The Hidden Cash Sitting In Your Business (And How to Find It)

October 6, 2025

A Guide to Recovering Revenue You Didn't Know You Were Losing


When was the last time you reviewed your business subscriptions? From software to streaming services, you could have hundreds of dollars out there that you had forgotten about. That’s money that’s been quietly slipping through the cracks.


Most business owners are so focused on bringing money in the front door that they don't notice it leaking out the back. But this "hidden cash" is actually easier to find than new customers, and the returns are immediate.


It’s a treasure hunt through your business finances so grab your coffee, block off a few hours, and let's go find your money.


Stop #1: The Subscription Graveyard


Time needed: 30-45 minutes

Pull up your bank and credit card statements from the last three months. Look for any recurring charges and ask yourself these questions:

  • When's the last time someone on your team used this service?
  • Are we paying for user seats that employees no longer occupy?
  • Did we upgrade to a premium plan for a feature we used once?
  • Is there a free or cheaper alternative that would work just as well? (This is especially important to ask yourself with many AI programs out there doing things you once needed from desparate pieces of software. Many platforms now do multiple tasks and you can cancel those that are redundant.)


Common culprits include stock photo subscriptions, legacy software that's been replaced but never cancelled, LinkedIn Premium accounts for former salespeople, and that project management tool everyone swore they'd use but didn't.


Action item: Create a simple spreadsheet listing every subscription, its monthly cost, who uses it, and when you last reviewed it. Set a calendar reminder to repeat this exercise every six months.

 

Stop #2: Your Pricing Structure


Time needed: 2-3 hours


When was the last time you looked at your pricing? Not tweaked it, but truly analyzed whether it reflects your current costs, expertise, and market position?


Many business owners set their prices years ago and rarely revisit them. Meanwhile, their costs have increased, their skills have improved, and their market value has grown. You could be leaving significant money on the table.


Here's a quick pricing health check:

  • Compare your pricing to three competitors. Are you significantly lower? Why?
  • Calculate your true cost of delivery TODAY including your time, materials, overhead, and a reasonable profit margin. Are you actually making money on each sale?
  • Review your most and least profitable products or services. Should you be promoting different offerings?
  • Check if you have any "legacy" customers still on old pricing from years ago.


Action item: Block out time next week to analyze your three best-selling products or services. Run the numbers, then consider whether a strategic price increase makes sense.

 

Stop #3: Vendor Contract Review


Time needed: 1-2 hours per major vendor


Your business relationships shouldn't be on autopilot. That insurance policy, cleaning service, or shipping contract you signed three years ago? The market has probably changed, and you might have more negotiating power than you think.


Start with your biggest recurring expenses: rent, insurance, utilities, payment processing, shipping, and major suppliers. For each one, ask:

  • When did we last shop around or renegotiate?
  • Has our volume increased, potentially qualifying us for better rates?
  • Are there competitors offering introductory deals to win our business?
  • What would it take to get a 10% discount—annual prepayment, longer contract, higher volume commitment?


You'd be surprised how often a simple phone call results in immediate savings. For instance, if you were to contact your credit card processor to discuss rates and review options, and they agreed to reduce their processing fees by 0.4%, how much money would that put in your pocket instead of theirs? It’s worth the ask.


Action item: Identify your top five recurring expenses. Make it a goal to renegotiate or shop around for one per month over the next five months.

 

Stop #4: The Cash Flow Calendar


Time needed: 1-2 hours initially


This isn't exactly "hidden" cash, but it's cash you're not accessing efficiently. Many businesses have money trapped in poor timing—paying vendors before they collect from customers, missing early payment discounts, or not taking advantage of favorable payment terms.


Cash flow is the most common reason businesses fail. It’s not failing to make sales; it’s the timing of payments.


Map out a simple cash flow calendar showing:

  • When you typically get paid by customers (net 30, net 60, etc.)
  • When you have to pay vendors and suppliers
  • Any seasonal gaps or crunches in cash availability


Then look for opportunities:

  • Can you incentivize customers to pay faster with small discounts?
  • Should you negotiate longer payment terms with vendors to match your collection cycle?
  • Are you taking advantage of early payment discounts from suppliers when they make financial sense?
  • Could you shift major expenses away from traditionally slow revenue months?


Action item: Create a basic cash flow calendar for the next three months. Look for any obvious timing mismatches or opportunities.

 

Stop #5: Unused Assets and Dead Inventory


Time needed: 2-4 hours


Walk through your space and look for things you're paying to store, maintain, or insure that you're not using.


