Harriet Humber Coaching

26/09/2025

Feel-Good Friday 🎉

Can we just take a moment to appreciate how resilient small businesses are? 💪

This week I've been thinking about all the challenges you face as business owners - from supply chain hiccups to late-paying customers, from rising costs to seasonal dips. Yet here you are, still showing up, still serving your customers, still chasing your dreams.

You pivot when things don't go to plan 🔄
You find creative solutions when budgets are tight 💡
You work longer hours to make things happen ⏰
You put your heart and soul into everything you do ❤️

That's not just "running a business" - that's pure resilience in action!

Whether you're a baker getting up at 4am to make fresh bread, a consultant burning the midnight oil to meet a deadline, or a shop owner smiling at every customer even when you're exhausted - you're showing incredible strength every single day.

The big corporations might have fancy offices and huge budgets, but they'll never have what you have: that personal touch, that genuine care, that determination to make your corner of the world a little bit better.

So this Friday, give yourself credit for being absolutely amazing. Your resilience inspires me every single day! 🌟

What's one way your business has shown resilience this week? Let's celebrate together!

25/09/2025

Quick Win Thursday 🚀

The "Friday Finance Check" - your new best friend!

Every Friday at 4pm (or whenever you finish your last cuppa ☕), spend just 10 minutes asking yourself:

💰 How much money came in this week?
📝 What did I spend on the business?
📋 Who owes me money?
💳 What bills are due next week?
🎯 Am I on track for this month?

That's it! No spreadsheets, no complicated software - just 10 minutes of honest questions with yourself.

Why Friday? Because it's fresh in your mind, and you can enjoy your weekend knowing exactly where you stand. Plus, if there's anything urgent, you can sort it out on Monday instead of panicking on Sunday night! 😅

The magic happens when you do this consistently. After a month, you'll spot patterns. After three months, you'll feel completely in control of your finances.

Try it this Friday and let me know how it goes! What's your biggest "aha moment" likely to be?

24/09/2025

What This Actually Means Wednesday 🤔

"Cash Flow" - sounds super technical and scary, right?

But honestly, it's just your business breathing! 💨

Think of it this way: Cash flow is simply money coming IN (from customers paying you) and money going OUT (paying your bills, buying stock, that coffee you definitely needed ☕).

When you have good cash flow = your business is breathing easily 😌
When cash flow is tight = your business is holding its breath 😰

It's not about complicated charts or fancy software. It's asking simple questions like:
• "Do I have enough money to pay my bills this month?"
• "When will my customers pay me?"
• "Can I afford that new equipment next week?"

That's it! You're already thinking about cash flow every day - you just didn't know that's what it was called!

The goal? Keep more money flowing IN than flowing OUT, and try to time it so you're never gasping for air.

Still confused by any financial terms? Drop them below - I love making the complicated stuff simple!

23/09/2025

Behind Every Number Tuesday ✨

Meet Tom* - the handyman who thought he was "just getting by" until we looked at his books together! 🔨

When Tom first came to me, he was exhausted from chasing late payments and never knowing if he had enough money to cover his van insurance next month. He'd finish a job, send a rough invoice weeks later, then wait... and wait... and wait for payment.

Sound familiar?

We sat down with a proper cuppa ☕ and created a simple system:
✅ Professional invoices sent the same day work finishes
✅ Clear payment terms (7 days, not "whenever")
✅ Polite but firm follow-up system
✅ Separate business account so he could see his real profit

Six months later? Tom's cash flow is steady, he's booked solid with repeat customers, and he's even treating himself to that new tool set he'd been eyeing for months! 🛠️

The best part? Tom said "I finally feel like a proper business owner, not just someone with a van and some tools."

Sometimes all it takes is organizing what you're already doing brilliantly - just with a bit more structure!

Got your own cash flow challenges? Let's chat about simple systems that actually work!

*The Names Have Been Changes To Protect The Sucessful!

22/09/2025

Real Talk Monday 💭

"I'm just not good with numbers..."

I hear this ALL the time, and honestly? It breaks my heart a little bit. 💔

Here's the truth: you don't need to be a maths genius to run a successful business! You already know the most important numbers - how much you charge, what you spend, whether you're making money this month.

The scary "accounting stuff"? That's just organising what you already know into a format that makes sense. It's like sorting your wardrobe - you know what clothes you have, you just need a system to keep track! 👗

Some of the most successful business owners I work with still count on their fingers sometimes (and there's absolutely nothing wrong with that!). What matters is understanding your business, not being able to do complex calculations in your head.

You're already good with the numbers that matter - your prices, your costs, your goals. Everything else? That's what people like me are here for! ☕

Anyone else been told they're "not a numbers person"? Let's bust that myth together!

19/09/2025

Feel-Good Friday 🎉

A big shoutout to all the small business owners keeping our towns buzzing! This week’s highlight: helping a bakery owner realise she’s not "just getting by" – she’s building something amazing (and delicious!). Never underestimate your impact. 🍞❤️

What’s made you feel proud this week? Let’s celebrate together! 🙌

17/09/2025

What This Actually Means Wednesday 🤓

“Gross profit” sounds super technical, but it’s really just: after you cover the cost of your products, how much is left for your other business costs? Think of it as your business’s fuel tank! ⛽💷

Still unsure about financial jargon? Pop your questions below! 🙋‍♀️💬

16/09/2025

Behind Every Number Tuesday 💡

Last week, I worked with Sarah, a local jewellery designer who was losing sleep over cash flow. Together, we set up a simple system and now she’s focusing on creating (and sleeping better too!). Your business dreams matter. The numbers just help them shine! ✨💍

What’s your dream for your business? Share it below! 🌟

15/09/2025

Real Talk Monday 💬

Ever opened an HMRC letter and felt your stomach drop? You’re not alone! Most small business owners panic over these, but 9 times out of 10 it’s nothing scary. I help break down what those letters really mean, so you never feel lost or stressed! 😊✨

Have a letter you’re worried about? Drop me a DM or comment below – let’s take the fear out of HMRC! 📩🤝

12/09/2025

Friday win time! 🎉

Shoutout to all the small business owners making things happen this week. Share one thing you’re proud of—big or small! I’ll start: I’m proud to be back, sharing and helping you feel a bit more at home with your numbers. ❤️🙌

11/09/2025

What do you want to hear about next? 🤔

I've really missed hearing your questions and ideas! Drop a topic, worry, or finance myth you'd love to see tackled—nothing is too small or too silly. Your feedback shapes what I share next. 💬✨

30/06/2025

📣Exciting News 📣

It’s been a while in the making but my new website if now live and so is my new brochure!

Check it out at

Welcome to Summ-It Up Welcome to Summ-It Up Limited, where we believe that knowing your small business is like knowing your best friend—familiar, friendly, and absolutely fundamental to your happiness. Dive headfirst into the delightful tapestry of numbers that weave through your finances. With ou...