How to Handle Late Payments Without Hurting Client Relationships

Let’s be honest - dealing with late payments in small business is the headache no one warns you about.

You’ve done the work, sent the invoice, and now you’re stuck waiting... and waiting... and waiting.

The problem? Late payments don’t just mess with your cash flow, they can mess with your client relationships too.

But here’s the good news: you can handle late payments professionally, protect your business, and keep your clients happy. Let’s break down exactly how.

💡 Why Late Payments Happen (It’s Not Always About You)

First, let’s clear the air:
Late payments don’t always mean your client is flaky or disrespectful. Sometimes it’s just:
✅ Internal processes at their company
✅ Their own cash flow issues
✅ Forgetfulness or miscommunication

Understanding this helps you approach the situation with empathy, not frustration.

📅 Step 1: Set Clear Payment Terms (Before the Work Starts)

Prevention > cure.

Before you even send an invoice:
✅ State your payment terms (e.g., Net-7, Net-15, or Net-30)
✅ Include late fee policies
✅ Outline these terms in your contract or agreement

When expectations are clear upfront, you avoid awkward “I didn’t know” conversations later.

📩 Step 2: Send Invoices Promptly and Professionally

Sounds obvious, but many small business owners delay their own invoicing, then get frustrated when payments are late.

Best practices:

• Send invoices immediately upon project completion

• Use professional invoicing software (like QuickBooks or Wave)

• Include a friendly note with the invoice

Example:
"Thanks for working with me! Please see the attached invoice, due within 15 days as agreed. Let me know if you have any questions!"

⏰ Step 3: Follow Up (Without Feeling Pushy)

A polite reminder is often all it takes. Here’s a simple script you can use:

"Hi [Client Name], just a friendly reminder that invoice #[number] is due on [date]. Let me know if you need another copy or have any questions!"

If a payment is already late, say:

"Hi [Client], hope you’re well! Just checking in - invoice #[number] was due on [date]. Can you let me know the status? Thanks so much!"

Polite, professional, and non-confrontational.

💳 Step 4: Offer Flexible Payment Options

Sometimes late payments happen because your client is struggling with cash flow too. If you can, consider offering:
✅ Payment plans for larger invoices
✅ Multiple payment methods (ACH, credit card, PayPal)

This builds goodwill and shows you’re a partner, not just a vendor.

⚖️ Step 5: Know When to Enforce Late Fees

Late fees are fair, but they only work if you stick to them. If you’ve outlined a late fee in your contract (e.g., 2% per month overdue), don’t hesitate to enforce it when needed.

That said, use your judgment - sometimes waiving a late fee for a long-term, loyal client is worth it for the relationship.

🤝 Step 6: Protect the Relationship

Always assume the best unless proven otherwise. Approach late payments as a conversation, not a confrontation.

Phrase your follow-ups in a way that’s collaborative:
"Let’s get this squared away so we can keep moving forward on your projects!"

This keeps the vibe positive and professional, and keeps clients coming back.

🌟 Final Thoughts

Dealing with late payments in small business isn’t fun - but it’s part of the game.

By setting clear terms, following up consistently, and balancing professionalism with empathy, you can protect your cash flow without damaging your client relationships.

Tax Deductions You’re Probably Missing in Your Business

Let’s be honest - taxes are nobody’s favorite part of running a business. And if you’re a freelancer, consultant, or small business owner, there’s a good chance you’re leaving money on the table by not knowing what you can actually deduct.

That’s where these business finance tax deduction tips come in.

These aren’t the obvious ones (like office supplies or your accountant’s fee) - these are the sneaky, often-overlooked deductions that could save you thousands.

Let’s dive in.

💡 1. Home Office Deduction

Yep, your home workspace could be a goldmine for deductions. If you:
✅ Use part of your home exclusively for business
✅ And it’s your primary place of business

You can deduct a portion of:

• Rent or mortgage interest

• Utilities

• Internet

• Repairs

Pro tip: Use the simplified method if math isn’t your thing (it’s $5 per square foot, up to 300 square feet).

💡 2. Business Use of Your Car

If you use your car for business, even a little - you can deduct:
🚗 Mileage (65.5 cents per mile for 2023!)
🚗 Tolls and parking fees
🚗 Lease payments or depreciation (for owned vehicles)

But here’s the catch: You must track your miles - apps like MileIQ or QuickBooks Self-Employed make it easy.

💡 3. Professional Development

That course you took on marketing? The business finance workshop you attended? The industry conference in Vegas (yes, even that)?
✅ All tax-deductible.

You can write off:

• Registration fees

• Travel (flights, hotels, meals while traveling)

• Educational books and materials

Investing in yourself = tax savings.

💡 4. Software & Subscriptions

Those monthly fees add up, but they’re deductible! Think:
💻 Canva
💻 QuickBooks
💻 Zoom
💻 Cloud storage (Google Drive, Dropbox)
💻 Scheduling tools (Calendly, Dubsado)

If you use it for your business, it’s a deduction.

💡 5. Health Insurance (for Self-Employed)

If you’re a solo business owner paying for your own health insurance, guess what?
✅ You can deduct 100% of your premiums (for yourself, your spouse, and dependents).

This is a biggie, don’t skip it!

💡 6. Retirement Contributions

Saving for your future can also save you money now.
Contributions to:

• A Solo 401(k)

• A SEP IRA

• A SIMPLE IRA

are tax-deductible up to certain limits.

Plan ahead = less tax stress later.

💡 7. Phone & Internet

If you use your phone or internet for business (which, let’s be honest, who doesn’t?), you can deduct a portion of the bill.

Just make sure to:
✅ Keep records of usage
✅ Allocate a reasonable percentage (e.g., 50% if you split use with personal)

Final Thoughts

These business finance tax deduction tips can save you real money - but only if you use them!

Start small:
✅ Review your expenses
✅ Categorize what’s business vs. personal
✅ Track consistently

And when in doubt? Ask your accountant.

5 Signs You Need Help With Your Business Finances

Let’s be real - running a business is tough, and staying on top of your finances? Even tougher.

If you’ve been feeling overwhelmed, unsure if you’re making a profit, or just winging it when it comes to taxes and cash flow, you’re not alone. But here’s the thing: ignoring money problems won’t make them go away, it’ll just make them harder to fix later.

So how do you know when it’s time to stop DIYing your books and get some expert help?

Here are 5 clear signs your business needs financial help, and what to do about it.

🚩 1. You Don’t Know if You’re Profitable

Let’s start with the big one: Are you making money or not?

If you don’t know your profit margins, can’t say what your top-selling products or services are, or aren’t sure how much cash you’ll have at the end of the month - that’s a red flag.

👉 Solution:
Get a clear view of your numbers. A bookkeeper or accountant can help you set up simple reports (like a P&L and cash flow statement) so you always know where you stand.

🚩 2. Your Cash Flow Feels Like a Roller Coaster

One month, you’re flush with cash. The next? You’re scrambling to pay bills.

Inconsistent cash flow is one of the top signs your business needs financial help, and it’s a major reason businesses fail.

👉 Solution:
A finance pro can help you create a cash flow forecast, manage payment terms, and even set up strategies like payment plans or deposits to smooth out the ups and downs.

🚩 3. Tax Season Feels Like a Nightmare

If you’re panicking every April (or worse, filing extensions because you’re unprepared), it’s time to get proactive.

👉 Solution:
A bookkeeper can keep your records organized year-round, so tax time becomes a breeze. They’ll help you track deductible expenses, file on time, and even save money by spotting tax-saving opportunities you might miss.

🚩 4. You’re Too Busy to Manage Your Finances

If you’re spending more time on client work or growing your business (great!) but neglecting your books (not so great), it’s time to delegate.

👉 Solution:
Your time is valuable. A financial expert can handle the day-to-day numbers, so you can focus on what you do best - running your business.

🚩 5. Your Business Is Growing, but Your Finances Aren’t

If your revenue is up but your bank balance isn’t, something’s off. This is one of the most common, and most overlooked signs your business needs financial help.

👉 Solution:
You may need better pricing strategies, cost controls, or financial planning. An expert can help you create a roadmap for sustainable growth.

Final Thoughts

Don’t wait for a financial crisis to get help. If any of these signs sound familiar, it’s time to take action.

The sooner you organize your finances, the sooner you’ll feel confident, in control, and ready to grow.

The Best Way to Organize Your Business Receipts

Let’s face it: tracking down business receipts during tax season is the WORST. You know you bought that printer ink, but where’s the proof? That client lunch? Buried somewhere in your inbox.

Organizing business receipts for taxes isn’t just about staying neat - it’s about saving money, avoiding headaches, and keeping the IRS happy.

The good news? You don’t need a fancy system or expensive software. Just a simple, consistent method that works for you.

Here’s exactly how to organize your business receipts like a pro, without spending hours on paperwork.

🚀 Why Organizing Business Receipts Matters

💡 Fun fact: The IRS requires businesses to keep proof of expenses. If you can’t show it, you risk losing out on deductions, or worse - facing an audit.

A good receipt system helps you:
✅ Maximize tax deductions
✅ Make bookkeeping easier
✅ Stay stress-free at tax time
✅ Prove your case if audited

So, let’s make it simple.

🗂️ Step 1: Choose Your System (Digital or Paper)

First, decide:

• Digital receipts: Scan or save PDF copies

• Paper receipts: Store them in folders, envelopes, or binders

📲 Pro Tip: Go digital whenever possible. Apps like QuickBooks, Dext, or Expensify make it easy to snap photos and auto-organize receipts.

