Why Every Solopreneur Needs a Money Date (and How to Make It Work)

As solopreneurs we constantly juggle competing priorities. Our to-do lists are overflowing with tasks that demand immediate attention - from client needs and marketing efforts to bookkeeping and administrative work.  And the ones that bring in the revenue (client work and marketing) tend to get the most love because, well, they bring in the money.  But let’s be honest, if we don't make time to manage that money regularly, that time will be forced upon us at tax time or when something goes wrong.  And it can be too late at that point to really do anything to fix any problems.

That is why I recommend a regular money date.

A money date is a dedicated time to check in on your finances, track your cash flow, and set or adjust goals —all without stress or confusion. Instead of avoiding your numbers, you create a simple, consistent routine that helps you feel in control of your business finances.

Ready to start? Let’s break down how to make money dates a habit and what you should focus on.

What Is a Money Date?

A money date is a scheduled time to sit down and review your business finances. Think of it as a regular check-in—just like you might review your marketing strategy, client projects, or business goals. The key is to make it intentional, not something you rush through when you're already stressed.

It’s not about spreadsheets and headaches—it’s about clarity, confidence, and control over your business money.

Why Solopreneurs Need a Money Date:

1. It Helps You Stay on Top of Cash Flow

One of the biggest challenges for solopreneurs is managing cash flow. A money date helps you track what’s coming in, what’s going out, and whether you’re on track to meet your revenue goals.

2. You Avoid Year-End Tax Stress

Instead of scrambling at tax time, money dates help you stay organized year-round. You’ll always know where your income and expenses stand, making tax prep much smoother.

3. It Reduces Money Anxiety

Many solopreneurs avoid looking at their numbers because they fear what they’ll see. But regularly checking in on your finances gives you control. Even if the numbers aren’t where you want them to be, you can make informed decisions and adjust as needed.

4. You Can Make Smart Business Decisions

Want to invest in a course? Hire a freelancer? Take time off? Buy new equipment? When you know your numbers, you can confidently make decisions that support your business growth instead of guessing.

How to Set Up Your Money Date

1. Choose Your Frequency

How often should you have a money date? Most solopreneurs find that weekly or biweekly check-ins work best. If you’re just getting started, try once a month and adjust as needed.

2. Set the Mood

Make it enjoyable! Your money date doesn’t have to be stressful. Pour a cup of coffee, play your favorite playlist, and get comfortable. The goal is to create a positive association with reviewing your numbers.

3. Know What to Review

Here’s a simple checklist to guide your money date:

✅ Review your income: How much did you make this week/month? Are there unpaid invoices?

✅ Track your expenses: What did you spend money on? Are there any subscriptions you no longer need?

✅ Check your cash flow: Do you have enough to cover upcoming expenses?  Look at the calendar, make sure you are planning for those quarterly or annual expenses as well.

✅ Plan for taxes: Set aside a percentage of your income for taxes so there are no surprises later.

✅ Set financial goals: Are you on track for your revenue goals? Do you need to adjust your pricing or marketing efforts?

4. Celebrate Small Wins

Did you hit a revenue milestone? Reduce expenses? Finally track your receipts consistently? Celebrate it! Acknowledging progress—no matter how small—helps you stay motivated to keep up with your money dates.

Make Money Dates a Habit

Like any habit, consistency is key. Add your money date to your calendar and treat it like an important meeting with your business. Over time, it will feel less like a task and more like an empowering ritual.

When you regularly check in with your numbers, you gain confidence in your finances and make smarter business decisions. No more financial guesswork—just clarity and control over your business money.

So, when’s your first money date? Pick a time, grab your favorite drink, and take charge of your financial future—one check-in at a time.

Need help getting started? If bookkeeping still feels overwhelming or you need help setting up a bookkeeping routine that works for you, Fournier Accounting & Bookkeeping Services is here to help! Whether it’s a one-time check-in or ongoing support, we can help you feel confident in your numbers. Reach out today and let’s get your books back on track!