From Essentials to Aspirations: Budgeting for Business Success | Ep. 297

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In this empowering episode of Money Talk With Tiff, Tiffany Grant welcomes the dynamic Brieanna Lightfoot Smith to delve into the crucial topic of strategic spending for small business owners. As a seasoned entrepreneur, Brianna brings her insightful approach to making smart investments that fuel business growth without breaking the bank.

Brieanna kicks things off with a counterintuitive tip that will have you rethinking your startup strategy – hint: it involves your business website and what you really need to focus on instead. She then unveils her transformative framework that categorizes business expenses into essentials, opportunities, and aspirations, guiding you through financial commitment stages as your business evolves.

Whether you’re a product-based business owner eyeing inventory management or a content creator looking to upgrade your tech game, this episode is a treasure trove of wisdom for anyone aiming to make prudent financial decisions while chasing their business dreams.

Remember, it’s not just about spending money; it’s about investing where it counts. Let’s get to the money!

About Our Guest

Brieanna Lightfoot Smith believes a peaceful home and a purposeful brand can coexist. As a business owner, productivity coach, and systems strategist, she loves helping women, especially fellow moms, gain clarity and confidence. As someone who passed out in her car at 7 months pregnant, she’s extremely passionate about helping people create a life they love without burning out in the process. You can connect with Brieanna on her website at brandsbybrie.com.

Connect with Brieanna

Instagram: @blightfootsmith

B. Light Podcast: http://brandsbybrie.com

(Use code ‘aspirations’ for a special discount)

Connect with Tiffany

Website: https://moneytalkwitht.com

Facebook: Money Talk With Tiff 

Twitter: @moneytalkwitht 

Instagram: @moneytalkwitht 

LinkedIn: Tiffany Grant

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Copyright 2024 Money Talk With Tiff

Transcript
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Intro/Outro: You know what it is. That's right. It's time to talk

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money with your money nerd and financial coach.

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Now tighten those purse strings and open those ears.

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It's the money talk with tiff. podcast.

Tiffany Grant:

Hey, everyone. I am so excited because I have

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Brianna Lightfoot Smith on the line now. Brianna is here to talk

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to us about something that's really interesting and something

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that small business owners or aspiring business

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owners kind of struggle with at times, and that's making sure

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that you spend your money on the right investments, so

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making sure that you're purchasing things that have

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some lifeline to it and not just throwing money in the

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wind. So, hey, Brianna, how are you?

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Brieanna Lightfoot-Smith: Hey, Tiffany, how are you? Thank you so much for

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having me.

Tiffany Grant:

Yes, my pleasure. So let's just hop right

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in. First and foremost, let's just talk about

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some of the things that business owners spend on

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when they first get started, that you're like,

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no.

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Brieanna Lightfoot-Smith: Yes. I tell people it's

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ironic because,

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when I first started my company, I was doing

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website development and I was also

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doing social media management. And I think

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that something that's so ironic is now

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I tell people, I'm like, hey, you don't need a business

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website to get started. You just need a way

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to, accept payments from people, and you need to

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be able to track the people that are coming

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in so that you're able to manage those leads. Right.

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So I'm like, okay, you can really get started with something like

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acuity. You can get started with just PayPal

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invoicing. the reason I say that is

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because after having worked with

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dozens, if not hundreds of small businesses, what I

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saw was that a lot of times people would hire me

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to develop their websites, right? And

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then their business model would change. They

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would do maybe an accelerator program

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where they were able to get more clarity around their ideal

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customer, or they would do,

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kind of an intensive. Maybe they work with a

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coach. especially in New Orleans when I was,

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working with small businesses, a lot of them would participate in

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these incubators. And by the end of the program,

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whether it be eight weeks or twelve weeks, their

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business model had completely shifted. But they already

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invested this money into

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a website that talked about this offer that they no

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longer have. So I really believe

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that, your website is so

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essential when you get to a point where you know

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for sure what it is that you offer. But if you're

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just kind of experimenting with some things,

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save your money in the beginning, get clear on what your

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offer is, and in the meantime, in between

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time, use things like payPal invoicing, use

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stripe, use calendar, schedulers to

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be able to accept you.

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Gotcha. And that makes so much sense. And as

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someone that loves to dabble in

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tech and spend way too much money

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in doing things and redoing things, I can

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definitely resonate with that. There's so many

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half finished projects that I have out there that I

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was like, oh, I want to go this direction. And then, oh,

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actually, never mind.