📸 Step 2: Scan and Save Receipts Immediately

Don’t let receipts pile up. As soon as you get one:

• Snap a picture

• Upload it to your app, cloud folder (Google Drive, Dropbox), or bookkeeping software

• Add a note: client name, expense type, and date

Even if you keep paper copies, back them up digitally for peace of mind.

🗃️ Step 3: Organize by Category

For tax season, sort receipts into categories that match your tax forms:

• Office Supplies

• Travel & Meals

• Marketing

• Equipment & Assets

• Software & Subscriptions

• Client Expenses

• Miscellaneous

This makes it super easy to tally deductions later.

💸 Step 4: Keep Receipts for the Right Length of Time

For tax purposes, the IRS recommends:

• 3 years for most tax records

• 7 years if you claim a loss or deductions related to bad debt

So, make a habit of archiving old receipts once a year, but don’t toss them too soon!

🔒 Step 5: Secure Your Records

Back up your files in the cloud or on an external hard drive.
For physical receipts:

• Use folders labeled by year and category

• Keep them in a safe, dry place

Your future self (and your accountant) will thank you.

🏆 Bonus Tip: Create a Monthly Receipt Routine

Set a recurring calendar reminder:

• 10 minutes each week: Snap & file new receipts

• 30 minutes monthly: Review and categorize

Consistency = no chaos at tax time.

Final Thoughts

Organizing business receipts for taxes doesn’t have to be a chore. With the right system, and a little discipline, you’ll stay tax-ready, stress-free, and in control of your finances.

How to Separate Business and Personal Finances

Running a business is tough enough without the added stress of mixing personal and business finances. If you’ve ever wondered why your bookkeeping feels like a jumbled mess, or why tax season makes you want to pull your hair out - you’re not alone.

Here’s the thing: separating your business and personal finances is one of the smartest moves you can make. It’s not just about being organized (though that’s a huge bonus) - it’s about protecting your business, simplifying your taxes, and running your finances like a pro.

So, let’s break down exactly how to separate business and personal finances, step by step.

🚧 Why Separating Finances Matters

Before we dive in, let’s get real for a second:

💡 Mixing your personal and business money is risky.
You could:

• Miss out on tax deductions

• Struggle with cash flow

• Face IRS scrutiny or legal headaches

• Blur the lines between your business and personal liability

Bottom line? A little organization now saves a lot of stress later.

✅ Step 1: Open a Business Bank Account

This is your non-negotiable first step. Even if you’re a solo freelancer or side hustler, a dedicated business bank account is a must.

Why?

• It keeps your income and expenses cleanly separated

• It helps you track cash flow

• It makes tax time a breeze

Bonus points: Get a business debit card for easy access and to build your business credit.

✅ Step 2: Set Up a Business Credit Card (Optional but Powerful)

Once your business account is set, consider a business credit card. This:

• Keeps business expenses in one place

• Helps you earn rewards or cashback

• Builds credit history for your business

Just remember: Only use it for business. No sneaky Starbucks runs unless it’s for a client meeting!

✅ Step 3: Pay Yourself a Salary (Even If It’s Small)

Treat yourself like an employee.

• Decide on a set amount you’ll “pay” yourself from your business account each month

• Transfer it to your personal account

• Don’t dip into business funds randomly for personal spending

This creates clear lines between you and your business, helping with budgeting and tax planning.

✅ Step 4: Track Your Business Expenses Diligently

Use software (like QuickBooks, Wave, or a simple spreadsheet) to track business income and expenses.

Include:

• Office supplies

• Marketing costs

• Software subscriptions

• Client meals (but be careful with IRS rules!)

If it’s a business cost, log it in your business records - not your personal ones.

✅ Step 5: Keep Proof (Receipts, Invoices, and All That Good Stuff)

Back up your expenses with documentation:

• Save digital or physical copies of receipts

• Keep invoices organized

• Store everything in a cloud folder (Google Drive, Dropbox)

This protects you during tax time and if you’re ever audited.

✅ Step 6: Review Regularly (Don’t Let It Slide!)

Schedule a monthly money date with yourself. Review:

• Business income

• Business expenses

• Personal spending

The more consistent you are, the less messy your books become - and the less likely you’ll mix funds.

Final Thoughts

How to separate business and personal finances isn’t rocket science, but it does take discipline.

Start with a business bank account, pay yourself like a boss, and stay organized. Your future self (and your accountant) will thank you.

Is Your Business Financially Healthy?

Let’s be real, running a small business without checking its financial health is like driving a car without a fuel gauge. Sooner or later, you’ll stall.

But here’s the good news: you don’t need to be a CPA to keep your business finances in check. You just need a simple system, a Small Business Financial Health Checklist to help you spot problems early, avoid cash flow crunches, and make smart decisions with confidence.

Let’s break it down:

✅ 1. Check Your Cash Flow (The Lifeblood of Your Business)

Cash flow is what keeps your business moving. If you’re not sure where your money’s coming from, or where it’s going - it’s time for a checkup.

Ask yourself:

• Are you consistently positive in cash flow, or riding the red?

• Do you have a 3–6 month emergency buffer?

• Do you track incoming payments vs. outgoing expenses weekly?

Pro tip: Use a cash flow tracker to stay on top of the details!

✅ 2. Review Your Profit Margins (Are You Making Enough?)

Revenue is great, but profit is the goal. Take a hard look at your margins:

• What percentage of each sale is profit after costs?

• Are you underpricing services or products?

• Are there expenses you can trim without hurting quality?

✅ 3. Monitor Your Debt (Healthy or Hurting?)

Debt can be a tool, but it can also sink your business.
Ask:

• Are you relying on credit cards or loans to cover day-to-day costs?

• Are you paying down principal or just interest?

• Do you have a plan to reduce high-interest debt?

✅ 4. Stay Tax-Ready (No Surprises, Please!)

No one likes a tax-time scramble.
Use your checklist to confirm:

• Have you set aside at least 25–30% of net income for taxes?

• Are you up to date on quarterly tax payments?

• Do you track deductible expenses throughout the year?

✅ 5. Know Your Key Metrics (KPIs That Matter)

Financial health isn’t just one number, it’s a combination of indicators.
Track these monthly:

• Gross and net profit

• Cash flow trends

• Client acquisition costs

• Revenue growth rate

• Accounts receivable aging

✅ 6. Create a Financial Plan (Your Roadmap to Growth)

A checklist is great, but a plan turns your numbers into action.
Include:

• Revenue goals (monthly, quarterly, annual)

• Expense forecasts

• Profit targets

• Investment plans (team, marketing, equipment)

Final Thoughts

A Small Business Financial Health Checklist isn’t just a feel-good task - it’s a game changer for your business.

When you know your numbers, you make smarter decisions. You avoid cash flow crunches. You sleep better at night. And most importantly, you give your business the foundation it needs to grow.

What Investors Really Want to See in Your Finances

So you're ready to pitch your business to investors? Great. But before you talk valuations and big visions, there’s one thing investors will ask to see first: your numbers.

That’s where business finance preparation for investors comes in. Your ability to present clear, accurate, and compelling financials can be the difference between a quick “yes” and a polite “pass.”

Here’s what investors are really looking for, and how you can prepare your finances to impress them.

💡 Why Financial Preparation Matters

Investors aren’t just buying into your idea—they’re betting on your ability to manage money and generate returns. Your financial statements tell a story: not just where your business is today, but where it's going.

Solid financial preparation helps you:

• Build investor trust

• Demonstrate financial maturity

• Justify your valuation

• Speed up the due diligence process

The better prepared you are, the more professional and fundable your business appears.

📊 The Key Financial Documents Investors Expect

Let’s start with the essentials. These are the financial reports every investor will want to see, no matter your industry or stage.

✅ 1. Profit & Loss Statement (P&L)

Shows your revenue, expenses, and net income over time. Investors want to see:

• Growing revenues

• Healthy margins

• Expense discipline

✅ 2. Balance Sheet

Details your assets, liabilities, and equity. It answers questions like:

• What does the business own?

• What debts or obligations exist?

• How is the company funded so far?

✅ 3. Cash Flow Statement

Arguably more important than profitability - investors want to know:

• Are you generating positive cash flow?

• How fast are you burning cash?

• Can you sustain operations without constant funding?

✅ 4. Financial Forecasts (12–36 months)

Show investors where you’re headed. These should include:

• Revenue projections

• Expense forecasts

• Break-even analysis

• Key assumptions clearly explained

📁 Bonus Materials That Add Credibility

Go beyond the basics and impress with well-prepared supplementary documents:

• Cap Table: Breakdown of equity ownership

• Use of Funds Summary: How you’ll spend investor money

• Customer Acquisition Cost (CAC) & Lifetime Value (LTV): Unit economics show your growth model

• KPI Dashboards: Real-time visibility into performance (great if you already track metrics like churn, retention, or MRR)

🚫 Common Mistakes That Turn Investors Off

Avoid these pitfalls when preparing your financials:

• Inconsistencies or errors: Double-check all numbers

• Overly optimistic projections: Investors can smell fluff

• Missing data: Don’t make them dig, give a full picture

• No clear path to profitability: Even startups need a plan

Remember: clarity > complexity. You’re not trying to impress with jargon—you’re building trust.

🧠 What Investors Want to Understand (Not Just See)

Beyond the spreadsheets, investors want to understand your financial thinking.

Ask yourself:

• Can I explain how I arrived at my forecasts?

• Do I know my gross margin and why it matters?

• What’s my plan if revenue falls short next quarter?

