentional planning and smart decisions. Whether you’re dreaming of expanding your reach, hiring your first employee, or simply taking on more clients, having a clear growth plan ensures you’re ready to handle the challenges that come with scaling up.
Growth doesn’t just happen—it’s the result of intentional planning and smart decisions. Whether you’re dreaming of expanding your reach, hiring your first employee, or simply taking on more clients, having a clear growth plan ensures you’re ready to handle the challenges that come with scaling up.
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Look at your Costs
Tracking and controlling business spending is critical to financial health and profitability. Keeping an eye on spending prevents overpaying, improves pricing and profit margins, and facilitates precise forecasting and budgeting.
Tracking and controlling business spending is critical to financial health and profitability. Keeping an eye on spending prevents overpaying, improves pricing and profit margins, and facilitates precise forecasting and budgeting.
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Dig Deeper
There is more to this lesson than just fixed, variable, and unforeseen expenses. Its main objectives are to identify hidden costs, comprehend opportunity costs, and match spending to expansion strategies.
There is more to this lesson than just fixed, variable, and unforeseen expenses. Its main objectives are to identify hidden costs, comprehend opportunity costs, and match spending to expansion strategies.
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Income Goals
Income goals provide structure and direction to your business efforts. Without them, you risk working aimlessly, missing opportunities, and failing to achieve sustainability. Setting clear, measurable income targets keeps you motivated, focused, and prepared for both challenges and opportunities.
Income goals provide structure and direction to your business efforts. Without them, you risk working aimlessly, missing opportunities, and failing to achieve sustainability. Setting clear, measurable income targets keeps you motivated, focused, and prepared for both challenges and opportunities.
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Expenses
Understanding and tracking your expenses is crucial for maintaining financial stability and achieving your income goals. It provides clarity on how resources are being used and helps you make informed decisions to optimise spending.
Understanding and tracking your expenses is crucial for maintaining financial stability and achieving your income goals. It provides clarity on how resources are being used and helps you make informed decisions to optimise spending.
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Cashflow Forecast
These tabs are intended to simplify your financial management, allowing you to make educated decisions while remaining focused on your business objectives. Let's take a closer look at how each tab works and what value they provide. These tabs aren't simply for adornment; they're the foundation of your financial planning. They take the raw data you provide and turn it into useful insights.
These tabs are intended to simplify your financial management, allowing you to make educated decisions while remaining focused on your business objectives. Let's take a closer look at how each tab works and what value they provide. These tabs aren't simply for adornment; they're the foundation of your financial planning. They take the raw data you provide and turn it into useful insights.
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The Results
These tabs are intended to simplify your financial management, allowing you to make educated decisions while remaining focused on your business objectives. Let's take a closer look at how each tab works and what value they provide. These tabs aren't simply for adornment; they're the foundation of your financial planning. They take the raw data you provide and turn it into useful insights.
These tabs are intended to simplify your financial management, allowing you to make educated decisions while remaining focused on your business objectives. Let's take a closer look at how each tab works and what value they provide. These tabs aren't simply for adornment; they're the foundation of your financial planning. They take the raw data you provide and turn it into useful insights.
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Startup Business Plan, your template
This business plan is made for you—the solo founder, side hustler, or small team trying to turn a good idea into income.
We’ve stripped out the fluff and focused on what actually matters: your goals, your money, your next steps.
Learn how to forecast your Cashflow, your template
Stop guessing. Start planning.
This isn’t about complex spreadsheets or finance jargon—it’s about knowing what’s coming in, what’s going out, and when it’s all happening..
Course FAQ
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This course focuses on teaching you how to build a 3-year cashflow forecast for your business or project using interactive modules, a downloadable spreadsheet, and practical examples.
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It’s perfect for small business owners, startups, freelancers, or anyone wanting to understand and manage their finances effectively.
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No experience is necessary! The course is designed for beginners, with step-by-step guidance provided.
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The course is self-paced, so you can go through it at your own speed.
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You’ll gain the skills to plan, track, and forecast your business finances, giving you confidence in managing your cashflow and meeting financial goals.
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You’ll need a device with internet access to access the course and a spreadsheet program like Excel or Google Sheets to use the template
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No, the course is entirely self-paced and pre-recorded, allowing you to learn on your schedule.
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Yes, the course is mobile-friendly and can be accessed on any device with a browser
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Yes, it’s compatible with Google Sheets, Excel, and most other spreadsheet programs.
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Each module includes completion checkpoints to help you track your progress and move to the next step confidently.
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You’ll have access to ongoing resources, updates to the spreadsheet template, and the option to join our community for continued learning.
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Yes! We provide coaching and other services to help you implement what you’ve learned in real-life scenarios.
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The materials are for your personal use only. If someone else is interested, they can purchase their own copy of the course.
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Look Before You Leap: Do Your Research First
Which Payment Service is Best for You?
Stripe – A flexible online payment service that accepts credit & debit cards as well as digital wallets like Apple Pay and Google Pay. Perfect for businesses wanting a seamless checkout experience for customers. https://stripe.com/nz
GoCardless – Automate payment collection and reconciliation for any Xero invoice. Ideal for subscriptions and recurring payments, making it easy to get paid on time without chasing invoices. https://gocardless.com/en-nz/
PayPal – Let customers pay invoices instantly using their PayPal account. A great option if your clients prefer the security and convenience of PayPal for their transactions. https://www.paypal.com/nz/home
AKO TIP: For Stripe, GoCardless, and PayPal, you can connect the payment service directly from an invoice template. You can also apply multiple payment services to an invoice template.