Physical inventory that hasn't moved in over a year is costing you money in storage, insurance, and opportunity cost. It's better to liquidate it at a discount and redeploy that cash than to let it gather dust. The same goes for equipment you're maintaining but not using, domain names you're not developing, or office space you're renting "just in case."


Action item: Do a physical inventory check. Flag anything that hasn't been touched in 6-12 months and plan to either use it, sell it, or donate it.

 

Stop #6: Tax Advantages You're Missing


Time needed: 1 hour + consultation


The IRS will never contact you to tell you that you’re paying too much. Nor will they call with a helpful “you missed this deduction.”

Some commonly overlooked deductions and strategies include:


  • Home office deduction (if you work from home)
  • Vehicle mileage for business purposes (not just big trips—those coffee meetings count)
  • Professional development and continuing education
  • Equipment purchases that can be immediately expensed under Section 179
  • Health insurance premiums for self-employed individuals
  • Retirement contributions that reduce taxable income


Action item: Schedule a meeting with your accountant specifically to discuss tax optimization strategies. Bring your questions. A good accountant can often find savings that more than pay for their fees.

 

Your 30-Day Treasure Hunt Plan

Finding hidden cash doesn't have to be overwhelming. Start slowly and as you find money, you’ll be emboldened to do more.


Here's a realistic action plan:


Week 1: Review subscriptions and cancel what you don't need (30-45 minutes)

Week 2: Analyze your three best-selling products/services for pricing opportunities (2-3 hours)

Week 3: Contact your biggest vendor to discuss rates and terms (1 hour)

Week 4: Create your cash flow calendar and identify one timing improvement (1-2 hours)


Total time investment: 5-7 hours
Potential monthly recovery: $500-$3,000+
Potential annual recovery: $6,000-$36,000+

 

Finding hidden cash is as easy as setting aside the time to pay attention to the details that get overlooked when you're busy running and growing your company.


The beauty of this is that every dollar you recover goes straight to your bottom line. You don't have to market for it, deliver it, or service it. It's simply money that was already yours. You just needed to find it.




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Christina Metcalf is a writer and women’s speaker who believes in the power of story. She works with small businesses, chambers of commerce, and business professionals who want to make an impression and grow a loyal customer/member base. She is the author of The Glinda Principle, rediscovering the magic within.

