Bookkeeping and Financial Literacy by Samone J

04/09/2026

🚨 FREE PERSONAL FINANCE WORKSHOP! 🚨
Ready to take control of your money and build a stronger financial future? Join us for a powerful and practical Financial Small Group Workshop designed to help you LEVEL UP your financial life!

📅 Saturday, April 18th @ 10AM
📍 Forward Christian Center
10934 Lem Turner Road, Jacksonville, FL 32218

This workshop will cover:
💰 Budgeting that actually works
📉 Smart debt management
📈 Building financial confidence
💡 Practical tools you can use immediately

Whether you’re just getting started or looking to tighten up your money habits — ALL ARE WELCOME!

📲 Sign up today by calling or texting: 904-328-8145

Let’s grow financially, together! 💸✨

02/23/2026

If you need a mindset shift and have goals of being debt free. https://youtu.be/tEWnTeciAXg?si=LzLBYv63VZ7Pizs-

02/13/2026

🚨 “Everything is a write-off.”

No. It’s not.

One of the biggest financial mistakes I see business owners make is assuming:

“If the money came from my business account, it’s a business expense.”

That’s not how this works.

A business expense must be ordinary and necessary to operate and generate income.

Let’s talk about the ones people don’t think about 👇🏾

⸻

❌ “I loaned my client money.”

That is NOT a business expense.

It’s either:
• A Loan Receivable (asset) if you expect repayment
• Or poor cash management if you don’t have terms in writing

Loans don’t reduce profit. They are money that should come back to the business.

You are not a bank. Cash flow is oxygen.

⸻

❌ “I helped my employee pay their rent.”

Generous? Yes.
Business expense? Not automatically.

If you give an employee money for personal bills, that is typically:
• Additional taxable wages (which should go through payroll properly), or
• An owner distribution if you didn’t structure it correctly.

If it’s not processed the right way, you create payroll tax problems.

⸻

❌ “I treated my employee to something personal.”

Buying:
• Their car note
• A home appliance
• Random personal gifts outside of structured compensation

That’s not automatically deductible.

Now…

✅ Legitimate Employee-Related Expenses:
• Team lunches for morale
• Holiday parties
• Structured bonuses
• Company retreats with business purpose
• Appreciation gifts within limits

Intent and structure matter.

⸻

❌ “I loaned a friend money from my business.”

That’s not an expense.
That’s either a receivable or an owner draw.

⸻

❌ “I went on vacation but talked about business.”

That doesn’t make the entire trip deductible.

⸻

Here’s the real issue:

When you categorize everything as an expense:
• You distort your profit.
• You create messy books.
• You make bad financial decisions.
• You increase audit risk.

Every dollar that leaves your account falls into one of five categories:
• Expense
• Asset
• Liability
• Payroll/Compensation
• Owner Distribution

If you don’t know which one it is, that’s where the problem starts.

⸻

Before you ask:

“Can I write this off?”

Start asking:

“What category does this actually belong in?”

That shift will mature you as a business owner.

02/11/2026

Transparency moment.

I’ve had businesses that didn’t grow the way I wanted them to.

Even now with my accounting business, there are moments where I feel like it’s not moving at the pace I expected. But the work I have right now is showing me that it’s growing at the pace it should be growing. And sometimes that means it’s time to shift — not quit.

Last week I wanted to give up.

One of my clients and I were both stressed.
I’m stressed because as I grow, I’m still learning. And the more I learn, the more I have to educate, correct, and request.

She’s stressed because before working with me, she didn’t realize how messy her books really were… and how long she had avoided looking at her money.

She told me:
“Samone, I needed that conversation. I should have had it ten years ago.”

That’s why I always say this:

Business owners — look at your books.

Your website is not bookkeeping.
Your merchant provider is not bookkeeping.
Your bank balance is not bookkeeping.

Pay attention to your numbers.
Create systems that keep things organized.
Don’t just hand them off and forget about them — especially during tax season.

Because once things get messy, cleaning them up is rigorous. And depending on your business structure, it can be expensive.

Don’t wait until you owe the IRS.
Don’t wait until you’re overpaying in taxes.
Don’t wait until you’re in panic mode.

You need an accountant.
One who communicates.
One who is upfront.
One who advises — not just files.

