10/08/2026
October is the right month to start your 2027 budget. Not December. Not January.
One rule from QuickBooks worth keeping: build the budget from what you actually earned and spent, not what you hope to earn. Pull it from bank statements and past bills.
A simple starting point:
β Last 12 months of income, by month
β Fixed costs that hit no matter what
β Costs that move with sales
β The one-time expenses you already know are coming
If your books are current, this takes an afternoon. If they aren't, that's the first fix.
Do you have a written budget for next year yet?
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