Being fluent in your own financials shows leadership and preparation - traits investors love.

📌 Tips for Investor-Ready Financials

✔️ Be transparent
Highlight challenges honestly. Investors appreciate realism.

✔️ Update regularly
Use recent data - ideally within the last 30–60 days.

✔️ Use visuals
Charts and dashboards make data digestible and memorable.

✔️ Get a second set of eyes
Have a CPA or financial advisor review everything before pitching.

🛠 Tools to Help You Prepare

You don’t need to build everything from scratch. These tools can streamline your process:

• QuickBooks / Xero: Generate P&L, balance sheet, and cash flow reports

• LivePlan: Create investor-ready forecasts and pitch decks

• Fathom / Dryrun / Float: Turn financials into visuals

• Google Sheets: Great for custom models and collaborative forecasting

🎯 Final Thoughts: Financial Clarity = Investor Confidence

If you want investors to write checks, you need to show them more than potential, you need to show a plan backed by numbers.

Business finance preparation for investors is about telling a story they can believe in. One that says:

• “We know what we’re doing.”

• “We know where we’re going.”

• “And we’ll use your money wisely.”

Take the time to prepare your financials right. When the questions come, and they will: you’ll be ready with answers that impress.

📌 Want to Know If Your Business Is Really Healthy?

At Breakspears Bookkeeping Services LLC, we help you:
✅ Track profit and cash flow side by side
✅ Get paid faster
✅ Build financial systems that support growth

👉 Explore our flat-rate bookkeeping packages
👉 Book a free discovery call to take control of your numbers - without the overwhelm.

Top 10 Business Finance Apps That Actually Save You Time

Let’s face it, running a business is hard enough without wasting hours managing your finances. The good news? There are apps built specifically to make money management faster, easier, and even kind of enjoyable.

Whether you're a freelancer, solopreneur, or small business owner, the best apps for business finances in 2025 help you stay on top of income, expenses, taxes, and more - with minimal effort.

Here are 10 apps worth checking out if you want to spend less time crunching numbers and more time growing your business.

1. QuickBooks Online

Best for: All-in-one accounting for small businesses

QuickBooks remains the gold standard for cloud accounting. It automates invoicing, tracks expenses, manages payroll, and integrates with nearly every tool you use.

Why it saves you time:

• Bank syncing for real-time updates

• Built-in tax tools

• Recurring invoices and reports

✅ Bonus: Clean dashboards and mobile-friendly design

2. FreshBooks

Best for: Service-based businesses and freelancers

FreshBooks is loved for its user-friendly interface and simple invoicing. It also offers time tracking, expense management, and client communication tools.

Why it saves you time:

• Track time, send invoices, and accept payments in one place

• Automated late payment reminders

• Mileage tracking for easy deductions

3. Xero

Best for: Businesses with global operations or multiple users

Xero offers powerful accounting features with great scalability. It's perfect for growing teams and works seamlessly with over 1,000 third-party apps.

Why it saves you time:

• Bulk reconciliation of bank transactions

• Real-time collaboration with bookkeepers

• Multi-currency support

4. Wave

Best for: Budget-conscious entrepreneurs

Wave is a free accounting solution with surprisingly robust features. It covers invoicing, payments, and basic bookkeeping - perfect for early-stage businesses.

Why it saves you time:

• Automated expense tracking

• Seamless bank integration

• No fees for core features

5. Expensify

Best for: Expense tracking and reimbursements

Expensify is ideal for business owners or teams who travel or spend on behalf of the company. Snap a picture of a receipt, and it’s instantly logged and categorized.

Why it saves you time:

• One-tap expense reports

• SmartScan for receipts

• Company card syncing

6. Bonsai

Best for: Freelancers and creatives

Bonsai is more than finance, it’s a full freelance business suite. But its expense tracking and tax estimates are fantastic if you want to manage everything in one place.

Why it saves you time:

• Auto-import expenses

• Pre-filled tax estimates

• Contracts and invoices included

7. Zoho Books

Best for: Small businesses wanting customization

Zoho Books is part of the larger Zoho ecosystem. It’s a powerful, flexible option with tons of automation and customization options.

Why it saves you time:

• Auto-scheduling of recurring transactions

• Smart dashboards and insights

• Built-in time tracking and project billing

8. Float

Best for: Cash flow forecasting

Float connects to your accounting software to give you real-time cash flow projections. It’s a game-changer if you want to plan smarter.

Why it saves you time:

• Visual, forward-looking insights

• What-if scenario planning

• Real-time sync with QuickBooks, Xero, and FreeAgent

9. Pleo

Best for: Team expense management

Pleo is perfect for teams. It offers smart company cards and automates expense reports, no more chasing receipts or mystery charges.

Why it saves you time:

• Auto-categorization of team expenses

• Instant spending visibility

• Set card limits and control spending in real time

10. Hurdlr

Best for: Self-employed professionals and side hustlers

Hurdlr automates mileage, income, and expense tracking - especially great for gig workers, Uber drivers, or solo consultants.

Why it saves you time:

• Auto-tracking of earnings and write-offs

• Real-time tax estimates

• Simple, mobile-first interface

🧠 How to Choose the Right App for You

With so many great options, how do you choose? Start by asking:

• Do I need just expense tracking or full accounting?

• Do I manage a team or just myself?

• What tools do I already use (and need to integrate)?

• Do I prefer free tools or am I ready to invest?

Don’t be afraid to try a few - most offer free trials or free tiers.

Final Thoughts: Save Time, Stay Organized, Stress Less

The best apps for business finances in 2025 aren’t just about tracking numbers - they’re about freeing up your time and mental space. With the right tools in place, your finances become less of a chore and more of a strategic advantage.

Start with the app that fits your current needs, and let your system grow as your business does. Time is money, so why not save both?

📌 Want to Know If Your Business Is Really Healthy?

At Breakspears Bookkeeping Services LLC, we help you:
✅ Track profit and cash flow side by side
✅ Get paid faster
✅ Build financial systems that support growth

👉 Explore our flat-rate bookkeeping packages
👉 Book a free discovery call to take control of your numbers - without the overwhelm.

5 Budgeting Mistakes That Are Costing You Thousands

Every dollar matters when you’re running a small business. But even the most well-meaning business owners make budgeting mistakes that quietly chip away at their profits. The good news? Once you recognize these issues, they’re easy to fix.

In this article, we’ll break down five common small business budgeting mistakes - and how you can correct them before they cost you any more money.

💸 Mistake #1: Not Having a Budget at All

Let’s start with the obvious, many small businesses simply don’t have a formal budget. Operating without one is like driving without a map: you might move forward, but you have no idea where you're going or how much it's costing you.

Why it's costly:

• Overspending on non-essential expenses

• Underestimating fixed costs

• Difficulty identifying financial leaks

Fix it:
Create a simple monthly or quarterly budget that includes:

• Projected income

• Fixed expenses (rent, payroll, subscriptions)

• Variable expenses (marketing, travel, supplies)

• Emergency buffer

Even a basic spreadsheet is better than flying blind.

🔍 Mistake #2: Underestimating Expenses

Optimism is great for entrepreneurs - but when it comes to budgeting, too much optimism can hurt. Many small businesses underestimate costs or forget to include irregular expenses entirely.

Commonly missed expenses:

• Software renewals

• Tax payments

• Equipment maintenance

• Annual insurance premiums

Why it’s costly:
Surprise expenses lead to cash flow issues or debt reliance.

Fix it:
Review your last 12 months of expenses and build in seasonal or annual costs. Add a 10–15% cushion for unexpected items.

⌛ Mistake #3: Ignoring Cash Flow Timing

Even profitable businesses can go under if their cash flow isn’t timed properly. A budget that shows positive income means nothing if your receivables come in after your bills are due.

Why it’s costly:

• Missed payments or late fees

• Reliance on credit

• Stressful juggling of bills

Fix it:
Build a cash flow forecast alongside your budget:

• When will cash actually come in?

• When are expenses due?

• Will you have enough cash on hand?

Tools like QuickBooks or Float can help automate this process.

📉 Mistake #4: Failing to Track Budget vs. Actuals

Creating a budget is just the first step: monitoring it is where the magic happens. If you’re not comparing your projected vs. actual performance, you’re missing critical insights.

Why it’s costly:

• Small overages become habitual

• Missed chances to correct course

• No accountability

Fix it:
Do a monthly or quarterly budget review:

• Where did you overspend?

• Where did you save?

• What trends are emerging?

Adjust future budgets accordingly.

🚫 Mistake #5: Not Budgeting for Growth

Many small business owners budget for survival, not scaling. If your budget only covers “getting by,” you’ll struggle to invest in marketing, hiring, or product development.

Why it’s costly:

• Missed growth opportunities

• No room to innovate

• Stalled momentum

Fix it:
Add a line item for growth:

• Marketing experiments

• Software upgrades

• Education or training

• Outsourcing tasks to free up your time

Growth doesn’t happen by accident, it needs a place in your budget.

✅ Quick Recap: 5 Budgeting Mistakes to Avoid

1. No budget at all

2. Underestimating or forgetting expenses

3. Ignoring cash flow timing

4. Not reviewing actual vs. planned spending

5. Failing to budget for growth

Final Thoughts: Budgeting Is a Growth Tool, Not a Restriction

Budgeting isn’t about saying no - it’s about making smarter yes decisions. By avoiding these common small business budgeting mistakes, you gain clarity, control, and confidence in your financial direction.

Start small. Track progress. Adjust often. Your budget can become one of your most powerful business tools.

📌 Want to Know If Your Business Is Really Healthy?

