Grace & Growth Financial Services - formerly Overman Bookkeeping, PC

10/01/2026

October Dates to Know

Here’s what to have on your radar this month:
📅 October 12: Columbus Day (federal holiday)
📅 October 15: Extended filing deadline for individual federal tax returns (Form 1040) and calendar-year corporation returns (Form 1120), IF you were granted an extension.
📅 November 2: Q3 wage reports and unemployment tax payments are due to the Texas Workforce Commission. The usual October 31 deadline falls on a Saturday this year, so reports and payments are considered timely through the following business day.

October is also Cybersecurity Awareness Month and National Financial Planning Month, so we’ll be sharing helpful information on both topics throughout the month!

Save this post as a reminder, and share it with someone who may need one of these dates.

10/01/2026

A few important deadlines and updates are coming up this fall. Here’s what we think you should have on your radar:

📅 October 15 Tax Extension Deadlines
October 15 is the filing deadline for individuals filing Form 1040 and corporations filing Form 1120 if they received an extension.

🐄 Drought Relief for Farmers & Ranchers
The IRS recently extended tax relief for eligible farmers and ranchers who were forced to sell or exchange livestock because of drought conditions. Visit the IRS website for eligibility requirements and other details.

🎄 Holiday Planning for Businesses
The holidays aren't far away! Now is a good time to review inventory or supply needs, staffing and schedules, expected expenses, and seasonal changes that could affect your cash flow.

📋 Texas Employers: October 31 Deadline
Q3 wage reports and unemployment tax payments are due to the Texas Workforce Commission on October 31.

Have questions about any of these updates? We’re happy to help.

09/29/2026

🎓 One last reminder for federal student loan borrowers: Tomorrow, September 30, is the deadline for eligible borrowers to enroll in autopay to receive a temporary 1% interest rate reduction through June 30, 2028.

Visit your online student loan account to check whether you're enrolled, or visit the official Federal Student Aid website to learn more.

09/25/2026

A reminder for federal student loan borrowers from our financial coach, Morgan:

If you'd like to save money on interest on your eligible federal student loans, you have less than a week to enroll in Auto Pay to take advantage of this temporary interest rate reduction.

It won't solve the problem of debt, but it can help more of your payment go toward principal instead of interest.

Learn more about the temporary interest rate reduction and eligibility on the Federal Student Aid website: https://studentaid.gov/announcements-events/auto-pay-interest-rate-reduction

09/24/2026

New article alert! 👀 Should you pay off debt or save money first?

Both are important financial goals, but deciding what to prioritize doesn't always feel simple.

Read our article and learn the approach our financial coach, Morgan, generally recommends, why a starter emergency fund matters, and when life circumstances might call for temporarily adjusting your plan.

09/23/2026

🎄 Thinking of hiring seasonal employees for the upcoming holiday season?

We can help you think through the details of planning and budgeting, compliance, payroll setup, and time tracking so you're better prepared before your seasonal employees come on board.

Contact us if your small business could use some extra support as you prepare for seasonal hiring!

09/22/2026

The IRS has announced an extension on tax relief for farmers and ranchers in specific areas recently impacted by droughts. 🐄 See the official IRS announcement for more details.

IR-2026-110, Sept. 15, 2026 — The Internal Revenue Service today issued guidance that provides an extension of tax relief for farmers and ranchers in most states and other regions who sold or exchanged livestock because of drought conditions.

09/21/2026

Does your business seem to be making a profit, but somehow there isn't enough money when you need it? 🚩

This could be a red flag signaling cash flow problems in your business.

Read more about this warning sign, why it's important to understand the difference between profit and cash, and where to look for answers to the “mystery of the missing money” in our latest article.

09/21/2026

Who else is ready for fall? 🍁

P.S. - We know it’s wishful thinking for Texans to imagine it’ll actually be anytime soon… but we can dream 🍂

09/18/2026

When the future feels uncertain, where do you start?

You may have heard some of the recent news about Social Security. According to the SSA’s summary of the 2026 Trustees Report, Social Security’s retirement and survivor trust fund is projected to deplete its reserves in 2032 if no changes are made.

But maybe retirement feels like the last thing you can think about when you're trying to manage the financial challenges right in front of you.

Financial coaching can help you take a look at where you are today, identify your priorities, and create a plan to start moving forward, one step at a time.

Morgan offers free financial coaching consultations for individuals and couples who would like help figuring out where to start.