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Babies are rare creatures that can smile us in our most distressing moments in the World, right? Their innocence, the skin that smells even more beautiful than the World’s most exquisite perfume, and the good energy that will make you feel great. Of course, the perfection of babies and the arrival in the World as pure as an angel fascinates everyone. 

 From the moment you learn that you are expecting a baby, there is great excitement and an irresistible desire to preserve and protect it already surrounds your whole self. The love you hear of this tiny creature grows stronger from day to day, and your baby has become an enormous world for you. Check out America's Best Bookkeepers  

In addition to these, when you hear that you are going to have a baby, there are important things you need to think about. For instance, the investments you need to make or do for him, the expenses you need to prepare for your baby, the preparation of the small room of your mini, clothes, bottles, health expenditures, etc. This list is so long that you are amazed at how much this tiny creature costs so much.

To prepare for the process, you and your partner need to start with basic bookkeeping so that all can run smoothly. All new mothers and soon mothers know that having a baby is not cheap. You also cannot avoid the responsibility to make budgeting for the prospective baby. Here are some tips that can be done in preparing the type of budget when welcoming the birth of the baby.

Preparation Pre Labour

Usually, before the birth of their child, the mother and father will prepare many things in detail. Starting with preparing the room, small baby clothes, toys, and also healthy nutrition for its growth later. This preparation also requires a lot of financial preparation. Here are the preparatory qualifications needed.

Medical assistance

Before giving birth, you may have some insurance you deliberately make for future security. After you give birth, you need to see and check the state of insurance. Maybe after all this time, your coverage can be useful, especially if the insurance is in the form of health insurance. When you’ve given birth, it’s time to update your new insurance for your benefit as well as your baby.

Having a baby now costs a lot, even when you have health insurance. Labor costs should be prepared immediately after being declared pregnant. You can start by collecting information on delivery costs at several hospitals in your city. Also, it is necessary to ask clearly about the reimbursement of labor costs with insurance. Find out about reimbursement of funds and care facilities, as well as the claim and procedure needed procedures.

Pre-Paid Budget

Babies come with many costs, so understand how your income will be affected in the coming months. For that purpose, prepare a grocery list for your mother and baby needs, but adjust your budget, so set a limit on the necessary purchases and pick the most important item first, and consider buying used items to stay in control.

Plan your Post-paid Budget

Routine expenses such as diapers, formula, day-care, and supplementary meals will change your household expenses for years to come. 

Budget Equipment and Accessories

There are some essential items you need to buy before the baby is born, i.e., blankets, baby mattresses, toiletries, and other equipment, including baby carriage, baby bag, and car seat, and so on. Of course, this is tailored to your abilities. You need to control yourself and, from time to time, save some of the money you receive either a salary so that the desired needs can still be fulfilled when buying equipment.

Clothing

Children usually grow very fast. Clothing should be part of your monthly budget. 
You can get around the purchase by comparing several children’s clothing stores. Choose a store that offers discounts. But remember you also need to keep yourself from being easily tempted by every discount. Make a schedule when to buy clothes and take care to obey the rules by not buying clothes outside of the schedule you have made. 


Formulizing the Baby Food

The best way to save money is by exclusively breastfeeding in the first six months, but there are still some costs that are required when breastfeeding like breastfeeding instruments. To prepare as much as possible to buy before the birth of a baby.  After six months, your baby may also need additional foods such as formula and baby food. Consider cooking your solid food and do not depend on baby food packaging. Of course, this way is healthier because you know the quality and cleanliness of self-made food. Also, this will save the cost of baby food expenditure. 


Choose a Paediatrician inside Insurance Network

The condition of a baby body that is still vulnerable, making this fee must be included in your list of needs. The appointment of your baby’s first doctor will come in the first week of his life, so you’ll want to choose the right doctor. Talk to friends and family for recommendations, contact your local clinic and ask to interview a pediatrician before you make your choice.
Plan Baby Birth from Now

Preparing finances for a child’s future is the plan we can do as much as we can. All of this is easy to get everything right for your child in the future.