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Brieanna Lightfoot-Smith: right, domain names purchased for days and you're like,

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what was this one even for? I don't even remember.

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Exactly. So let's go

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into your framework because I feel like it

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is, very important for these business owners

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and aspiring business owners to kind of categorize these

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expenses in a way that will best benefit them.

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I love your approach, of let's get to the money first.

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So when they're thinking about these expenses, how should

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they categorize them?

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Brieanna Lightfoot-Smith: Yes. So whenever I have a class

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called building a business on a budget, right, because we've

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all been there, and especially if you're somebody

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who maybe you're married, right? And your spouse

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is like you doing what with what you need to be

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able to say no. Okay, listen, it's not going to take a lot for us to get

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started. So I like to categorize things into

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three categories. I like to share with my

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students that you should look at your business expenses

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as essential. You should look at

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opportunities and then your aspirations, right? So

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your essential things are what do you need to actually

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be able to make money from this? sometimes that's going to

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be tech, right? But it doesn't have to be expensive

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tech. We have computers as

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phones, right? So people who are even saying, oh, I want

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to start a YouTube channel, baby, let's get consistent with your

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phone first. Before you say I need the latest

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Nikon or I need the latest canon, this is really going

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to be the thing that makes my content top tier

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because you want to be able to get consistent first.

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Then when it comes to your opportunities, as

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you're starting to gain that traction, that's where you might say,

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okay, we're going to upgrade to maybe a better

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camera. not because I'm trying to

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become like a short film producer,

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but because I'm m even maxing out the storage on my

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phone, right? So it becomes an opportunity. And then once

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you've, matched that and maybe now you're at a place where you're

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monetizing your content for a YouTube channel,

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now you're looking into the aspiration section

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of your finances where it's like, no, I can actually invest

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in not only really great equipment, but now

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maybe I'm going to start investing in a

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editor to,

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take my YouTube videos and also

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export them for different formats

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for TikTok or for Instagram.

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Right. So I gave a specific example because I'm the kind

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of person who I'm like, okay, show me what

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that looks like. And so to use the example of a

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YouTube creator, your essential would be, you need some

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way to film. That could just be your phone, and you're already paying

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that monthly bill. Your opportunity may be, okay, I'm going to

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get a camera that is either used

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or, it's just not as expensive. Maybe I'm going to

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look out on those. Like I know a lot of people did for Black

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Friday and Cyber Monday. Right. I'm going to grab one of those

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cameras. And then your opportunity, I mean, your

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aspirations would be, now I'm going to get the best equipment

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that I can get, and I'm also going to invest in a team.

Tiffany Grant:

Yes, I love that. And now that you put it like that,

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I'm thinking back towards the money talk with Tiff

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podcast. And when I got started, it was a

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$20 mic from Amazon. and then I just

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worked my way up to this $1,000 set up

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that I have. But it took time. It took at least

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two to three years or so to get to that point.

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And I have an editor now when I was editing my

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own episodes, so I can totally relate

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to how that kind of comes

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about, as you grow and as you learn more about

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your business. Had I waited until I was able

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to get $1,000 set up and all of

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this and all of that, and then started the podcast,

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it probably wouldn't have made sense just in case I

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didn't like it. What if you get all of that

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equipment and you don't like doing the podcast or you don't like

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doing whatever it is that you put all this money into?

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And so I completely agree with you there.

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Brieanna Lightfoot-Smith: That's awesome. Yeah, that's a perfect example, too.

Tiffany Grant:

Yes. So let's talk a little bit, because

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I know we have a variety of different business

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owners out there, so I also want to give

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a product example, too. So how would this

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look in a product based business, if they wanted to

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do this framework as well?

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Brieanna Lightfoot-Smith: That's a great question. So when it comes to

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product based business, my husband actually has a product based

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business, and he does apparel

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and for him, when it came to

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essentials, that's one

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area where I would say having a website

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probably makes sense very early on, but it doesn't have to be an

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expensive one, right? So you need a way to sell

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your products. People may say, oh, well, you can just

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start with pop up shops. But the things that people, I feel like, don't

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understand about pop up shops is that you're going to need that

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inventory typically on site. And so

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you're going to have a higher cost

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of goods right in the beginning if you're trying

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to have at least 25 products at your

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first pop up shop. So what's really nice

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for, a product based business is that you can do something like

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drop shipping, right? there are websites

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like printful and printify that

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will allow you to

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upload your designs directly into their platform,

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and then they'll ship the items out for you.

