You will not achieve your goals if you don’t make them a monthly habit.
Not quarterly. Not annually. Monthly.
If you are surprised when your tax accountant tells you how much money you made last year when they’re preparing your taxes, you’re doing business wrong.
How much you make…
How much you spend…
How much cash is in the bank… 💰
…Should NEVER be a surprise! 😲
Savvy business owners who grow to 6- and 7-figures look at their numbers every single month – both what happened last month and their forecast for next month – so there is no surprise.
But what should you actually DO every month?
1. Do your bookkeeping. Make sure your numbers are accurate and reconciled.
2. Review your Profit & Loss statement and key metrics.
3. Update your projections for the rest of the year.
Have you ever been surprised by the numbers in your biz? Grab our Profit Playbook to build your own plan and never be surprised again! http://100degreesconsulting.com/profit/
If your Profit Playbook is helpful, please share on Instagram and tag me @stephanie.skry
Welcome to the first episode of the 100 Degrees of Entrepreneurship Podcast. I’m Stephanie Skryzowski, a globetrotting CFO who empowers leaders like you to better understand your numbers, grow your impact, and your income. The 100 Degrees podcast is designed for purpose-driven entrepreneurs who want to get inspired to step outside of their comfort zones so they can grow their businesses and live their purpose.
In today’s episode, I’m sharing my story. From a field trip where I fell in love with the idea of being a lawyer to that all-too-common feeling of, “Is this what I really want?” that I had when I landed my first job after college, the hills and valleys of my journey have led me to the work I do today and I’ve learned some powerful lessons that I can’t wait to share as our podcast evolves.
This first episode is designed to give you a glimpse into why I started the podcast and how I can help you make a bigger impact as you reach your business goals.
I got to push through the hard stuff. And when I pushed through the hard stuff, the impact is what’s on the other side… It changed my entire outlook.
In This Episode We Explore:
How the 100 Degrees of Entrepreneurship podcast got its name
What it’s like to feel like you’re failing right before you start to live your true purpose
My story of how I went from sitting for the LSAT and working at law firms to traveling around the globe
Why I’m so passionate about helping you get outside of your comfort zone
Why money (and the numbers you sort through to make more of it) are so important as you work to make a difference in the world
Want more of the 100 Degrees of Entrepreneurship podcast?
Follow me on Instagram: @stephanie.skry(Tag me in your screenshots of the podcast and I’ll be sure to share!)
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I was trying to schedule an important meeting and the only time that was free was in the evenings after my girls were in bed. I ended every single day with a longer to-do list than when I started and I dreaded clicking that Zoom link yet again.
Intentionally working “after hours” was never part of my business plan.
My schedule had become filled with things that I didn’t like doing and that I wasn’t good at, and I knew something had to change.
Instead of metaphorically burning the whole business down (although I threatened it!), I decided to track my time for a few weeks and see where it was going!
Here’s the thing:
Time is an input to results.
We all want results, like hitting a certain revenue goal or serving a certain number of people. There are things we can do to help those results along, and spending our time is one input to our results.
So I looked back at my calendar for the previous five months to categorize and assess exactly where my time was going.
The results?
I spent about 2.5 days a week on calls! I got instant clarity on why I was feeling crunched.
Are you feeling the calendar crunch too? I suggest you do a time study!
Just like analyzing your finances is worthless unless you’re going to use the information to make smart decisions, the time study was pointless unless I actually did something about it.
I started batching calls, blocking time for no-meeting days, and adding rest and creative work time into my schedule so my weeks were more conducive to achieving my goals.
Are you investing your time in what activities will get you closest to your goals?
PS – Your weekly schedule should be a direct reflection of your biggest goals, so make sure that your time is spent on your goals!
Follow along on Instagram to see how my weeks look >>> @stephanie.skry
Welcome to February, the month where New Year’s resolutions go to die!
***thinks of 25 year old Stephanie who made long rambling lists of things to accomplish in 365 days, like “learn to sail”***
Here’s what I’ve learned:
Everything doesn’t need to get done immediately.
True instant gratification doesn’t exist when it comes to our big goals.
