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#bookkeeping

Bookkeeping

Modern bookkeeping techniques using plain-text and automated workflows

Why 2 in 3 Small Business Owners Lose Sleep Over Money — and the Bookkeeping Habits That Actually Help

A 2026 survey of 781 U.S. small business owners found 68% lose sleep over money monthly and 41% name cash flow timing — not totals — as their biggest stressor. Five bookkeeping habits reduce that anxiety: a 13-week cash flow forecast, separate bucket accounts, a weekly money date, faster invoicing, and a defined cash buffer.

The 'Mutual Election' Fix: What a Proposed Third Worker Category Would Mean for Your Freelancer Bookkeeping

The 21st Century Worker Act (S. 2159) would set one federal classification test and add a third "mutual election" category letting a business and worker jointly choose contractor or employee status, defaulting to contractor if they disagree. Here is what it would change for freelancer bookkeeping and how to keep contractor records defensible now.