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JE Ledger
The JE Ledger Blog

Straight Answers on Your Books

Plain-English notes on bookkeeping, month-end close, and the numbers a small business owner actually has to act on. Written by Javier Echevarria.

Editorial illustration of a year-end folder on a desk holding bank statements, a contractor list and an equipment list, beside a wall calendar turned to December.

October 29, 2026

What a Miami Business Should Have Ready at Year End

Reconciled December statements first, then contractor totals, an inventory count if you keep one, an equipment list for the Miami-Dade property return and the state annual report. Each item, who needs it and when it's due.

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JE Ledger logo: gold JE initials on a black tile, beside the name in black type with a gold underline.

October 26, 2026

When a Melbourne Business's Numbers Say It Is Time to Reprice

Three numbers in the books tell a Melbourne owner whether a price rise is due: gross margin over time, how full the calendar is, and how many quotes get won.

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Editorial illustration of labelled file boxes of receipts and statements on a shelf beside an open ledger.

October 22, 2026

Receipts an Orlando Small Business Should Keep, and for How Long

Three years covers most receipts, but not all of them. What an Orlando small business should keep, for how long, and which records outlast the usual rule.

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Editorial illustration of a job folder holding receipts and a timesheet beside an open ledger on a workbench.

October 19, 2026

Working Out What a Job Really Costs a Titusville Business

The price minus the materials is not what a job made. How a Titusville business that works project to project can find the real cost of each job.

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Editorial illustration of an open ledger with grouped account columns beside a single printed page and a pencil.

October 12, 2026

Setting Up a Chart of Accounts for a New Palm Bay Business

A new Palm Bay business gets one easy chance to set its chart of accounts up right. What to split, what to merge, and where the city and county receipts go.

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Editorial illustration of a profit and loss report beside a nearly empty cash box on a desk.

October 10, 2026

Profitable but Broke: Where a Melbourne Business's Cash Actually Went

Profit and cash measure different things. Here is where the money usually goes when a Melbourne business shows a profit and the bank balance keeps falling.

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Editorial illustration of two folders on a desk, one holding a signed agreement and one holding a stack of timesheets.

October 5, 2026

Contractor or Employee: How a Miami Business Tells the Difference

The label on the agreement doesn't decide it. Control does. How the IRS and Florida each test a worker's status, and what a Miami business should keep on file.

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Editorial illustration of an open ledger beside a small stack of invoices and a bank statement on a desk.

October 1, 2026

Cash or Accrual: Which Method Fits an Orlando Small Business

Cash follows the bank. Accrual follows the work. Here is how each one changes an Orlando owner's profit figure, tax timing and monthly workload, and where city and county fees land.

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Editorial illustration of a bank statement laid beside an open ledger, with a pencil tick next to each matched line.

September 28, 2026

Bank Reconciliation: Why It Matters More Than the Balance

Your bank balance tells you what cleared. Reconciliation tells you whether your books agree with it, and what is hiding in the gap between the two.

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Editorial illustration of stacked monthly bank statements beside an open ledger on a desk.

September 24, 2026

Months Behind on Your Books? Here Is How Catch-Up Work Runs

Catch-up bookkeeping rebuilds the missing months in order, from your statements outward. Here is the sequence, the paperwork, and what slows it down.

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Editorial illustration of a monthly ledger, receipts and a simple calendar on a desk.

September 19, 2026

What a Bookkeeper Actually Does for You Each Month

The work is more than entering receipts. See what a monthly bookkeeping cycle can cover, what to ask for, and what should reach your desk.

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Editorial illustration of a simple profit and loss report beside a notebook and pen.

September 15, 2026

How to Read Your Profit and Loss Without Glazing Over

Start with the period, separate sales from costs, then ask what changed. A practical way to read the report before making a decision.

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Want the answer for your own books?

Tell Javier where your books stand and he will tell you what needs doing first. One person across the whole set, so nothing gets handed around.

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Local research

Our latest study: Okeechobee County has fewer accounting and bookkeeping offices per business than Martin, St. Lucie or Highlands counties. The method and the downloadable data sit on the same page, and every study we publish is listed under News & Research.

You Run the Business. We Handle the Books.

Tell us where your books stand today and we will walk you through what it would take to get them current and keep them that way.

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