_______________________________________

Medium: @christinametcalf

Facebook: @tellyourstorygetemtalking

Instagram: @christinametcalfauthor

LinkedIn: @christinagsmith

September 29, 2025
Think of the person in your circle (even tangentially) who comes to mind when you read the word, “boring.” Who is it? Now ask yourself why you think they’re boring. It’s your opinion, right? Maybe all they do is talk about sports or maybe when you’re talking about sports, they want to talk about the weather. Perhaps they’re not boring at all. Maybe it’s just that you don’t have mutual interests. If your business is struggling to attract loyal customers, it might be that you’re suffering from the same thing. Maybe you’re talking about things your ideal customer doesn’t care about. It’s time to get their attention and become much more interesting to them. The Problem with Basic Marketing The problem many businesses face when it comes to their marketing message isn’t that they are inherently boring. It’s that what they choose to make their message is not something that appeals to their ideal audience. To captivate that audience, you need to first understand who the audience is, then present something that they need/want, and make that solution plausible/believable. But sadly, most businesses and professionals describe their services in generic ways that sound dreamy but completely inactionable or boring such as: A life coach who writes, “I help people follow their dreams.” Or a bakery that posts, “We sell cookies.” Why Generic Messaging Falls Flat Now before you argue, “But it’s what we do,” consider this: when was the last time you searched, “How do I follow my dreams?”? While you don’t have to go into long descriptions about what you do and how you do it, you do need to help your ideal client think to themselves, “That’s what I need.” It’s time to tighten up your marketing message. 1. Identify who you’re speaking to and be specific. Is it moms? Doctors? Students? Who will see the most help from your offerings? 2. Solve a problem they already have. Marketing your product or service will be so much easier if you’re selling something they already know they need. 3. Use language that fits what they’re looking for. Again, very few people are googling, “How do I follow my dreams?”. 4. Show how you can help them get what they want. Your customers have needs, wants, and struggles. They need to trust you understand what that is and can help them. 5. Line up testimonials that speak the same language. If you go through all the work to craft your marketing message, you want to use testimonials that reinforce it. So, let’s put that all together. Remember the life coach who helped people follow their dreams? We’re going to transform that message from meh to mesmerizing. Step 1. Identify the audience Instead of using the generic “people,” the life coach drills down to the realization she works best with mid-career professional women who feel stuck in unfulfilling jobs. Step 2. Solve a problem they already have Their problem isn’t “I can’t follow my dreams.” It’s “I’m burned out in my career and don’t know how to pivot without starting over.” Step 3. Employ the language they’re actually using Her ideal client is more likely searching for phrases like “career change at 40,” “how to find a meaningful job,” or “get unstuck in my career” than “follow my dreams.” Step 4. Show how you can help them get what they want These professional women don’t just want “dreams.” They want clarity, confidence, and an actionable plan to shift into work that lights them up and pays the bills. Step 5. Align testimonials Instead of posting a generic “she helped me follow my dreams,” a stronger testimonial would read something like: “I went from dreading Mondays to launching a consulting business I love. She gave me the tools to make the leap with confidence.” And you could get a testimonial like that by asking a successful client, “What’s changed in your life after working with me? Where were you before and where are you now?” That leads the client into formulating something much more substantial than, “She helped me so much.” Are you ready for the revamped marketing message/elevator pitch? Instead of “I help people follow their dreams,” it’s now… “I help professional women in their 40s who feel stuck in unfulfilling careers gain the clarity and confidence to pivot into work they love without sacrificing income or starting from scratch.” Hear the difference? Now we know exactly who can benefit. There’s no mistaking it and anyone thinking of giving this life coach a referral knows who she’s looking to work with. Those few simple words transform the original vague promise into something specific, problem-solving, and benefits driven. And that means people hearing it and reading it will know when they are the target audience. READ MORE: Are You Accidentally Repelling Perfect Customers? Fast-Track Trust: How to Win Customers Quickly Helping Customers Move Past "Let Me Think About It" ------------------------- Christina Metcalf is a writer and women’s speaker who believes in the power of story. She works with small businesses, chambers of commerce, and business professionals who want to make an impression and grow a loyal customer/member base. She is the author of The Glinda Principle , rediscovering the magic within. _______________________________________ Facebook: @tellyourstorygetemtalking Instagram: @christinametcalfauthor LinkedIn: @christinagsmith
By Lauren Batchelor September 22, 2025
Mastering the Art of Sharing (but not oversharing) Your audience wants to hear from you and get to know you, but oversharing (or sharing inappropriate topics) comes with its own set of problems. Sharing engaging things about yourself will help you build the kind of connections that improve revenue and customer loyalty. If you want to help your customers (and potential customers) get to know you better, we have 15 conversation starters (and post templates you can customize) to help. 1. Your Favorite Local Spot πŸ“ “When I’m not at [Your Business], you’ll probably find me at [Local Spot] [verb that fits that business] on my favorite [favorite thing about that business]. What’s YOUR go-to place in town?” Example: When I’m not here, I’m at Rocco’s Bookstore sipping my favorite caramel latte and perusing the true crime books. What’s YOUR go-to place in town? 2. Morning Rituals How do you start your day? Share it with your audience. Example: β˜• “Confession: I’m 90% coffee, 10% small business owner in the morning. How do you start your day?” 3. Behind-the-Scenes Moments What is working in your line of business really like? Keep it positive but don’t be afraid to show the hard work or humor behind your day. πŸ“¦ “Behind the scenes isn’t always glamorous. Today it’s [describe something funny/chaotic or show a picture or video of what you’re working on]. What’s something most people don’t know about your line of work?” 4. Local Events You Enjoy This is a great way to give a shoutout to another business or group. 