Workshop Curriculum

Temas

A detailed look at the topics explored across all workshop sessions, from the fundamentals of financial separation to navigating government support programs.

Module 1

Why does separating your personal and business money matter so much?

When personal and business finances mix, it becomes nearly impossible to know whether a business is actually profitable. Expenses from home blend with business costs. Money that should stay in the business gets used for personal needs without a clear record.

This module starts with the concept of the business as a separate entity. Not in a legal sense necessarily, but as a mental model that changes how a participant thinks about every transaction they make.

We look at practical steps: opening a dedicated account, creating a clear rule about how the owner pays themselves, and deciding what counts as a business expense versus a personal one.

Dedicated accounts
Owner pay structure
Expense categorization
Mental model shift
Workshop participant working through finance separation exercises with notebook and calculator
Module 2

How do you start tracking income and expenses without complex tools?

Many entrepreneurs assume that financial record-keeping requires accounting software, spreadsheets, or a professional's help. This module shows that a simple notebook, used consistently, provides far more insight than sophisticated software used irregularly.

We introduce a daily recording habit: at the end of each business day, participants note what came in, what went out, and what the net result was. After one week, patterns emerge. After one month, it becomes possible to plan.

For participants who are comfortable with technology, we also introduce free digital tools. But the analog method is always taught first, because it works everywhere and does not depend on internet access.

Entrepreneur recording daily income and expenses in a handwritten ledger notebook at her market stall
Module 3

What government programs exist for women-led small businesses in Mexico?

This is often the session that generates the most questions. Many participants have heard that programs exist but have never found a clear, current picture of what is actually available and who qualifies.

We provide an overview of federal programs including those administered through the Secretaría de Economía, IMSS programs for informal workers, and state-level initiatives in Veracruz. We also look at financial products offered by development banks like Bancomext and Nafin that are specifically designed for small businesses.

A key part of this module is helping participants understand how to find current information. Programs change frequently. We teach participants how to use official government websites to verify whether a program is still active and what the current requirements are.

Secretaría de Economía
Veracruz state programs
Development banks
How to verify eligibility
Workshop facilitator showing participants how to navigate official government websites for small business support programs
Module 4

What does fiscal formalization actually involve for a small business?

The word "formalization" can feel intimidating. This module removes the mystery without simplifying the complexity. We explain what an RFC is, how CFDI invoicing works, and what the most common tax regimes for small businesses look like in practical terms.

We pay particular attention to the Régimen Simplificado de Confianza (RESICO), which was designed to make tax compliance more accessible for small businesses. We explain what it involves and what obligations it creates, without recommending whether any participant should or should not register.

This session also addresses common misconceptions: that formal businesses pay more taxes than informal ones, that the process is too complicated to navigate without a professional, and that registration is irreversible. We present factual information and encourage participants to consult a certified accountant before making any decisions.

Financial educator presenting fiscal formalization concepts on a whiteboard to a small group of attentive women entrepreneurs
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Educational activity only. Does not constitute accounting or legal advice.