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers
Parents teach their children new life skills every day. But, when it comes to money, they often prefer not to talk about it at all. While that might seem like a wise decision at the moment, not discussing finances with your kids could rob them of future financial confidence and an understanding of critical concepts.
A 2017 Rowe Price survey showed that almost 70% of parents are hesitant to talk about money with their young ones. Also, only 23% of the kids in the study admitted that they speak to their parents about money.
For parents that think it’s too soon for their kids to know about money matters, it is not! Instead, parents would be wise to hold family meetings, with finances as the primary topic of discussion, creating awareness about how money can be earned, saved, and used. If they do, as the children age, they will have a better understanding of household and personal budgeting and financial goals. They will also be more likely to seek advice before making financial decisions and discuss financial issues openly when they arise.


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Tips to Initiate Money Discussions with Kids:

  1. Start Slow

Money is a sensitive and complex topic. Parents are smart to keep the pace of financial conversations slower with kids. Starting with an hour-long lecture about money is not what kids need. Instead, involve them in some everyday financial activities. Parents can include the kids when they shop online or take them grocery shopping. A fun and educational game is to have them keep a tally of how much is being spent.
  1. Be Honest

When it comes to discussing money, do not sugar coat things. Instead, be open and honest. While it is not necessary to go into detail, a poor financial decision by a parent can turn into a great lesson for the kids. By sharing your mistake, they learn that it’s good to discuss bad decisions with others so they can avoid them. They will also gain insight into how you would have done it differently. Such open and honest discussion helps the kids to become part of the solution.
  1. Talk about Value

Many parents are not comfortable discussing the financial figures with their kids, thinking it might stress them out. It is not necessary for the kids to know the dollars and cents of every household bill. It is essential for them to understand the value. A smart way to teach value is by using comparison. Compare several items that cost the same to give them a feel for any item’s value. Check out America's Best Bookkeepers
  1. Set Family Goals

Holding family meetings over financial matters encourages the kids to contribute to the discussion and planning. Make the process of setting and reaching goals a rewarding one. Be sure to celebrate success. If the family has managed to pay off a massive debt, the kids should know it and feel the pride that comes with reaching that goal. It’s very fun to see the kids sacrifice small pleasures to forward the family goals.
  1. Fix the Gender Money Gap

Often the son in a family has a better understanding of financial matters, which gives them an advantage over their female siblings. Empower your girls with participation in value exercises, goal setting for debt reduction and savings, and tallying their spending. Encourage the entrepreneurial spirit, for it is in the lemonade stands and lawn mowing services where they will learn about how creativity and hard work leads to opportunity. It is in the home where we begin to close the gender gap. You want your little girls to grow up to be ladies who are valued and paid equally for that value.
  1. Avoid Sharing Fears about Money

While it is smart to share strategies and challenges with the kids, it’s essential to approach these conversations without negative emotions. Keep the discussion rational and solution-focussed. Guilt, fear, and shame have no place in these conversations as these negative emotions can cause the kids to internalize the problems and feel personally responsible for the family’s financial struggles. Even if times are tough, keep financial conversations focused on improvement.

Key Learnings


To help kids understand the complexities of financial matters and dealing with money, provide them with short lessons through regular activities. Here is a list of the most important learnings that you will want to deliver. Check out America's Best Bookkeepers
  1. Delayed Gratification

An essential skill that parents should try to instill in their kids is the art of delayed gratification. Parents might think it is easier to just give in to their kids’ impatient demands. But the opposite is true. By delaying the delivery of much-desired gifts and experiences until a special day, they learn that life is not a daily expectation of new thrills and they learn to find joy in the smaller things. They are also much more grateful when they finally receive what they have been hoping for when their birthdays or vacations come around. Similarly, they can be taught about waiting to save enough money to buy something they want. Parents can teach their kids to save at present to get something better in the future. Rather, the opposite habit that destroys so many financial dreams, to pay later for something they want today. Delayed gratification may well be one of the most important lessons a child can be taught. 
  1. Wants vs. Needs

Children do not automatically know the difference between wants and needs. Talk about what types of items can be defined as needs and what qualifies as a want. Teach them that it is important to take care of necessities first, and once the needs have been met, wants and desires can be considered. Then save wants for special days. Reinforce those teachings, encouraging self-control. Even if your kid is obstinate, try not to give in to their demands at the checkout line. Doing so will take away the chance for them to learn about self-control. It also makes going grocery shopping a truly miserable experience for mom and dad.
  1. Working to Earn

