Guides

Guides for home-based service owners

Three long-form guides covering the money decisions that shape a home-based service business: what to charge, when to hire, and when to leave home.

Written by Ali Sedighi, MBALast updated:

These guides are for owners who would rather do the thinking themselves and call only if they get stuck. Each one covers a single decision that most home-based service businesses face, uses worked numbers you can replace with your own, and ends with a short checklist. Read them in order if you can: pricing first, then hiring, then space. Each decision depends on the one before it.

Pricing a home-based service

Pricing a home-based service shows how to calculate what an hour of your business really costs and turn it into rates. It walks through a full time audit, including the travel, messaging, quoting and supply runs most owners never count, and builds a rate from target income and costs.

You'll learn:

  • how to find your real hourly rate in an evening
  • how to set minimum charges and travel zones
  • how to tell existing customers about a price change
  • the pricing mistakes that are specific to working from home

From solo to first hire

From solo to first hire helps you decide whether your business can carry a second person and which role should come first. It includes the affordability test, a comparison of helpers, technicians, admin support and subcontractors, and the questions to take to the CRA, your workers' compensation board, your insurer and your municipality.

You'll learn:

  • the signals that it's time, and the ones that only feel like it
  • how to calculate break-even for a first hire
  • what to hand over first and how to train for it
  • how to set a review date so a poor hire doesn't drift

When to move the business out of your home

When to move out of home puts numbers on one of the most emotional decisions in a home business. It compares staying, stepping stones such as storage or shared space, and a full lease, and shows how to set trigger points.

You'll learn:

  • the four kinds of pressure that push businesses out of the house
  • how to cost a move fully, including commute and admin time
  • cheaper in-between options and when each makes sense
  • how a move changes the way customers find you

Who the guides are written for

They are written for the owner of a service business run from a home or a vehicle, with no shopfront and usually no staff yet. That covers a wide range: house cleaners, mobile groomers, tutors, home-studio hairstylists, bookkeepers, photographers, handypersons, gardeners and mobile mechanics, among many others.

The examples change from guide to guide so you can see the method work in different trades and professions. The arithmetic is the same whatever you do; only the numbers change.

What the guides deliberately leave out

Three subjects are left to the people who are qualified to answer them. Municipal licensing and zoning differ by city, so we point you to your own municipality. Tax treatment, including home-office claims and sales-tax registration, belongs with the CRA and an accountant. Employment law belongs with your provincial employment standards office or a lawyer. Where a guide touches one of these, it links to an official source we have checked and stops there.

How to use these guides

Treat each guide as a worksheet, not just reading. Open a spreadsheet, replace our example numbers with yours, and see where you land. Where a guide says "check with your municipality" or "ask the CRA", that is because the answer genuinely varies or belongs to them.

If the numbers point somewhere you didn't expect, that is usually the most useful moment to talk. The services overview describes how we help with each decision, the pricing page shows what it costs, and the contact page explains how to reach us.

Frequently asked questions

Are the guides free?

Yes. They are written so you can make the decision yourself. If you'd like help applying them, the first 30-minute consultation is also free.

Which guide should I read first?

The pricing guide. Hiring and moving decisions both depend on knowing your real hourly rate, and that guide shows how to work it out.

Do the guides cover tax or bylaws?

No. They point you to the CRA and to your municipality for those questions, and focus on the business arithmetic.