https://www.spreaker.com/podcast/make-your-numbers-makes-cents--3522216
The numbers aren't the problem. They're the scoreboard, and the game was already played by the time you're reading them. What decides whether your business makes money — and whether it's worth anything the day you go to sell it — is the financial system underneath it. The one you were never taught to build.

Make Your Numbers Make Cents is about building that system on purpose. Every episode takes something that's quietly costing you — pricing, cash flow, a 1099 mess, a leak you didn't know was there — and traces it back to the decision underneath, so you fix the cause instead of mopping up the effect month after month.

No jargon. No lectures. No pretending this is harder than it is. Just the financial thinking the big players have always had — and the rest of us were left to figure out on our own.

Hosted by Julie Bonner. More at coeurbridge.com.]]>enBusinessCopyright Julie Bonnerhttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/4569e91d49c6be1c0032d4178684da7d.jpghttps://www.spreaker.com/podcast/make-your-numbers-makes-cents--3522216Sat, 27 Jun 2026 20:25:13 +0000Julie BonnerJulie Bonnerjulie@coeurbridge.comYou had the business idea. You created the business. And somewhere along the way the money stopped making sense — leaking out where you can't see it, a profitable year that left nothing in the bank, a tax bill that came out of nowhere. The numbers...
The numbers aren't the problem. They're the scoreboard, and the game was already played by the time you're reading them. What decides whether your business makes money — and whether it's worth anything the day you go to sell it — is the financial system underneath it. The one you were never taught to build.

Make Your Numbers Make Cents is about building that system on purpose. Every episode takes something that's quietly costing you — pricing, cash flow, a 1099 mess, a leak you didn't know was there — and traces it back to the decision underneath, so you fix the cause instead of mopping up the effect month after month.

No jargon. No lectures. No pretending this is harder than it is. Just the financial thinking the big players have always had — and the rest of us were left to figure out on our own.

Hosted by Julie Bonner. More at coeurbridge.com.]]>falseepisodichttps://www.spreaker.com/episode/the-myth-that-match-prevents-your-financial-intelligence--72719628
Meet with a bookkeeper: www.calendly.com/coeurbridge

Obtain your full copy of the book, OWN YOUR NUMBERS, on Amazon

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/72719628Sat, 27 Jun 2026 20:24:56 +0000Julie BonnerFor some reason, many people believe that math prevents them from being financially intelligent. Math is NOT the issue. Bookkeeping is a logical system, and you have to understand what you are looking at, and that is how a bookkeeper can help you make...
Meet with a bookkeeper: www.calendly.com/coeurbridge

Obtain your full copy of the book, OWN YOUR NUMBERS, on Amazon

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>436bookkeeping,business,businessowner,entrepreneur,financialconfidence,financialeducation,mathinbooks,smallbusiness,startupfalsefullhttps://www.spreaker.com/episode/how-to-make-a-one-page-business-handout-for-clients-referral-partners--68340330
Need our assistance? https://calendly.com/coeurbridge

Grab Your Editable Handout: https://coeurbridge.com/wp-content/uploads/2025/10/Coeurbridge-LLC-One-Pager.docx

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/68340330Wed, 29 Oct 2025 21:29:21 +0000Julie BonnerWhen a new client or a referral partner asks what you do, do you have a clean answer ready to send? This episode walks through the one-page handout I use for my own bookkeeping business — who we are, how we got started, and the ways we help. Mine is a...
Need our assistance? https://calendly.com/coeurbridge

Grab Your Editable Handout: https://coeurbridge.com/wp-content/uploads/2025/10/Coeurbridge-LLC-One-Pager.docx

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>681bookkeeping,business,clients,entrepreneur,handout,marketing,referrals,smallbusiness,templatefalsefullhttps://www.spreaker.com/episode/how-to-get-steady-clients-through-referral-partners--68340128
Be sure to update your documents!
Budget/Cash Flow: https://coeurbridge.com/wp-content/uploads/2025/09/Sample-Cash-Flow-Forecast.xlsx

