Mid-year reality check: How's your business really doing?


Time for Some Real Talk
About Your Business


Hey there, Reader -

I hope you managed to squeeze in some BBQ, fireworks, and maybe even a little R&R over the long holiday weekend! There's something magical about a long weekend that gives us just enough time to step back and think about the bigger picture, right?

And speaking of stepping back... I know... I know... it's been a hot minute since my last newsletter! Life (and college baseball) has a way of keeping us all busy in the spring. But I'm back and ready to dive into some real talk about YOUR BUSINESS.

It is hard to believe that we are already past the halfway point of 2025 (YES, it really is July). Which means, it's time for our Mid-Year Reality Check.

So... how are things really going with your business? Let's find out... shall we?

The 5 Questions You Should Be Asking

1. Is your business on track to hit your Revenue goals?

Revenue is just one of the metrics and I'm certain you're all tracking, right? After all, we're all in business selling something! 😅 If you're not sure, well, it's time to take a hard look at your numbers. If you're behind, there's still time to course-correct!

2. How's your cash flow looking?

Is it flowing like a gentle stream or more like an unpredictable sprinkler head on the golf course? Summer can be tricky for many businesses! Are you successfully managing your cash flow from month to month?

3. What's your profit margin telling you?

Revenue is vanity, profit is sanity! Honestly, it doesn't really matter what you make (revenue) as much as what you keep (profit). Are you actually making money, or just staying really, really busy?

4. Are your expenses under control?

Those "small" monthly subscriptions multiply faster than rabbits. 🐰 Seriously, when did we all become subscription collectors? Take a hard look at your expenses... line item by line item. Make sure there's no 'extras' that shouldn't be there. Time to trim the fat!

5. Do you have a clear financial roadmap for the rest of the year?

Winging it might work for weekend plans, but your business needs a real roadmap! 'Cause if you don't know where you're going (destination) and don't have a plan in place to get there (a financial GPS), how do you know what where to turn if you need to course correct?

🚩Red Flags🚩
That Need Immediate Attention

(The "Oh Crap" Moments)

🚩You're not sure what your actual profit margins are (and you're afraid to find out)

🚩Cash flow feels like a constant roller coaster

🚩You're making financial decisions based on your bank balance alone (a.k.a. "financial roulette")

🚩Your books are months behind (tax season anxiety, anyone?)

🚩You have no clear financial goals for Q3 and Q4 (winging it is not a strategy, my friend!)

If any of these sound familiar.... don't worry – you're probably not alone! Being a business owner is a lot of hard work. But all of this is totally fixable!

Good News: There's Still Time!

(And No, I'm Not Just Saying That)

Just like how you planned that perfect holiday weekend (until Uncle Bob showed up uninvited), you can plan an amazing second half of 2025 for your business!

Whether you need to:

  • Catch up or Clean up those messy books from the first half of the year
  • Implement better financial tracking systems (goodbye, shoebox method!)
  • Create a realistic budget and forecast (emphasis on realistic)
  • Develop strategies to boost profitability (because who doesn't want more money?)

...we've got you covered like sunscreen at a beach party!

FREE CASH FLOW TRACKER

If this newsletter made you laugh AND made you slightly uncomfortable about your business finances (the best kind of wake-up call!), we're here to help you get your financial house in order so you can finish 2025 strong.

Download our free Cash Flow Tracker to start getting a handle on your numbers today – it's a game-changer and way more exciting than it sounds!

NEED HELP?

And if all this is a little too overwhelming, you don't have to do it alone. We're here for you!

Need immediate help with catch-up work? Our Historical Catch Up / Clean-Up services can get your books back on track faster than you can say "QuickBooks Online".

Want help in making smarter business decisions that help drive REVENUE, PROFIT and CASH FLOW? Our Business and CFO Advisory services can help you create sustainable growth strategies (and maybe even take a real vacation). Book a call with us to see if we're a good fit to work with you.

Remember: Your business should be working FOR you, not the other way around. Let's make sure the second half of 2025 is your most profitable yet!

Cheering you on (and promising to be more consistent with these newsletters... for real this time!)!

Pam Greb
Owner | Certified CFO
Cloud9 Financial

600 1st Ave, Ste 330 PMB 92768, Seattle, WA 98104-2246
Unsubscribe · Preferences

You're receiving this newsletter because at some point or other, our paths have crossed. Maybe you're a client of mine, or booked a consultation with us previously or maybe you attended one of our webinars, or we met at a networking event. Whatever the reason, I'm so happy you're here! If for some reason you'd rather not hear from me :-( just click the UNSUBSCRIBE button below. But I sure do hope you'll stay.

JOIN OUR eMAIL LIST

Our focus in on helping small businesses succeed! We'll share our knowledge and tips for how to increase your profitability, revenue and CASH FLOW! Don't forget to connect with us on our socials below!

Read more from JOIN OUR eMAIL LIST

Business, Bookkeeping, and Taxes... Oh My!! Hi Reader, Welcome to the FINAL STRETCH of 2025! As you know, December is an important month for business owners. With year end officially here and the holidays in full swing, this is the best time to wrap up loose ends and make sure your financials are ready for a smooth start to the new year. I know... I know... so much to do and so little time left! Friendly reminder to start now! Seriously..... No time like the present! So here's a few tips on...

WEBINAR RECORDING

Hi Reader - Thank you to those of you who attended the webinar live this morning with Erin and I! You brought the questions for sure! As promised here is a link to the recording. Feel free to spread the word by forwarding the recording link along to your fellow entrepreneurs who may not be aware of these changes! Click here --> WEBINAR RECORDING Here are a few of the key takeaways: In Washington State - Starting Oct 1, 2025, additional retail (sales) tax applies to specific digital services...

Seattle WA DOR taxes Webinar

Hi Reader - Wow — after last week’s newsletter (you can find it here) about the new WA sales tax rules, my inbox has been overflowing with questions. You’re not alone — this change is confusing even for us accountants! That’s why I’m teaming up with my friend and fellow firm owner, Erin Pohan of UpKeeping to host a FREE LIVE WEBINAR this Friday to share updates on the new Digital Automated Services (DAS) tax and how it might impact your business . We’ll cover: ✨ What's changing ✨ Who it...