At Breakspears Bookkeeping Services LLC, we help you:
✅ Track profit and cash flow side by side
✅ Get paid faster
✅ Build financial systems that support growth

👉 Explore our flat-rate bookkeeping packages
👉 Book a free discovery call to take control of your numbers - without the overwhelm.

How to Create a Financial Dashboard for Your Business

You didn’t start your business to spend hours sorting receipts or panicking over spreadsheets. But if you’re losing track of your finances, or just your sanity - it might be time to ask the big question: When should I hire a bookkeeper for business finances?

If you're unsure whether you’re ready, you’re in the right place. This guide will walk you through the signs that it’s time to bring in a pro, and what you gain when you do.

🚩 1. You're Spending Too Much Time on Bookkeeping

Time is your most valuable asset as a business owner. If you’re spending hours each week reconciling transactions, managing invoices, or trying to understand your cash flow, you’re likely working outside your zone of genius.

Hiring a bookkeeper frees you to:

• Focus on revenue-generating tasks

• Grow your client base

• Sleep better at night

When your time is better spent on strategy than spreadsheets, it’s time to consider professional help.

💡 2. You’re Not Sure if You’re Profitable

It’s possible to have money coming in and still be operating at a loss. If you can’t clearly answer questions like:

• “What’s my net income this month?”

• “What’s driving most of my expenses?”

• “Can I afford to hire someone next quarter?”

...then you’re flying blind. A bookkeeper organizes your finances so you can make confident, data-driven decisions.

📉 3. Tax Season Is a Nightmare

If tax time fills you with dread - or worse, surprise….you’re not alone. Many small business owners wait until the last minute to pull everything together.

Bookkeepers help you:

• Track deductions year-round

• Prepare financial statements for your CPA

• Avoid penalties for late or incorrect filings

When to hire a bookkeeper for business finances? Ideally, before tax season stress hits.

🧾 4. Your Books Are Always Behind (or Nonexistent)

Are you months behind on updating your books? Are your transactions living in your bank account without any categorization?

Late or messy books:

• Skew your financial reports

• Cause you to miss tax write-offs

• Make it harder to get loans or funding

Bookkeepers keep your records up to date, clean, and accurate, all year long.

💰 5. You’re Ready to Scale

As your business grows, your finances get more complex. More clients, more vendors, maybe even payroll, these changes demand tighter financial oversight.

A bookkeeper can help you:

• Prepare for hiring

• Track profitability by project or service

• Maintain clean records for investors or lenders

Scaling without financial clarity can stunt growth. Bring in a bookkeeper to build a stronger foundation.

👤 6. You're Unsure About Software or Compliance

Do you feel overwhelmed by bookkeeping tools like QuickBooks, Wave, or Xero? Are you confident you're meeting IRS guidelines?

A bookkeeper:

• Uses tools efficiently

• Ensures transactions are properly categorized

• Helps you stay compliant with tax laws

If your answer to “Am I doing this right?” is I have no idea, it’s time for expert support.

🔄 7. You Want to Make Better Business Decisions

Your financial data holds the answers to key questions like:

• Where can I cut costs?

• Which services or products are most profitable?

• How much can I invest in marketing?

But you can’t act on data you don’t have. A bookkeeper turns your numbers into actionable insights you can use to grow with confidence.

So, When Should You Hire a Bookkeeper?

Here’s the short answer:
You should hire a bookkeeper when managing your finances becomes a source of stress, confusion, or lost time, and before it costs you money.

Whether you’re:

• A solo freelancer drowning in receipts

• A startup with growing revenue

• A small business ready to scale

...a bookkeeper can provide clarity, control, and peace of mind.

✅ Quick Checklist: Signs You’re Ready for a Bookkeeper

• You’re spending 5+ hours/month on bookkeeping

• Your books are never up to date

• Tax season overwhelms you

• You’re not sure where your money is going

• You want help preparing for growth

Final Thoughts: Invest in Clarity, Not Just Compliance

Hiring a bookkeeper isn’t just about avoiding financial mistakes - it’s about running your business with clarity and confidence. If you’ve been wondering when to hire a bookkeeper for business finances, the answer might be: right now.

Your future self (and your accountant) will thank you.

📌 Want to Know If Your Business Is Really Healthy?

At Breakspears Bookkeeping Services LLC, we help you:
✅ Track profit and cash flow side by side
✅ Get paid faster
✅ Build financial systems that support growth

👉 Explore our flat-rate bookkeeping packages
👉 Book a free discovery call to take control of your numbers—without the overwhelm.

Are You Ready for a Bookkeeper? Here’s How to Tell

You didn’t start your business to spend hours sorting receipts or panicking over spreadsheets. But if you’re losing track of your finances, or just your sanity - it might be time to ask the big question: When should I hire a bookkeeper for business finances?

If you're unsure whether you’re ready, you’re in the right place. This guide will walk you through the signs that it’s time to bring in a pro, and what you gain when you do.

🚩 1. You're Spending Too Much Time on Bookkeeping

Time is your most valuable asset as a business owner. If you’re spending hours each week reconciling transactions, managing invoices, or trying to understand your cash flow, you’re likely working outside your zone of genius.

Hiring a bookkeeper frees you to:

• Focus on revenue-generating tasks

• Grow your client base

• Sleep better at night

When your time is better spent on strategy than spreadsheets, it’s time to consider professional help.

💡 2. You’re Not Sure if You’re Profitable

It’s possible to have money coming in and still be operating at a loss. If you can’t clearly answer questions like:

• “What’s my net income this month?”

• “What’s driving most of my expenses?”

• “Can I afford to hire someone next quarter?”

...then you’re flying blind. A bookkeeper organizes your finances so you can make confident, data-driven decisions.

📉 3. Tax Season Is a Nightmare

If tax time fills you with dread - or worse, surprise….you’re not alone. Many small business owners wait until the last minute to pull everything together.

Bookkeepers help you:

• Track deductions year-round

• Prepare financial statements for your CPA

• Avoid penalties for late or incorrect filings

When to hire a bookkeeper for business finances? Ideally, before tax season stress hits.

🧾 4. Your Books Are Always Behind (or Nonexistent)

Are you months behind on updating your books? Are your transactions living in your bank account without any categorization?

Late or messy books:

• Skew your financial reports

• Cause you to miss tax write-offs

• Make it harder to get loans or funding

Bookkeepers keep your records up to date, clean, and accurate, all year long.

💰 5. You’re Ready to Scale

As your business grows, your finances get more complex. More clients, more vendors, maybe even payroll, these changes demand tighter financial oversight.

A bookkeeper can help you:

• Prepare for hiring

• Track profitability by project or service

• Maintain clean records for investors or lenders

Scaling without financial clarity can stunt growth. Bring in a bookkeeper to build a stronger foundation.

👤 6. You're Unsure About Software or Compliance

Do you feel overwhelmed by bookkeeping tools like QuickBooks, Wave, or Xero? Are you confident you're meeting IRS guidelines?

A bookkeeper:

• Uses tools efficiently

• Ensures transactions are properly categorized

• Helps you stay compliant with tax laws

If your answer to “Am I doing this right?” is I have no idea, it’s time for expert support.

🔄 7. You Want to Make Better Business Decisions

Your financial data holds the answers to key questions like:

• Where can I cut costs?

• Which services or products are most profitable?

• How much can I invest in marketing?

But you can’t act on data you don’t have. A bookkeeper turns your numbers into actionable insights you can use to grow with confidence.

So, When Should You Hire a Bookkeeper?

Here’s the short answer:
You should hire a bookkeeper when managing your finances becomes a source of stress, confusion, or lost time, and before it costs you money.

Whether you’re:

• A solo freelancer drowning in receipts

• A startup with growing revenue

• A small business ready to scale

...a bookkeeper can provide clarity, control, and peace of mind.

✅ Quick Checklist: Signs You’re Ready for a Bookkeeper

• You’re spending 5+ hours/month on bookkeeping

• Your books are never up to date

• Tax season overwhelms you

• You’re not sure where your money is going

• You want help preparing for growth

Final Thoughts: Invest in Clarity, Not Just Compliance

Hiring a bookkeeper isn’t just about avoiding financial mistakes - it’s about running your business with clarity and confidence. If you’ve been wondering when to hire a bookkeeper for business finances, the answer might be: right now.

Your future self (and your accountant) will thank you.

📌 Want to Know If Your Business Is Really Healthy?

At Breakspears Bookkeeping Services LLC, we help you:
✅ Track profit and cash flow side by side
✅ Get paid faster
✅ Build financial systems that support growth

👉 Explore our flat-rate bookkeeping packages
👉 Book a free discovery call to take control of your numbers—without the overwhelm.

What Reports Should You Be Reviewing Monthly?

Running a small business is like steering a ship - you need a clear view of where you are, where you’ve been, and where you’re heading. That’s where monthly financial reports for small business owners come in. These reports aren’t just paperwork: they’re your financial compass.

If you're unsure what you should be reviewing every month, you're not alone. In this post, we’ll break down the essential financial reports that keep your business on track and thriving.

Why Monthly Financial Reports Matter

Think of your business like a car. Would you drive cross-country without checking the fuel gauge or engine temperature? Monthly financial reports offer the same kind of oversight - warning you about problems before they become emergencies.

Key benefits include:

• Catching issues early (like cash flow shortages)

• Making informed budgeting and investment decisions

• Tracking business growth and profitability

• Staying prepared for tax season and investor conversations

1. Profit and Loss Statement (P&L)

Also known as the income statement, the Profit and Loss Statement shows how much money your business earned and spent over the month.