Growth isn’t always fast. But it is intentional.

02/05/2026

You make good money… so why does it feel like it disappears every month? 🤔
Here’s the hard truth: making more money won’t fix bad money habits—it just amplifies them.

The real work starts when you identify the habits draining your money and create a simple system to shut them down.
Awareness → plan → consistency. That’s how you take control. 💰✨

02/04/2026

Remove the idea that you are bad with money. All it does is keep you in a state of not want to try to manage it better. Replace the thought with actions. Seek help, listen to a podcast, watch a YouTube video, something educational. Then sit down and apply action.

02/02/2026

https://youtu.be/OkHXlarTrR0?si=wXnOgpDiVupRgpd0

02/01/2026

I’m starting my YouTube Channel! If the education I share has blessed you and you feel I have something to say to you, I would appreciate it if you would subscribe. Videos will be uploaded weekly on Mondays at https://youtu.be/5WVZNNT2wSk?si=6VSgfnqdynov3nJj 10am.

Welcome! This channel is for anyone who wants clarity and peace around money. We talk budgeting, money mindset, financial organization, and faith-based stewa...

01/30/2026

Book cleanups cost what they cost for a reason.

This is the third conversation I’ve had with my client’s tax accountant to make sure we’re aligned and that everything is being handled correctly—so my client isn’t charged unnecessary fees. During today’s review, I noticed several issues that could have easily cost her more money and made it harder to accurately balance her books.

Please—make it a priority to stay organized with your spending and to regularly review your financial statements. It will only help you. Disorganization can quietly cost you money, and you won’t even realize it. Instead, you’ll spend days trying to figure out why the business is taking hits or why growth has stalled.

Yes, some tax accountants offer book cleanups or will take on messy books and try to work a miracle. But the reality is, when they have a large client load, they often don’t have the time to go line by line and verify every transaction. To get the work done, they may have to make adjustments based on limited information—even if it’s not perfectly accurate.

And you won’t know that unless you’re actively paying attention to how your money is moving.

Making the money is only one part.
Stewarding it well is just as important.

01/25/2026

✨ Big win today! ✨
I officially finished my Tax Planner Excel sheet (look at me using my Excel knowledge with pie charts and graphs 🤭📊).

This is the exact sheet I’ll use with my clients to keep them updated on what their tax season will look like all year long — not just when tax time rolls around.

So many business owners spend all year and hope for the best when tax season comes 😬
But I want to condition my clients to be planners, not guessers.

This tool helps them:
• Make better business decisions
• Spend intentionally
• Spot smarter places to put their money

Because clarity > surprises. Always. ✨

01/23/2026

🚨 Common Business Money Myth 🚨
“If my business makes a lot of money, I can spend a lot of money.”

This mindset is one of the fastest ways to create bad financial habits 😬
It can slow your business growth, stress your cash flow, and bleed into your personal life, making it harder to live comfortably—even when revenue looks good on paper.

In business, income alone is not the goal.
📌 Systems, structure, and strategy are.

Here are some things you should be doing to build a healthy, organized financial system 👇🏽

💳 Organize your bank accounts
You should have 4 core accounts, with ONE checking account used for all income and all business expenses (no hopping around).

📊 Create a written budget
Your budget should clearly outline:
• Monthly business expenses
• Savings & taxes
• Your owner’s pay (this is not optional)

💵 Pay yourself intentionally
What you pay yourself should:
• Support your personal lifestyle
• Be reasonable for your industry
• Leave enough cash in the business to grow

🧾 Document everything
Track and keep records for:
• Gas mileage
• Events & conferences
• Meals & client lunches
• Charitable donations
• Subscriptions & tools

🚫 STOP commingling funds
Mixing personal and business money:
• Creates a bookkeeping nightmare
• Inflates your numbers
• Frustrates your accountant
• Raises red flags with the IRS 🚩

💸 Get out of unnecessary debt
You don’t get to write off loan payments — only interest in some cases.
That means a lot of debt is just money leaking out of your business.

✨ Revenue is exciting.
📌 Cash flow, clarity, and control are what actually build wealth.

If you want help setting this up the right way, that’s literally what I do. Book a consultation today!

www.samonejfinancialservices.com