For example, I thought about starting a podcast last year but knew that there was important groundwork I needed to lay before doing that. Rather than rushing it and releasing an okay version of the podcast just to check it off a list, I decided to wait until I was ready to do it right. (Hint, hint, exciting things coming!)
I’ve learned that little steps that become daily habits are much more effective to achieve your goals and have a bigger impact. And sometimes the little steps are actually just daily habits that we want to cultivate that will eventually add up to a much bigger impact.
When I wrote this, I went back and looked at my daily routine over the last five years and it has shifted and changed as my goals and priorities have changed. But the common thread is that my routine is always aligned with my goals.
Right now, my daily routine includes:
Exercising first thing every morning
Reading before bed
Drinking at least 64 oz of water
Tidying my workspace and the rest of my home
Writing in a journal
These daily habits keep me grounded, calm, focused, balanced, in control, and growth-minded. It’s like a mini checklist towards achieving my goals.
If your money or finances are part of your goals this year, your daily routine might include:
Checking your bank balance
Reviewing your forecast
Journaling about any mindset blocks
Check in with a friend
Practice self-care
PS – Daily routines are mini steps towards our big goals, so make sure that your days look like where you want to go. Want bite-sized pieces of content like this? Follow along on Instagram >>> @stephanie.skry
We’ve heard just about every adjective to describe the year 2020, and in some ways, it’s exciting to bid adieu to a year that was weird and hard, and welcome in what we hope will be a fresh start.
For me, while there were many challenging moments, like figuring out how to run a business with a preschooler and little baby at home without childcare for several months, it was a year filled with opportunity and abundance. Personally, I’m ending the year with incredible gratitude and love for my family, my team, and my clients. (Want to read my full 2020 recap blog post? Click here )
My team and I spent some time going through our entire client portfolio to see what wins they all experienced this year too, and it blew me away so I thought I’d share with you. Sharing these wins is, in no way, meant to take away from the tough things that many people experienced this year too – illness, death, depression, loneliness, fear, insecurity, poverty, injustice – but I often find hope and inspiration when I see others’ successes and I hope you will too.
Without further ado, the 100 Degrees Consulting 2020 Client Wins:
Many nonprofits were hit incredibly hard this year. Uncertainty in the market caused a significant drop in charitable donations, and many organizations could not operate their programs because of the pandemic. But nonprofit leaders are some of the more adaptable and resilient people I know.
Landed partnerships with major companies to help support programs
Secured significant grant funding, some specifically for COVID relief and others for general operating and program support, ranging from $10k to $3M
Adding staff to help with grant writing, fundraising, and operations
Increased net income by up to 100% from last year
Pivoted in-person experiences, programs, and galas to virtual events that were highly successful
Acquired a $150k low interest SBA loan to support production of artisan goods
All of our nonprofit clients received fully forgivable Paycheck Protection Program funds to help support payroll expenses during Q2 and Q3
Businesses didn’t fare much better across the US. As we sadly watched small businesses in our local towns close their doors, many online businesses did really well in a new reality where we’re all spending our time behind our phone and laptop screens. Entrepreneurs and small business owners are innovative and determined and our clients had some major wins:
Grew net income by 100%+ from last year which means these business owners were able to save for houses, increase their charitable donations, and grow their team – what an amazing ripple effect on a whole community!
Pivoted sales outlets; moving from in-person events to online, from online to strategic shop locations, from Facebook advertising to organic reach, from organic avenues to Facebook advertising. So many leaders tried new things this year that worked!
Added new team members to keep up with increased workload
Acquired new companies to help further expand their reach and support their mission
Opened retirement accounts and began contributing monthly
All of our small business clients received fully forgivable Paycheck Protection Program funds to help support payroll expenses during Q2 and Q3
I move very quickly, too quickly sometimes, and forget to celebrate the wins, no matter how big or small. So before diving directly into the new year, I am celebrating our client wins across the board and thinking about the words that describe the amazing leaders we work with:
What was one of your favorite wins in 2020, big or small?