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What's really nice about that is that you don't have to manage

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inventory, right? You don't have to

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worry about like, oh, I ordered too much of

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this. You're able to just kind of have, okay, I

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got one order in and I'm sending one order out. So the

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essential for a product based business would absolutely be a place where

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you can sell your products. And typically, it

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would make sense to start with a

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website just to make it ease of use. But what's

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also really awesome is that we're in an age

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now where Instagram, makes their

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posts shoppable, right? And you can upload products directly

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into Facebook marketplace or

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know their platform, in order for you to be able

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to purchase things that way. So that would be an

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example that I would give. The aspiration

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would know, potentially your own store

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at some point where you're like, okay, I've done this on my

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own and I'm going to expand. I even think about

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a, friend of mine. She has a, I guess you would just call

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it a sweets business, right? She does cookies and she does

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cakes. And when she first got started,

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she, had it where she would just send you an

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invoice for your product,

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for your cupcakes or your cookies.

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You would pay the invoice, and then she had it where you

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could pick the items up directly from her, or she would ship

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it to you. And then the nice thing was, as she's

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grown, that's when she really developed out her

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website. And then now she's looking at getting a

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flagship store, by 2026.

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So she's really had some awesome

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traction. But she was willing to kind of,

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there's a scripture that says, do not despise small beginnings.

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And that was really her. She was like, listen, I'm going to send

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you this invoice for this half a dozen order of cookies, and

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then we'll keep growing from there.

Tiffany Grant:

That is amazing. And congrats to the friend, if you're

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listening. Congrats to you. but I love

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this framework, essentials, opportunities, and

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aspirations, because we talk a lot on the podcast

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about budgeting, and it is very

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similar in how we break down our budget.

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When you think about your essentials, you're thinking about

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the roof over your head, the food in your

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belly, all of those things. And then your

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opportunities, those might be like your cell phone bill. So

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it's not like stuff that are essential to live,

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but it's stuff that you might want. And then the

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aspirations might be when

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you're looking at, oh, I want to go out with

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my friends or those types of things. And

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so I definitely see how there

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is a congruency there between

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your framework and not only applying it to

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business, but also to your personal, expenses

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as well. So I really appreciate that.

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Brieanna Lightfoot-Smith: Yeah, my pleasure.

Tiffany Grant:

So let's, talk a little bit, though,

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about your course that you had

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mentioned. because I want to give people a little sneak

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peek of what they may get, before we wrap

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up, of course. Don't give it all away, but, just a little sneak

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peek of what they would get with your course.

Tiffany Grant:

Brieanna Lightfoot-Smith: Yes. So, inside of the build

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your business on a budget course. And it's really short,

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y'all, because, listen, just like. And I know tiff keeps

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her, podcast episode short. It's the same thing

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with that training. It is not longer than an hour,

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and it's very hands on. And so I walk

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you through those essentials, through the opportunities,

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and through the aspirations inside of it. You also

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get, a budget spreadsheet

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that has those categories broken out. And then I give some

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examples, because, as I shared with you all, sometimes it's like,

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I don't know, what's the difference between the essential and the aspiration

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and the aspiration and the opportunity. And so I have

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those things broken out by category.

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I also talked about the power of

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bartering in that, training,

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because sometimes we're out here like,

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okay, well, I can just spend this much,

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and you could actually have to spend nothing. One of the

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examples that I give inside of the training is that I got,

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photos done, which we all know a good

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photo shoot can run. You quite

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a bit if you're moving into more of that

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opportunities and aspirations category. Right.

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and this particular photo shoot was about

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valued at about $500. And I just knew I

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didn't have that to invest. I was like, sis,

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I know that your stuff is quality. I've

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seen your stuff before, but I'm just in the very beginning

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stages of my business. But what I did have at

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that time was, a podcast that was reaching

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the exact demographic that this woman had because she was

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primarily targeting black women who

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were in business or wanted to start a business. And so

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I said, here's what we could do, or here's what I can

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offer. And I did not know if she would say no or yes, but I

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said, I have this podcast, and what

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I could possibly do for you, if you'd be interested,

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is record three,

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ads that I can put at the beginning of the

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episodes, and people can use a specific promo code

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to sign up. And I don't even know if I made the promo

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code a heavy discount because I was like, well, if we discount all

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your services, this is not really the best thing for you.

