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.

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Medium: @christinametcalf

Facebook: @tellyourstorygetemtalking

Instagram: @christinametcalfauthor

LinkedIn: @christinagsmith

By Lauren Batchelor November 17, 2025
We’re fast approaching the time of year where it can like you’re running a marathon on a tightrope. Customers need attention. Promotions are queued up to be launched (or designed). Your inventory is giving you nightmares and you have huge goals for the end of the year. And you’re supposed to stay cheerful, strategic, and somehow well-rested through it all. But the problem isn’t your big aspirations for 2026, nor does the problem lie in trying to solve the things you can’t control. It’s your habits. James Clear’s Atomic Habits reminds us that meaningful results come from the small, repeatable choices we make every day. During the holidays, those tiny decisions are the difference between burnout and breakthrough. When you build systems that work even when you’re tired, distracted, or knee-deep in ribbon, the season gets lighter and your business gets stronger. Here’s how to apply some of Clear’s most practical ideas to help you not just survive the holiday season, but launch into January with invincible momentum. Start with a 1% Mindset One percent doesn’t sound like much until you stack it day after day. You don’t have to reinvent your business. You don’t need a perfect storefront, flawless offers, or an Instagram grid that looks like a lifestyle magazine. Instead, choose one area to improve just slightly. Take that one small step toward your goal. Maybe it’s tightening up your email promo schedule. Maybe it’s creating a smoother checkout flow. Maybe it’s something as simple as promising yourself (and following through on) a good night’s rest for the next month. Small refinements reduce stress and increase sales. They also remind you that progress is happening, even in chaos. Re-design Your Environment Clear says our surroundings often shape our behavior more than our motivation does. This is especially true during the holidays when the pace is high and attention is scattered. Look around your space with strategic eyes. If your workspace feels cluttered, simplify it. If your best seasonal products aren’t visible at first glance, elevate them. If your team keeps losing pens, square readers, bags, or bows, create a “holiday command center” with everything in one place. Tiny environmental shifts create smoother systems. And smoother systems prevent those frantic moments when you’re internally screaming, “Where did we put the gift bags?!” Build Habits That Support Your Busiest Days The season is unpredictable, so anchor your day with predictable habits. A few anchors to consider: • A 5-minute morning reset, before opening or seeing clients • A quick end-of-day review: what sold, what slowed down, what needs restocking, what got clicks, what impact on our customers did we see? • A customer-touch habit: one message, one email, or one thank-you note daily • A “two-minute tidy” before leaving (your future self will adore you) Consistency creates stability. When everything else feels like holiday improv, these anchors act like rhythm lines on the page. Use Systems, not Willpower If you remember nothing else from this article…pay attention… Willpower gets weaker when you get tired. Systems don’t. If you want to post consistently on social media, schedule a week’s worth of content on one calmer afternoon. If you want to upsell a holiday special, script one clear line for every team member. If you want to stay on top of inventory, set an alarm that reminds you to check key items before the weekend rush. During the holidays, systems carry you when energy can’t. Make Good Habits Easy and Bad Habits Harder Clear’s “make it obvious, make it attractive, make it easy, make it satisfying” formula is your season’s secret weapon. Want your team to use the upsell script? Keep it taped near the register or near each desk. Want customers to sign up for your loyalty program? Put the QR code where people naturally pause and that can be more than one spot. Want to stop scrolling between transactions? Keep your phone in a drawer. Design beats discipline every time. Don’t Forget Identity: Who Are You Becoming This Season? In Atomic Habits, Clear says outcomes come from identity. While you’re navigating the busiest weeks of the year, take a breath and remember who you are as a leader. · Are you the business that handles crowds with warmth? · The business that makes people feel good? · The business that takes care of its team so they can take care of customers? When you anchor yourself in identity, your choices shift. You show up differently. You communicate more intentionally. You prioritize what matters instead of chasing every glitter-coated opportunity. And your customers feel it. Give Yourself Permission to Rest This sounds counterintuitive in a season that thrives on hustle, but rest is productivity’s partner. Clear reminds us that habits compound. That includes bad ones like exhaustion, resentment, and skipping meals. Take care of yourself the way you take care of your customers. Breaks aren’t indulgent; they’re fuel. Let the Season Shape You—Without Steamrolling You You don’t need massive change. You need micro-moves that create calm, clarity, and steady revenue. If you build the right habits now, January stops being a “recovery month” and becomes a runway. Your systems will be tighter. Your team will be stronger. And you’ll have proof that even small businesses can thrive in big seasons.  Read More: 16 Questions to Use to Prepare for Small Business Season Success How to Protect Your Peace During the Busiest Season in Business ------------- Christina Metcalf is a ghostwriter and 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 remain top of mind. She is the author of six books including her recent non-fiction book The Glinda Principle , rediscovering the magic within. _______________________________________ Facebook: @tellyourstorygetemtalking Instagram: @christinametcalfauthor LinkedIn: @christinagsmith