Business Plan: https://coeurbridge.com/wp-content/uploads/2025/09/SCORE-Startup-Business-Plan-Template.docx

Need our assistance? https://calendly.com/coeurbridge

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/68340128Wed, 29 Oct 2025 21:18:55 +0000Julie BonnerThe cheapest, most reliable marketing for a service business isn't ads — it's people who send you clients. This is how you build a steady stream of them, on purpose. Start with your natural referral partners: people who already work with your ideal...
Be sure to update your documents!
Budget/Cash Flow: https://coeurbridge.com/wp-content/uploads/2025/09/Sample-Cash-Flow-Forecast.xlsx

Business Plan: https://coeurbridge.com/wp-content/uploads/2025/09/SCORE-Startup-Business-Plan-Template.docx

Need our assistance? https://calendly.com/coeurbridge

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>859bookkeeping,clients,entrepreneur,marketing,networking,referralpartners,referrals,smallbusiness,wordofmouthfalsefullhttps://www.spreaker.com/episode/how-to-find-your-first-clients-marketing-basics-for-a-new-business--68339785
Cash Flow: https://coeurbridge.com/wp-content/uploads/2025/09/Sample-Cash-Flow-Forecast.xlsx

Business Plan: https://coeurbridge.com/wp-content/uploads/2025/09/SCORE-Startup-Business-Plan-Template.docx

Do you need bookkeeping help? https://calendly.com/coeurbridge

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/68339785Wed, 29 Oct 2025 20:31:17 +0000Julie BonnerThe most daunting part of starting a business isn't the idea — it's finding the first client. This is the overview: where your people actually are, and how to reach them. It depends on what you're building. A retail shop has foot traffic; a virtual...
Cash Flow: https://coeurbridge.com/wp-content/uploads/2025/09/Sample-Cash-Flow-Forecast.xlsx

Business Plan: https://coeurbridge.com/wp-content/uploads/2025/09/SCORE-Startup-Business-Plan-Template.docx

Do you need bookkeeping help? https://calendly.com/coeurbridge

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>1254bookkeeping,business,clients,entrepreneur,marketing,networking,referrals,smallbusiness,startup,wordofmouthfalsefullhttps://www.spreaker.com/episode/how-to-get-an-ein-for-your-business--68171180
Snail Mail Fillable PDF: https://www.irs.gov/pub/irs-pdf/fss4.pdf 

Applying online: https://www.irs.gov/businesses/small-businesses-self-employed/get-an-employer-identification-number

Do you need an EIN: https://www.irs.gov/businesses/employer-identification-number#whoneedsanein Need help doing this for your business?

Find a local bookkeeper or use our service: https://calendly.com/coeurbridge

If you prefer to learn by video: https://youtu.be/dOxmvkiww1k

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/68171180Thu, 16 Oct 2025 22:58:45 +0000Julie BonnerGetting a federal EIN — your employer identification number — is one of the first setup steps, and it's free straight from the IRS. The real question most new owners have is just whether they need one, and how to do it without paying a service to do...
Snail Mail Fillable PDF: https://www.irs.gov/pub/irs-pdf/fss4.pdf 

Applying online: https://www.irs.gov/businesses/small-businesses-self-employed/get-an-employer-identification-number

Do you need an EIN: https://www.irs.gov/businesses/employer-identification-number#whoneedsanein Need help doing this for your business?