What to look for:

• Total revenue vs. total expenses

• Gross profit margin

• Net income (or loss)

• Trends in income and expense categories

Why it matters:
It gives you a snapshot of profitability and helps you identify areas where you're overspending or underperforming.

2. Balance Sheet

The Balance Sheet shows your business’s financial position at a specific point in time. It details assets, liabilities, and owner’s equity.

Key components:

• Assets (cash, inventory, equipment)

• Liabilities (loans, credit card debt, unpaid bills)

• Equity (what the business actually owns after debts)

Why it matters:
This report tells you how financially stable your business is. It’s also critical for securing loans or attracting investors.

3. Cash Flow Statement

Revenue is great, but it doesn't mean much if your bank account is empty. The Cash Flow Statement shows how cash moves in and out of your business.

What to monitor:

• Operating activities (day-to-day cash flow)

• Investing activities (asset purchases, investments)

• Financing activities (loans, owner's draws or injections)

Why it matters:
Even profitable businesses can fail due to poor cash flow. This report helps ensure you always have enough to cover payroll, rent, and bills.

4. Accounts Receivable Aging Report

Are your customers paying on time? The Accounts Receivable (A/R) Aging Report breaks down who owes you money and how long they’ve owed it.

Sections often include:

• Current

• 30 days past due

• 60 days past due

• 90+ days past due

Why it matters:
Unpaid invoices can cripple your cash flow. Reviewing this monthly helps you follow up on overdue payments and avoid bad debt.

5. Accounts Payable Aging Report

This report shows what you owe to vendors and suppliers. It helps you prioritize payments and avoid late fees or strained relationships.

What it tracks:

• Outstanding bills

• Due dates

• Vendor balances

Why it matters:
Staying on top of payables improves vendor relationships and helps you manage cash more effectively.

6. Budget vs. Actual Report

This comparison report helps you measure your actual performance against your planned budget for the month.

What to analyze:

• Revenue and expense variances

• Over- or under-spending in specific categories

• Forecasting accuracy

Why it matters:
It reveals how well you're sticking to your financial plan and helps you course-correct for future months.

7. Sales Report

A monthly Sales Report helps you see what products or services are performing best and where growth is happening, or slowing down.

Look for:

• Top-performing products or services

• Sales by channel or salesperson

• Monthly sales trends

Why it matters:
Understanding your revenue drivers lets you double down on what’s working and tweak what isn’t.

Pro Tip: Automate Report Generation

Most accounting platforms like QuickBooks, Xero, or Wave can automate these monthly reports, so you’re not starting from scratch every month. Schedule them to be sent directly to your inbox so you never skip a review.

How to Use These Reports Together

Individually, each report tells part of your financial story. Together, they paint the full picture. Use them as part of a monthly financial review meeting, even if you're a solopreneur.

Suggested monthly routine:

1. Review reports from the previous month

2. Identify trends or red flags

3. Make adjustments to spending or operations

4. Set goals for the upcoming month

Final Thoughts: Monthly Reports, Major Impact

If you want to grow your business with intention - not just instinct, then monthly financial reports for small business owners are non-negotiable. They help you move from reactive to proactive, from chaos to clarity.

Start small. Even reviewing just your P&L and cash flow statement each month can transform how you run your business.

📌 Want to Know If Your Business Is Really Healthy?

At Breakspears Bookkeeping Services LLC, we help you:
✅ Track profit and cash flow side by side
✅ Get paid faster
✅ Build financial systems that support growth

👉 Explore our flat-rate bookkeeping packages
👉 Book a free discovery call to take control of your numbers—without the overwhelm.

The Financial Checklist Every Freelancer Needs

Freelancing gives you freedom, but with that independence comes responsibility, especially when it comes to your finances. Whether you're a graphic designer, copywriter, or developer, staying on top of your money isn’t just smart: it’s essential for long-term success.

That’s why we created the ultimate Freelancer Business Finance Checklist to help you stay organized, compliant, and in control. No accounting degree required - just a commitment to financial clarity.

✅ 1. Open a Dedicated Business Bank Account

One of the first financial moves every freelancer should make is separating personal and business finances. Mixing the two creates confusion and can raise red flags with the IRS.

Action Steps:

• Open a business checking account

• Use it exclusively for freelance income and expenses

• Consider getting a business credit card for larger purchases

✅ 2. Set Up a Bookkeeping System

Good bookkeeping is the backbone of any successful freelance business. Whether you use software like QuickBooks, Wave, or a spreadsheet, consistency is key.

Your system should track:

• Income (clients, platforms, referrals)

• Expenses (software, supplies, education, etc.)

• Mileage (if you drive for business purposes)

• Invoices and payment status

✅ 3. Track Every Expense

Freelancers often miss out on valuable deductions simply because they don’t track their spending. A key part of any Freelancer Business Finance Checklist is capturing every legitimate expense.

Common deductible expenses include:

• Home office costs (a portion of rent, utilities)

• Internet and phone

• Business meals and travel

• Software subscriptions

• Professional development

Use apps like Expensify, Bonsai, or QuickBooks Self-Employed to automate this.

✅ 4. Create and Send Invoices Promptly

Getting paid is priority #1, so your invoicing process should be smooth and timely.

Best practices:

• Send invoices immediately after completing work

• Include clear payment terms (net 7, net 15, etc.)

• Use tools like FreshBooks or HoneyBook to automate invoices

• Follow up on late payments with a firm, friendly reminder

✅ 5. Set Aside Money for Taxes

Unlike a traditional job, taxes aren’t withheld from your freelance income. That means it’s your job to prepare for quarterly payments and year-end filing.

Tax checklist items:

• Set aside 25–30% of your income for federal and state taxes

• Pay estimated quarterly taxes (April, June, September, January)

• Track all deductible expenses to reduce taxable income

• Consider hiring a tax professional

✅ 6. Save for Retirement

Freelancers don’t get employer 401(k)s, but that doesn’t mean you can’t save for the future. In fact, you have several options that come with tax benefits.

Retirement options for freelancers:

• SEP IRA

• Solo 401(k)

• Traditional or Roth IRA

Even small, consistent contributions will add up - and help lower your taxable income.

✅ 7. Build a Cash Reserve

Freelance income can be unpredictable. A financial buffer will help you weather slow months or surprise expenses without panic.

Aim to save:

• 3–6 months of living and business expenses

• Keep it in a high-yield savings account for easy access

✅ 8. Review Financials Monthly

Make it a habit to sit down once a month and review your finances. This is where you spot patterns, track growth, and identify areas to improve.

Monthly checklist:

• Reconcile bank and credit card statements

• Review income and expenses

• Check outstanding invoices

• Adjust budget or spending if needed

✅ 9. Prepare for Year-End and Taxes

Don’t wait until April to start thinking about taxes. Year-end prep should begin in December, or earlier if you’re planning ahead.

End-of-year to-do’s:

• Collect 1099s from clients

• Download bank and expense reports

• Confirm all transactions are categorized

• Schedule time with your CPA or tax pro

✅ 10. Keep Financial Documents Organized

Whether digital or paper, a well-organized system can save you hours of headaches during tax season or an audit.

Organize and store:

• Receipts

• Contracts

• Tax documents

• Bank and credit statements

Cloud-based storage like Google Drive or Dropbox makes this easy and secure.

Final Thoughts: Make Finances Your Freelance Superpower

Staying on top of your finances doesn’t have to be overwhelming. With this Freelancer Business Finance Checklist, you can bring order to the chaos, stay compliant, and build a sustainable freelance business that supports your goals: financial and otherwise.

Start with one section today and build momentum. The sooner you take control, the more freedom you’ll actually enjoy.

📌 Want to Know If Your Business Is Really Healthy?

At Breakspears Bookkeeping Services LLC, we help you:
✅ Track profit and cash flow side by side
✅ Get paid faster
✅ Build financial systems that support growth

👉 Explore our flat-rate bookkeeping packages
👉 Book a free discovery call to take control of your numbers—without the overwhelm.

How to Fix Messy Business Finances Before Tax Season

Let’s be honest - running a small business means wearing many hats. But when it comes to tax season, one hat no entrepreneur can afford to ignore is financial cleanup. If your books are a mess and receipts are scattered, you're not alone. The good news? Cleaning up small business finances for taxes is totally doable, and can even save you money, stress, and time.

Here’s how to get your finances in order before the IRS (or your accountant) comes knocking.

1. Start With a Financial Reality Check

Before diving into spreadsheets or software, pause and take stock. Ask yourself:

• Are all your transactions recorded?

• Have you been separating personal and business expenses?

• Is your bank account reconciled?

• Do you have a bookkeeping system in place?

Being honest about the state of your finances is the first step toward fixing them. Don’t worry if things aren’t perfect - clarity is better than chaos.

2. Categorize Income and Expenses Accurately

This might sound basic, but miscategorized expenses are one of the top reasons small business owners leave money on the table at tax time. Review each transaction and assign it the proper category:

• Office supplies

• Software subscriptions

• Contractor payments

• Meals and entertainment

• Travel

Make sure you're consistent. Most tax software and CPAs rely on these categories to find deductions and ensure compliance.

Pro Tip: Use IRS Schedule C categories as a guide for consistency and simplicity.

3. Reconcile Your Accounts

Reconciling means matching your internal records with your bank and credit card statements. This ensures that no transactions are missed, duplicated, or mis-recorded. It’s a crucial step in cleaning up small business finances for taxes.