🎢 “Loved spending my weekend at [Event Name]! Who else was there? πŸ™Œ” 5. Your “Small Joys” Life can be overwhelming. Sharing what keeps you grounded can help others feel the same. πŸŒ… “Today’s joy: [small moment—like a great cup of coffee, a laugh with a customer, or a pretty sunset]. What made you smile today?” 6. Books or Podcasts You’re Loving πŸ“š “Currently reading/listening to [Book/Podcast]. It’s got me thinking about [short insight]. Any recommendations I should add to my list?” 7. Pet (or Plant) Adventures 🐾 “Meet our unpaid intern, [Pet’s Name]. Their specialties include napping, snack theft, and morale boosting. 🐢🐱 Show me your ‘coworkers’ in the comments!” People love to talk about their pets and share photos. Plus, it gives you a point of conversation when a loyal customer shares something about their precious fur baby. 8. Food Finds Give other businesses a chance to shine by asking people their favorite or giving them a scenario and asking where you should go such as, “It’s Taco Tuesday. Where are the best fish tacos in town?” or “I love the fish tacos at Julies. Are you team fish or team beef when it comes to that delicious dish?” By asking, you’ll discover people have big feelings about fish tacos (and Hawaiian pizza). πŸ• “Friday night = pizza night. Always. What’s your weekend food tradition?” 9. Music on Repeat 🎧 “On repeat in the shop/office today: [Song/Band]. Drop your current favorite in the comments—I need new tunes!” It can also help when asking for new tunes to give a reason behind your ask like a workout mix, soothing sleep, or romantic date night track. 10. Hobbies and Hopes πŸƒ “Training for my first [hobby/goal]. Wish me luck! What new hobby have you picked up this year?” Not only does this connect you to your audience, but it also encourages people to try new things. This can be helpful for those who are interested in something your business specializes in. Maybe they’ve thought about starting a hobby that you’re a pro at and explaining that you started something will make them feel more welcome. For instance, if you’re a gym owner, make sure you tell people that everyone is welcome whether it’s their first workout in 20 years or their 2,001st. Conversely, if you’re for pros only be specific about that. Sometimes the hardest part of trying a new business is wondering if it’s for you. 11. Throwback Stories πŸ“Έ “Throwback to my very first day running [Business Name]. I had no idea what I was in for! Do you remember your first day at your job or business?” You can also rephrase the question and ask people what their first job was. Everyone has a first job. 12. Community Pride ❀️ “One of the things I love most about [Your Town] is [specific detail]. What’s YOUR favorite thing about our community?” 13. Your Workspace Quirks πŸ–ŠοΈ “True story: I will fight anyone who tries to take my favorite pen. πŸ˜‚ What’s one thing you always keep at your desk?” Or ask people what drink is in front of them right now. Asking what’s inscribed on their coffee mug is also a fun question with potentially hilarious results. 14. Seasonal Traditions πŸ‚ “It’s officially [season/holiday]! Around here that means [tradition]. What’s your favorite tradition?” 15. Gratitude Posts “Just taking a moment to say THANK YOU to every customer who has supported us. You’re the reason we get to keep doing what we love. πŸ’› What’s something you’re grateful for today?” ✨ Pro Tip: Add a quick photo or short video to each of these posts (your coffee mug, your pet, your desk, your town’s mural, etc.). Visuals + these captions = maximum engagement. If you think of your posts as a conversation and not a monologue, you’ll open up a new connection between your business and your audience. That can be fun and lucrative. Christina Metcalf is a writer and women’s speaker who believes in the power of story. She works with small businesses, chambers of commerce, and business professionals who want to make an impression and grow a loyal customer/member base. She is the author of The Glinda Principle , rediscovering the magic within. _______________________________________ Medium: @christinametcalf Facebook: @tellyourstorygetemtalking Instagram: @christinametcalfauthor LinkedIn: @christinagsmith
September 15, 2025
Maybe you can’t afford a celebrity endorsement like Taylor Swift, but there are still plenty of lucrative opportunities to do something on a local scale. Influence marketing is changing. While businesses once chased celebrity endorsements and mega-influencers with millions of followers, smart companies are discovering that their most powerful brand ambassadors might already be customers or people sitting in the next booth at the local coffee shop. The Importance of the Micro-Influencer Micro-influencers (commonly considered individuals with 1,000 to 100,000 followers, although some groups refer to those with follower counts under 10,000 as nano-influencers.) are reshaping how businesses approach marketing. Unlike their celebrity counterparts, these local voices carry something money can't buy—authentic trust within their communities. Their followers aren't passive observers; they're engaged neighbors, colleagues, and friends who genuinely value their opinions. Research consistently shows that micro-influencers generate higher engagement rates than macro-influencers. A study by Influencer Marketing Hub found that influencers with fewer than 10,000 followers achieve engagement rates of 7%, compared to just 1.7% for those with over 100,000 followers. More importantly for local businesses, 82% of consumers are highly likely to follow a recommendation made by a micro-influencer. Since these micro-influencers are part of the community the buyer lives in, they’re likely to feel more connected and act on their suggestions because doing so requires minimal effort. Imagine a digital nomad telling you all the great places to visit in Thailand. If you’re located in Iowa, following