Bookkeeping for Small Businesses That Need Things Done Right
On The Money Bookkeeping provides professional bookkeeping services for small businesses in Toms River, NJ and throughout Ocean County.
We work with service-based businesses, skilled trades such as plumbers, electricians, landscapers, and HVAC companies, as well as locally owned marinas and marine-related businesses that need accurate, well-organized financial records without the burden of managing everything themselves.
If you want dependable bookkeeping, clear financial reporting, and consistent support month after month, you’re in the right place.
More Than Just
Data Entry
Bookkeeping isn’t just about putting numbers into the right boxes. When your books are done properly, they become a roadmap — showing where your business stands today and helping you make informed decisions about what comes next.
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We take a practical, advisory-minded approach to bookkeeping, focused on clarity, organization, and insight. That means your financial reports aren’t just accurate — they’re useful.
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Our work supports better decisions by helping you:
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Understand cash flow and profitability
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Track expenses and performance over time
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See what’s working — and what needs attention
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Reduce surprises and manage risk proactively
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The goal isn’t more reports — it’s better decisions.
Is Our Bookkeeping a Good Fit?
Our services are a good fit for businesses that:
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Want accurate, dependable financial records
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Value consistency and clear communication
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Need help staying organized month after month
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Prefer proactive support instead of last-minute cleanup
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If you’re looking for bare-minimum bookkeeping or a one-size-fits-all solution, we may not be the right fit — and that’s okay.
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We work best with business owners who want clarity, consistency, and a proactive approach to their finances.
Our Bookkeeping Services
We offer flexible bookkeeping support based on where your business is now — and where it’s headed.
Monthly Bookkeeping
Ongoing categorization, reconciliations, and financial reporting
Catch-Up & Cleanup
Bringing overdue or disorganized books up to date
Sales Tax & Payroll Support
Accurate tracking to keep your books aligned
Accounts Receivable & Payable
Visibility into invoices, bills, and cash flow
Inventory & Service-Based Tracking
Support for businesses with variable activity
Local Bookkeeping Support in Toms River & Ocean County
We proudly serve small businesses in Toms River, NJ and across Ocean County. As a local bookkeeping firm, we understand the realities of running a business here — from seasonal fluctuations to industry-specific challenges.
Our goal is to provide bookkeeping support that’s accurate, dependable, and easy to work with — so you can focus on running your business.
Client Feedback
“Amazing experience. Friendly and personable. Attention to detail is only outmatched by her knowledge. Thank you for an outstanding job.”
Joe the Green Dude, Small Business Owner
"Debra is truly a great partner. Our small business had relied on shoebox level accounting methods for an extended period, and Debra has significantly assisted us in organizing our operations, guiding us towards sustainable and consistent growth. Additionally, collaborating with her has been an enjoyable experience. She is proactive, adaptable, and focused on solutions. Rather than merely fulfilling the role of an owner, she embodies the qualities of a partner and a friend. She has successfully enhanced our capabilities while being smart and fun to have around."
Heather Hogan, Small Business Owner
We've been using Debra at On The Money after having a terrible experience with another bookkeeper. After cleaning up the mess that was left behind, she has been excellent! When we started this business, another small business owner told me "You bookkeeper should be annoying" While I can't say she's annoying, she in contact with us constantly keeping everything updated and making sure we are able to stay in business. I can't say enough positive things about the experience we've had with her, and we will happily continue using her as we grow as a business.
Scott Sleckman, Small Business Owner
We brought Deb in during a challenging transition. We had gone several months without the support of a bookkeeper, and because our previous one had dropped the ball, there were many issues I couldn’t resolve without proper guidance. Deb stepped in immediately, helped us sort through everything, and even closed out the prior year within her first week of taking us on as a client. On top of that, Deb completed a full analysis of our business and clearly laid out several ways we could improve our operations. Her insights were thoughtful, practical, and extremely valuable. She is personable, friendly, and incredibly easy to work with. Her communication is excellent, and she always takes the time to explain things clearly. Even though the marina industry was new to her, she learned quickly and has shown a genuine interest in continuing to grow in this field. We are extremely grateful for her professionalism, efficiency, and dedication. Highly recommend Deb to anyone looking for a reliable and knowledgeable bookkeeper!
Cailin Walters, Marina Owner