(Are you looking to set yourself up for stability, clarity, and success in the new year? First, download our Profit Playbook for a template to help you easily visualize your numbers, then schedule a call to chat with a CFO! Click here to get on our calendar)
Lists are kind of my thing. If there are more than two of anything, I will make a list. So December, with its shopping lists, gift guides, and year-end planning to-dos galore, is my favorite time of year.
Speaking of year-end planning, I wanted to share a few things that you can do as a leader to potentially save on taxes and maximize your money, friends!
Many of our clients had a really strong 2020, meaning a large net income. That’s amazing and worthy of celebration, but also comes with a potentially larger tax bill. I like to look at my taxes with gratitude (it means it was a great year!) but I also want to maximize my money because abundance leads to more abundance!
Here are some ideas to maximize your money:
Max out your retirement accounts. I’ve had a SEP IRA for a couple years now and always aim to max it out as early in the year as possible – this particular account lets you contribute 25% of your salary which is awesome. It’s a deductible expense for your business AND tax deferred savings for your future. I know it sounds intimidating, but it took me about 10 minutes to open and contribute to an account. My SEP IRA is at Vanguard.
Donate to your favorite charity. My biggest challenge in donating to charities is choosing which one! I’ve worked with nonprofits for over a decade so it feels nearly impossible to choose just one worthy cause. Charity Navigator and Guidestar are great places to start researching nonprofits if you aren’t sure where exactly to donate. Charitable donations are also tax deductible, so win-win (just check with your CPA on any limits).
Pay all your bills. If you’re looking at significant net income (that’s the money you have left over after all expenses), that also might mean a significant tax bill. To reduce that amount, pay your bills! Examples: you owe your coach a few more installments of your annual coaching program or your second payment for your website design is coming up in January. Pay them all now to increase your 2020 expenses and reduce your tax bill.
Make any large purchases. Okay, listen very carefully. I am, IN NO WAY, advocating purchasing things you don’t need just to reduce your tax bill. However, if you have the cash in the bank (after setting aside your 3 month reserve), and there are major purchases you were going to make in January anyway, buy them now to reduce your net income and tax bill.
Delay your income. Again, this is a strategy for those business owners who have significant net income at the end of the year. If you were planning on billing a client at the end of December, perhaps send your invoice in early January instead, so the revenue is collected next year. In a sense, this is “kicking the can down the road” but who knows what the next 12 months will hold, so why not take the benefit now.
Did you have a year of abundance? Which money maximizing strategies are you using in the next two weeks?
If you want to get on our calendar to maximize your money all year long, schedule a time to chat here >>>
If you aren’t sure which finance pro you need on your team, and the terms bookkeeper, CFO, and CPA are confusing, take our quiz here >>>
Note: This is not tax advice. Please talk to your CPA for specifics on how this applies to your business and personal tax situation.
Many nonprofit leaders are hesitant to create major goals this year, given the instability and uncertainty across the country and in our industry. The fundraising landscape has changed drastically in the last year as donors are reconsidering priorities, so nonprofit leaders are being forced to pivot and adapt constantly.
It may seem easier to stay the course, aim low, and hope for the best in terms of fundraising and programmatic objectives. However, it is vitally important, now more than ever, to create goals for your organization.
What you focus on expands.
Goals help us give regular focus to the end result we want to achieve. When we institute goals, we naturally steer focus there, which drives success.
A big goal without a tactical action plan is not likely to be successful. We need to understand the smaller steps that lead to a larger goal. So the process and plan we discuss below gives you a roadmap to get from where you are now to where you want to be and create the impact you want to achieve.
Goals may look different in each season, but the process of setting goals in your organization remains the same. Here are the five steps your organization should consider to set a strategic plan for the year that you will actually follow and achieve.
Shift your goal-setting mindset. Rather than thinking of your goals, strategic plan, or budget as rules that you must live by, think of them as a flexible roadmap to help you carve a path to your mission and vision. Instead of creating goals rooted in scarcity (e.g. We can only raise $100k this year so let’s see how much we can cram into that budget), create goals rooted in abundance (e.g. We need about $250k to operate the organization effectively and run our programs, so let’s figure out how to raise $250k). Remember, your goals should be a flexible roadmap to abundance!
