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Pennywise Solutions
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How to Know When It’s Time to Hire a Bookkeeper
Is It Time to Stop Doing Your Own Books? Many small business owners start out managing their own books — and that’s okay. But as your business grows, DIY bookkeeping often leads to missed details, stress, and lost time. Here are five signs  it’s time to bring in a professional bookkeeper. 1. You’re Always Behind on Your Books If you keep saying, “I’ll catch up this weekend,” it’s probably costing you more than you think — in both time and accuracy. 2. You Don’t Know Your Numb
Carrie Gajda
Oct 201 min read


7 Tax Deductions Small Business Owners Forget Every Year
Stop Missing Out on Legitimate Tax Deductions Tax time doesn’t have to be stressful — but it often is because small business owners miss out on deductions they’re entitled to. Here are 7 commonly forgotten tax write-offs  that could save you money this year. 1. Home Office Expenses If you use part of your home regularly and exclusively for business, you can deduct a portion of your rent or mortgage, utilities, and internet. 2. Business Use of Your Car Track your mileage with 
Carrie Gajda
Oct 171 min read


Why You’re Profitable But Still Broke: The Cash Flow Trap Every Small Business Faces
Are You Profitable but Still Broke? If your profit and loss statement says you’re making money, but your bank account disagrees, you’re not alone. Many small business owners fall into the cash flow trap  — where profits look great on paper, but cash is tight in real life. Understanding cash flow management  is one of the most important financial skills you can develop as a business owner. Profit vs. Cash Flow: What’s the Difference? Profit  measures what you earned  minus wha
Carrie Gajda
Oct 131 min read


Crafting Your Financial Blueprint: A Confidence-Driven Approach to Business Success
Creating a financial plan isn’t just about crunching numbers; it’s about crafting a blueprint that confidently guides your business...
Carrie Gajda
Aug 304 min read
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