https://fyscale.com/blog/Plain-English guides to bookkeeping, taxes and cash flow for US small businesses.https://fyscale.com/blog/holiday-inventory-planning-etsy/https://fyscale.com/blog/holiday-inventory-planning-etsy/Sun, 25 Oct 2026 19:00:00 -0400Holiday inventory planning for Etsy sellers: forecast demand, set safety stock, schedule production and budget materials with a worked example you can copy.https://fyscale.com/blog/small-business-expense-categories/https://fyscale.com/blog/small-business-expense-categories/Sun, 25 Oct 2026 12:30:00 -0400A practical list of small business expense categories, with examples, how they map to Schedule C, and a worked month of categorized spending.https://fyscale.com/blog/bank-reconciliation-small-business/https://fyscale.com/blog/bank-reconciliation-small-business/Sun, 25 Oct 2026 08:00:00 -0400Bank reconciliation for small business, step by step: match your books to your bank statement, fix common errors, and work through a real example.https://fyscale.com/blog/simple-crm-spreadsheet/https://fyscale.com/blog/simple-crm-spreadsheet/Sat, 24 Oct 2026 19:00:00 -0400Set up a simple CRM spreadsheet to track clients, pipeline stages and follow-ups, with the columns, dropdowns and formulas a small business actually needs.https://fyscale.com/blog/freelance-hourly-rate-calculator/https://fyscale.com/blog/freelance-hourly-rate-calculator/Sat, 24 Oct 2026 12:30:00 -0400Use this freelance hourly rate calculator method to find your minimum rate from target income, costs and billable hours, with a worked example that adds up.https://fyscale.com/blog/1099-nec-threshold-2026/https://fyscale.com/blog/1099-nec-threshold-2026/Sat, 24 Oct 2026 08:00:00 -0400The 1099-NEC threshold 2026 rises to $2,000. Learn who gets a Form 1099-NEC, which payments count, the January deadline, and how to log contractor pay.https://fyscale.com/blog/13-week-cash-flow-forecast/https://fyscale.com/blog/13-week-cash-flow-forecast/Fri, 23 Oct 2026 19:00:00 -0400Build a 13 week cash flow forecast in a spreadsheet: step-by-step setup, a worked holiday example, buffer warnings and a weekly roll-forward routine.https://fyscale.com/blog/home-office-deduction-simplified-method/https://fyscale.com/blog/home-office-deduction-simplified-method/Fri, 23 Oct 2026 12:30:00 -0400Home office deduction simplified method vs regular method: who qualifies, how each is calculated, a worked example and how to choose the bigger deduction.https://fyscale.com/blog/separate-business-and-personal-finances/https://fyscale.com/blog/separate-business-and-personal-finances/Fri, 23 Oct 2026 08:00:00 -0400Learn how to separate business and personal finances: open the right accounts, route income, pay yourself on schedule and clean up mixed transactions.https://fyscale.com/blog/etsy-fees-explained/https://fyscale.com/blog/etsy-fees-explained/Thu, 22 Oct 2026 19:00:00 -0400Etsy fees explained with real numbers: listing, transaction, payment processing and Offsite Ads fees on a sample sale, plus how to price so you profit.https://fyscale.com/blog/unpaid-invoice-follow-up-email/https://fyscale.com/blog/unpaid-invoice-follow-up-email/Thu, 22 Oct 2026 12:30:00 -0400A practical unpaid invoice follow up email sequence for freelancers and small businesses, with copy-paste templates, timing, and when to escalate.https://fyscale.com/blog/self-employment-tax/https://fyscale.com/blog/self-employment-tax/Thu, 22 Oct 2026 08:00:00 -0400Self employment tax explained simply: who owes it, how the 15.3% rate and 92.35% rule work, a worked example, and how to deduct half on your return.https://fyscale.com/blog/how-to-read-a-profit-and-loss-statement/https://fyscale.com/blog/how-to-read-a-profit-and-loss-statement/Wed, 21 Oct 2026 19:00:00 -0400Learn how to read a profit and loss statement line by line: revenue, COGS, gross profit, expenses and net profit, plus the five questions to ask every month.https://fyscale.com/blog/mileage-log-for-taxes/https://fyscale.com/blog/mileage-log-for-taxes/Wed, 21 Oct 2026 12:30:00 -0400What a mileage log for taxes must include, which trips count, the 72.5-cent 2026 IRS rate vs actual expenses and a simple routine to keep records audit-ready.https://fyscale.com/blog/how-to-price-handmade-products/https://fyscale.com/blog/how-to-price-handmade-products/Wed, 21 Oct 2026 08:00:00 -0400How to price handmade products: a simple formula for materials, labor, overhead and Etsy fees, wholesale vs retail pricing and a worked example you can copy.https://fyscale.com/blog/cash-flow-vs-profit/https://fyscale.com/blog/cash-flow-vs-profit/Tue, 20 Oct 2026 19:00:00 -0400Cash flow vs profit explained for small businesses: why they differ, five ways profitable businesses run short of cash and how to forecast cash before it runs out.https://fyscale.com/blog/how-to-create-an-invoice/https://fyscale.com/blog/how-to-create-an-invoice/Tue, 20 Oct 2026 12:30:00 -0400Learn how to create an invoice that gets paid on time: the 12 details every invoice needs, numbering, payment terms, tax and a ready-to-use checklist.https://fyscale.com/blog/quarterly-estimated-taxes-self-employed/https://fyscale.com/blog/quarterly-estimated-taxes-self-employed/Tue, 20 Oct 2026 08:00:00 -0400Quarterly estimated taxes explained for the self-employed: who must pay, 2026 due dates, safe harbor rules, how to calculate each payment and how to pay online.https://fyscale.com/blog/etsy-inventory-spreadsheet/https://fyscale.com/blog/etsy-inventory-spreadsheet/Mon, 19 Oct 2026 19:00:00 -0400Set up an Etsy inventory spreadsheet that tracks stock, materials, reorder points and profit per product, so you never oversell or run out of bestsellers.https://fyscale.com/blog/how-much-to-set-aside-for-taxes-freelancer/https://fyscale.com/blog/how-much-to-set-aside-for-taxes-freelancer/Mon, 19 Oct 2026 12:30:00 -0400How much should freelancers set aside for taxes? Learn how self-employment tax works, a simple percentage rule and a worked example for US freelancers.