Format your goals for success. A goal without a plan is just a wish, and a list of wishes won’t get your organization very far. I recommend using a template that breaks down your biggest vision into achievable tactics so you can look back on the year knowing you’ve accomplished it all.
This starts with your big picture vision – in three years, where do you want your organization to be?
Then comes 3-5 strategies to help you achieve that vision – what are the major initiatives you’ll need to accomplish to get you closer to the vision:
Finally are 3-5 tactics under each strategy to actually get things done. These are SMART (Specific, Measurable, Attainable, Relevant, Time-Bound) and will comprise your to-do list throughout the year.
Align your goals and your budget. Your budget and goals must work together. You don’t want to set out to achieve some lofty goals then realize you didn’t budget for any of the resources you’ll need to actually achieve those goals. Review your goals, determine exactly what resources you’ll need to accomplish them, and include those in the budget.
Involve the team in goal-setting. When nonprofit leaders involve their teams in goal-setting and are transparent about the direction the organization is going, the team gains a greater sense of ownership for the success of these goals. When your team has a greater sense of ownership, they will be more engaged and committed to accomplishing the goals. But how do you actually involve your staff?
Create teams either by department or cross-department, depending on the size of your organization
Set parameters for the team so the goal-setting process doesn’t become a wishlist exercise. An example is: What are our three most important strategies for next. year?
Bring the team’s work back to discuss as a larger group and incorporate suggestions into the organizational goals.
Roll out your goals. Many organizations fall into the habit of setting ambitious goals, getting the team fired up about them, then promptly forgetting about them until it’s time to set goals once again. This is a surefire way to not accomplish the impact you want to have. Here’s what to do instead.
Share your goals with the entire team. Even if they didn’t participate in the goal-setting process, share your vision, strategies, and tactics with the entire organization (board too!) so you can get excited together about where you’re headed and hold each other accountable.
Make your goals visible. Instead of printing them out, putting in a binder, and filing that binder away for the year, hang your goals on the wall! Give each team member a laminated copy to hang at their desk. Put them in the office break room.
Hold everyone accountable. Report on your goals at your staff meetings at least quarterly, so everyone understands the progress and how they can contribute to the organization’s success.
Now that you know the five steps to creating goals for your nonprofit organization that will actually help you make the impact you want to have this year, it’s time to implement. The beginning of a new year, when you’re also creating your budget, is perfect timing to set these goals, but starting fresh anytime is okay.
Stephanie Skryzowski is a Chief Financial Officer that helps purpose-driven leaders better understand and use their numbers to make smart decisions and grow their impact. She is the Founder and CEO of 100 Degrees Consulting which provides CFO and bookkeeping services to nonprofits and purpose-driven businesses around the globe. When she is not crunching the numbers in Excel, Stephanie is hiking and exploring with her husband and young daughters.
There are a million ways to make a decision in your business.
Look at the profit margin.
Make a pros and cons list.
Trust your gut instinct and what feels best.
Do what you’ve done before.
Do what you’ve never done before.
In different situations, you might use different methods to make a decision, or perhaps you use a combination of several.
I have another one for you that I love to use when making decisions:
analyzing time margin vs. money margin.
Here’s an example of what I mean.
You want to create a new revenue stream. Maybe it’s a new course offering or maybe it’s an evergreen funnel for a program you’ve been live launching.
You have two options:
Pay someone to do this for you.
Google it out and do it yourself.
Now, most of the advice we see from internet marketers and entrepreneur gurus are: HIRE! ALWAYS HIRE! Don’t do anything except a few special tasks yourself! That’s okay advice sometimes but not always. If your revenue streams are not strong or profit margins are too low, hiring out for every single thing is just going to drain your savings or put you in debt.
Before making the decision about how to go about creating this course or funnel, you need to ask yourself the question: Do I have more time or money right now?
Maybe you’re in the early stages of your business, don’t have a ton of revenue, and are working on slowly growing. You have more time than money because your client load isn’t super full yet, so you’re probably best of doing this yourself.
On the flip side, maybe business is booming. You’re being pulled in a ton of different directions within your business and are working a lot. Clients and customers keep signing on and buying your products or services left and right and your head is barely above water managing it all.
