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How to Wipe Away Financial Overwhelm Even If You're Not An Accountant

Get the step-by-step guides, tools, and live coaching that work exclusively for Quilt Shops.

Quilt shop owners get so overwhelmed by the management of money. Many do not even know where to begin.


They have questions like:

  • “I don’t have any money; why do I owe taxes?”

  • “How do I grow when I don’t have any money?”

  • “That doesn’t make me money. When do I have time for that?”


They get letters in the mail saying they owe tons in taxes, and they think, “How am I going to pay that?”


They get questions from customers like:


“Do you have any more of this?”
And they answer, “Unfortunately, I don’t.”
And they think, “How am I going to get more?”

quilt shop owners

Or worse…

“Wow, you must be doing well. Do you have any specials right now?”
And they’re thinking,
“Doing well? Are you kidding me!?! I’m barely scraping by here!”


But they know they need to do something. They know that they can’t ignore it for too long. And all this worry builds and causes distractions, stress, and frustration.

The experts tell quilt shop owners to sell online, do Facebook lives, and use this platform or that platform. And so they do, and the sales come in! But they still haven’t filed their taxes, or worse, they don’t have the money to pay their taxes.

They are working 60+ hours each week, barely getting any sleep. They know they need to hire somebody, but they don’t have the money to hire anybody.

Then one day, they look around the shop, and the shelves are all but empty! All the fabric, kits, and notions are all sold; only a few remain. They go to order new and replacement material, but…  


ERROR! Their card has been declined.

With a sinking feeling in their stomach, they find they have reached their credit limit, and their bank account has less than $500 in it. The panic is entirely on them now, “How am I going to replace all this inventory? How can I make more money if I don’t have anything to sell?”

But it doesn’t have to be this way.

soft fabric

I know because I have seen it.

Experts say that we MUST do our bookkeeping, understand the Profit and Loss Statement, tie out the Balance Sheet, calculate our Key Performance Indicators (KPIs), and use financial metrics to grow and manage our business.

But no one takes the time to explain it, especially in a way that makes sense, that doesn’t take a college degree in finance, accounting, and tax to understand.

I couldn’t agree more! And that is why it is my mission to do just that. To provide you with simple explanations and practical tools that will actually help you.

Imagine if you could wake up each morning knowing that you have a financial plan in place no matter what happens, knowing that you are in control of your money for the first time in your life.

What if… you could pay your taxes, hire employees, and buy inventory without worrying about if you have the money or hoping you can make it to the next big sale. How would this change your life?

The reality is that you can have it.

I’m Jacob Curtis, CPA, Profit Strategist, and owner of a quilt shop.

In 2019, I became the co-owner of a quilt shop that was on its very last leg: no money in the bank, nearly one hundred thousand dollars in debt, thousands owed in back taxes, and a partner who was completely overwhelmed.

I don’t share this for you to throw me a pity party, but I want you to know that you are not alone.

Your struggles are NOT unique. We have similar challenges that can be fixed!

We tried doing what all the “experts” say. Doing the bookkeeping, tracking our KPIs and other metrics, but we were not making any headway, no progress. I was getting burned out after only one year. My partner had been doing this for years already; she must have been scraping the bottom of the barrel.

And then, after about a year, my partner made an offhand comment something like:

“If we had a profit, where is the cash? And since we have hardly any cash, but we had a profit, where are we going to get the cash to pay our taxes?”

Then it hit me! Everything just clicked!

I discovered and implemented the principles of Money Made Simple Academy, which has drastically improved our lives.

We paid off all debt, nearly one hundred thousand dollars, in just over one year!

We were able to give our employees raises!

My partner, the general manager, is now getting paid like it!

All thanks to Money Made Simple Academy for quilt shops.

So What Is Money Made Simple Academy?

Money Made Simple Academy is a series of simple on-demand courses, tools, and live coaching that wipes away financial overwhelm in your quilt shop and life!

There are three core functions that every quilt shop needs to have. Without these three functions working in harmony, you don’t have a successful quilt shop; you have a significant source of your overwhelm!


These core functions are what I call the Financial Triangle.


Before you start daydreaming, please note that every successful business out there has the Triangle. Think of it as a universal law. It just is. Your business either has it or needs it.

The core functions of the Financial Triangle are:

  1. Cash Management

  2. Bookkeeping & Tax

  3. Analysis & Planning


When you have no idea where to start, you can’t get financial clarity; you can’t control your money, you have no idea where your money goes, you don’t fully understand the impact of your decisions on your bank account.

When your Financial Triangle is in shambles, you can’t have peace; you stress and worry. You can’t see the light in the darkness. You are anxious, frustrated, and overwhelmed.

bolts of fabric
quilt store owners

How Does Money Made Simple Academy Help You?

Money Made Simple Academy walks you through the entire Financial Triangle.

The core functions are explained in simple terms that are applicable to quilt shops. The tools are practical and the systems useful so you can get out of your own way, start building a business that serves you, and create that stability that you’ve always dreamed of having.

But Money Made Simple Academy is so much more than just a few tools and systems to use in your quilt shop.


You will get:

  • A financial plan to permanent profitability

  • Financial clarity around your business

  • Control of your finances

  • Knowing where and why you spend money

  • An understanding of how your decisions impact your bank account

  • The exact steps to getting the effective yet simple cash management system

  • The tutorials that eliminate confusion

  • A process of knowing what to focus on next

So What’s Included In Money Made Simple Academy?