Find a local bookkeeper or use our service: https://calendly.com/coeurbridge

If you prefer to learn by video: https://youtu.be/dOxmvkiww1k

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>379bookkeeping,business,ein,entrepreneur,irs,llc,smallbusiness,soleproprietor,ss4,startupfalsefullhttps://www.spreaker.com/episode/how-to-register-your-business-with-the-secretary-of-state--68170805
If you need assistance, book time here: calendly.com/coeurbridge

Video of this podcast episode: https://youtu.be/g68xkyNmAS0

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/68170805Thu, 16 Oct 2025 22:39:04 +0000Julie BonnerTo start a business in Washington State, you will reserve your business name with the Secretary of State. For those of you starting a business in another state, Google your Secretary of State site. Likely, the process will be similar. Otherwise,...
If you need assistance, book time here: calendly.com/coeurbridge

Video of this podcast episode: https://youtu.be/g68xkyNmAS0

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>495falsefullhttps://www.spreaker.com/episode/estimated-taxes-for-llcs-s-corps-and-sole-proprietors--68085663
Need to speak to a bookkeeper? https://www.calendly.com/coeurbridge

Want to see the video instead? https://youtu.be/5oZWqQCqFmg

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/68085663Fri, 10 Oct 2025 02:48:14 +0000Julie BonnerIf you run an LLC, an S-corp, or you're a sole proprietor, the IRS wants its share as you earn it — not in one lump in April. Wait until then to catch up and they'll penalize you anyway. So you pay quarterly, in estimates. Here's the rough method....
Need to speak to a bookkeeper? https://www.calendly.com/coeurbridge

Want to see the video instead? https://youtu.be/5oZWqQCqFmg

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>453bookkeeping,business,entrepreneur,estimatedtaxes,irs,llc,quarterlytaxes,scorp,smallbusiness,taxesfalsefullhttps://www.spreaker.com/episode/choosing-a-legal-structure-for-your-business-llc-sole-prop-more--68016823
Do you learn better on video? https://youtu.be/nNkfg2SeSK0

Cash Flow Forecast Download: https://coeurbridge.com/wp-content/uploads/2025/09/Sample-Cash-Flow-Forecast.xlsx

Business Plan Template Download: https://coeurbridge.com/wp-content/uploads/2025/09/SCORE-Startup-Business-Plan-Template.docx

Need bookkeeping help with starting your business? calendly.com/coeurbridge

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/68016823Sun, 05 Oct 2025 02:25:22 +0000Julie BonnerWhen starting a business, which legal form of business should you choose? You can always change this choice, so listen today and use this as a jumping-off point for making this initial decision about your own business. This is not legal advice; for...
Do you learn better on video? https://youtu.be/nNkfg2SeSK0

Cash Flow Forecast Download: https://coeurbridge.com/wp-content/uploads/2025/09/Sample-Cash-Flow-Forecast.xlsx

Business Plan Template Download: https://coeurbridge.com/wp-content/uploads/2025/09/SCORE-Startup-Business-Plan-Template.docx

Need bookkeeping help with starting your business? calendly.com/coeurbridge

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>366falsefullhttps://www.spreaker.com/episode/how-to-start-a-business-course-overview--67925397
Downloads:
https://coeurbridge.com/wp-content/uploads/2025/09/Sample-Cash-Flow-Forecast.xlsx

https://coeurbridge.com/wp-content/uploads/2025/09/SCORE-Startup-Business-Plan-Template.docx

https://coeurbridge.com/wp-content/uploads/2025/09/ToolsAssessment.xlsx

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/67925397Sat, 27 Sep 2025 21:40:29 +0000Julie BonnerAny business needs to consider marketing, contracting, tools, and operations in building a company. This is an overview of these areas, which will dive into each of the separate categories in much more detail. Downloads:...
Downloads:
https://coeurbridge.com/wp-content/uploads/2025/09/Sample-Cash-Flow-Forecast.xlsx

https://coeurbridge.com/wp-content/uploads/2025/09/SCORE-Startup-Business-Plan-Template.docx

https://coeurbridge.com/wp-content/uploads/2025/09/ToolsAssessment.xlsx

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>473falsefullhttps://www.spreaker.com/episode/how-long-could-a-business-survive-without-revenue--67771574
If you prefer video, here is the YouTube video of the same content: https://youtu.be/PbG43B-Mfuw

