Sarah Songalia

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Sarah Songalia Hi, I’m Sarah. I’ve spent the last 20 years helping businesses grow through finance, accounting, and tax consulting.

I also help families secure their legacy through succession and estate planning. 18+ years in Management Advisory and Business Consulting | 10+ years in Financial and Estate Planning

I’ve lost count of how many times I’ve presented Quenta to businesses already. But this one was a first, so I really wan...
09/09/2026

I’ve lost count of how many times I’ve presented Quenta to businesses already. But this one was a first, so I really wanted to share it.

One thing we have proven again and again is that when businesses grow into several companies, seeing the whole picture becomes much harder.

Each company has its own books, payroll, employees and operations. But the owners and management team still need to know: How are we really doing?

That is one of the reasons we built Quenta.

What I loved about this presentation was that they immediately saw the difference.

They saw that Quenta is not simply accounting or payroll software being offered in the Philippines. It was built around Philippine business practices and the way businesses here actually operate.

And when I heard that we were “pushing the right buttons” with Quenta, you can imagine what that meant to me.

These are the moments that make building Quenta even more meaningful.

We still have a lot we want to do, but every business that comes onto the platform — and every conversation we have with the people using it - gives us more reason to keep going.

Our goal remains the same: help businesses understand their numbers better so they can grow with greater clarity.

Every number tells a story. 💚

It has been a while since I shared what has been happening with Quenta.

We have been busy making Quenta better and continuing to build it into what I have always wanted it to become:
the Financial Command Center for Philippine businesses.

And quite a lot has changed.

Quenta Payroll and Operations has evolved into a much more robust payroll system, largely because of the requests we have been receiving from clients. We have streamlined the payroll run into six easy steps, with a wizard guiding the user from beginning to end.

Our Inventory Management module has grown too, with a new branch-aware procurement process and OCR document intelligence now being applied to supplier documents as well.

We have also built a tax and compliance pack for PEZA- and BOI-registered companies to help with their reportorial requirements.

Then there is our Tax Center, which has become one of the areas I am most excited about.

Quenta follows the tax components of a transaction from the moment it is recorded and carries those components into the Tax Center, where the system computes the tax payable for you.

And the numbers are verifiable.

Click on an amount and Quenta can take you back to the ledger and the source documents supporting it.

We also built monitoring for creditable withholding taxes that have not yet been supported by the corresponding certificates, because we know how often that becomes a problem come filing time.

The BIR tax deadlines are monitored too and appear on the dashboard.

And one feature clients have been particularly happy about is the automatic preparation of BIR Form 2307. Quenta prepares it from the transactions already in the system. You simply review it and issue it by print or email.

That is the kind of work I want Quenta to take away.

Not the judgment.

Not the accounting.

The repetitive work around it.

We have also strengthened Business Insights, including a module for your books of accounts, ready for export or printing. This is particularly useful for companies moving from manual books to loose-leaf books, and for those already maintaining loose-leaf books.

And one of the improvements I am surprisingly excited about is something much smaller:
Quenta now has a search bar.

It may sound simple, but as the platform grows, I think this becomes increasingly important.

A new user should not have to know where everything is before the system becomes useful.

Need to run payroll? Search for it.

Looking for a tax report? Search for it.

Trying to find a particular process? Search for it.

A powerful system should still feel easy to use.

And a lot of what we have been building comes from listening to the businesses already using Quenta, and the businesses considering it.

One thing prospects often ask when I come in for a presentation is whether I have anyone with me.

Usually, the answer is no.
I still present Quenta myself.
Not because I have to, but because I want to hear the comments firsthand.

Yesterday was one of those meetings.
At one point, the president told me that with Quenta,
"you are pushing the right buttons."

He said that what we are building feels genuinely localized, something that fits the way Philippine businesses actually operate.

You can probably imagine how that felt to hear.

Because that has always been the point.

I never wanted Quenta to be just another accounting system that happens to be available in the Philippines.

I wanted it to understand how businesses here really work.

Our payroll requirements. Our taxes. Our supporting documents. Our branches. Our inventory. Our regulatory requirements. Our books of accounts. And the need of owners and managers to see what is happening while there is still time to do something about it.

Then came the part that made me laugh.

I mentioned that we wanted Quenta to remain affordable.

He stopped me and said, in effect:
"Don't call it affordable. We don't do cheap. It's a fair deal."

Haha. Point taken.

Maybe that was a reminder for me too.

The goal is not to make Quenta cheap.

The goal is to make sure that what a business gets from it is worth what it pays for.

And in the middle of the presentation, they handed me this thoughtful gift.

Not even at the end. I think they were simply excited by what they were seeing.

But I think the bigger gift was hearing, directly from another business owner, that we may indeed be building the right thing.

That is why, for now, I still want to be the person in the room presenting Quenta.

Because every conversation teaches us something.

Every number tells a story. So does every conversation behind Quenta.

In school and professional training, there is usually a correct answer. In consulting, sometimes there isn’t one.You can...
30/08/2026

In school and professional training, there is usually a correct answer. In consulting, sometimes there isn’t one.

You can have incomplete information, conflicting stakeholder interests, limited resources and very little time. You still have to help the client make a decision.

That was an important transition for me: learning that consulting isn’t about knowing everything. It is about knowing how to think through a problem rigorously.

Being smart may get you into the room. Reliability, integrity and judgment determine whether you are invited back.

Never allow anyone to take these away from you. Fight when you must!