Available Now! Profit First for Quilt Shops System ($200 Value) - This is the customized Profit First cash management system developed by Mike Michalowicz in his book Profit First. In this course, you will learn how to instantly assess your business’s financial health, set up the PF System in your quilt shop, and scale and maintain profitability for your business.

Coming Soon! Fix This Next Decision Method ($200 Value) - This methodology introduces you to the Business Hierarchy of Needs (BHN) developed by Mike Michalowicz in his book Fix This Next. This revolutionary decision method tells you what you need to focus on right now.

Coming Soon! QuickBooks Online Tutorials ($200 Value) - These step-by-step QuickBooks Online Tutorials help you know exactly how to set up and the best practices for QuickBooks Online, from sales and deposits to expenses and credits cards, even how to handle inventory. This unique tutorial series continues to grow and is updated regularly.

Coming Soon! QuickBooks Desktop Tutorials ($200) - These step-by-step QuickBooks Desktop Tutorials help you know exactly how to set up and the best practices for QuickBooks Desktop, from sales and deposits to expenses and credits cards, even how to handle inventory. This series covers it all. This unique tutorial series continues to grow and is updated regularly.

Coming Soon! Shopify Tutorials ($150 Value) - These tutorial series walk you through setting up Shopify, the best practices, and how to use the various features, including QB integrations.

Coming Soon! Like Sew Websites Tutorials ($150 Value) - These tutorial series walk you through the best practices and how to use the various features of LikeSew, including QB integrations.

Coming Soon! CommentSold Tutorials ($150 Value) - These tutorial series walk you through the best practices and how to use the various features of CommentSold, including QB integrations.

Coming Soon! VendHQ Tutorials ($150 Value) - These tutorial series walk you through the best practices and how to use the various features of VendHQ, including QB integrations.

Coming Soon! Other Commonly Used Software Tutorials ($150 Value) - These tutorial series walk you through the best practices and how to use other commonly used software in the quilting industry today!

Coming Soon! Financial Planning and Analysis Series ($250 Value) - This series explains the financial statements and how to read and interpret them, leaving you feeling confident that you plan for your future!

Coming Soon! Exclusive Facebook Community ($150 Value) - Join real people in a genuine and supportive community! If you’re like me, then you know being a quilt shop owner can be lonely. Trying to figure everything out on your own with no one to bounce ideas off of can be frustrating. With our supportive community, you’ll never have to feel alone again. As part of our community, you’ll surround yourself with brilliant people who can answer questions and provide support along the way.

Available Now! Monthly Live Q&A Sessions ($250 Value) - Each month, you have the opportunity to ask your questions live of Jacob and the Team. These sessions are recorded for instant replay access!


New content is added each month picked by members of MMSA!

Who Is MMSA For?


While Money Made Simple Academy is needed in every business in every industry, my specialty is quilt shop owners who want to take control of their money, stabilize their quilt shop, and grow their business.

Money Made Simple Academy is best suited for quilt shop owners dedicated to making their business a reality. MMSA members are actively building their business and working themselves night and day to make it happen.

They know there is a better way than what they are doing, and they don’t see themselves on the hamster wheel forever.

They want to take control of their money and scale their quilt shop but do not know where to start. Money Made Simple Academy gives them the roadmap to follow.

quilt shop

But I don’t have time to do this…

You will do what is a priority. If getting control of your financial life and gaining financial stability is important to you, then you will make the time.

There are three general functions in every business, and quilt shops are no exception, each with equal importance:

  1. Sales & Marketing

  2. Operations

  3. Financial Administration


If you prioritize one or two of them over the others, you cannot succeed.

If you prioritize Sales and Operations, you will not be profitable and will end up shutting down.


If you prioritize Operations and Finances, you will have talented people who will leave because they will not advance; you will not grow and scale.


If you prioritize Sales and Finances, you will not keep customers and will be reputed to have terrible products and services, stunting growth.


You will get done what you make important and prioritize.

But I don’t have the money…

If you are not profitable today, when will you be? You never will be profitable without making it a priority.

Profitability is NOT an event. Profitability is a habit.

You must be profitable every day, in every transaction, with every decision.

To pay off debt and grow, you must, in fact, be profitable. Your income must be higher than the expenses generated to produce that income.

Profitability must start today. If it doesn’t, then you will never move forward.

But I don’t think I’ll get any value from it…

“Whether you think you can, or you think you can't - you're right.” - Henry Ford.

My mom told me that there are two kinds of people in the world: First, those that learn from other’s mistakes, and second, those that learn from their own mistakes. The first is happy, and the second is miserable.

The content for this membership includes lessons learned from my and others’ experiences. This membership is meant to help you skip most, if not all, the misery and grow the quilt shop that you have always wanted.


How Much Is MMSA?

Lock in your membership with the Early Bird Discount! 

Only $27 per month or $277 per year. No contract.

Lock in your rate here!

Once you become a member, we will never change your membership fees!

MMSA will never be this low again. MMSA is in the beginning stages. As we add more content and build out the membership, the price will only go up from here.

If you have any questions, please feel free to email me at

Finally, Money Made Simple Academy is not for those who are looking for a quick fix. Or don’t see the value in growing their quilt shop through financial education, tools, and systems. This is not for those who are not ready to get off the hamster wheel and start being strategic about their quilt shop.

fabric store
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3238 Hearth Hollow Rd

Columbia, TN 38401

(615) 592-6452

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Copper Coin Financial, PC

dba Curtis Accounting Solutions

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