When it comes to time and money, most people get it wrong.

They think that Time = Money.

That the more time you spend working, the more money you make.

In my experience in the corporate and the entrepreneur space, I’ve found that to be totally false.

Time on its own is like a single match. It can start a blazing wildfire…or it can sit unused on the countertop.

It all depends on how you use it.

Personally, I like to spend my time with my family, as much as possible. So I design my business to give me 12 weeks of paid annual leave.

And no, I don’t live on Ramen noodles to make that happen! My business still brings in multiple 6-figures, even with 12 weeks off a year.

Want to know how I do it? Here’s my super secret planning process to make a fantastic income with whatever time you have available.

It’s a replicable system anybody can use — which means it’s completely achievable for you, too.

All I ask is that you go into this with an open mind.

Instead of saying, “Yeah, but here’s why that won’t work for my time, Belle…” try asking, “HOW can I make this work for me?”

A willingness to approach your time differently is a prerequisite…because the corporate world teaches us the wrong lessons.


Deal? Cool. Let’s get started…

Step 1: Define your time

Most people start their yearly planning with an income goal.

But if you want a business that supports your life (and not the other way around) you HAVE to start with your time first.

Let’s get clear on how much time you really have to spend on money-generating activities.

The first thing to do is map out holidays for the whole year. You can keep your standard four weeks of annual leave, corporate world. We’re taking 12, thanks very much!

My holiday dates go into the calendar before anything else.

Then, it’s time to get real about your other commitments. Let’s say that before 9 in the morning and after 2 in the afternoon, you’re in Mum Mode. That gives you about five hours each day to devote to your business.

I know a lot of mums get scared at this point, thinking, “But I can’t make enough money only working five hours a day with 12 weeks of holidays!”

But you agreed to have an open mind about this, remember? So suspend that worry and let Auntie Belle show you everything’s gonna work out.

5 work hours a day X 5 days a week = 25 weekly hours

25 weekly hours X 40 weeks a year = 1,000 hours

That’s 1,000 hours to generate your yearly income. Right. Let’s keep going…

Step 2. Set your yearly income goal

Now that you know how much time you have, let’s talk about money, agave syrup. (Thought I was gonna say “honey”, didn’t ya? Gotta keep you on your toes!)

Riddle me this: How much money do you want your business to make this year?

No, not how much money do you want to make given that you’re “only” working 1000 hours? Simply, how much money do you want to make, FULL STOP?

I’ve done poor before and it’s not fun. Life isn’t meant to be simply survived. So make sure to include the things that make life more enjoyable when deciding on your goal income.

It might include ballet fees for your kids, holidays to exotic places, weekly lunches out with girlfriends or date nights with your partner.

When planning my goal income in the past, I included a fund to surprise a few women in my mumpreneur program to help with their business costs.

As someone who’s been through hard times myself, it made me so excited to think about giving back like that.

That’s exactly the type of light-you-up thing you want to dream about when you pick your goal income! Add in the things that make life meaningful for you.

For our example, let’s make your goal income $100K/year.

Step 3: Determine your strongest path to profit

This is the point in the process where we get strategic with it and figure out how you can generate your goal income within your available time.


Let’s say you have three main offers: a $500 design audit, a $1000 digital course, and $5000 logo design.

To bring in $100K this year, you could sell:

  • 200 design audits
  • 100 digital courses
  • 20 logo designs
  • 40 digital courses and 12 logo designs
  • 100 design audits, 25 digital courses, and 5 logo designs

…You get the idea.

Do any of those options feel realistic, given your available time? If so, great! Move on to the next step.

If not, don’t despair! This is only our starting point so keep that mind wide open, Mumma!

We go way deeper into making more money in less time inside mumpreneur. But here are three ways to get started:

Increase your prices

Most mums I work with greatly undervalue their skills. That’s why it’s so important to revisit your pricing and consider whether it reflects your true value.

Is it time to give yourself a raise?

Move from one-to-one to one-to-many

It’s usually much more time-effective to offer services in a one-to-many format.

If you’re currently working in a one-on-one fashion, how you could offer your services to serve more than one client at once?

You can…

  • Write a book
  • Create an online course
  • Run a face-to-face or online workshop
  • Offer group consultancy
  • Train others to do what you do
  • Sell other people’s products to make affiliate income

There are so many ways to do it! Get creative and think about how you can serve more people and deliver the same (or greater) value with less time.

Focus on efficiency

Another strategy to increase your profitability is to reduce the time it takes to deliver each offer.

The key here is to use your time to deliver VALUE. How can you maintain or increase the value, and decrease your time?

Can you create systems, checklists, or templates to speed up the process?

Are there any parts of your packages that don’t add value, that you can cut out?

Could you hire a VA or junior designer to do some of the work for you?

Remember, this process is about working smart, not working hard! Focus your energy on the paths to profit that give you the best financial return on your time. Don’t be afraid to trim the rest.

Step 4: Map out your quarterly plan

Instead of getting overwhelmed by your yearly goal, let’s break it down into quarters (three-month periods). We need to make it believable to feel achievable.

Let’s say your yearly strategy is to sell 40 digital courses and 12 logo designs to make $100K. Looking at your available time, what needs to happen when?

Maybe you only have 100 hours available in Quarter 1 because you have holidays planned. You could focus on creating marketing to sell 25 digital courses that quarter, because that doesn’t involve much time.

In Quarter 2, the kids are in school and you have 350 hours. So you could create some systems to improve your logo design efficiency and take on 5 new design clients.

Keep going like this to break your yearly goal into manageable chunks.

It’s up to you how detailed you want to get with your planning. I like to map it all out in my digital calendar and choose the specific tasks I’ll work on every week of the next quarter. If you do better with a more flexible plan, that’s okay too!

Step 5: Follow through on your plan

Are you starting to see how this could actually work? Starting to feel like maybe crazy Belle isn’t so crazy after all? 🙂

Once you map out your quarterly plan, your job is to stick to it! You’ve already discovered how you can achieve your goals in your available time — now all you need to do is follow through.

There’s a common conversation I have with my corporate coaching clients when they don’t follow through on their plans. They often tell me they’re “time-poor”.

To which, I have to put on my tough love pants and say, well, no, you’re not. You can’t be time-poor — that’s not even a thing! Everyone is given exactly the same amount of time.

You’re just not time-effective yet.

To be time-effective, you have to prioritize. You have to say “no” to things that aren’t part of your plan. You have to stay focused on what you set out to do and ignore the rest.

There’s no shortcut or sparkly secret to this one. You simply have to trust your plan and get to work!

Step 6: Review and adjust

This is a crucial part of the system that many people miss.

At the end of each quarter, have a little review session with yourself:

Did you stick to your plan?


Did you hit your income goals?


What worked well? What made you money? What work did you enjoy?


What didn’t work well? What was a time or money suck? Where did you get stuck or stop?

If you didn’t hit your income goals, don’t let it get you down. Failing is actually a really good thing! It shows us what doesn’t work so we can do more of what does in future quarters.

Make little adjustments to your plan — doing more of what worked and less of what didn’t — and repeat Steps 4 and 5.

And now, my love, all you have to is get out there and kick butt.

Embrace change. Take action. Be brave.

You can totally create your business around the life that YOU want, not anyone else. If you’re willing to be creative and be smart with your time, you can absolutely make 6-figures while taking 12 weeks holiday!

Next week, I’m releasing a brand new FREE tool to help you build your business on your time. If you’re not on the email list already, click here to sign up to be the first to grab it. Trust me, it’s a goodie!


Related: Being #awkwardstripper brave with your goals