Look for:

• Duplicate entries

• Missing transactions

• Incorrect amounts

Your bookkeeping software may offer reconciliation tools, but manual cross-checking is often necessary for accuracy.

4. Separate Personal and Business Finances

Still using one account for both personal and business expenses? Stop right now. Not only does this create a documentation nightmare, but it also raises red flags with auditors.

To clean things up:

• Open a dedicated business checking account

• Get a business credit card

• Transfer any personal transactions out of your books

Going forward, keep all business activity within the business accounts. It’ll make next tax season infinitely easier.

5. Digitize and Organize Receipts

The IRS doesn’t require paper receipts, but you do need to prove expenses. If your receipts are living in your glovebox or crumpled in a drawer, now’s the time to digitize.

Use tools like:

• Expensify

• Shoeboxed

• QuickBooks mobile app

Scan, categorize, and attach receipts to corresponding transactions. If you ever face an audit, this habit will pay off in a big way.

6. Review Payroll and Contractor Payments

Mishandling employee wages or contractor payments is a fast track to tax penalties. Double-check:

• W-2s for employees

• 1099-NECs for contractors

• Payroll tax withholdings and filings

Make sure all workers are properly classified, and all payments are documented. Misclassification is a common IRS audit trigger.

7. Consult a Professional (Yes, Really)

Even if you’re a DIY business owner, hiring a CPA or bookkeeper, especially before tax season, can help clean up your finances and spot deductions you didn’t even know existed.

Look for someone who:

• Specializes in small business tax law

• Uses cloud-based accounting software

• Offers year-round support, not just during tax season

Think of it as an investment, not a cost.

8. Automate Moving Forward

Once you’ve cleaned up the mess, don’t let it happen again. Automate what you can:

• Connect bank accounts to accounting software

• Schedule recurring invoice reminders

• Set up monthly reconciliations

• Automate expense tracking with apps

Cleaning up small business finances for taxes is hard enough once, you don’t want to do it again next year.

Final Thoughts: A Clean Slate = A Clear Mind

Tax season doesn’t have to be a panic-inducing ordeal. By cleaning up your small business finances ahead of time, you gain more than just compliance - you gain peace of mind, potential savings, and a stronger handle on your business health.

Start today. Future you (and your accountant) will thank you.

💬 Think of it this way: Profit is a theory, cash is reality.

📌 Want to Know If Your Business Is Really Healthy?

At Breakspears Bookkeeping Services LLC, we help you:
✅ Track profit and cash flow side by side
✅ Get paid faster
✅ Build financial systems that support growth

👉 Explore our flat-rate bookkeeping packages
👉 Book a free discovery call to take control of your numbers—without the overwhelm.

How to Hire Financial Help Without Blowing Your Budget

Running a small business means wearing a lot of hats, but the finance hat?…..That one can feel a little too tight.

You know you need help with your numbers: whether it’s organizing your books, getting ready for tax season, or just making sense of your cash flow. But you also don’t want to break the bank just to get your finances in order.

The good news? Affordable financial help for small business owners does exist - you just need to know where to look, what to prioritize, and how to avoid overpaying for services you don’t actually need.

Let’s walk through how to hire the right kind of financial support, without blowing your budget in the process.

💸 Why DIYing Your Finances Might Be Costing You More

It’s tempting to do it all yourself, especially when you’re just starting out. But DIY bookkeeping and finance management comes with hidden costs:

• Wasted time (that could be spent on revenue-generating work)

• Missed deductions or write-offs

• Late payments or missed invoices

• Tax penalties

• Overwhelm, burnout, and procrastination

💡 If you’re spending more than 5–7 hours a month trying to manage your books and you still feel unsure, you’re already “paying” more than you should.

🧾 Step 1: Know What Kind of Help You Actually Need

Not every small business needs a full-time CFO. Before hiring anyone, get clear on your current pain points.

Here’s a quick cheat sheet:

💡 For most freelancers, solopreneurs, and creative businesses, a good bookkeeper and a tax pro are all you need to start.

💼 Step 2: Consider a Remote Bookkeeping Service

Outsourcing your bookkeeping is often the most cost-effective option for small businesses.
Why? You get:

• Flat monthly fees

• No payroll or overhead costs

• Professional support

• More time back in your day

Breakspears Bookkeeping Services LLC, for example, offers affordable monthly packages designed specifically for small businesses who want clarity without complexity.

💡 Many of our clients save $500–$1,000+ annually just by avoiding mistakes, late fees, and missed deductions.

🔍 Step 3: Compare Costs….But Don’t Just Pick the Cheapest Option

Here’s what affordable financial help for small business typically costs:

💡 Look for fixed-rate services that include everything you need, surprise hourly bills are the budget-breakers.

✨ Step 4: Ask the Right Questions Before Hiring

Whether you're hiring a freelancer, firm, or part-time support, make sure to ask:

• “What’s included in your monthly fee?”

• “How do you communicate with clients?”

• “Do you specialize in small businesses or side hustles?”

• “Will you help me understand my numbers, not just track them?”

• “What software do you use and is it included?”

💡 You don’t need someone who just inputs numbers, you need someone who explains what those numbers actually mean.

🧠 Step 5: Prioritize Clarity Over Complexity

The most valuable thing a financial pro can give you? Peace of mind.

You want someone who can:

• Help you feel confident at tax time

• Show you where your money is going

• Identify areas to save or grow

• Make sure nothing falls through the cracks

💬 At Breakspears Bookkeeping Services, our motto is: no jargon, no overwhelm, just clean books and straight answers.

💬 Final Thoughts: Smart Money Help That Won’t Break the Bank

Getting help with your finances isn’t a luxury: it’s a smart move that can actually save you money in the long run.

When you stop guessing, stop stressing, and stop spending hours on tasks outside your zone of genius, you create space to grow, scale, and enjoy the business you’re building.

Affordable financial help for small business is out there, and it’s more accessible than you think.

📌 Need Help Managing Your Finances Without Breaking Your Budget?

At Breakspears Bookkeeping Services LLC, we specialize in helping:
✅ Solo entrepreneurs
✅ Creative small business owners
✅ Side hustlers and freelancers

…get clear, affordable financial support with flat-rate monthly packages and QuickBooks expertise.

👉 Explore our bookkeeping packages
👉 Book a free 15-minute call to find the right support without overspending.

What’s a Chart of Accounts? And Why Your Business Needs One

If you're a small business owner trying to stay on top of your finances, you’ve probably heard the term “chart of accounts” thrown around, especially if you're setting up QuickBooks, Xero, or chatting with your bookkeeper.

But what is it exactly? And do you really need one if you’re just starting out?

Short answer: Yes.
Longer answer: It’s the foundation of how your finances are organized…and it can save you time, stress, and money.

Let’s break down what a chart of accounts for small business actually is, why it matters, and how to set one up (without the overwhelm).

📚 What Is a Chart of Accounts?

A chart of accounts (COA) is simply a list of categories that your business uses to classify every financial transaction. It’s like the filing cabinet for your money: organizing everything from income and expenses to assets and liabilities.

Think of it as your business’s financial map. It helps you see:

• Where your money is coming from

• Where it’s going

• What your business owns or owes

• How profitable you really are

Each account has a name and a type, and it falls into one of these main categories:

1. Assets – what your business owns (bank accounts, inventory)

2. Liabilities – what you owe (credit cards, loans)

3. Equity – your business’s net worth

4. Income (Revenue) – how your business earns money

5. Expenses – what you spend to run your business

🧠 Why Your Business Needs a Chart of Accounts

You might be thinking: “Can’t I just track my income and expenses without setting up all these categories?”

Technically yes, but here’s why that’s not a great idea:

✅ 1. It Keeps You Organized (and Sanity Intact)

Without a COA, every transaction becomes a free-for-all. A proper chart lets you track every dollar with clarity and confidence.

✅ 2. It Makes Tax Time Way Easier

Your tax deductions (meals, software, advertising, mileage) need to be tracked by category. A solid COA helps you (or your CPA) pull clean records and maximize deductions.

✅ 3. It Helps You Make Smarter Decisions

Want to know if you’re spending too much on tools? Or which service brings in the most money? Your chart of accounts gives you the data you need to adjust, plan, and grow.

✅ 4. It’s Essential for Accounting Software

QuickBooks, Xero, and Wave all run on a chart of accounts. If you’re using software (which you should), a COA is the foundation.

💡 At Breakspears Bookkeeping Services LLC, we create and customize COAs that are tailored to your business, not just the default template.

🧾 What Does a Basic Chart of Accounts Look Like?

Here’s a simplified example of what a chart of accounts might look like for a freelance graphic designer:

Assets:

• 1000 – Business Checking Account

• 1010 – PayPal Account

• 1100 – Accounts Receivable

Liabilities:

• 2000 – Business Credit Card

• 2100 – Sales Tax Payable

Equity:

• 3000 – Owner’s Equity

• 3100 – Owner’s Draw

Income:

• 4000 – Design Services

• 4100 – Template Sales

• 4200 – Affiliate Income

Expenses:

• 5000 – Software Subscriptions

• 5100 – Advertising & Marketing

• 5200 – Office Supplies

• 5300 – Professional Services

• 5400 – Internet & Utilities

Each number and category serves a purpose. Once set up, every transaction you enter will be assigned to one of these accounts.

🛠️ How to Set Up a Chart of Accounts for Small Business

1. Start with a basic template.
   Most accounting tools will give you one, don’t overcomplicate it.

2. Customize based on your industry.
   A fitness coach’s COA will look different from a photographer’s. Add or rename accounts as needed.