November 17, 2025
Traditionally, marketers at this time of year are busy trying to attract Black Friday and other shoppers in the days right after Thanksgiving. But thanks to the uptick in pre-Black Friday sales, today’s customers are shopping earlier than ever, spreading out their spending and looking for ways to avoid the December scramble. In fact, nearly half of U.S. shoppers now begin their holiday shopping before Black Friday. That means November isn’t just the warm-up. It’s your time to shine. With a few smart strategies, you can pull in customers before the big-box stores roll out their doorbusters and get a head start on holiday profits. Here are a few ways to catch shoppers’ attention: 1. Create a “Pre-Holiday Perk” Campaign Position early shopping as something special. Give early birds their own exclusive event—like “Thankful for You” week or a “Pre-Holiday VIP Preview.” Offer perks such as: An early access sale with limited quantities Complimentary gift wrapping for purchases before Thanksgiving Bonus loyalty points or small freebies with purchase Use phrases like “Avoid the rush—shop early and save more” or “Holiday magic starts now” to build urgency and show shoppers what’s in it for them. 2. Partner With Neighboring Businesses Join forces with nearby retailers, restaurants, and service providers to create a walkable or online “Shop Early, Shop Local” trail. Each participating business could offer something small (like a $5 coupon or treat) for visitors. when customers visit. This drives traffic as it reinforces community spirit and keeps dollars circulating locally. 3. Launch a “Grateful Giving” Promotion People love to feel generous in November. Tap into that with a cause-driven sale. Donate a percentage of early purchases to a local charity, food pantry, or school project or participate in a toy drive and give a special discount to those who donate to it. For example: A bakery could donate a loaf to a shelter or needy family for every dozen cookies sold. A restaurant could give a portion of sales on one night to a nonprofit. When shoppers know their purchase gives back, they’re more likely to buy early and buy more. 4. Bundle for the Busy Buyer Many shoppers are looking for quick, ready-to-give solutions. Create themed bundles that save them time and make you stand out. Think: “Cozy Night In” kits (candles, cocoa, and socks) “Local Taste Tour” boxes with hometown treats “Grill Master” or “Self-Care Sunday” sets Display them prominently and promote them as limited pre-holiday offers. Bonus: they make for great social media photos. 5. Host an Experience, Not Just a Sale Before the crowds hit, give people a reason to linger. Host a small in-store event, tasting, or workshop tied to the season: A “Holiday Decorating Tips” night at a home store A “Sip & Style” event at a boutique A “Pie Pairing” session at a café or winery Offer special pricing to attendees or a first look at holiday items. Events like these encourage people to shop early and to shop locally again later. 6. Reward the “Early Elves” Give a little something extra to those who shop before Thanksgiving. A small thank-you, like a coupon for their next visit in December, keeps them coming back. For instance: “Shop in November and get a $10 gift card to use in December.” It’s an easy, low-cost way to extend your holiday revenue window. 7. Promote Your November Hours and Offers Early Don’t assume customers know you’re ready for the holidays. Tell them! Use every channel you can: social media, window signs, email, and your Google Business Profile. (Don’t forget to tell us too!) Include photos of gift displays, new arrivals, or holiday décor to set the mood. And if you’ll have special hours around Thanksgiving week, post them early. One of the biggest mistakes small businesses make during this time of year is not communicating hours (or assuming because you posted once, that was enough). Many people shop online because they simply assume their favorite local store isn’t open when they want to shop. While that may be the case some of the time (no one in retail is staying open until 1:00 am just in case someone feels the need to shop), if you are extending your hours for the holiday season make sure everyone in town knows. 8. Lean Into Gratitude Messaging November is naturally about giving thanks so it’s a great marketing theme. Share posts thanking your loyal customers, featuring favorite local places or other businesses, or highlighting team members. People are more likely to support a business that feels human and heartfelt. Gratitude builds trust, and trust leads to sales. 9. Offer Early Access to Gift Cards or Experiences Gift cards are the unsung hero of early holiday marketing. Promote them as stress-free gifts before Thanksgiving with a small incentive: “Buy a $50 gift card, get $10 for yourself.” Restaurants, spas, and service businesses can pair cards with small add-ons—like a dessert, a product sample, or a digital thank-you card featuring local art. If you don’t have your own gift card program, become a participating merchant in ours. 10. Market to the “Planners and Procrastinators” Create messaging that speaks to both types of shoppers. For planners: emphasize peace of mind and avoiding the rush. For procrastinators: highlight easy solutions and limited availability. Example captions: “The best gifts don’t wait until December.” “Plan ahead, shop now, and then relax while everyone else stands in line.” November is full of potential for small businesses willing to act early. That’s why we started Small Business Season on November 1 st . Remember, we’re here to help promote your events, amplify your message, and connect you with other local businesses doing the same. Together, we can make Small Business Season the highlight of the year. Read More: Holiday Gift Card Strategies for Small Business Season Tips for Reaching Holiday Shoppers This Small Business Season
