M & N Financial Services LLC.

11/04/2026

Is your small business really profitable — or are you guessing? Discover the 5 signs it’s time to hire a bookkeeper in our latest post. Avoid painful tax surprises, missed deductions, and lost loan opportunities by getting your books in order now. Read more: https://wix.to/LL1yamh

Most small business owners do not hire a bookkeeper too early. They hire one too late, usually right after a painful tax bill, a missed deduction, or a loan application that went nowhere because the numbers did not exist.Bookkeeping is how you know whether your business is actually making money, wha...

11/04/2026

Bookkeeping Wednesday: Your chart of accounts should help you, not confuse you. If you have 60 categories, you do not have a system, you have a junk drawer. Keep it simple:
1. Aim for about 15 to 20 categories that match how you actually spend.
2. Give every category a plain name you will recognize in six months.
3. Put anything unclear in one "ask me" spot, then sort it at month end, not in March.
That is what my monthly bookkeeping does for you, starting at $250/mo for up to 75 transactions. And if your full 2026 needs a reset, my Year-End Cleanup Special is $400 flat, with signups closing Dec 10. Secure. Grow. Prosper. Ready to hand off the books?

https://calendly.com/dkissy-bristow-mnfinancialservice/new-client-consultation

11/03/2026

Tax Tip Tuesday: Before year end, give your business money its own home. Mixing business and personal spending in one account makes tax time harder than it needs to be. Three moves this week:
1. Use a separate business account and card for business income and spending.
2. Stop paying business bills from a personal card, and personal bills from the business account.
3. Note what each transfer is for, while you still remember it.
Clean separation makes deductions easier to support and your books easier to trust. Secure. Grow. Prosper. Need help untangling your 2026 records?

https://calendly.com/dkissy-bristow-mnfinancialservice/new-client-consultation

11/03/2026

Today is Election Day. Your voice matters, and your vote counts. If you have not voted yet, make a plan to get to the polls today, and check your local polling place and hours before you go. Secure. Grow. Prosper.

11/02/2026

Motivation Monday: A business should fund your life, not swallow it. I built M and N for a reason: to serve clients well and still have room for family, rest, and the life I am building at home. If your business only works when you never stop, that is not success, that is a warning sign. Build systems, set boundaries, and ask for help with the parts that drain you. That is how a business lasts. Secure. Grow. Prosper. Building a business that leaves room for life? Let us talk:

https://calendly.com/dkissy-bristow-mnfinancialservice/new-client-consultation

11/01/2026

Sunday Reset: A new month is a clean page. Three small moves today:

1. Close October. Reconcile your accounts and file any loose receipts.
2. Pick ONE money goal for November. Just one, like catching up on categorizing or saving for a bill you know is coming.
3. Review your subscriptions. Cancel the one you forgot you had.
Small resets, done monthly, are how tax season gets boring in the best way.

Secure. Grow. Prosper.

Want to start November organized?

https://calendly.com/dkissy-bristow-mnfinancialservice/new-client-consultation

10/31/2026

🎃 Happy Halloween from M & N Financial Services! Wishing you a safe, fun night full of treats, good company, and zero scares. Secure. Grow. Prosper.

10/31/2026

Spotlight Saturday: 2027 filing season booking is open, and my tax prep prices are held exactly where they were. No increase. Why book early?
1. We get your documents organized now, not in a March panic.
2. You will know your withholding and estimated payments are on track before year end.
3. You lock in your spot before filing season books fill.
Individual and business returns, with clear upfront package pricing, so you know the cost before we start. Secure. Grow. Prosper. Ready when you are?

https://calendly.com/dkissy-bristow-mnfinancialservice/new-client-consultation

10/30/2026

Small Business Friday: Hiring your first employee is exciting, and it costs more than the paycheck. Three costs owners miss:
1. The employer share of Social Security and Medicare.
2. Unemployment taxes.
3. The admin itself: deposits, filings, and year end W-2s.
That is also where mistakes happen, like misclassifying an employee as a contractor or missing a deposit deadline. My payroll service, powered by Gusto, starts at $125/mo plus $10 per employee for 1 to 10 employees. You pay Gusto directly. No HR advice or benefits administration, just clean payroll done right. Secure. Grow. Prosper. Thinking about your first hire?

https://calendly.com/dkissy-bristow-mnfinancialservice/new-client-consultation

10/29/2026

Q&A Thursday: "Can I deduct my driving?" Sometimes, and the log is everything. For 2026, the IRS business mileage rate is 72.5 cents per mile from January through June, then 76 cents per mile from July through December. Three rules to know:
1. Keep a contemporaneous log with date, destination, business purpose, and miles.
2. Commuting to your regular workplace generally does not count. Trips to clients, meetings, and temporary workplaces can.
3. Parking fees and tolls are separately deductible either way.
A log that stops in June is almost as bad as no log at all. Secure. Grow. Prosper. Questions about your business driving?

https://calendly.com/dkissy-bristow-mnfinancialservice/new-client-consultation