If this is you, do not try to create something new yourself! Hire someone! Assuming profit margins are strong, you have more money than time and should pay someone else to do this for you.
Do you ever use the time margin vs. money margin method to make decisions in your business?
Need help understanding if your profit margins are strong enough to hire someone? Grab our free Profit Plan to help figure it out! Click here>> 100degreesconsulting.com/plan
Hold onto your seats because I have a potentially controversial opinion to share with you today:
Debt is not inherently bad.
I get asked the question a lot: Is it ever okay to take on debt in my business? Should I get a loan or use a credit card in my business?
We are conditioned to believe that debt in our personal lives is bad, and in many cases consumer debt holds us back from true financial freedom.
Spending more than you make is only a recipe for disaster and the same is true in our businesses. It can be very easy to invest in our businesses too soon, hire the wrong people, get more software and systems than we really need, and dump money into strategies that haven’t proven themselves to work yet.
I’ve found that overspending often leads to taking on debt with a false hope that the cash influx will magically change habits and solve all of your problems.
I think we can all agree that that solution never works.
However! Using a business credit card or obtaining a loan or line of credit can work really well in certain situations and is totally acceptable in my book. Now before you run out and apply for the first loan you can find, I am going to share when it’s okay to take on debt in your business, when it’s not okay, and what you must absolutely do first!
Ready?
It can be okay to take on debt when…
Timing is an issue. Many businesses have high months and low months. They know, based on historical numbers, that a particular month or quarter is slow in terms of revenue, but that the following quarter always picks back up again. They may need an influx of cash to cover operating or advertising expenses in advance of a big sales month and this is when it’s okay to take on debt. They know that sales are basically guaranteed, and are substantial enough to cover any debt they take on.
You need capital expenses for production. Other businesses may need cash in order to produce a particular product or line in advance of sales, especially if there is not unrestricted or generating operating cash to fund manufacturing or production. This is another time when it’s okay to take on debt to produce products, provided there is a proven market to purchase the product at healthy margins.
On the flip side, it is not okay to take on debt when…
You don’t have a proven business model and/or a plan for revenue. I am only comfortable with a business taking on debt if they have already been successful with their current business model. People have already purchased your products or services and it isn’t a brand new, untested idea. The last thing you want is a boatload of inventory, no one to purchase it, AND a brand new debt payment you can’t make. So test that idea before taking on debt!
You haven’t tried other things to improve your cash flow first. If you find yourself short on cash, I do not recommend taking on debt before doing what you can to improve your situation first. Cut unnecessary and unused expenses, reduce those that aren’t generating a solid ROI, and increase revenue streams that ARE working. Debt is NOT the easy way out so work through your P&L before taking on significant debt.
Now that you’ve read the above and think your business still might be a candidate for a loan or line of credit, here’s what you must do first…
Create a 12-18 month forecast of revenue, expenses, and cash. Think through the future of your business and map out every revenue stream, every expense, and your cash flow for the next 12-18 months. This may seem like a long time, but you want to ensure that your business is growing in the right direction, profit is strong, and you will absolutely have the cash to repay the loan or credit card, when payments start to kick in. Need a template? Grab one here: 100degreesconsulting.com/plan
The forecast must include a realistic path to profit and debt repayment. The key word here is realistic: your forecast should assume the most realistic revenue, expense, and cash scenarios. Think about scale – maybe your product or service will sell a few the first month, more the following month, and be full-scale in month three. Think about timing – your launch may be projected to having amazing sales in November, but the cash might not land in your bank account until December.
So, to summarize my stance on business debt: I’m okay with temporary debt if you have a proven business model, revenue stream, and 12-18 month projections for repayment and strong margins. I’m not okay with debt if you’re using it to fund ongoing operating deficits.
Sometimes putting things on a credit card or taking out a loan is simply a matter of timing – if your business is cyclical, a quick cash infusion may help keep you in the black until revenue picks up and you’re easily able to pay it back.
The key is knowing exactly what’s around the bend with a forecast.
What do you think? Are you anti business debt or do you believe it’s okay under certain circumstances?
It’s funny looking back on our 2020 goals because the world was so incredibly different just 11 short months ago.
