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Step 1 · Congratulate Yourself
You Made It Here
You sought out the knowledge to take this next step in your business. That’s not nothing. It’s been a process, and now it’s time to start another one.
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Step 2 · Figure Out Your Overhead
Know Your Number
Your overhead is the minimum amount of money you need each month to keep your business running. This includes your website fee, phone number, any subscriptions your business uses, and a product re-up budget so you always have funds ready when it’s time to restock. Once you add all that up, you have your monthly target. Hit that number, and everything after it is profit.
DownloadDownload the Monthly Overhead Calculator
A simple template to add up your monthly business costs.
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Step 3 · Open a Business Account and Fund Your Overhead
Give Your Business Its Own Home
Move your overhead amount into a dedicated business account. Link your new business debit card to all your subscriptions and use it for all business purchases. This keeps personal and business finances separate, gives you one clear place to manage the business, and creates a real system for paying yourself. Later, you can add a second local bank for cash deposits and an in-person relationship.
Recommended free business accounts
Looking for a second local bank later
Once your online business account is running smoothly, add a local bank too. A local branch gives you a place to make cash deposits, get cash when you need it, and build a relationship with a banker — which helps down the line if you ever need a loan or line of credit.
One step at a time. You’re building your GLOW.
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Your GLOW gallery
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