Practising your craft is one thing. Running the business is a whole other ball game...

Many service providers share the same frustrations; we graduate with an incredible skill set for helping people, but feel less prepared for the financial side of running a business.  Revenue comes in unevenly, business expenses pop up unexpectedly, tax instalments and GST are easy to underestimate, and then you need to make sure there’s enough left over for your personal life, too.  It’s overwhelming—and without a clear system, it’s far too easy to slip into debt or constantly feel behind. 

Get it on it's own, or purchase one of the accompanying tools

If you're not really into spreadsheets or you just don't like computers, that's a-ok. You can still benefit from the knowledge the course offers and apply what you learn in your own way.  On the other hand, if you want to make things easier, you can choose between two spreadsheet tools.  The Tax Tracker is a smaller tax-prep focused tool that gets your bookkeeping summarized and your bank account prepared for quarterly instalments and your final tax bill.  The Financial Freedom Blueprint is a larger spreadsheet that offers everything I just mentioned PLUS planning and tracking for personal and business monthly bills and future goals. 

Hi, I'm Heather

I started my business shortly after my 21st birthday, and I felt completely unprepared. Supporting myself for the first time, paying off debt, and figuring out taxes while growing a business? It was a lot.  Over the years, I started educating myself on the different pieces of managing my money, and today, I’m out of debt, have a strong emergency fund, and can confidently and successfully plan ahead for taxes and big expenses. I decided it was time to share what I’ve learned with my peers and create the resource that I wish had existed when I first got started.

Here's what we get into...

Reflection

Early in the course you will do a little deep dive into your numbers - what does your business cost you to run each month? Your personal life? What are your spending habits, really? And what would you like to work towards? 

Money Management 

We then get in to ways you can work towards your goals and make sure all your needs are met ... since our income is variable!

Tax prep

You will also learn a lot about bookkeeping, GST and income taxes. When to make instalments vs remit, an overview of how the calculations work so the numbers are never a shock, and how to make sure everything gets paid on time so you can avoid costly mistakes and interest charges.

Your finances.  Finally under control.

Pick up the Financial Freedom Course and start feeling confident about your finances — business and personal.

$80.00

Enroll now

Course Curriculum

7 Chapters · 28 Lessons

    1. (Included in full purchase)

      Welcome!

    2. (Included in full purchase)

      What is your goal, today?

    1. (Included in full purchase)

      Structure & Separation

    2. (Included in full purchase)

      Your Baseline

    3. (Included in full purchase)

      Printable Worksheets

    4. (Included in full purchase)

      Leveraging Debt

    1. (Included in full purchase)

      Write-off checklist

    2. (Included in full purchase)

      Things that are NOT write-offs

    3. (Included in full purchase)

      How to Document Write-offs and Why

    4. (Included in full purchase)

      NEW! Proposed capital expense changes

    5. (Included in full purchase)

      Categorizing expenses checklist

    6. (Included in full purchase)

      What about board exam fees?

    1. (Included in full purchase)

      When to get a GST number

    2. (Included in full purchase)

      Regular Method vs Quick Method

    3. (Included in full purchase)

      Switching to (or from) the Quick Method

    4. (Included in full purchase)

      When to Pay & File Your GST

    5. (Included in full purchase)

      Remittance Form - Quick Method

    6. (Included in full purchase)

      Remittance Form - Regular Method

    7. (Included in full purchase)

      Need a Netfile Access Code?

    1. (Included in full purchase)

      The Basic Calculations

    2. (Included in full purchase)

      Tax Credits

    3. (Included in full purchase)

      Tax Brackets

    4. (Included in full purchase)

      Tax Time Checklist

    5. (Included in full purchase)

      Long Term Storage

    6. (Included in full purchase)

      Monthly Bookkeeping Checklist (for storage)

    1. (Included in full purchase)

      Budgeting

    2. (Included in full purchase)

      Credit Card Hygiene

    1. (Included in full purchase)

      Sources

Considerations & FAQ's

Target Audience: The Tax Tracker, Financial Freedom Blueprint and Financial Freedom Course are designed for sole proprietorship service providers in BC. Purpose: The Tax Tracker, Financial Freedom Blueprint and Financial Freedom Course are intended to provide structure and guidelines to help service providers plan and track their financial goals and prepare for tax season confidently. PDP Credits: Unfortunately the College governing BC RMTs does not recognize business related education as an acceptable learning activity for PDP goals. Timeline: The Tax Tracker and the Financial Freedom Blueprint spreadsheets are designed to be used from January 1-December 31. A fresh spreadsheet will be available each new year – currently via repurchasing, eventually via an auto-renewal membership on Thinkific. DIY Bookkeeping: Many service providers prefer to manage their own books, so there are bookkeeping summary pages towards the end of the spreadsheet document. As you enter your monthly expenses, the spreadsheet will compile all expenses categorized the same way and give grand totals on a printer-friendly page that you can hand over to your accountant at tax time. Expense Tracking: You can enter all business expenses in the tracker. If an expense is not a full write off, or you’re unsure if it is a write off at all, you can choose to exclude it from that month’s tax planning estimator calculations – this keeps your monthly tax prep on the safe side, but still lists these purchases in your bookkeeping summaries for your accountant to see. Just make sure all partial expenses or potentially non-eligible expenses are categorized in a way that will make them stand out in the bookkeeping summaries. *This will be covered in more detail in the tutorials. Scope: The Tax Planning Estimators in the Tax Tracker and The Financial Freedom Blueprint spreadsheets create estimations using only your business revenue, the business expenses you’ve confidently included in that month’s plan, and the RRSP contributions you entered in the estimator. Other income sources or tax write-offs like medical expenses and child care costs are not taken into consideration. Tax Estimations: All GST, CPP and provincial and federal tax estimations are just that – estimates. The Tax Tracker merely points out how much GST you collected and should set aside. The Financial Freedom Blueprint does the same AND provides estimates for the Quick Method GST and Regular Method GST remittance. (In 2027, the Tax Tracker will too). *It is best practice to set all GST collected aside until you confirm what you need to remit each quarter, or at tax time if you file annually. The monthly Tax Planning Estimators do not take the Basic Personal Amount tax credits into account. Instead, they have you setting tax prep money aside from the first dollar you earn. This is what creates that ‘forced savings’ effect and will have you very comfortably prepared for tax season. Limitations: The Tax Tracker and Financial Freedom Blueprint spreadsheets are not substitutes for personalized guidance from financial professionals. Human error, misuse, or incorrect data input may affect the accuracy of the estimations. The aim is to keep you generously prepared and well organized—not to have you filing your own taxes. A bookkeeper can catch mistakes by reviewing every receipt, whereas an accountant usually works from summaries and won’t see the smaller errors. Without that professional review, you carry full responsibility with the CRA. Technical Requirements: The Tax Tracker and Financial Freedom Blueprint spreadsheets are delivered as Google Sheets, so you will need a Google/Gmail account to access them. Ownership: These organizational tools (the spreadsheets) and the supporting educational content (the Financial Freedom Course) are Heather Green’s intellectual property. Please do not share or distribute them.