November 10, 2025
It’s officially that time of year where you have to keep looking at the calendar because it’s so hard to believe how quickly time is going or as we like to say—it’s Blurvember. The holidays have a way of sneaking up on even the most prepared businesses. One minute you’re stocking fall candles and the next you’re wondering where the extra rolls of gift wrap went. This is the moment to tighten things up so you can enjoy the revenue boost without feeling like you’re sprinting through December. Here are five simple, high-impact updates your business can make right now (some so quick you can implement them between customers) to get ahead of the holiday rush. 1. Update Your Hours and Online Info Everywhere Holiday shoppers are comparing hours, checking maps, and trying to squeeze errands between work, school pickups, and holiday events. If your hours aren’t accurate across Google, Yelp, Facebook, your website, and your chamber listing, you risk losing customers before they even leave the house. Do a quick search for your business as if you were a customer. Is your phone number right? Are your photos current? Does your holiday schedule show up clearly? Most people rely on Google’s first page, so correcting those listings now is one of the easiest wins you can score. 2. Refresh Your Signage and Displays Your storefront or lobby is a strong salesperson this time of year. When signage feels fresh and intentional, customers are more likely to stop, browse, and buy. That’s why so many storefront businesses go straight from Halloween to Christmas. Both holidays are visually appealing. In fact, people will enter your business just because you have a cool window. (Poor Thanksgiving, the middle child of holidays.) You don’t have to overhaul your entire look. A few simple updates can make a strong impression: Swap weathered signs for clean, readable replacements (unless antique is your vibe) Add one seasonal visual element that feels inviting rather than overwhelming Use clear markers for gift ideas or bestsellers Make sure curbside or pickup instructions are posted where customers can see them Even small touches create a sense of readiness that customers appreciate during a busy season. 3. Prep Your Team for Upselling Without Feeling Salesy Your staff can be your holiday heroes. A little training now can lead to bigger revenue and happier customers later. Upselling doesn’t have to feel pushy. It’s simply offering helpful suggestions that customers genuinely appreciate. Consider coaching your team on moments where a gentle recommendation is natural. Think gift wrap, add-on accessories, seasonal specials, or limited-time treats. When employees feel confident, customers feel guided. And both walk away happy. 4. Offer Gift Cards, Gift Bundles, or Quick-Grab Options The closer we get to December, the more people search for simple solutions. They’re panicked. They’re behind the eight ball (or snowball, in this case), and they just want the perfect gift that doesn’t look rushed. Gift cards are a lifesaver for anyone in a time crunch, and they’re one of the highest ROI products you can offer. If you don’t have them, this is the year to add them. Be sure to check out our online egiftcard program! You can also create: Small themed gift bundles Stocking stuffer displays Grab-and-go treats or purchase add-ons Digital gift cards for last-minute shoppers Anything that shortens decision-making for your customers will boost sales when traffic hits its peak. 5. Streamline Curbside or Online Ordering Before Things Get Busy Convenience is key during the holidays. If your online ordering, reservation system, or curbside pickup process feels a little clunky today, it will feel downright stressful on December 15. Now is the perfect time to: Run a test order Check that links work Update product descriptions Confirm your inventory tracking is accurate Make pickup instructions extremely clear Even a small digital tune-up can make the difference between a smooth holiday season and a frantic one. Bonus: Create One Holiday Highlight That Sets You Apart A lot of businesses do holiday promotions. Far fewer do something memorable. Consider spotlighting one special element this season to help you stand out. It could be a signature drink, a limited-time dish, a themed shopping night, a charity tie-in, or a mini experience customers can’t get anywhere else. Small moments of delight build loyalty. And the holidays are the perfect time to create them. Your Chamber is Here to Help You don’t have to tackle holiday readiness on your own. We’re participating in Small Business Season this year. We have a number of ways we’re supporting businesses across the community, and we want to help shine a spotlight on what you’re planning. Tell us what you’re working on, and we’ll help get the word out. Share your holiday hours, promotions, themed events, or special offerings and we’ll amplify them through our channels so more customers know exactly where to shop, dine, and celebrate. Let’s make this your smoothest and strongest holiday season yet.  Read More: Holiday Gift Card Strategies for Small Businesses Simplify Seasonal Staffing for Small Business Season