Envelope Budgeting for Small Business: Give Every Dollar a Job Before It Disappears
Envelope budgeting assigns every business dollar a category before it is spent — tax, pay, operating, buffer — so variable income stops causing cash crises.
#recurring-transactions
Recurring Transactions
Automate recurring transactions and subscription tracking
Visa's Subscription Rules for Free Trials and Recurring Billing: What Small Businesses Must Get Right
Visa requires express consent, instant terms, a 7-day pre-billing reminder, and easy online cancel for free trials — miss one and the dispute is unwinnable.
NYC's Click-to-Cancel Rule Is Now in Effect: What Subscription Sellers Must Do to Comply
NYC's click-to-cancel rule is live: online cancellation is mandatory, renewals need 15-to-45-day notice, and fines run $525 to $3,500 per violation.
Bookkeeping for Fire Alarm and Sprinkler Inspection Companies: Building Books Around the NFPA Compliance Calendar
Fire alarm and sprinkler inspection companies should track NFPA 25 and NFPA 72 testing cadences as separate recurring revenue streams, recognize prepaid annual contracts ratably per completed visit, and job-cost deficiency repairs separately from the flat inspection fee so true margins and contract renewal rates stay visible.
Meal Prep Delivery Bookkeeping: Why Your COGS Might Secretly Be Over 100% of Revenue
Meal prep and meal-kit subscriptions must defer prepaid revenue until meals are delivered and roll packaging, delivery, labor, and spoilage into COGS — early-stage operators who skip this often find total COGS above 55%, sometimes exceeding 100% of revenue on specific SKUs.
Stripe Billing vs. Chargebee vs. Recurly: Choosing Your SaaS Subscription Platform
Stripe Billing suits developer-led SaaS teams under roughly $500K MRR, Chargebee fits non-engineers managing complex pricing above a monthly platform fee, and Recurly's ML-optimized dunning recovers 40-70% of failed payments versus about 15% with no intervention.
After the Click-to-Cancel Rule Fell: Subscription Compliance, Refund Reserves, and Chargeback Liability in 2026
The Eighth Circuit vacated the FTC's Click-to-Cancel rule in July 2025, but ROSCA, Section 5, and state auto-renewal laws still bind subscription operators—and refund reserves, chargeback liabilities, and contingency accruals still belong on the balance sheet.
Section 451(c) Advance Payments: The One-Year Deferral Rule SaaS Founders Need to Understand
Section 451(c) lets accrual-method SaaS businesses defer advance payments — annual subscriptions, gift cards, prepaid services — by one tax year. Here is how the AFS deferral method interacts with ASC 606, how to elect it on Form 3115, and where the timing traps lurk.
Billing vs. Invoicing: What's the Difference (and Why Your Cash Flow Depends on Knowing It)
Invoicing is a document; billing is the system around it. This guide defines the difference, cites the cash-flow cost of getting it wrong, and lays out a seven-step framework (standardized rates, written terms, recurring vs one-time tracks, dunning, weekly reconciliation, DSO tracking) for building a billing process that actually gets paid.
Credit Card Authorization Forms: A Guide to Recurring Billing, PCI Compliance, and Chargeback Defense
A credit card authorization form documents cardholder consent for charges and is required by card networks for card-not-present and recurring billing. Covers the required fields, PCI DSS storage rules, and how a signed form shifts the burden in chargeback disputes.
Forecasting Future Transactions in Beancount
Learn how to implement a plugin in Beancount to forecast future recurring transactions, enhancing your financial planning and management.