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Crystal's Blog

My thoughts on business, budgeting, life, children, and marriage!

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A Budget Is Your Dream In Numbers - A Bookkeeper's Tale bookkeeper bookkeeper near me budgeting business mindset unpopular opinion Jun 06, 2025

Kendra was a business coach with vision boards, notebooks full of ideas, and a deep desire to scale her group coaching program. Every year she set goals. “Six figures this time,” she’d whisper to hers...

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She Stayed Affordable And Stayed Broke - A Bookkeeper's Tale bookkeeping business mindset find a bookkeeper unpopular opinion Jun 02, 2025

Monica called it “charging what felt fair.” But fair usually means you're underpaid.

Monica was a wedding photographer with a beautiful portfolio and years of experience. Her work was art. Her client...

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The Hoodie Hustle That Nearly Broke Him - A Bookkeeper's Tale bookkeeper near me budgeting business mindset find a bookkeeper unpopular opinion May 31, 2025

Ralph had been running his hoodie business for seven years. $425,000 in annual revenue. A solid brand. Loyal customers. And yet, his bank account never reflected how awesome his sales were.

Even afte...

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Revenue is Sexy. Profit is Necessity - A Bookkeeper's Tale budgeting business mindset unpopular opinion May 29, 2025

Rachel was proud of her $40K launch, until she realized she had nothing to show for it.

She was a business coach with a polished brand, magnetic offers, and a loyal audience. Every launch looked like...

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Great Clients, Revenue, and Growth but No Profit – A Bookkeeper’s Tale bookkeeper near me bookkeeping budgeting business mindset find a bookkeeper unpopular opinion May 27, 2025

Derek didn’t plan for profit, he hoped for it though. He ran a digital marketing agency with a lean team and a stacked client roster. Every month, recurring revenue came in. Every month, it went right...

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A Tearful Breakdown in Her Car - A Bookkeeper's Tale bookkeeper bookkeeping budgeting business mindset unpopular opinion May 25, 2025

Sasha ran a growing meal prep business. Every week she mentally tallied her expenses: food costs, packaging, team wages. She didn’t have time to track it all in a spreadsheet. She was busy cooking, ma...

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“No one can do it like I do.” Is A Big Fat Lie - A Bookkeeper's Tale bookkeeper bookkeeping budgeting business mindset unpopular opinion May 21, 2025

Tina was living her dream - She was a successful interior designer with a wait list of high-end clients. Her work was stunning, her referrals were strong, and her revenue looked great on paper.

But s...

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Great Profit But Can't Pay the Bills - A Bookkeepers POV budgeting business mindset unpopular opinion May 06, 2025

It's shocking to learn that your business appears profitable but it is actually broke. How is that possible, you ask? Because profitability and cash flow are not the same. Your profit and loss report ...

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Personal and Business Finances Should Be Kept Separate - A Bookkeepers POV budgeting business mindset unpopular opinion May 02, 2025

Commingling personal and business finances is a common startup trap. Many business owners fund their venture using personal bank accounts, credit cards, or family loans, without opening separate accou...

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Stop Focusing So Much on the Top Line of Your Business - A Bookkeepers POV business mindset unpopular opinion Apr 28, 2025

Any time a business owner tells me what their top line number is, I want to know what their bottom line is. If all you are focusing on is hitting a million in revenue, yet are so far in debt and are n...

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Top Line Versus Profit - A Bookkeepers POV budgeting business mindset finding a bookkeeper unpopular opinion Apr 25, 2025

Most business owners ask: “How much do I want as a top line?” The better question is: “How much do I want to profit?” 

Traditional financial thinking for business owners is this equation: Income - Ex...

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Why You Should Love Your Savings Account business mindset money unpopular opinion Apr 21, 2025

Keeping 3 to 6 months reserves in a bank account feels like torture, right? You want this money working for you - not just sitting there, accruing .0001% interest.

But, what if you looked at it thi...

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