DIY Bookkeeping Stunts Your Growth

How hard is it to keep cash flowing through your business? Would you believe that well over half of small businesses cite cash flow problems as a factor in their failure? Many new business startups fail in their first year mainly because they made huge errors with their basic bookkeeping. This mainly came down to them being inexperienced and attempting to take care of the books themselves.

The DIY approach to bookkeeping is a huge detriment to your business growth, but you may not realise it until it is too late.


When you are a small business owner you have to take on board a lot of jobs yourself to keep things growing. It makes perfect sense to save money whilst you start. However, having those responsibilities means that somewhere in the process you are procrastinating, and the one area that gets pushed aside and forgotten about is the financial matters of the business.

Soon enough, those stacks of paperwork, receipts, invoices and others have piled up to the point it will now take forever to sort out and organise – and then the irregularities such as non-updated books, late filings, payroll errors and no supporting information for receipts begin to engulf you to the point that you begin to wish you never started the business.

You soon discover that this is the very least of your problems too.

Zero Expertise

Now you see it all, you have to handle it all – and this is where you suddenly realise you have no expertise for this level of workload. You are not Quickbooks certified or any level of bookkeeping expert, and quite possibly you have no idea about the latest tax updates.

Now everything you try and do could result in a more costly error, and your basic accounting skills make you feel like you have brought a toothpick to a knife fight. Time may now be against you also, as you try and wade through the papers to find more and more being placed on your desk to handle.

Can you get all of this done in time for the tax deadline and still spend time with your company?

Lack of Time

Small business owners take on the DIY bookkeeping route because they feel, like other initial areas, it can be a cost-effective move. The reality is that DIY bookkeeping is more costly in the long run and leaves you open to tax issues, hefty penalties and problems with your cash flow.

Contact the team at Pebbles Bookkeeping today for bookkeeping services and for small business bookkeeping solutions that help to keep you exactly where you should be and grow as a result.

Don't just take our word for it...

Steve Tanswell, Manchester Facades

I changed book-keepers around a year ago because of a disagreement.  I employed Diane of Pebbles and having been with the same firm for 10 years, I was amazed by how easy working with Diane was.  Not only did the change save me money but also saved me time.  Utilising new technologies (to me) have massively improved the amount of money I can claim back in VAT and has made the whole process speedier and well as easier.  Even when Diane is chasing me for information she does in a friendly professional manner.  I’m thrilled to be working with her and would recommend her to anyone.

Wayne Dinning, Managing Director, SD Waste Paper Limited

Diane has been providing her services to my company for approximately 6 months now and I can honestly say that due to her assistance, my company is running a lot more smoothly than it has at any time over the previous 30 years that it has existed.

I would just like to say that I would recommend her services to any business, whatever the size, as I can only see that her services would be beneficial to any company that may choose to employ her services.

James Balderstone, Lucid Networks

Pebbles Bookkeeping took over our bookkeeping when a full-time member of staff left the business.  Our accounts are relatively complex for a business our size because of the number of different suppliers and products we deal with, but Pebbles were able to get quickly up to speed.  We have significantly reduced our costs spent on bookkeeping activity as a result. They have also helped us move to a new accounting system (Xero), which we are already seeing the benefit of, and we’re looking forward to working with Pebbles in the future to automate more of our back-office processes.

Sam Phillips, Sam Phillips Builders

“Sean and the team at Pebbles provide bookkeeping services and do everything from processing invoices to payroll and then final accounts to trial balance.  They have put processes and systems in place that have helped the company track our projects and see if they are profitable and to help us generate better profitability and cash flow.  I highly recommend Pebbles Bookkeeping and often pass their details onto my contacts.”

TecCre8 Ltd

“We began to relinquish our bookkeeping tasks to Pebbles Bookkeeping in September 2020, following our meeting with Diane Huxley to discuss our requirements. We signed up with Diane immediately. We have all built a quick rapport with Diane and it’s good to know that we have her support and expertise at the other end of the phone.

Pebbles Bookkeeping is a perfect fit for our company and liaises seamlessly with our accountant. It is our pleasure to work alongside them.”