3. Stay consistent.
   Don’t change categories every month. Keep it simple and stick with it.

4. Review and revise annually.
   As your business grows, your chart of accounts should evolve too.

💡 Need help setting yours up? We offer custom chart of accounts creation and walkthroughs as part of our monthly packages.

🧠 Pro Tips from a Bookkeeper

• Keep it lean: You don’t need 50+ categories. Too much detail becomes unmanageable.

• Use sub-accounts sparingly for extra clarity (e.g., "Marketing" → "Social Ads," "Print Ads")

• Reconcile regularly so nothing slips through the cracks

• Review reports monthly to spot patterns or surprises

• Use your COA to inform your budget and financial goals

💬 Final Thoughts: A Small Step That Makes a Big Difference

Your chart of accounts for small business might seem like a small, technical setup - but it’s actually one of the most powerful tools in your financial toolbox.

It helps you stay organized, make better decisions, prepare for taxes, and understand your money without the overwhelm. Whether you're just starting out or you're scaling fast, your COA gives structure to your success.

📌 Need Help Setting Up Your Chart of Accounts?

At Breakspears Bookkeeping Services, LLC, we help freelancers, creatives, and small business owners:
✅ Set up QuickBooks Online
✅ Build a custom chart of accounts
✅ Categorize transactions for clarity and compliance

👉 Explore our flat-fee bookkeeping packages
👉 Book a free 15-minute call to get your books set up the right way—right from the start.

Why Most Side Hustles Fail Financially (And How to Avoid It)

Starting a side hustle is exciting. You’re finally turning that idea into income - whether it’s selling products online, offering freelance services, or monetizing a creative skill.

But while starting is easy… staying profitable is where most people stumble.

The truth? Most side hustles fail not because the idea is bad: but because the finances are messy, ignored, or misunderstood.

So if you’re growing a side hustle and want to avoid the most common money pitfalls, read on. These business finance tips for side hustles will help you stay in control, stay profitable, and build something that actually lasts.

🚩 The Most Common Financial Mistakes Side Hustlers Make

Before we dive into the fixes, here are the biggest financial red flags I see when working with new side business owners:

❌ Mixing personal and business finances

All your earnings and expenses live in one bank account, and you’re constantly guessing what’s what.

❌ No tracking of expenses or income

You might be using Venmo, your personal PayPal, or forgetting to record purchases altogether.

❌ Forgetting to save for taxes

You spend the full amount of every payment you receive and are blindsided by tax bills later.

❌ No financial planning or goal setting

You don’t know your profit margin, can’t predict cash flow, and aren’t sure how much you need to earn to make it worthwhile.

💡 Sound familiar? You’re not alone, and the good news is, these are all fixable.

✅ 7 Business Finance Tips for Side Hustles That Want to Succeed

Let’s break down what you should be doing instead….whether you’re earning $200 a month or building your side hustle toward full-time income.

1. Open a Separate Business Bank Account

Seriously, this one action will make everything easier.

Why it matters:

• Keeps your transactions organized

• Helps you track what’s actually business-related

• Makes tax time 10x less painful

💡 You don’t need an LLC to open a business account, many banks offer options for sole proprietors or freelancers.

2. Use Simple Bookkeeping Software from Day One

You don’t need a fancy setup, but you do need something to track what’s coming in and what’s going out.

Recommended tools:

• QuickBooks Online (QBO) – great for freelancers and scalable growth

• Wave – free and beginner-friendly

• Excel or Google Sheets – better than nothing, if set up right

💡 At Breakspears Bookkeeping Services LLC, we help side hustlers set up easy systems that fit their income level and goals.

3. Track Every Expense—Yes, Every One

Side hustles can have more deductible expenses than you think, like:

• Website hosting and domain fees

• Software subscriptions (Canva, Zoom, Adobe, etc.)

• Home office use

• Business coaching or online courses

• Mileage or travel for business-related activities

💡 Even if you’re earning a small amount, these deductions can significantly lower your tax bill.

4. Set Aside Taxes Monthly

When side hustlers get hit with a big tax bill, it’s often because they didn’t realize they were responsible for setting aside taxes themselves.

General rule:
Save 20–30% of your net income (after expenses) in a separate savings account.
Better safe than sorry.

💡 You don’t need to be perfect, you just need to be consistent.

5. Know Your Profit Margins

You might be making sales, but are you actually making money?

Track:

• Revenue (total income)

• Cost of Goods Sold (COGS) if you sell products

• Overhead (subscriptions, website, etc.)

Then calculate:
Profit = Revenue – Expenses

💡 If your profit margin is below 20%, it’s time to reevaluate pricing, costs, or offer structure.

6. Pay Yourself—Even If It’s Just a Little

Side hustlers often reinvest everything they earn or treat the money like “fun money.” But even paying yourself 10% shows you value your time and effort.

💡 Set a goal to increase your “owner’s draw” as your side hustle grows.

7. Check In with Your Finances Monthly

Just 30 minutes once a month can make all the difference. Review:

• Your income and expenses

• Your bank account balance

• Any overdue invoices or upcoming bills

💡 We recommend setting a “money date” each month: light a candle, pour a coffee, and treat it like a CEO check-in.

🧠 Why Side Hustles That Understand Their Finances Grow Faster

When your finances are organized, here’s what happens:

• You know what to charge (and why)

• You stop underpricing yourself

• You’re ready for tax season

• You feel more confident and professional

• You can actually turn your side hustle into your main gig—without stress

💬 Final Thoughts: A Successful Side Hustle Starts with Smart Money Habits

You don’t need to be an accountant to run a profitable side hustle. But you do need a clear, simple system for managing your money: so your business doesn’t just make income, but actually builds wealth.

The best part? You don’t have to figure it all out alone.

📌 Need Help Getting Your Side Hustle Finances Set Up?

At Breakspears Bookkeeping Services LLC, we help side hustlers, freelancers, and small business owners:
✅ Organize their finances
✅ Set up QuickBooks or Wave
✅ Track profits and prepare for taxes
✅ Feel confident about their money—even if they hate spreadsheets

👉 Explore our flat-fee remote bookkeeping packages
👉 Book a free 15-minute discovery call to start making your finances work for you—not against you.

How to Read Financial Statements (Even If You Hate Numbers)

Let’s get one thing out of the way: you do not have to be a math person to run a successful business.

But if you want to keep your business profitable, tax-ready, and growing in the right direction: you do need to understand your financial statements.

We’re not talking spreadsheets filled with jargon or pages of numbers that give you a headache.
We’re talking about simple, clear insights that help you answer questions like:

• “Am I actually making a profit?”

• “Can I afford to hire help?”

• “Why is there money in my account, but I feel broke?”

If you’ve been avoiding your financial reports, this post is for you. Let’s break down how to read financial statements for small business owners….even if you hate numbers.

🧾 What Are Financial Statements, Really?

Financial statements are the story of your business told in numbers.

They show how much you’re earning, what you’re spending, and how financially healthy your business really is.

There are three key financial statements every small business owner should review monthly:

1. Profit & Loss Statement (P&L)

2. Balance Sheet

3. Cash Flow Statement

Let’s walk through each one—in plain English.

📊 1. Profit & Loss Statement (P&L)

Also called the income statement, this report shows your business’s income and expenses over a set period (usually monthly, quarterly, or yearly).

💡 What it tells you:

• Are you making a profit or loss?

• What’s driving your revenue?

• Where is your money going?

🧠 Key sections to look at:

• Revenue – total money earned

• Cost of Goods Sold (COGS) – what it costs to provide your product or service

• Gross Profit – revenue minus COGS

• Expenses – operating costs like rent, software, marketing

• Net Profit (or Loss) – what’s left after all expenses

💬 If your net profit is consistently low or negative, it’s a red flag: either you’re spending too much or charging too little.

📄 2. Balance Sheet

Your balance sheet gives you a snapshot of your business’s financial position at a single point in time. Think of it like a selfie of your money.

💡 What it tells you:

• What your business owns (assets)

• What it owes (liabilities)

• What’s left over (equity)

🧠 Key parts:

• Assets – cash, inventory, accounts receivable, equipment

• Liabilities – credit cards, loans, unpaid bills

• Equity – the difference between assets and liabilities

💬 If your liabilities are growing faster than your assets, you might be relying too heavily on credit to keep your business running.

💵 3. Cash Flow Statement

This one is all about timing. You can be profitable on paper but broke in real life if your cash flow is off.

💡 What it tells you:

• Where cash is coming from (sales, loans, investments)

• Where cash is going (expenses, salaries, taxes)

• Whether you’re gaining or losing actual cash

🧠 Watch for:

• Consistent negative cash flow (means you’re spending more than you bring in)

• Big swings that could signal payment delays or seasonal dips

• Whether cash in your account matches what your profit & loss says

💬 Cash is king. If you run out of cash, even if your business is profitable: you can’t pay bills, staff, or yourself.

🧠 How to Actually Use These Reports (Without Getting Overwhelmed)

Reading your statements is only helpful if you know what to do with them. Here's a simple monthly routine:

1. Skim your P&L

   • Is your revenue trending up?

   • Any unexpected spikes or drops in expenses?

2. Look at your Balance Sheet

   • Is your cash decreasing while debt increases?

   • Any old unpaid invoices piling up?

3. Check your Cash Flow Statement

   • Are you burning through more cash than you’re bringing in?

4. Ask yourself:

   • Can I afford to reinvest, hire, or expand?

   • Should I cut costs or raise prices?