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I want to make sure you're getting a return on what you're giving

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me. And so anyway, I did a promo for her on, three

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podcast episodes. And I also said, hey, if we

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have any in person events, you can come

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and talk about your business there. And she was

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interested. We signed up an agreement

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because you should get everything in writing. We signed an

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agreement, and she did my photo

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shoot on, my end for free. I mean, I was

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exchanging my time and my platform for

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this physical product that I was able to get. And I tell

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people, that was years ago, and

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I still use a lot of those images, for

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my website, I use a lot of the images in my social

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media content. And so that's one of the things that

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I talk about within that, class as well,

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because, again, sometimes we put ourselves

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in these binds where we're like, oh, my gosh, I really want

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this thing. And then I'm too embarrassed to tell this person that

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I can't afford their services instead of just looking and

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saying, what do I have that's of value that I could offer this

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person?

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Absolutely. And I love that I have

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bartered many of times, for services and

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products, and it works you all, and you never know

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what someone's going to say or do, and

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so just acts, put it out there. So I love that you

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go over that in your, course as well.

Tiffany Grant:

So thank you. So much, Brianna, for coming on the show

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today. Now, if people were interested in

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learning about the course or learning more about

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you or is following you on social media, where could they find

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you?

Tiffany Grant:

Brieanna Lightfoot-Smith: Yes, they can go to my website,

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brandsbybree.com, and that has all my links

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to social. It has links to brands by Brie

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Academy, which is where that building up business on a budget

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class lives. and

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there's also a link for you to join my email list. I send out

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emails every week to business owners with just, like, a

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word of encouragement because we know it can be hard out here. You're

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like, why am I doing this thing? That's very insane that

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no one else wants to do. I also send

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resources because, again,

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sometimes it's like, hey, there's this thing that you might

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be about to pay for. And I actually found a place where you

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can get it for free. for places that I have

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relationships with, I include, like, affiliate links

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where you can sign up for something like honeybook and get

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50% off, or sign up for something like flow desk,

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which is what I use for my email software.

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And so I just try to make it like a one stop

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shop for women in business.

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Because, again, this is no,

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I think about, the poem that talks about how life is

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no crystal stare. Entrepreneurship is not a

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crystal stare. Okay. But I think what I

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have seen, it's not you all. So if that's why you're

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signing up, maybe look at something else. But

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it's a beautiful thing, though, to be able to do the work that you

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love.

Tiffany Grant:

Yeah, for sure. Well, I will make sure that I

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have all of those links in the show notes, so

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definitely check those out. Thank you so much again

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for coming on the show, and I'm excited. Hopefully

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somebody took at least one takeaway from

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this. And if you didn't, I'm going to give

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you one. Essentials, opportunities,

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aspirations. That's all you need to know.

Tiffany Grant:

All right, well, thank you so much.

Tiffany Grant:

Brieanna Lightfoot-Smith: It's my pleasure. Oh, and one thing,

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I will give you all a special, price on

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those classes inside of brands by Brie Academy. But

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I want you guys to use the word aspirations because

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that's how we'll know that you listen to the end. I know sometimes people do like

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the podcast name and stuff like that, but it's

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kind of like looking for clues in one of those Disney movies or

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Marvel movies or something like that. So, yeah, if you use promo code

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aspiration on any of those, you'll be able to get a

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special price on those classes.

Tiffany Grant:

Yes. I love that. Come on, Easter eggs. So

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aspirations is the code, and

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I'll make sure that's in the show notes as well, in case you're doing

Tiffany Grant:

something, driving, whatever, and you can't write it down, it'll be

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there for you. So thank you so much, Brianna, and I hope you have

Tiffany Grant:

a wonderful rest of the day.

Tiffany Grant:

Brieanna Lightfoot-Smith: Thank you for having me.

Tiffany Grant:

Bye.

Tiffany Grant:

Intro/Outro: Thank you for listening, joining, and being a part of the Money

Tiffany Grant:

talk with TIFF podcast this week. You can check Tiff

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out every Thursday for a new Money talk podcast,

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but if you just can't wait until next week, you can listen

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to previous podcast

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episodes@moneytalkwitht.com

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or follow TIff on all social media

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platforms at moneytalkwitht. Until

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next time, spend wise by spending less than

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you make a, word to the money wise is always

Tiffany Grant:

sufficient.