Launch Ready · Session 3 of 8
Money Matters: Budgeting & Pricing
Startup costs, pricing with confidence, and cash flow you can manage
Launch Ready · Session 3 of 8
Money Matters: Budgeting & Pricing
Startup costs, pricing with confidence, and cash flow you can manage
Toronto Public Library · York Woods Branch
Entrepreneur in Residence · Fall 2026 · Leo Bailey
© 2026 Fresh Wind Consulting. All rights reserved.
Session 3
Today's session
1
Startup costs and pricing
2
Cash flow and keeping money separate
3
Building credit and banking relationships
You leave with
A startup budget and a price you can defend
Launch Ready · Session 3 · Money Matters: Budgeting & Pricing
© 2026 Fresh Wind Consulting. All rights reserved.
Three money words
Sales keep you busy. Profit keeps you open. Cash keeps you alive.
Launch Ready · Session 3 · Money Matters: Budgeting & Pricing
© 2026 Fresh Wind Consulting. All rights reserved.
Startup costs
Two kinds of costs
One-time, to get started
- Equipment and tools
- Business registration ($60 in Ontario)
- First batch of inventory or supplies
- Logo, cards, simple website
Monthly, to keep going
- Phone and internet
- Supplies and ingredients
- Insurance
- Marketing, rent or kitchen time
Launch Ready · Session 3 · Money Matters: Budgeting & Pricing
© 2026 Fresh Wind Consulting. All rights reserved.
Pricing
Three ways to set a price
1
Cost-plus
Add up what it costs you, then add your profit on top.
2
Market
Look at what others charge for something similar.
3
Value
What is it worth to the customer? Time saved, stress removed.
Launch Ready · Session 3 · Money Matters: Budgeting & Pricing
© 2026 Fresh Wind Consulting. All rights reserved.
Worked example
Pricing one jar of seasoning
| Cost item | Amount |
|---|---|
| Ingredients | $3.20 |
| Jar and label | $1.30 |
| Your time: 15 min at $25/hr | $6.25 |
| Total cost per jar | $10.75 |
| Selling price | $16.00 |
| Profit per jar | $5.25 |
Launch Ready · Session 3 · Money Matters: Budgeting & Pricing
© 2026 Fresh Wind Consulting. All rights reserved.
Your turn · 5 minutes
Pen and paper · use your handout
Price one product or service
- Pick your main product or service
- List every cost for one unit, including your time
- Add them up for your cost floor
- Choose a price and write why
If your price does not pay you for your time, it is not a price yet.
Launch Ready · Session 3 · Money Matters: Budgeting & Pricing
© 2026 Fresh Wind Consulting. All rights reserved.
Remember
Pay yourself. Your time is a real cost.
Launch Ready · Session 3 · Money Matters: Budgeting & Pricing
© 2026 Fresh Wind Consulting. All rights reserved.
Cash flow
A simple three-month cash flow
| Month 1 | Month 2 | Month 3 | |
|---|---|---|---|
| Money in | $800 | $1,400 | $2,000 |
| Money out | $1,500 | $1,100 | $1,200 |
| Left over | −$700 | $300 | $800 |
| Running balance | −$700 | −$400 | $400 |
Launch Ready · Session 3 · Money Matters: Budgeting & Pricing
© 2026 Fresh Wind Consulting. All rights reserved.
Your turn · 8 minutes
Pen and paper · use your handout
Fill in your startup budget
- List one-time costs from your notes
- List monthly costs
- Estimate three months of money in, honestly
- Find your lowest running balance
Your lowest running balance is how much cash you need to start.
Launch Ready · Session 3 · Money Matters: Budgeting & Pricing
© 2026 Fresh Wind Consulting. All rights reserved.
Good habits
Keep business and personal money apart
Open a separate account
Even a second personal account works to start.
Use one card for business
Every business purchase in one place.
Photograph every receipt
A phone folder is enough to begin.
15 minutes every week
Same day, same time, check money in and out.
Launch Ready · Session 3 · Money Matters: Budgeting & Pricing
© 2026 Fresh Wind Consulting. All rights reserved.
Credit and banking
Build your credit and banking relationships
1
Pay every bill on time. Payment history drives your credit score.
2
Keep balances low. Use well under your credit limit.
3
Get to know a banker. Meet them before you need money, not after.
4
Keep clean records. Statements and receipts make lending easier later.
Launch Ready · Session 3 · Money Matters: Budgeting & Pricing
© 2026 Fresh Wind Consulting. All rights reserved.
Take home
What you are leaving with
A cost floor and price for one product
Your startup budget and cash need
A plan to separate business money
Next week
Funding Your Vision
Questions? Book a one-on-one session.
Scan for your templates
Launch Ready · Session 3 · Money Matters: Budgeting & Pricing
© 2026 Fresh Wind Consulting. All rights reserved.
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Session 3
Today's session
Startup costs and pricing
Cash flow and keeping money separate
Building credit and banking relationships
You leave with
A startup budget and a price you can defend
Three money words
Sales keep you busy. Profit keeps you open. Cash keeps you alive.
Startup costs
Two kinds of costs
One-time, to get started
- Equipment and tools
- Business registration ($60 in Ontario)
- First batch of inventory or supplies
- Logo, cards, simple website
Monthly, to keep going
- Phone and internet
- Supplies and ingredients
- Insurance
- Marketing, rent or kitchen time
Pricing
Three ways to set a price
Cost-plus
Add up what it costs you, then add your profit on top.
Market
Look at what others charge for something similar.
Value
What is it worth to the customer? Time saved, stress removed.
Worked example
Pricing one jar of seasoning
| Cost item | Amount |
|---|---|
| Ingredients | $3.20 |
| Jar and label | $1.30 |
| Your time: 15 min at $25/hr | $6.25 |
| Total cost per jar | $10.75 |
| Selling price | $16.00 |
| Profit per jar | $5.25 |
Your turn · 5 minutes
Pen and paper · use your handout
Price one product or service
- Pick your main product or service
- List every cost for one unit, including your time
- Add them up for your cost floor
- Choose a price and write why
If your price does not pay you for your time, it is not a price yet.
Remember
Pay yourself. Your time is a real cost.
Cash flow
A simple three-month cash flow
| Month 1 | Month 2 | Month 3 | |
|---|---|---|---|
| Money in | $800 | $1,400 | $2,000 |
| Money out | $1,500 | $1,100 | $1,200 |
| Left over | −$700 | $300 | $800 |
| Running balance | −$700 | −$400 | $400 |
Your turn · 8 minutes
Pen and paper · use your handout
Fill in your startup budget
- List one-time costs from your notes
- List monthly costs
- Estimate three months of money in, honestly
- Find your lowest running balance
Your lowest running balance is how much cash you need to start.
Good habits
Keep business and personal money apart
Open a separate account
Even a second personal account works to start.
Use one card for business
Every business purchase in one place.
Photograph every receipt
A phone folder is enough to begin.
15 minutes every week
Same day, same time, check money in and out.
Credit and banking
Build your credit and banking relationships
Pay every bill on time. Payment history drives your credit score.
Keep balances low. Use well under your credit limit.
Get to know a banker. Meet them before you need money, not after.
Keep clean records. Statements and receipts make lending easier later.
Take home
What you are leaving with
A cost floor and price for one product
Your startup budget and cash need
A plan to separate business money
Next week
Funding Your Vision
Questions? Book a one-on-one session.
© 2026 Fresh Wind Consulting. All rights reserved. Shared with Launch Ready participants for personal use. Please don’t copy, republish or resell.