A quick gut check for the weekend. 👇Without opening your accounting system, a spreadsheet, or your bank app — which of t...
29/08/2026

A quick gut check for the weekend. 👇

Without opening your accounting system, a spreadsheet, or your bank app — which of these five could you tell me right now?

💵 Available cash
📩 Receivables
📅 Payables
⚖️ Break-even
📊 Net profit margin

Which do you already watch closely, and which would you have to go looking for? Tell me in the comments — I'm always curious which numbers business owners keep at their fingertips, and which ones tend to slip out of view.

Years ago, a business owner said something to me that has stayed with me:"I built this whole business, and yet I still d...
28/08/2026

Years ago, a business owner said something to me that has stayed with me:

"I built this whole business, and yet I still don't understand my own numbers."

She was not careless. Far from it. She knew her business. She understood her customers, her people, and the industry she had worked so hard to succeed in.

But when it came to her financial statements, she did not feel the same confidence.

And over the years, I have heard different versions of that same concern from many business owners.

I have always believed there is something wrong with that.

You built the business. You make the decisions. You take the risks. You carry the responsibility for your employees, your customers, and the future of the company.

Your numbers should help you do that better.

They should tell you where the business is doing well, where it is struggling, where your cash is going, what you can afford to invest in, and whether the decisions you are making are actually moving the business forward.

Your financial information should give you clarity, not confusion.

That belief has shaped much of the work I do today - in consulting, in teaching, in the businesses and tools we build, and in the conversations I have with entrepreneurs.

Because understanding your numbers is not simply about accounting.

It is about making better decisions.

You do not have to know every accounting rule or understand every technical detail. But as the person leading the business, you should be able to look at your numbers and understand what they are telling you.

Where are we now?

Where are we headed?

What needs my attention?

And what should I do next?

Because ultimately, the numbers are not the business.

But they should help you run it better.

If you learn to use one financial number better this year, make it your break-even point.Break-even is your reference po...
26/08/2026

If you learn to use one financial number better this year, make it your break-even point.

Break-even is your reference point for decisions. Every time you're weighing something that changes your costs or your pricing — a price cut, a new hire, a bigger space, new equipment, another branch, higher salaries — the question underneath it is the same: what does this do to the point where the business starts earning?

Break-even won't make the decision for you. But it makes the financial consequence of that decision much easier to see.

If you're facing a big call right now, send me a message and tell me what decision you're trying to make.

One of the biggest misconceptions about business finance is that you have to understand everything before you can unders...
24/08/2026

One of the biggest misconceptions about business finance is that you have to understand everything before you can understand anything. You don't.

Start with the numbers that actually help you make decisions: available cash, receivables, payables, break-even, net profit margin.

Once you understand these five, many of the questions you face become easier to evaluate —

Can we afford this?
Why is cash tight?
Are we collecting fast enough?
Are we actually earning enough?
Can we afford to grow?

I made a simple guide to help you start. Comment NUMBERS and I'll send you the link.

Real talk, business owners 👇Have you ever been profitable on paper but broke in the bank?🅰️ All the time🅱️ Once — and it...
22/08/2026

Real talk, business owners 👇

Have you ever been profitable on paper but broke in the bank?

🅰️ All the time
🅱️ Once — and it scared me
🅲️ Never — I watch my cash closely

No judgment — drop your letter below. (Your answers help shape what I write next.) 💙

Sales are not profit. And profit is not cash.I once had a client with sales in the hundreds of millions — yet they strug...
21/08/2026

Sales are not profit. And profit is not cash.

I once had a client with sales in the hundreds of millions — yet they struggled to pay their liabilities on time.

It's easy to look at strong sales and assume the business must be doing well. But when I dug into their numbers, I found their costs had changed while their pricing hadn't kept pace. They were selling a lot — but keeping too little from every sale.

And while profit doesn't tell you how much cash is sitting in your bank today, profitability still matters. It determines whether your operations create enough value for the business to eventually retain cash, meet its obligations, reinvest, and grow.

That's why you need to understand more than your sales. You need to know what you're earning, where your cash is going, and whether the way you run your business is actually producing the financial results you think it is.

That's what good accounting gives you: visibility.

And sometimes, that visibility tells you the answer isn't to sell more. It's to understand your numbers better. 💙

"Sell more" is the most expensive advice you can give a business that's short on cash.When money is tight, the instinct ...
19/08/2026

"Sell more" is the most expensive advice you can give a business that's short on cash.

When money is tight, the instinct is always the same: get more sales.

Sometimes that's right. But if your cash is caught in unpaid invoices and unsold stock, more sales can make it worse — every new sale ties up more money in delivery and receivables before a single peso comes back. More revenue, same tight account, more pressure.

Before you chase more sales, chase clarity: How much of your "profit" is sitting in invoices you haven't collected? How much is frozen in stock? How long does it take for cash to come back after each sale?

Growth built on trapped cash isn't growth. It's a faster treadmill.

If you'd like expert eyes on where your cash is really going, that's exactly what we do at SSA. Comment FLOW or send me a message. 💙

Profitable… but your bank account is always empty? 📌 Save this.The money isn't gone — it's just somewhere else in your b...
17/08/2026

Profitable… but your bank account is always empty? 📌 Save this.

The money isn't gone — it's just somewhere else in your business. Swipe through for the five places cash hides, and the simple weekly habit that keeps it from surprising you.

Profit tells you if your business is earning. Cash tells you if it can keep moving. You need both.

Profitable but your bank account doesn't show it? Comment CASH and I'll DM you my free guide — Profit vs. Cash. 💙
Or grab it here: https://sarahsongalia.com/profit-vs-cash-guide/

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