T and T Accounting Solutions

09/09/2026

Think Like a Business Owner

The first few years of being a new real estate agent are the hardest.
One indicator that a new agent is going to make it is how quickly they start thinking like a business owner and not like an employee.
Getting your license doesn’t just qualify you for a new job. It puts you in business.

Nobody is automatically watching your expenses, planning for your taxes, measuring whether your marketing is working, or making sure you’re actually profitable.

One of the questions I like to ask agents is, “Have you ever owned a business before?”

There’s no wrong answer. I ask because recognizing that you ARE a business owner changes the way you look at almost everything else.

09/08/2026

Meet T&T Accounting Solutions

Hi, I’m Richard, owner of T&T Accounting Solutions.
I’m an accountant, and I started T&T because there’s a big difference between having your books done and actually understanding what your numbers are telling you.
That matters for real estate agents because becoming an agent means becoming a business owner. Now you have commission income, brokerage splits and fees, marketing expenses, mileage, taxes, and income that can change dramatically from month to month.
And somehow, while you’re building your real estate business, you’re also supposed to figure out all of that.
T&T focuses on helping real estate professionals keep their books straight, see where their money is going, and have better information for making business decisions.
Keeping good books is important. Understanding your numbers is better.

05/28/2026

Real Estate Agents, I could use your input.

I’ve decided to focus my bookkeeping and accounting consulting services specifically on helping Realtors, and I’m currently putting together a list of the biggest financial struggles agents deal with.

So I wanted to ask directly:

What financial or bookkeeping-related issues do you struggle with the most as a Real Estate Agent?

Or, what do you wish your accountant, CPA, or bookkeeper understood better about your business?

Examples could be:
• Commission tracking
• Taxes
• Cash flow
• Brokerage splits/caps
• Expense tracking
• Budgeting
• Planning for inconsistent income
• Understanding profitability per deal
• Keeping business and personal spending separate

I already have a working list of 7 major issues agents commonly face, but I’d love to compare it against real-world feedback and make sure I’m not missing anything important.

Appreciate any insight you’re willing to share.

01/25/2026

Last weekend I went to a local farmer’s market to hand out business cards and drum up some business. This is something I’ve been putting off for way too long. Walking up to strangers, shaking hands, and promoting myself feels a little too close to politicking for my taste. And my family has more than its fair share of small-town politicians.

Still, it ended up being pretty productive. People were friendly, glad to meet me, and a few even showed real interest.

Then one person asked me a question and I completely flubbed it.

“What’s a transaction?”

This was right after she tried to pin me down for an on-the-spot quote. I was explaining that pricing varies by client, based on transaction volume, complexity, and scope of work. Perfectly reasonable stuff.

Except I froze.

I absolutely know what a transaction is. I just haven’t had to define it out loud in… well, over twenty-five years.

A transaction is an event where value is exchanged, whether that’s goods, services, or cash.

See? Simple. Obvious. Embarrassingly basic.

The question just caught me off guard. It was too fundamental. Like asking a copywriter, “Okay, but what’s a word?”

Lesson learned. As accounting professionals, we can’t just know the work, we have to be ready to explain and teach it, all the way down to the most basic building blocks of the craft.

01/05/2026

“Am I Really Big Enough to Worry About Keeping My Books?”

This question comes up all the time, usually from business owners who are busy, stretched thin, and trying to prioritize what actually matters.

Short answer: Yes. You are.
Long answer: Especially if you’re small.

Let’s get something out of the way first. Keeping up-to-date books is not about being fancy, corporate, or “big enough.” It’s about control. And small businesses lose control faster than anyone.

“I Don’t Make Enough to Worry About That Yet”

This is the most common mindset, and it’s backwards.

When money is tight, you have less room for mistakes. If you don’t know exactly where your cash is going, you’re guessing. Guessing leads to bad decisions, and bad decisions are expensive.

Up-to-date books tell you:

How much cash you actually have available

What your real monthly expenses are

Whether you’re profitable or just busy

If you can afford to hire, invest, or expand

When you need to slow down before things get ugly

Big companies can survive bad months. Small businesses usually can’t.