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/67771574Mon, 15 Sep 2025 21:54:36 +0000Julie BonnerHow long could a business survive if the money stopped coming in tomorrow? Worth asking about any company you're studying — and urgent about your own. COVID made it real for many owners, and most have never actually run the numbers. There's a simple...
If you prefer video, here is the YouTube video of the same content: https://youtu.be/PbG43B-Mfuw

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>354bookkeeping,business,cashflow,emergencyfund,entrepreneur,runway,savings,smallbusinessfalsefullhttps://www.spreaker.com/episode/1099-or-payroll-how-to-tell-a-contractor-from-an-employee--67707846
Do you need bookkeeping help? Book time with us to discuss for free! https://calendly.com/coeurbridge

Learn about Coeurbridge: www.coeurbridge.com

IRS Guidance: https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-self-employed-or-employee

IRS Behavioral: https://www.irs.gov/businesses/small-businesses-self-employed/behavioral-control

IRS Financial: https://www.irs.gov/businesses/small-businesses-self-employed/financial-control

IRS Relationship: https://www.irs.gov/businesses/small-businesses-self-employed/type-of-relationship

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/67707846Wed, 10 Sep 2025 20:12:38 +0000Julie BonnerCan't I pay them on a 1099? Most owners ask it, because payroll is a hassle and contractors seem simpler. But get it wrong and the IRS comes looking for the FICA and income tax you should have withheld. The IRS weighs three things: behavior (do you...
Do you need bookkeeping help? Book time with us to discuss for free! https://calendly.com/coeurbridge

Learn about Coeurbridge: www.coeurbridge.com

IRS Guidance: https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-self-employed-or-employee

IRS Behavioral: https://www.irs.gov/businesses/small-businesses-self-employed/behavioral-control

IRS Financial: https://www.irs.gov/businesses/small-businesses-self-employed/financial-control

IRS Relationship: https://www.irs.gov/businesses/small-businesses-self-employed/type-of-relationship

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>6271099,bookkeeping,business,contractor,employee,entrepreneur,hiring,irs,payroll,smallbusinessfalsefullhttps://www.spreaker.com/episode/the-sales-tax-trap-that-drains-your-cash-flow--57384160
If you need bookkeeping support, contact Coeurbridge at this link: https://calendly.com/coeurbridge

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/57384160Wed, 25 Oct 2023 19:16:40 +0000Julie BonnerMost small businesses that fail will fail due to cash flow. Here's one of the most common ways it happens — and it's avoidable. When you invoice a client, you collect sales tax. In Washington, business and occupancy tax, too. That money lands in your...
If you need bookkeeping support, contact Coeurbridge at this link: https://calendly.com/coeurbridge

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>280bookkeeping,business,cashflow,entrepreneur,salestax,smallbusiness,taxesfalsefullhttps://www.spreaker.com/episode/how-to-actually-file-your-1099s-by-hand-software-or-service--57359870
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/57359870Mon, 23 Oct 2023 22:42:46 +0000Julie BonnerHi everyone, in this episode, we discuss the final step in best practices regarding 1099s and how to file them. Depending on your software, you may have to fill these out manually or use a service like Tax1099.com, or you can file them electronically...
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>404falsefullhttps://www.spreaker.com/episode/1099-best-practices-getting-your-vendor-records-right--57359819
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/57359819Mon, 23 Oct 2023 22:32:39 +0000Julie BonnerIn this episode, we discuss the second best practices step in handling 1099's as a small business. Here, we discuss updating vendor records and how they map appropriately to 1099 reporting. Also, our partners at Springboard have a 1099 best practices...
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>360falsefullhttps://www.spreaker.com/episode/make-the-w9-a-condition-of-getting-paid--57359564

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/57359564Mon, 23 Oct 2023 22:16:57 +0000Julie BonnerThe whole 1099 process gets easier if you fix one thing at the front: get a W-9 from every vendor before you pay them. Make it a condition of working with you — a condition of getting paid — and people hand it over without a fight. A 1099 covers...