in their footsteps is going to require saving for the trip and a lot of planning. On the other hand, if the influencer is giving tips about places in your community, you’re more likely to act immediately and often. Finding Gold in Your Own Backyard The beauty of micro-influencer marketing lies in its accessibility. These aren't distant celebrities. They're your customers, community leaders, local bloggers, and passionate hobbyists. They're the yoga instructor who genuinely loves your smoothie shop, the local photographer who always tags your boutique, or the high school teacher who raves about your bookstore on social media. Start by auditing your existing customer base. Who among your regular clients has an active social media presence? Look for customers who already post about your business organically, engage meaningfully with your content, or demonstrate expertise in your industry. These natural advocates often make the most effective micro-influencers because their endorsement feels genuine rather than forced. You can also take a look at your favorable reviews. Google also makes it easy to see just how active they are in reviewing other businesses as well. Building Partnerships The key to successful micro-influencer partnerships is building that relationship. Traditional advertising feels intrusive, but when someone's trusted neighbor recommends a local business, it feels like valuable advice. This is why the most effective micro-influencer campaigns don't feel like marketing at all. Instead of scripted posts, provide micro-influencers with experiences worth sharing. Invite them to behind-the-scenes events, offer exclusive previews of new products, or ask for their input on business decisions. When a local food blogger shares their genuine excitement about helping you choose your new seasonal menu, it’s great for both of you. You get the attention from their audience and the influencer appears to have a “secret in” to your business, making them look like VIPs to their followers. Consider offering value beyond payment. Many micro-influencers are more motivated by exclusive access, professional development opportunities, or the chance to be part of something special than by monetary compensation. A fitness influencer might prefer a year of free classes over a one-time payment, especially if it includes early access to new programs they can share with their community. Instead of writing a check, consider how you can help them grow their base by giving them access to things others don’t. Quick Cross-Promotional Networks If you’re reading this and wondering how you’ll ever have time to find local influencers, try your chamber of commerce. While they may not know individual influencers, they likely have a good idea about which members are heavily involved in social media. Working through the chamber, you may be able to find a complementary business that is willing to talk you up to their audience. The chamber itself is also a local influencer so share what you’re trying to do with the staff as well. The Mechanics of Local Influence Effective micro-influencer campaigns start with clear objectives. Are you looking to increase brand awareness, drive foot traffic, or launch a new product? Your goals will determine which micro-influencers to partner with and what kind of content to create. Do your best to understand the micro-influencer’s audience. After all, you want their audience to be people who would buy from you. Local businesses have unique advantages in micro-influencer marketing. You can invite influencers to your physical location, create content featuring recognizable local landmarks, and tap into community pride. A micro-influencer's post about discovering a hidden gem in their own neighborhood carries more weight than generic product placement. Track meaningful metrics beyond follower counts. Monitor engagement rates, click-throughs to your website, foot traffic increases, and most importantly, sales attribution. Many successful local businesses use unique discount codes or landing pages for each micro-influencer to measure direct impact. Building Long-Term Relationships The most successful micro-influencer strategies focus on building lasting relationships rather than one-off campaigns. Treat your micro-influencer partners as extensions of your marketing team. Provide them with regular updates about your business, seek their feedback on new initiatives, and celebrate their successes alongside your own. Create exclusive communities for your micro-influencer partners. Private Facebook groups or Slack channels where they can share ideas, collaborate on content, and access insider information make them feel valued and connected to your brand story. Measuring Impact Beyond Numbers While metrics matter, don't overlook qualitative indicators of success. Are your micro-influencer partners becoming genuine brand advocates? Do their posts generate meaningful conversations about your business? Are they referring other potential partners or customers? Pay attention to the ripple effects. A single relatable post from a respected community member can influence their followers to become micro-advocates themselves, creating an organic chain of word-of-mouth marketing that extends far beyond the original partnership. The Future of Neighborhood Marketing As consumers increasingly seek authentic connections and local experiences, micro-influencer marketing represents more than a marketing tactic. It's a return to community-based commerce. Businesses that master the art of turning neighbors into brand ambassadors will build deeper community roots and more sustainable customer relationships. The next time you see a customer post enthusiastically about your business, don't just hit "like" and move on. That customer might be your next micro-influencer, ready to introduce your brand to their trusted network of neighbors, friends, and community members. In the world of local business, sometimes the most powerful marketing voice belongs to the person next door. -------- Christina Metcalf is a writer and women’s speaker who believes in the power of story. She works with small businesses, chambers of commerce, and business professionals who want to make an impression and grow a loyal customer/member base. She is the author of The Glinda Principle, rediscovering the magic within. _______________________________________ Facebook: @tellyourstorygetemtalking Instagram: @christinametcalfauthor LinkedIn: @christinagsmith