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Bookkeeping Services for Growing Small Businesses in New Jersey

Accurate books are the foundation—but they’re not the finish line.

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At On The Money Bookkeeping, we provide reliable monthly bookkeeping paired with industry‑specific insight, so business owners can understand their numbers, price work correctly, and make confident decisions. We specialize in service‑based businesses with complex operations, including trades, marinas, and regulated industries.

Core Bookkeeping Services

Monthly Bookkeeping

Monthly Bookkeeping

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  • Transaction categorization

  • Bank & credit card reconciliations

  • Monthly financial statements (P&L, Balance Sheet)

  • Sales tax tracking (NJ‑aware)

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Our monthly bookkeeping keeps your books clean, consistent, and ready for tax filing, financing, or decision‑making—without scrambling at year‑end.

Cleanup & Catch‑Up Bookkeeping

  • Historical cleanups

  • QuickBooks Online diagnostics

  • Fixing prior bookkeeper issues and misclassifications

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Whether you’re months behind or your books technically reconcile but don’t make sense, we untangle the mess and get your financials back to a reliable baseline.

Payroll & Compliance Support

  • Payroll journal entries

  • Payroll reconciliation

  • Payroll processing for clients using QuickBooks Online Payroll

  • 1099 preparation & W-9 tracking

  • Liaison with payroll providers

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We support payroll end-to-end for clients using QuickBooks Online Payroll, ensuring wages, taxes, and filings are processed correctly and reflected accurately in your books.

 

For clients using other payroll providers, we handle reconciliation and coordination—without crossing into tax advisory.

Advisory & CFO‑Lite Services

(Where we add real value)

These services are ideal for business owners who want more than reports—they want insight.

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  • Job costing & labor analysis

  • Cost center & overhead allocation

  • Cash‑flow visibility

  • Management‑ready reporting

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Instead of generic reports, we help you see why numbers move, where margins leak, and how operations impact profitability.

Job Costing & Trades‑Focused Support

For contractors and trades businesses, knowing your numbers after the job is done isn’t enough.

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We help trades‑based businesses understand:

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  • True job profitability

  • Labor recovery vs billable rates

  • Material and subcontractor margin erosion

  • Overhead absorption by job or service line

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Trades‑specific support includes:

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  • Job and project cost tracking

  • Labor burden & recovery analysis

  • Overhead allocation by job, crew, or service type

  • Pricing feedback based on historical performance

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This allows trades owners to price work confidently, identify unprofitable job types, and stop relying on gut feel.

Industry Experience

We work best with businesses that have operational complexity—not cookie‑cutter needs.

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Industries we commonly support include:

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  • Marinas & Yacht Clubs

  • Contractors & Trades

  • Cannabis Operators

  • Service‑Based Businesses (beauty, wellness, rentals)

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Each industry has unique accounting challenges. Our approach adapts to how your business actually runs.

Our Approach

  • Industry‑first bookkeeping (not template‑based)

  • Clean, audit‑ready financials

  • Plain‑English explanations

  • Proactive support—not reactive cleanup

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We don’t just record transactions—we help you understand what they mean.

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Have questions about how bookkeeping works? See our answers to Common bookkeeping questions.

Not Sure What Level of Support You Need?

Whether you need monthly bookkeeping, a cleanup, or help understanding job profitability, we’ll start with a conversation.

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Schedule a free consultation to see if we’re a good fit.

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