Resources

Free articles on tax, bookkeeping, and QuickBooks.

Plain-English explainers written by an Enrolled Agent. New articles publish regularly. Subscribe to the newsletter if you want to know when something useful goes up.

Free guide

7 QuickBooks mistakes that cost new contractors $10k+ their first year.

The most common — and most expensive — bookkeeping errors I see when contractors come for help after a year of doing it themselves. Plus the fix for each one — with every figure current for the 2026 rules.

Download the guide — free PDF

11 pages · Updated June 2026 · No email required. More templates below.

Free downloads

Templates and checklists. No email required.

The documents an accountant would normally build for you — free, current for the 2026 rules, and built by an EA who reads the returns they feed.

PDF guide · 11 pages

7 QuickBooks Mistakes That Cost New Contractors $10k+

The seven most expensive bookkeeping errors I see, the real cost of each, and the exact fix — updated for the One Big Beautiful Bill Act changes.

Excel template

Contractor Chart of Accounts

40+ accounts mapped line-by-line to Schedule C and Form 1120-S, with COGS structured for per-job margins. Import instructions included.

Excel tracker

W-9 & 1099 Tracker — 2026

Track every sub’s W-9, payments by quarter, and let the formulas flag who needs a 1099-NEC under the new $2,000 threshold. Counts your missing W-9s for you.

Excel worksheet

Job Costing & Margin Worksheet

One row per job: contract price, change orders, six cost buckets, and automatic gross profit and margin. Know which jobs make money before you bid the next one.

PDF checklist

Year-End Books Checklist — 2026

Everything your QuickBooks file needs before it goes to a preparer, from reconciliations to the Solo 401(k) deadline. A clean handoff is a cheaper tax bill.

PDF reference

Contractor Tax Calendar 2026–27

Every federal deadline from June 2026 through April 2027 — estimates, 1099s, S-Corp dates — with weekend shifts already applied. Pin it up in the shop.

For every small business

The fundamentals, whatever you sell.

Tax and bookkeeping explainers that apply to any self-employed person or small business — freelancers, consultants, shops, and trades alike.

Home OfficeDeductions · 8 min readThe home office deduction in 2026: who qualifies and which method winsTwo tests, two methods, one persistent audit myth. The calculation most people get wrong — and the renters who leave money on the table.Read the article →RetirementTax Planning · 9 min readSEP-IRA vs Solo 401(k): the self-employed retirement choice (2026 limits)Both shelter up to $72,000. At most incomes one shelters twice as much — and the deadline rules are exact opposites.Read the article →Bookkeeping BasicsFundamentals · 8 min readBookkeeping basics: how to set up books for any small businessFive parts, one weekly habit, no heroics. The system that keeps any business out of trouble with the IRS.Read the article →S-Corp CalculatorFree tool · InteractiveS-Corp savings calculator: the real math (2026)Slide your profit and salary, see the actual employment-tax savings — with the costs and caveats the slogans leave out.Open the calculator →Quarterly TaxesTax Basics · 8 min readEstimated taxes for freelancers: the safe harbor that makes penalties impossibleFour dates, one formula off last year’s return, and the December withholding trick that can rescue a blown year.Read the article →LLC or Not?Business Structure · 7 min readLLC vs sole proprietorship: what an LLC actually does (and doesn’t)It doesn’t lower your taxes. It does protect your house — if you maintain it. The version with nothing to sell you.Read the article →

Contractor deep dives

For contractors and the trades.

The deepest coverage on the site — written for general contractors, electrical, plumbing, HVAC, and roofing businesses.

QuickBooks for Contractors
QuickBooks · 10 min read

How to set up QuickBooks Online for a general contracting business

The exact setup an EA wants to see for the tax return: chart of accounts, bank rules, job costing, receipt workflow.

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S-Corp vs LLC
Business Structure · 12 min read

S-Corp vs LLC for contractors: when each one makes sense

Real math on when S-Corp election starts saving real money in self-employment tax, and when it’s premature.

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Job Costing
QuickBooks · 11 min read

Job costing in QuickBooks Online: a contractor’s complete guide

Set up QBO to track profit by job, not just by month. Know which jobs make money and which lose it — in real time.

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1099 vs W-2
Workforce · 9 min read

1099 vs W-2: how contractors should classify their workers

Misclassification is one of the most expensive mistakes a contractor can make. The IRS 20-factor test, explained plainly.

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Vehicle Deductions
Deductions · 9 min read

Vehicle deductions for contractors: mileage vs actual method

Two legal methods. They aren’t equivalent. Which one saves the most depends on your truck, your miles, and a one-time decision.

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Equipment Depreciation
Deductions · 10 min read

Section 179 vs bonus depreciation for contractor equipment

Both let you write off equipment faster than regular depreciation. They work differently and one is usually better.

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Quarterly Taxes
Tax Planning · 9 min read

Estimated quarterly tax payments for contractors

Skip them and the IRS adds underpayment penalties. Pay too much and you’ve loaned the IRS money. Here’s how to size them right.

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Audit Triggers
Audit Prep · 10 min read

IRS audit triggers for construction businesses

Construction is on the IRS high-audit-risk list. Here’s what specifically gets flagged and how to keep your return out of that pile.

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Reading Your P&L
Financial Reports · 8 min read

How to read your contractor P&L: what the numbers actually mean

The profit and loss statement isn’t just a tax document. Read correctly, it tells you which jobs to take, which to walk from.

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Sales Tax
Compliance · 9 min read

When does a contractor need to charge sales tax?

Construction sales tax rules vary by state and by service type. Getting this wrong is a slow-motion accounting disaster.

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New articles, every other week.

Tax law moves. QuickBooks changes. The way contractors structure their business keeps evolving. The newsletter is how I tell you about anything that matters.