Newsletter: December 2025

Back To Newsletters

You’ve just stepped into another moment of clarity ☁️

Welcome back to
Financial Insights with Lozelle!

These are the rhythms and reflections shaping this month:

December hits your cash flow in very specific ways.
Revenue spikes, but a chunk of it is gift cards. That is liability on your books, not income you can actually spend.

You want to bonus your team because they earned it. But you also need to protect January payroll and vendor payments. This is the moment when owners feel great about the top line and uneasy about the bank balance at the same time.

The week between Christmas and New Year? That’s when you see what’s really going on with your cash flow. Not the story you told yourself in the middle of the rush, but the real numbers. What actually worked. What drained cash. What needs to shift.

Do not wait until January to look at Q4.
By then, you are already making decisions based on assumptions instead of reality. Look now. Sit with the numbers now. Your January will be steadier because of it.

✨Where Our Energy Went

November had us in the room with people making big calls.

Should they open another location? Bring on a partner? Buy that equipment now or wait? These are not small questions when you are running a practice that employs people and supports families.

We kept seeing the same pattern. Owners who are doing well but cannot figure out why the money does not feel right. Growth that looks great on paper but bleeds cash in real life. The numbers say one thing but the bank account says something else.

This is where we come in. We see what they cannot because they are busy running the business. Then we help them make sense of it so they know what to do next.

More revenue does not automatically mean more profit. That is what people do not get. More locations. More people depending on you. It sounds exciting until you realize you might be scaling chaos instead of actual profit.

When clients show us the messy parts, the full picture, we can actually help them fix what is broken. That is the whole point.

🍃Thoughtful Reads for Your Practice

December Bonuses and Cash Flow Management for Medical Spas

❝You can absolutely reward your staff. Just make sure you have a plan that keeps your business strong through January and beyond.❞

The Week Between: Year-End Financial Clarity for Health & Wellness Owners

❝The health and wellness owners who thrive in spring aren’t the ones who hustled hardest in December. They’re the ones who got quiet enough to notice their body, their mind, and their financial patterns.❞

🌿Mindful thought of the month

December is when some business owners make bad money decisions because they’re tired and panicking about taxes.

Do not buy equipment you do not need just to get a deduction. Do not hire in a rush because you feel behind. Do not ignore your Q4 numbers because holiday chaos took over.

Look at what actually happened this year. Then make your January decisions based on reality, not exhaustion.

Your team is paying attention to how you lead through year-end. If you are scattered, they will be too. If you stay calm and grounded, they will follow your pace. How you move, they move.

Fall dangerously in love with your finances.

A set of gold leaves on a white background.

📖 Get our latest eBooks!

Running a health and wellness business takes heart, intuition, and grit, but it also takes clarity.

That’s why we created industry-specific e-books for medical spas and aesthetic practices, holistic and medical clinics, day spas and massage therapists, chiropractic and wellness centers, yoga and Pilates studios, mental health counseling and specialized therapy, fitness and gym centers, physical therapy and rehab clinics, and dental practices. Each guide tackles the stuff you’re dealing with. The cash flow stress. The bookkeeping gaps. The operational chaos. The fraud risks that slip into busy, fast-moving wellness businesses.

Choose the e-book that matches your world and the way your business actually runs. Let it meet you exactly where you are, whether you’re scaling, stabilizing, or finally ready to understand your numbers.

Note: by downloading one or multiple ebooks, you’re agreeing that you won’t copy and/or distribute its content without permission.

📲 Get financial clarity in your feed

Stay grounded. Get clear. Grow strong.
Follow us in our social media for practical financial tips.

Fall Dangerously in love with your finances

Stop the financial stress and ignite your passion!
Schedule a free consultation to find out how
Healthy Bodies of Finance can help your holistic practice thrive.