Resources · Playbook

Set up the money right in 30 days.

Every catch-up project we've ever done started with a founder skipping this list. Thirty days of setup beats three weeks of forensic cleanup.

Week 1 — Foundations

  • Open a dedicated business bank account. Personal-account commingling is the #1 cleanup generator.
  • Complete tax registration and understand which filings apply to you (see our tax calendar).
  • Set up e-invoicing — required, and easier from day one than retrofitted.

Week 2 — Structure

  • Pick cash or accrual basis (most very small businesses start cash; switching later is possible but noisy).
  • Create a simple chart of accounts — ten to twenty categories you'll actually use, not two hundred you won't.
  • Decide your invoice template, payment terms, and where customer payments land.

Week 3 — Rhythm

  • Put every filing deadline in your calendar with prep reminders.
  • Schedule a monthly 30-minute money review with yourself. Defend it.
  • Start the receipt habit: photograph or forward every business receipt the day it happens.

Week 4 — Decide who does the books

DIY is fine at low volume if you're disciplined. The honest test: if you're more than two weeks behind by month three, outsource it — the cost of bad books compounds faster than the fee.

Prefer it done for you?

This is the work Rio does every month — book a call and hand it off.

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