💡 At Breakspears Bookkeeping Services, LLC, we not only provide these reports: we explain them in plain, actionable terms so you can make confident decisions.

🙋‍♀️ What If You Still Don’t Understand Your Reports?

That’s okay. Most small business owners don’t learn this stuff in school, or even when starting out.

But now you know:

• These reports aren’t scary

• They don’t require financial genius

• They’re essential to building a business that lasts

You don’t need to master them, you just need to look at them regularly and know who to ask when something doesn’t make sense.

🧾 Final Thoughts: You Can Hate Numbers and Still Understand Your Finances

If you’ve ever said, “I’m just not a numbers person,” you’re not alone. But ignoring your financial statements won’t make the problems go away.

Understanding how to read financial statements for small business gives you the power to make smart decisions, grow sustainably, and sleep better at night knowing exactly where your money’s going.

📌 Want Help Making Sense of Your Financials?

At Breakspears Bookkeeping Services LLC, we don’t just keep your books: we help you understand them.

We provide:
✅ Easy-to-read monthly reports
✅ Friendly breakdowns (no jargon)
✅ Personalized advice to help you grow

👉 Explore our bookkeeping packages
👉 Book a free intro call and let’s demystify your numbers together.

Are You Overpaying? The Real Cost of Managing Business Finances

Let’s be honest: running a small business comes with a lot of hidden costs.

But one area that sneaks up on a lot of entrepreneurs? Managing your business finances.

Whether you're DIY-ing your bookkeeping, hiring a professional, or just winging it with a spreadsheet and crossed fingers, there’s a cost. And if you're not tracking that cost properly, you might be paying more than you think (in money and time).

So let’s break it down. Here's what goes into the cost of managing small business finances….and how to make sure you're getting the best return on every dollar you spend.

💼 The Three Ways to Manage Small Business Finances

There are generally three main approaches small business owners take when it comes to handling their money:

1. DIY (Do-It-Yourself)

You manage everything yourself: tracking income, expenses, taxes, and reporting.

2. In-House or Contracted Staff

You hire an in-house bookkeeper, accountant, or VA with financial experience.

3. Outsourced Bookkeeping Services

You partner with a remote bookkeeping service (like Breakspears Bookkeeping Services LLC) that handles everything for a monthly flat fee.

Let’s break down the real costs of each.

🧾 Option 1: The DIY Approach

💰 Direct Costs:

• QuickBooks, Xero, or Wave subscription: $0–$90/month

• Receipt scanning apps or mileage trackers: $10–$30/month

• Your time: priceless… but not really

Let’s say you spend:

• 1 hour/week categorizing transactions

• 2 hours/month invoicing + chasing payments

• 2 hours/month preparing for taxes

That’s 6 hours/month x your hourly rate.
If your time is worth $75/hour, that’s $450/month in hidden costs - not including stress or mistakes.

⚠️ Common Risks:

• Misclassified expenses = missed deductions

• Late invoicing = delayed cash flow

• Tax prep panic = missed deadlines or penalties

• You’re flying blind with no accurate monthly reports

💡 DIY can be cost-effective at the beginning - but it’s not sustainable long-term if you want to grow.

🧍‍♀️ Option 2: Hiring In-House or Freelancers

💰 Costs:

• In-house bookkeeper: $3,500–$5,500/month (salary + benefits)

• Freelance bookkeeper or accountant: $40–$100/hour

• Software still needed: $30–$90/month

✅ Pros:

• High-touch support

• Can work alongside you daily

• Customizable tasks and hours

❌ Cons:

• More expensive than outsourced options

• Management overhead (training, oversight)

• May still need a CPA for taxes

💡 This is ideal for larger or high-volume businesses, but overkill for many freelancers and solo business owners.

📦 Option 3: Outsourced Bookkeeping Services (Flat-Fee)

Outsourcing your bookkeeping to a remote service (🙋‍♀️ like ours) gives you:

• Professional support

• Transparent monthly costs

• Software setup and integration

• Monthly reports and cash flow clarity

💰 Typical Flat Fee Range:

• $250–$500/month depending on transaction volume and services

• Often includes: reconciliation, categorization, reporting, light advisory

✅ Pros:

• You save 10–15+ hours/month

• No payroll costs or contracts

• No tax-time scramble

• You gain clarity, consistency, and peace of mind

💡 At Breakspears Bookkeeping Services LLC, our clients tell us the cost is a fraction of what they were losing in time, mistakes, and missed opportunities.

🧠 What You Really Pay for When You Manage Finances Poorly

If you're doing it yourself, or not doing it at all - you're probably paying more than you realize. The real costs of poor financial management include:

• Overpaying taxes (missed write-offs)

• Late fees or penalties

• Stress and burnout

• Unpaid invoices

• Missed growth opportunities (because you didn’t know what you could afford)

The truth is: you either pay to stay organized—or pay to clean up the mess later.

📈 How to Make Financial Management Affordable and Effective

To get the best value out of what you spend, follow this checklist:

✅ Use bookkeeping software (QuickBooks, Wave, or Xero)
✅ Separate business and personal accounts
✅ Set aside 20–30% for taxes monthly
✅ Run monthly reports (P&L, cash flow)
✅ Know when to delegate
✅ Choose a support system (DIY, hire, or outsource) based on your stage of business

💡 If you’re spending 5+ hours/month on your books, it may be time to outsource.

💬 Final Thoughts: Pay Less by Managing Smarter

You don’t have to overspend to get help. You just need to understand the true cost of managing small business finances - and make choices that align with your time, growth goals, and peace of mind.

At Breakspears Bookkeeping Services LLC, we offer affordable, remote bookkeeping services for freelancers and small business owners who are ready to ditch the chaos and finally feel in control of their numbers.

📌 Want to Know If You’re Overpaying?

Let’s run the numbers. We’ll show you exactly how much time and money you could save with a flat-fee monthly package.

👉 Explore our services or book a free discovery call today.

Business Budgeting 101: How to Build a Budget That Works

If the word “budget” makes you want to hide under your desk, you’re not alone.

But here’s the truth: Your budget is your business’s blueprint. It’s not about restriction: it’s about direction.

Whether you’re running a freelance side hustle or managing a growing team, knowing how to create a business budget can be the difference between coasting and scaling, surviving and thriving.

Let’s walk through a simple, no-fluff guide to creating a budget that actually works for you…not just on paper, but in the real world.

💡 Why Your Business Needs a Budget

Before we dive into how to build one, here’s what a business budget really does for you:

• Helps you make smarter decisions with your money

• Keeps spending aligned with your goals

• Prepares you for slow months or unexpected expenses

• Shows investors or lenders that you’re financially responsible

• Gives you peace of mind (yes, really)

It’s not about micromanaging every penny: it’s about knowing what’s coming in, what’s going out, and what’s left.

🧩 Step 1: Know Your Income Streams

Start with the money coming in.

Write down all your income sources, including:

• Client payments

• Product sales

• Subscription revenue

• Retainer fees

• Grants or other funding

If your income varies month to month (hello, freelancers 👋), look at the past 3–6 months and take an average.
💡 Use the lowest monthly income as your starting point if you want to budget conservatively.

💸 Step 2: List Your Fixed and Variable Expenses

Next, identify where your money goes. Break it into two categories:

✅ Fixed Expenses (same amount monthly):

• Software subscriptions

• Rent or coworking space

• Internet/phone

• Insurance

• Payroll or contractor retainers

🔁 Variable Expenses (changes month to month):

• Supplies

• Advertising

• Travel

• Freelancer payments

• Continuing education or courses

💡 If you’ve just started your business, research average costs for your industry or ask your bookkeeper (like us!) to help estimate.

💼 Step 3: Don’t Forget the Hidden Essentials

These often get missed—but can derail your cash flow if ignored:

• Taxes: Set aside 20–30% of your net income

• Emergency fund: Aim for 1–3 months of business expenses

• Savings or reinvestment: For new equipment, rebrands, team hires, or growth

💡 Create a separate savings account for taxes and emergency cash. Out of sight = less temptation to spend.

📊 Step 4: Build the Budget

Now that you know your income and expenses, it’s time to put it all together.

Here’s a simple monthly layout:

💡 Use a spreadsheet or free tools like Wave, or sync with QuickBooks Online for live tracking.

🧠 Step 5: Check In Monthly

Your budget is a living, breathing document, not a set-it-and-forget-it task.

At the end of each month:

• Compare your actuals to your budget

• Note any major differences

• Adjust for the next month

💡 At Breakspears Bookkeeping Services LLC, we provide monthly reports to help clients see how their budget is tracking and where improvements can be made.

🔁 Step 6: Refine as You Grow

As your business evolves, your budget will too. You might:

• Add new income streams

• Drop expenses that don’t bring ROI

• Shift your marketing strategy

• Hire help or outsource tasks

Budgeting is a habit, not a one-time event. The goal isn’t to get it perfect: it’s to stay informed, make smart decisions, and avoid financial surprises.

💬 Final Thoughts: A Budget That Works With You, Not Against You

Learning how to create a business budget isn’t about becoming a finance expert. It’s about building a simple, sustainable habit that helps your business grow……and gives you the confidence to lead it.

You don’t need to track every penny, but you do need to know where your money is going, and what’s coming next.

And if you’d rather have support getting it set up and reviewed? That’s exactly what we do.

📌 Need Help Creating a Budget That Actually Works?

At Breakspears Bookkeeping Services, LLC, we help freelancers and small business owners build clear, effective budgets that support real growth.

👉 Explore our monthly bookkeeping packages
👉 Book a free 15-minute intro call to get started.