Practical System for Small Business Owners
Closing the Books
Is Only Half the Job.
You Still Need to Know
What the Numbers Mean.
A repeatable monthly system for completing your books, reviewing the results, and deciding what needs attention next.
Close the books. Understand the numbers. Make a decision.
19-Page Digital Guide
The Monthly Money System
for Small Business Owners
$27
one-time · instant PDF download
- A six-phase process for completing each month correctly
- A Monthly Close Tracker so nothing important gets missed
- Plain-language Profit & Loss and Balance Sheet reviews
- A Monthly Money Snapshot and decision worksheet
- QuickBooks rules, warning signs, and troubleshooting guidance
- Year-end readiness steps that start long before tax season
Get the Monthly Money System — $27 →
Secure checkout · Instant PDF delivery · No subscription
The real problem
Your Books Can Be Reconciled and Still Leave You Guessing
Categorizing transactions and reconciling the bank account are important. But they don't automatically tell you whether the month is complete, why profit changed, whether cash is getting tighter, or what you should do next.
The goal isn't merely to finish the bookkeeping. The goal is to come away understanding the business.
You aren't sure whether every account has actually been reconciled.
Incomplete books can make every report that follows less reliable.
The Profit & Loss changed, but you don't know why.
A number without an explanation doesn't help you make a decision.
Revenue looks good, but cash still feels tight.
Profit, collections, bills, debt, and cash must be reviewed together.
You finish the month and immediately move on.
That misses the most valuable part: deciding what deserves attention next.
The system
Six Phases Take You From Transactions to a Business Decision
Follow the same order every month. Each phase proves something different about your books and your business.
Phase 1
Collect
Gather statements, receipts, payroll information, loan activity, and anything else the books must explain.
Phase 2
Record
Match and categorize activity correctly instead of forcing transactions into place.
Phase 3
Reconcile
Prove that every account in the books agrees with an independent statement.
Phase 4
Complete
Confirm receivables, bills, payroll, sales tax, loans, and owner activity are complete.
Phase 5
Review
Read the financial statements and explain what changed during the month.
Phase 6
Decide
Turn the review into one clear action, question, or decision for the next month.
What you receive
A Working Monthly Process—Not More Accounting Homework
The guide combines instructions, review questions, trackers, and decision tools you can use every month.
One-time setup and source-document collection tracker
Recording, matching, categorizing, and reconciliation rules
Monthly Close Tracker covering bank, credit cards, receivables, bills, payroll, taxes, loans, and owner activity
Profit & Loss review: revenue, gross profit, payroll, expenses, and net profit
Balance Sheet review: cash, receivables, debt, loans, and equity
Questions for reviewing cash, collections, bills, and debt together
Monthly Money Snapshot for the numbers that matter
Change-explanation worksheet to separate expected changes from problems
Decision worksheet that ends the process with one clear next action
Warning signs and the safest next move for each one
QuickBooks workflow rules that prevent repeat problems
Year-end readiness tracker and suggested documentation folder
Free routine vs. paid system
The Free Resource Tells You Where to Start. This Helps You Finish the Month.
Free
Monthly Bookkeeping Routine
A short overview of the recurring bookkeeping work that helps keep your records organized.
Complete system · $27
Monthly Money System
The full close, review, snapshot, troubleshooting, and decision process—with working trackers and review questions.
Who this is for
This System Is Right for You If...
You handle some or all of your own bookkeeping
You can record activity, but you want a reliable process for knowing when the month is actually complete.
You have reports but don't always understand them
You want to know what changed, why it matters, and which numbers deserve a closer look.
You want to catch problems before tax season
You would rather identify duplicates, missing activity, old balances, and reconciliation problems while they are still manageable.
You want your numbers to help you run the business
You want the monthly process to end with a decision—not just a reconciled bank account.
This is not a bookkeeping course or cleanup service.It assumes you have an active bookkeeping system and can access your transactions and financial reports. If your books are badly behind or materially incorrect, professional cleanup may be the safer starting point.
Created by
Jason Seckman
Bookkeeper, Accountant & Fractional CFO · JBS Mint
I've spent more than 20 years working inside the financial records of small businesses. The most useful monthly process doesn't stop when the bank account reconciles. It confirms that the books are complete, explains what changed, and gives the owner a clearer decision to make. This guide turns that professional review process into a practical system a business owner can follow.
Common questions
Before You Buy
Do I need to be an accountant?
No. The guide is written in plain language for business owners. You should be able to access your bookkeeping activity and basic financial reports.
Is this only for QuickBooks Online?
The workflow is especially useful for QuickBooks Online users, but the close, review, and decision process applies to other bookkeeping systems as well.
Will this clean up books that are already wrong?
It will help you identify warning signs and investigate common problems. It is not a substitute for professional cleanup when the books contain significant historical errors.
Is this a subscription?
No. It is a one-time $27 purchase with instant access to the PDF.
Close. Review. Decide.
Finish the Month Knowing More Than Your Bank Balance
Use the same repeatable process each month to complete the books, understand the results, and decide what needs your attention next.
$27
One-time · 19-page instant PDF download
Get the Monthly Money System →