The only way for kids to learn the true value of a dollar is for them to have the experience of earning one. Allowance is a great way to do this. Rather than having allowance be a stipend that parents pay without question each week, make it something to be earned. Better yet, create the opportunity for them to earn more based on the amount of work they put in. Parents should also take time to explain their jobs to their kids and help them understand how they can grow up and find work that they want to do so they can pay their household expenses and meet their own financial goals. Don’t be afraid to talk about money matters with your kids. In fact, embrace opportunities to empower your kids with financial intelligence that will serve them for a lifetime.
Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers

Kids roughly make up 40% of the total world population. That is a big number, which also means that they are a great target market for different businesses. If businesses were to take ideas from the mind of kids when starting a business, their chances of success would be high. Why is that? This is because those businesses would be fulfilling the demand of 40% of the world population. After all, kids play a vital role these days in influencing the purchase decision of their family.

 

Here we have complied a list of super business ideas from the mind of kids.

 

  • Toy store

How many kids would say that they don’t like toy stores? None. A big toy store done aesthetically is every kids dream come true. This would be a great business idea taken from the mind of kids.

 

  • Theme park

Although this business idea may seem like a hefty investment, it will all be worth it. We rarely see any theme park go out of business. Kids totally love theme parks.

 

  • Game arcade

What kid does not like playing games? No one – especially, when they can collect tickets and buy gifts for themselves using those tickets. Opening a game arcade is a great business idea – it will also be a profitable idea as most families would love to take their kids out for entertainment.

 

  • Candy store

A store that just sells candy is like heaven on earth for kids. Most kids would love to visit a store that just sells candy of all types.

 

  • Ice cream shop

Ice cream shops are quiet popular among kids. It is also a great business idea that can be really profitable. We all know that kids love ice cream when we see them run after an ice cream stuck as soon as it passes by their street.

 

  • Costume store

Kids love dressing up as their favorite superheroes, that’s what we all did too when we were young isn’t it? This is why opening a costume store for the kids will be a super hit business idea.

 

  • Junk Food store

A store that is filled with the favorite junk food and snacks of kids will be a great venture. The influx of kids who bring their family to the store will make it a popular business idea.

 

  • School Supplies Store

How many of you loved having the best funky looking school supplies just to look cool in front of your friends in school? I guess all of us did. Having a store solely dedicated to school supplies will be a lucrative business idea.

 

  • Movie Theater

Opening a theater dedicated just to playing kids all time favorite movies is a pretty unique idea. This is a great way to appeal to your target market and families would love to bring their kids there.

 

  • Kids Clothing store

Kids these days are really picky about what they wear. In fact, they no longer let their parents shop for their clothes alone, they always tag along. Opening a kids clothing store would be a great business idea.

 

It is a fact that kids nowadays play a vital role in the purchase decisions their families make, which is why we have come up with the above list of business ideas from the minds of kids. But before you start a venture make sure you make a viable business plan and ways to market it to make it successful.

 

You need to carefully pick marketing mediums that will directly link you to your target market – kids. Some of these can include – ads between a popular cartoon, show, game, etc.

 

If you have your business idea in place, and have a proper plan of executing it, there is now way your business idea will not succeed. We can also get assurance from the fact that kids play a vital role in deciding what will be purchased for them.

 

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About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.
teaching kids about money - Complete Controller

Family Finances – In the Light of Parenting

Parenting is certainly no easy feat. Throughout the journey of raising your children, you will hear extraordinary questions, from extremely silly to surprisingly technical, to which you may not have answers. Or perhaps, you will feel reluctant to answer them. There is no definite playbook instruction manual that can teach you the precise way to handle tough situations when it comes to children. Even the parenting manuals written by the smartest people in the world can never guarantee you 100% positive results. Two of the most robust conversations that give parents cold sweats are telling your kids about family finances and telling your kids about the birds and the bees. Check out America's Best Bookkeepers

Undoubtedly, both discussions have repercussions as kids don’t have the brainpower to understand them yet wholly. Being a parent, you must learn wise answers to inevitable questions to tackle difficult situations. It’s a tough job, no doubt.  However, as parents, we must establish ourselves as steady and honest mentors in our children’s lives. Plus, building a platform of reliable and effective communication with a conclusive dialogue is critically important. Your kids deserve to know the truth, but sometimes the truth needs to be watered down for their minds to wrap around it.  As a parent myself, I know how hard this can be.

