Setting Money Goals for Your Holistic Business

As a health and wellbeing practitioner, it’s unlikely you started your business with money as the main motivator. You care deeply about helping others - but if your business is going to support you in return, it needs to be financially viable.

Whether you're just starting out or have been in practice for years, setting clear financial goals can bring structure, direction, and peace of mind. Without them, it’s easy to drift or feel overwhelmed.

In this post, I’ll walk you through a simple approach to financial goal setting – it’s the same one I guide clients through in my Planning to Thrive workshop. It's practical and designed to support the life you want to create.

If you don’t have all the information needed, use your best thinking for now. Once you have actual figures, you can check and adapt your goals as required.

Your Personal Income

Your business needs to pay you. The question is: how much do you really need?

Start by working out two key figures:

• Minimum income: What’s the minimum you need to earn from your business to meet your basic needs and commitments?
• Best life income: What would it take to fund your best life? This figure may feel aspirations, but naming it gives you a goal to grow into.

These numbers aren’t about what you think you should earn; they’re about aligning your income with the life you want to lead. And don’t forget to account for tax when setting your figures.

Business Overheads

Next, consider what it costs to run your business – this is what you need to keep your business running, even if you don’t see any clients. You’ll likely have:

• Monthly expenses such as software, phone bills, subscriptions, and room hire.
• Annual costs like insurance, professional memberships, or CPD training.

When you total your yearly overheads, you’ll get a clearer picture of what your business needs to earn in addition to paying you.

Build in a Buffer

A buffer gives you breathing space. It’s there for quiet months, unexpected bills, or simply to reduce money stress.

Ask yourself: What amount would help you feel more secure over the year?

This buffer doesn’t have to be built overnight but including it in your plan means you’ll be working towards greater sustainability.

Your Direct Costs

Alongside your overheads, there’s another category to factor in: the direct costs of delivering your services. These are the additional costs per client that are only incurred when they buy. These include things like room rent per client, materials, postage, commissions, and credit card charges.

You’ll need to keep these in mind when calculating your figures and setting your goals.

Bring It All Together: Your Revenue Goal

Now that you’ve identified:

• Your personal income goal (minimum or best life)
• Your business overheads
• Your desired buffer
• Your direct costs

… you can set a realistic revenue goal.

Here's how it fits together:

• Gross profit goal = personal income + overheads + buffer
• Revenue goal = gross profit + estimated direct costs

Your revenue goal is what your business needs to earn in total to pay you well and run smoothly.

Once you’ve got your total figure, it’s time to break it down.

Break the Goal Down

A big annual number can feel daunting, so break it into smaller chunks:

• Monthly goal
• Weekly goal (allow for taking holidays in your calculation)
• Daily goal (based on how many days you work a week)

For example, to earn a total revenue of £36,000 a year:

• That’s £3,000 per month
• If you work 48 weeks in the year, that’s £750 per week
• If you work 4 days a week, you’ll need to generate £187.50 per day

This makes things more tangible, gives you a basis for pricing and scheduling.

Reality Check: Is It Doable?

Once you’ve done the maths, ask yourself:

• How many sessions or products do I need to sell?
• Do I have the time and capacity to deliver this?
• Am I charging enough?
• How does this compare with what I earned last year?
• What needs to change to make this work?

This is where strategy meets practicality, and why goal setting is such an important part of your business planning.

Want help with your planning?

If you’re ready to stop drifting and start planning for a sustainable, thriving business in 2026, I’d love you to join me at my live workshop:

Planning to Thrive in 2026

Live Online Workshop | Thursday 11 December 2025 | 10.00 am – 2.00 pm GMT

Think of this as a mini retreat for you and your business - a supportive space to step back, breathe, and create a plan that feels both clear and doable.

We’ll go through this exact money goal-setting process together, along with simple tools to help you map your offers, set your priorities, and focus your marketing where it matters.

Imagine heading into the holidays knowing exactly what 2026 looks like and how you plan to make it happen.

Click here to get the full details and book your place.