Money Notes
Practical bookkeeping, written for owners
Short, specific essays on cash flow, the month-end close, and the numbers that actually move a small business. Written by the bookkeepers who do the work every day.
How to switch bookkeepers without breaking your books
The safe hand-off sequence: what to collect from the old bookkeeper, what the new one needs on day one, and the three mistakes that turn a switch into a mess.
7 signs it's time to hire a bookkeeper
From dread when the bank statement arrives to pricing decisions made on gut feel — the specific, honest signals that your books have outgrown the do-it-yourself stage.
Bookkeeper vs. accountant vs. CPA: who does what?
Three different jobs that everyone confuses: what each one actually does, what it costs, which one you need right now — and the division of labor that works for most small businesses.
September Cash-Flow Roundup
Five moves that keep payroll covered in Q4.
How much does a bookkeeper cost in 2026?
Real numbers, not ranges-with-asterisks: freelance hourly rates, in-house salaries, outsourced plans, and the three cost factors that actually move the price.
In-house vs outsourced bookkeeping: the real 2026 math
A $52,000 salary is not the cost of an in-house bookkeeper. Benefits, software, turnover, and the owner-time tax push the true number past $71,000 — here is the full worksheet.
The 5-point monthly close checklist we run for 20 clients
The exact close sequence our bookkeepers follow every month — reconciliation, AR/AP tie-outs, payroll checks, and the two review gates most small businesses skip.
13-week cash flow: the forecast that flags trouble a quarter early
Most small businesses discover cash problems 10 days before payroll bounces. A rolling 13-week forecast moves that warning to 13 weeks — here is how to build one in an afternoon.
One useful money email a month
One checklist, template, or cash-flow idea from our client work — no filler, unsubscribe anytime.
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