Travel was a big priority for my family and me, I had at least half a dozen conferences in cities around the country planned, plus exciting trips to work in-person with clients. I also wanted to grow my team and bring them together at a beautiful AirBnb overlooking the ocean somewhere.
None of that happened in exactly the way I’d planned, but in some ways, it was better. I haven’t been on an airplane in over a year but our family discovered our new favorite road trip destination – coastal Maine. I presented at virtual conferences in front of thousands more people than would’ve been there in person. I grew my team beyond my wildest dreams and brought them together for a virtual retreat instead.
I shared the live updates on social media during our team retreat week but wanted to share more behind the scenes in a full blog post. So here’s how we planned our virtual team retreat.
Determine goals. The very first thing that my Operations Director and I did was figure out what we actually wanted to get out of our time together. We’re all incredibly busy, so the top priority for me was to make our time worthwhile. My goals (incorporating ideas from the team) were:
Build relationships and establish norms for future collaboration
Begin putting together a 2021 plan for all facets of the business – client-facing and internal
Provide professional development for the whole team
Map out an agenda. Once we had our rough goals in place, we mapped them out on the calendar. Since we were virtual, I didn’t want everyone to get Zoom burnout, so we determined that five 2-hour sessions would comprise our entire retreat; three morning sessions and two afternoon sessions, from Wednesday through Friday. Here’s what our agenda looked like:
Wednesday AM: Discuss 2020 wins and challenges, discuss 2021 goals
Friday AM: Team presentations and wrap-up with action items
Hire experts. One of our goals was to provide professional development for the whole team and since I’m not an expert on everything (shocker, I know!), we decided to bring in paid experts to teach our team. Here are the experts we decided on:
I love personality tests and have recently been incredibly enlightened by Strengths Finder, so I paid for each team member to take the full assessment, then brought in an expert to analyze them and teach us how we can use that knowledge in our work and lives.
Productivity was one of the things our team expressed interest in, so our Operations Director did a great presentation with several dozen productivity hacks, from software tricks to ideas on setting boundaries. The team LOVED this session – we’re all busy women, so this was exciting.
Self-care was another topic that our team expressed interest in (many of us are mamas, so self-care tends to be put aside often!), so I hired a mindset coach to help us examine how we can incorporate more self-care into our lives. It was incredibly enlightening!
Ask the team. Our team’s input both before and during the retreat was crucial. Our business is no longer The Stephanie Show, so it was important to me to make sure all voices were heard. We sent them a pre-retreat questionnaire, asking questions about both their wins and challenges, their personal and professional goals, and how we can grow and better support our clients. Our Operations Director compiled the results and this was the basis of our first session’s discussion. It gave us a great jumping off point for the week.
Make it special. My team knows I’m obsessed with curating and sending gifts and the retreat was the perfect opportunity to send each woman a little care package so our time together felt special and out of the ordinary. I put together gift boxes with cozy socks, an inspirational mug, a coaster from Nepal, a notebook, a handwritten note, and a Starbucks gift card so that everyone felt special and cozy!
Remove yourself. As the CEO of the organization, I wanted to give authority and ownership to the team and step out of their way, empowering them to brainstorm and come up with ideas without me. I’ve found that when the CEO is always in the room, people consciously and unconsciously tend to lean in their direction and I want to hear from others! So we had a breakout session where our CFO team and Marketing/Ops team brainstormed and began to build their 2021 plans, then they presented them to the whole team the next day. I loved seeing what they came up with!
Make it actionable. One of my pet peeves is walking away from a conference overwhelmed with information, but no clear action items. If we didn’t actually implement anything we learned, then what was the point?! So we spent our Friday session going around and sharing one thing we planned to incorporate into our daily lives and work now, and one goal we have for 2021. We are going to follow-up on these in future team meetings too.
Have fun! This was probably the toughest for me, as I’m not a dance party on Zoom kinda gal. But we kept it light, chatted before each session, and showed up to contribute and support. Here’s hoping an in-person experience, at a beautiful oceanfront home complete with dinners out and champagne toasts, is in our future!
What questions do you have? Have you ever hosted a virtual team retreat?
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