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Monday 10am - 5pm Tuesday 10am - 5pm Wednesday 10am - 5pm Thursday 10am - 5pm Friday 10am - 5pm

The Profitable Penny

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United States
Moncks Corner, SC
The Profitable Penny

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The Profitable Penny is a full-service accounting business where we focus on providing financial services and education to service based business professionals

10/29/2026

Wait before taking the wrong client.
Wait before reaching for a credit card.
Wait before cutting your own pay again.

Having reserves gives you more than a number. It gives you time to make a better decision.

CTA: Use the Tax Ready Checkup as your Q4 starting point: https://taxready.profitablepenny.com/

10/27/2026

That question just tells you how tax money got spent, where did the reserves go, and why the owner pay is whatever the checking account can survive that week.

A stronger question is: What is this money already supposed to do?

That one question changes the way you look at the whole account.

If all of this feels fuzzy to you, start here: Is Your Business Tax Ready checkup! https://link.profitablepenny.com/sp/5191a4c9b36

10/08/2026

If the money is already needed for payroll, taxes, software, rent, or next week’s bills, it is not protected cash.

A reserve has a job. Tax money has a separate job too. One bank balance should not be asked to represent both.

10/06/2026

Sales came in.

Bills got paid.

Maybe you even paid yourself.
But if one client paid late or sales slowed for 2 weeks, would the good feeling disappear?

You may not need more revenue first. You may need clearer separation between money for operations, money for taxes, and money the business is truly keeping as protection.

That is what we are working on this month: knowing what the business can actually keep, what is already spoken for, and what needs attention before year-end.

10/01/2026

September asked what a client relationship is worth over time.
October asks what happens after that money comes in.

A business can grow revenue, improve CLV, and still feel exposed if every dollar is already spoken for.

This month we are looking at savings rate, reserve balance, burn rate, and runway. Four numbers that help answer one bigger question: How much room does this business have when something changes?

Follow the October Savings + Reserves series on Substack.
https://theprofitablepenny.substack.com/

09/29/2026

When you look at a client relationship, do not stop at lifetime revenue.

Put these beside it: direct delivery cost, time and support load, payment pattern, fit with the work you want to keep doing, and the capacity required to serve the client well.

A high CLV can be worth protecting but it can also be hiding a scope, margin, or capacity problem.

Read the full Client Value Map lesson on Substack.
https://theprofitablepenny.substack.com/

09/24/2026

If current clients are waiting longer, reviews keep getting pushed, and renewals happen at the last minute, adding more acquisition can make the pressure worse.

Before you add volume, look at where the current client process is breaking down.

Check your Financial Mode before you add more.
https://moneygone.profitablepenny.com/

09/22/2026

A useful client touchpoint should help you learn something.

Ask: What is working? What has changed? Where are you stuck? What would make the next stage more useful?

Then pay attention to what happens after the conversation.

Did you catch a problem earlier? Make a renewal easier? Discover a real next need? Or learn that the client was complete and did not need anything else?

All 4 answers are useful.

Read the full Monday action on Substack.
https://theprofitablepenny.substack.com/

09/17/2026

A client may leave because the work is complete. She may outgrow the offer. The relationship may no longer fit. The margin may be too weak to keep carrying the work.

Retention should not become fear but you won’t know that unless you find out why clients are leaving.

The Financial CEO question is whether the right clients are leaving for reasons the business could have addressed.

Know your Financial Mode before you decide what to fix.
https://moneygone.profitablepenny.com/

09/15/2026

If you are reviewing retention, give yourself better information.

Try these labels: active, returned, renewed, completed well, at risk, and lost unexpectedly.

Why? Because a client who completed the work successfully should not sit in the same bucket as a strong-fit client who quietly disappeared after a service problem.

The label changes the question. The question changes the decision.

Read the retention lesson on Substack.
https://theprofitablepenny.substack.com/

Address

505 N Highway 52
Moncks Corner, SC
29461

Opening Hours

Monday	10am - 5pm
Tuesday	10am - 5pm
Wednesday	10am - 5pm
Thursday	10am - 5pm
Friday	10am - 5pm

Telephone

(404)9935229

Website

http://www.profitablepenny.com/

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