Tracking Expenses Isn’t “Busy Work”

A lot of owners think expense tracking is just something accountants care about. It’s not.

Tracking expenses answers questions like:

Why does my bank balance keep dropping even though sales look good?

Which costs are creeping up quietly every month?

Am I underpricing my services?

Is this subscription/tool/vendor actually worth it?

If you don’t track expenses consistently, your business slowly leaks money. You may not notice it until the account hits zero and you’re asking, “What the hell happened?”

That’s not bad luck. That’s missing information.

Bookkeeping Is a Decision-Making Tool, Not Just a Record

Good bookkeeping isn’t about compliance alone. It’s about clarity.

When your books are current, you can:

Compare months and spot trends early

Decide when to raise prices with confidence

Plan for taxes instead of panicking at tax time

Know whether growth will help or hurt you

Stop relying on your gut when your gut is stressed and tired

Business decisions made with real numbers beat “I think we’re doing okay” every time.

Waiting Until You’re “Bigger” Costs More

Here’s the part nobody tells you.

Cleaning up months or years of neglected books costs more than maintaining them monthly. It also takes longer, delays decisions, and usually happens during a crisis, tax season, cash flow problems, or all three at once.

Staying current is cheaper, calmer, and smarter.

So When Should You Start Caring About Your Books?

If you:

Have business expenses

Accept payments

Want to grow

Want less stress

Want to sleep better

You’re already big enough.

Bookkeeping isn’t about size. It’s about visibility. The earlier you have it, the fewer surprises you’ll face later.

And surprises are almost never good for small businesses.

Contact us today for expert accounting services with T and T Accounting Solutions. Explore our solutions for your financial success!

12/09/2025

Quick five-minute cash-flow check anyone can do:

Look at your current bank balance.

List what must be paid in the next 7 days.

List what’s coming in during the next 7 days.

If outgoing exceeds incoming, it’s not a crisis, it’s a warning flare.
Most financial “emergencies” start as tiny signals people ignore.

12/05/2025

A lot of creatives price their products based on vibes.
“Feels like 20 bucks.”

You’re not selling vibes. You’re selling time, materials, overhead, and skill.

If you’re not calculating profit per product line, you’re basically gambling on your own hard work.

One of the quickest wins I give clients is showing them which items actually make money… and which ones are eating their lunch.

Looking for reliable bookkeeping and small business accounting services? T and T Accounting Solutions offers online accounting solutions for small businesses.

12/02/2025

True story from this week.

A catering company let a client rack up 162K in unpaid invoices because they “felt bad pushing them.”

By the time they asked a lawyer, most of the options were gone.
This is exactly why DIY bookkeeping gets people hurt.

It’s not about math.

It’s about tracking reality before it rolls right over you.

Looking for reliable bookkeeping and small business accounting services? T and T Accounting Solutions offers online accounting solutions for small businesses.

12/01/2025

CPAs and tax pros, if you’re locking in support ahead of busy season, here’s what I bring to the table.

I’ve spent 20 years in accounting, working across industries, systems, and workflows that have one thing in common, accuracy matters. The last four years I’ve been a certified QuickBooks Online ProAdvisor, and QBO is the only platform I work in with clients. That focus means I’m fast, I’m efficient, and I know exactly where the trouble spots like to hide.

I help small businesses get their books caught up, cleaned up, and tax-ready so you’re not stuck untangling avoidable messes in February. My work is disciplined, organized, and built around giving you clean numbers you can rely on.

I have room for a limited number of projects heading into the season.
If you want a partner who actually makes your workload lighter, reach out and we’ll see if our workflows line up.

Looking for reliable bookkeeping and small business accounting services? T and T Accounting Solutions offers online accounting solutions for small businesses.

11/28/2025

Northshore folks, I’m curious. What’s one expense this year that completely blindsided you?

Materials, shipping, utilities, insurance, whatever.

Sometimes the surprises say more about the economy than the reports do.