Below The Line Finance


Hi there, I’m Harriet

Your Friendly & Welcoming Finance Guide!


I know business numbers can feel hard and scary when you have a creative spirit.
But I believe no one should feel fear when it comes to navigating their finances – so step into my supportive space, learn from my expertise and grow your number confidence to build your dreams!

Harriet Formby MA ACA

Small Business CFO | Chartered Accountant | Mentor & Educator

Accountancy Services Finance for Un-Incorporated Business Owners

All your accountancy, reporting and compliance needs ‘done for you’.

 Tax Planning, Personal Tax Returns, VAT, Payroll/Pensions support

Mini CFO Strategic Finance for Un-Incorporated Business Owners

With Mini CFO for un-incorporated businesses you get bespoke finance support to nourish your dreams in a predictable monthly fee.

Combining savvy and commercial CFO support sessions and advice to help you build and develop the business of your dreams. Along with your annual self assessment tax return and tax planning sorted for you!

If you are VAT registered, or employ people we can also take care of all the HMRC admin and payroll filings on your behalf.

Power Hour: Finance Consultations – for when you need a bit of guidance!

If you’re not quite ready for a Mini CFO retainer but would like some advice to solve your queries, niggles and help you feel better about finances. 

You can book in for an advice consultation to go from confusion to financial peace of mind in 60 minutes!.

These sessions are for everyone! Whether you are a full time business owner, side hustler, freelancer, solo-preneur or founder.

 Finance Training & Resources for Small Business Owners and Freelancers

I am building some affordable finance resources, templates and training courses specifically to empower small business owners to grow their vision with profit & purpose. Designed to help you tackle scary finance topics in a fun and friendly way.

This is for wonderful, creative entrepreneurs. Who – quite frankly – would much prefer to be creating in their business than looking at their financials.

I will help you to understand your business numbers, so you can live a profitable and purposeful entrepreneurial life. Reaching the scale, positive impact and money goals you desire.

Topics covered will include the ‘fundamentals of business finance’, pricing for profit, budgeting, raising funds, hiring your first employee to scaling your venture and more!

Free Monthly Finance Masterclass Series  

You can often feel freaked out by finances as a creative founder. But it doesn’t have to be that way!

Introducing a free practical & down to Earth training series of monthly masterclasses, tips and support so you can live your best life with profits and purpose.

Harriet will support you to Get Number Savvy through this free finance masterclass series. Sign up for the upcoming Monthly Masterclass or access the Replays & Resources here.

Facebook Group for Creative Business Owners 

 Join a community of like minded creative entrepreneurs to access additional business numbers related Q&A, tips, resources and relatable finance knowhow.

Take the quiz to find out how well you’re really doing with the finance fundamentals (and receive some tailored guidance)

Are you on the mailing list?

Did you know we send out a regular friendly finance newsletters, ‘Backstage With Below The Line Finance’.

It’s full of Down to Earth finance tips, guidance and resources – to help you feel good about your business numbers!