Managing the Resources at Disposal

Not every family is privileged enough to have an excessive amount of finances, which means that they have to stay within a budget that they have defined each month. Along with money constraints comes natural worry and concern. And, that worry mostly revolves around managing your family and kids. Moreover, young children aren’t always capable of understanding the clear picture of family finances. Those who do understand are either older, incredibly smart or have a brilliant sense of evaluating things independently. However, it’s important to let kids be kids.  While it is okay to teach them that money does not grow on trees, they shouldn’t take on the heavy burden of worrying about money each month.

Changing Perspective

Their social environment and peers strongly influence kids. These influences often lead them to ask dicey questions that may feel uncomfortable to answer at times. For example, ‘Dad, why do we have an old car, whereas, my friend John’s Dad has a Mercedes?’, ‘Mom, why do we live in an old house?’, etc. Such questions are hard to answer as your kids have not experienced the realities of life. Perhaps they are too young to understand financial matters or money-related issues. It’s essential always to keep the lines of communication open between you and your children. You never want them to be afraid to ask you questions, even the tough ones.  When these arise, change their perspective.  Instead of comparing the differences between them and their friends’ families, encourage them to find the similarities or think about what they’re grateful for in your family.  From an early age, children can learn that things are just things and are not an accurate representation of what family means. Check out America's Best Bookkeepers

Family Finances – What and How They Should Be Told?

Most kids below the age of 5 are understandably clueless about money. It is a change in approach, attitude, and belief that has encouraged parents to let their kids know about money matters in a family. However, different parents and even child experts bear different perspectives regarding this matter. Some argue that children should never be told about how much you earn, which parent makes more, who owes money, how much you spend on different occasional activities, etc. To the extreme, some parents also believe that children should never know about family finances or anything else regarding family earnings and spending at all.  Ultimately, of course, it is up to you how you handle the money talk.

There are times when families may find themselves stuck amid financial crises, which may disrupt their regular monthly budget. In certain situations, it is better to share hardships with your kids to understand why things may look a little different from time to time.

The Younger Ones

Younger children, between the ages of 2-4, don’t have the brainpower to understand things well. To them, money talks may sound like Chinese.  Therefore, attempting to share any financial information with them would yield no significant impact, no matter how hard you try. Child psychologists from around the globe recommend not sharing family finances or anything relating to money to children of such a young age because it is unhealthy for their brains. Check out America's Best Bookkeepers

The Older Ones

When kids get older, they understand things more thoroughly. This understanding means that you can breathe a sigh of relief and share money-related issues with your family, especially the older kids. Older kids have the brain capacity to evaluate and understand things, which means they will better understand whether they can afford to buy a certain thing. As a parent, you need to teach your kids how to make optimal use of scarce resources to know the significance of money and savings. Sharing may be called caring, but when it comes to family finances, it should be shared with kids when the age is right—not before that!

Conclusion

Family finances are often kept private by parents because they don’t want their children to feel specific money-related pressures from an early age. However, as soon as kids grow older, they need to be told about finances to begin to understand the value and worth of hard-earned money.

 

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers
teach kids money management - Complete Controller

Personal financial management is a concept of great impact which helps an individual gain insight into their expenses while also looking at savings. As financial management is of high importance, it helps to be taught in childhood. Things learned at an early age become a habit, which then proves to be fruitful in many areas of life. Software is available for the tracking of personal finances, and kids these days are technologically advanced. Similarly, kids can be taught personal financial management through easy techniques; few of which are mentioned below: Check out America's Best Bookkeepers

  • Make them familiar with cash

Young children probably don’t know much about how credit cards work. Therefore, to tell them about financial perspectives at the initial level, it is necessary to make them familiar with cash and then spending money regularly through buying and purchasing of goods.