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>6551099,bookkeeping,business,entrepreneurs,smallbusiness,vendors,w9falsefullhttps://www.spreaker.com/episode/how-to-handle-1099-filings-for-your-business-without-the-headache--48707642https://coeurbridge.com]]>https://api.spreaker.com/episode/48707642Sun, 13 Feb 2022 00:08:56 +0000Julie Bonner4571099,accounting,bookkeping,business,smallfalsefullhttps://www.spreaker.com/episode/bookkeeper-accountant-cpa-or-cfo-who-your-business-actually-needs--43468715
Video: https://youtu.be/OJMpY7_bEUA

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/43468715Mon, 15 Feb 2021 04:30:48 +0000Julie BonnerBookkeeper, accountant, CPA, CFO, wealth manager — starting out, it's not obvious which one you actually need, or when. This episode sorts it out by where you are in your business's life cycle. At startup, you need a solid bookkeeper to set up your...
Video: https://youtu.be/OJMpY7_bEUA

Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>420accountant,bookkeeper,bookkeeping,business,cfo,cpa,entrepreneur,finance,manager,smallbusiness,wealthfalsefullhttps://www.spreaker.com/episode/profitable-but-broke-why-profit-isn-t-cash--40761773
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/40761773Tue, 08 Sep 2020 00:16:45 +0000Julie BonnerYou had a profitable year — the P&L says so — and there's nothing in the bank. How? Because profit and cash are not the same thing, and almost nobody gets taught the difference. Profit is a timing story. You can book revenue before the cash shows...
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>588accrual,bookeeping,business,cashflow,depreciation,entrepreneur,finance,financial,incomestatement,pnl,profit,profitandloss,smallbusinessfalsefullhttps://www.spreaker.com/episode/how-to-read-a-10-k-filing-a-deep-dive--36244793
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/36244793Mon, 06 Jul 2020 02:51:17 +0000Julie BonnerIf you're thinking about starting a business, one of the best free research tools is sitting on the SEC's website: the 10-K of a public company that already does what you want to do. Say you want to open a coffee shop. Pull Starbucks' 10-K and read it...
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>64610-k,business,businessplan,businessresearch,entrepreneur,financial,financial-analysis,financial-planning,research,sec,smallbusiness,startup,start-upfalsefullhttps://www.spreaker.com/episode/how-to-research-a-company-s-financials-before-you-start-a-business--28581152
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/28581152Fri, 29 May 2020 03:15:14 +0000Julie BonnerWhether you're researching an industry before you start, sizing up a company you might invest in, or just want to understand the numbers where you work — financial analysis starts in the same place: knowing where to look. Say you're interested in the...
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>101110k,bookkeeping,business,entrepreneur,financiaanalysis,financial-analysis,research,sec,smallbusiness,startupfalsefullhttps://www.spreaker.com/episode/introduction-to-financial-analysis-how-to-read-a-company-s-numbers-start-here--24611457
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/24611457Mon, 30 Mar 2020 21:34:45 +0000Julie BonnerYou don't have to take a CEO's word for how a company is doing. You don't have to take your financial advisor's word either. The whole point of learning financial analysis is to read the numbers yourself and make up your own mind. This is the...
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>613analysis,business,cashflow,entrepreneur,financial,financialanalysis,financialliteracy,financialstatements,informed,investing,investment,investor,ratios,stock,successfalsefullhttps://www.spreaker.com/episode/how-to-read-financial-statements-the-secret-to-financial-intelligence--22977265
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>https://api.spreaker.com/episode/22977265Thu, 20 Feb 2020 02:58:47 +0000Julie BonnerFinancial statements look like a foreign language until someone shows you the trick: they're just your own money, scaled up. That's the whole on-ramp to financial intelligence. A profit-and-loss statement is a household budget — money coming in, the...
Hosted by Julie Bonner. Bookkeeping and financial help for business owners — https://coeurbridge.com]]>679accounting,balancesheet,bookkeeping,business,entrepreneur,equity,finance,financialliteracy,financialstatements,networth,pnl,profitandloss,smallbusinessfalsefull