Welcome to Tea on the Ledger - your go-to blog for modern business finance advice with a side of sarcasm and spreadsheets.

Run by a former Big4 accountant (yes, I survived!), this blog is here to make business way less boring and way more doable. Whether you’re freelancing, consulting, side hustling, or running a full-blown small business - this space is packed with practical tips, bookkeeping hacks, tax talk, and cash flow tricks to help you DIY your business finances like a pro.

I’m all about modernizing money management so ditch the dusty old accounting rules and get the inside scoop on how to actually run your business finances smarter, not harder. From decoding your P&L to avoiding tax-time panic, I’m spilling all the tea (with spreadsheets, not judgement).

Because your business deserves financial clarity……and you deserve content that doesn’t put you to sleep.

The Truth About LLCs: What No One Tells You About Your Money

So, you’re thinking about forming an LLC. You heard it’s the way to save on taxes, protect your personal assets, and maybe sound a little more impressive at networking events.

But here’s the thing: there’s a lot about LLC tax benefits and pitfalls that no one tells you. And if you’re not careful, your shiny new LLC could end up costing you more than it saves.

Let’s cut through the noise, bust the myths, and get real about what an LLC actually means for your money.

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Do You Need a Financial Advisor for Your Business?

Ah, the age-old question for small business owners: Should small business hire financial advisor? Or is that just another fancy title for someone who charges you a fortune to tell you what you already know—like “spend less than you make”?

Let’s break it down, with a side of laughs and a solid plan for your business….

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When to Hire a CFO (And What It’ll Cost You)

If you are running a small business, you might wonder, “Do I really need a CFO?”

You are not alone. Many business owners hesitate to bring on a Chief Financial Officer because they think it is only for big corporations. But here’s the truth - knowing when to hire a CFO for small business can be a game-changer for your growth, cash flow, and long-term success.

Let’s break down when it makes sense to hire a CFO, what they actually do, and what it might cost you.

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Should You Open a Business Savings Account? Yes…..Here’s Why

When you’re running a small business, every dollar counts. You might already have a business checking account to handle day-to-day transactions, but here’s the question:

Should you open a business savings account, too?

The answer is a resounding yes - and here’s why.

Let’s break down the benefits of business savings account setups and how they can protect your business, fuel your growth, and keep you ready for whatever comes next.

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Financial Analysis, Company Structure Riyanna Gordon-Mark Financial Analysis, Company Structure Riyanna Gordon-Mark

Can You Afford to Scale Your Business? Use This Finance Formula

Dreaming of scaling your business? Hold up - let’s make sure the numbers make sense first.

Here’s the truth: Scaling without a solid financial plan is like building a house without a blueprint. You might get lucky, but chances are, you’ll end up with a mess, and a whole lot of regret.

So before you hire, invest, or launch that new product, let’s answer the big question:

Can you afford to scale your business?

Here’s how to calculate business scalability finance - using a simple formula that any freelancer, side hustler, or small business owner can apply today.

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How to Separate Business and Personal Finances

Running a business is tough enough without the added stress of mixing personal and business finances. If you’ve ever wondered why your bookkeeping feels like a jumbled mess, or why tax season makes you want to pull your hair out - you’re not alone.

Here’s the thing: separating your business and personal finances is one of the smartest moves you can make. It’s not just about being organized (though that’s a huge bonus) - it’s about protecting your business, simplifying your taxes, and running your finances like a pro.

So, let’s break down exactly how to separate business and personal finances, step by step.

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Business Funding, Company Structure Riyanna Gordon-Mark Business Funding, Company Structure Riyanna Gordon-Mark

Should You Use Personal Funds for Business? Pros & Cons

When you’re starting or growing a business, you may find yourself reaching for your personal debit card more than you'd like to admit. But is using personal money for business expenses a smart move - or a slippery slope?

The answer depends on your goals, your legal setup, and how you manage the money trail.

In this post, we’ll explore the pros and cons of using personal funds to support your business, what it means for your taxes and legal protection, and how to do it the right way if you choose to go that route.

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