  • Give them a Piggy Bank

To teach children about personal financial management, savings must be introduced as they play a vital role at the time of crises and crucial circumstances.  For instance, parents can provide children with small piggy banks where they should be taught to put their savings. Find a penny in their pocket?  It can go in the piggy bank.  Eventually, as a parent, you can show them the value of savings.  Once they reach a certain amount, allow them to see how beneficial that can be by allowing them to get something they need or want. Check out America's Best Bookkeepers

  • Play games related to business making

Children can be encouraged to play games, such as monopoly, where they learn how to spend per their needs and requirements and also how to keep an optimal amount for future use. Children, since birth, tend to observe and highlight important events. Therefore they must be taught how to utilize or reinvest their savings to obtain something more fruitful and profitable.  Knowing and observing this helps the child throughout his or her life.

  • Teach children about working hard

Children must know the value of hard work. They must be taught that money does not, unfortunately, fall from trees and that people strive hard to earn each single penny. Learning this early allows them to see the importance of money and the actual use of money. Children are keen observers. Therefore, parents must be conscious while spending money in front of their children as they grasp all key concepts that are regular activities. Parents can tell children to work hard to acquire a specific amount of money by providing them small tasks at home. For instance, parents can ask children to clean their room after playing for which they will be provided with 10 cents or any other particular amount; this would eventually allow them to see that working hard does have its rewards. Check out America's Best Bookkeepers

Final Note

Budgeting is an important part of dealing with financial operations in a household.  Children can understand the concept of personal financial management.  Bookkeeping is an important aspect of budgeting which refers to the record-keeping of all transaction which has taken place in a household.  Start simple so that they can learn to track their expenses.  A child, from the beginning, can learn how the ins and outs of financial management can provide a smooth, prosperous, and better future.

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers
happy kids save - Complete Controller

Remember how hard entering the real world is as an adult? Actively teach your kids skills you wish someone had shown you, will make life a little easier from the start. One of the most essential skills to teach is how to spend money and, more importantly, how to save it.

So this is growing up! Check out America's Best Bookkeepers

The transition from kid to adult hits you like a ton of bricks. Everyone can remember when they left the nest. Trying to shuffle through the information our parents taught us through the years. Then we try to put the advice to use. We can also remember all the times we tried something new and wondered, why had no one taught about this in school?  Talking to your kids about life and money matters now will help prepare them for the future. They might roll their eyes, but they won’t forget these lessons. Always lead by example, remember your kids will watch your behavior and are sure to mimic it. Explain to your kids the decisions you are making and practice good spending habits when possible, and when not possible, remind them to do as you say not as you do. Check out America's Best Bookkeepers

Find a penny pick it up.

The information you pass on to your children will be invaluable to them. You don’t have to sit them down and lecture, but when the opportunity presents itself, recognize it so you can give them advice or explain what you do. For example, when you go to the bank, this is an excellent opportunity to explain saving and checking accounts. Explain the difference to them, even allow them to set up an account of their own. This is an easy and fun way to show your kids where they can keep their money. This also opens up the opportunity to explain interest and the benefits of different banking styles, such as big banks vs. credit unions.

Another great opportunity to talk to your kids is when they reach the age, they can get a part-time job, encourage your kids to work when they have the time. They will have the rest of their lives to work. Use the opportunity for them to take small expenses off your hands like luxuries, going to the movies, or buying a new pair of headphones. Two weeks after they start working, they will have a paycheck, that checking account is useful now! Take time to show them the different fields on a check stub, hours, wage, total income, and taxes. This will help them to see that you don’t get every penny you earn in your pocket. Check out America's Best Bookkeepers

This is also a great opportunity to explain the importance of saving. Make sure you give them some advice on saving, help them find a goal to save for, and get them started saving towards it. This part-time income can also be a great way to introduce tax preparation. Whether they can file for themselves or you can still claim them on your taxes, they can take part in the tax filing process. Show your kids where they can go to do their taxes, explain they have to do it every year, and the consequences of not doing it. Monkey see monkey do

While talking to your kids about money is important, most of their habits are going to be formed from watching you. It’s a fact that when you have kids, you are always being watched. Your kids will notice when you make thrifty decisions, like when you drive a block out of your way to fill your gas tank to save ten cents per gallon. Or when you buy treats at the grocery store if they are on sale. They will also notice if you justify large shopping sprees with “the price we pay for beauty” or if you always go out to eat over making food at home. Practicing restraint is good for your wallet, and you are also teaching your kids a valuable lesson. Don’t be afraid to point out when you know your spending habits are excessive but you can afford it because your budget and save your money to splurge a little, every purchase can be a learning experience for your kids.

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers