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The Life & Taxes Advisory Blog is a curated hub of resources for business owners. Here you’ll find updates and insights from SAWCHERYL LLC, Pawz and Balanze LLC, Single Mom Budgeting, Xero, and even featured posts  from our clients. We bring it all together so you can learn, apply, and stay ahead, without digging through dozens of sites.

Cheryl Miller – Tax Strategist Simplified Accounting with Cheryl

  • The Side Hustle Lie: You’re Not a Business Until You Act Like One 
    by Cheryl Miller on October 24, 2025 at 2:28 pm

    The lie people tell themselves: “I’ll start tracking expenses when I actually make money.” Reality check that’s not how any of this works. You don’t magically become a business the day you deposit your first sale. You become one the moment you decide to operate like one. That means intent, structure, and documentation not vibes and The post The Side Hustle Lie: You’re Not a Business Until You Act Like One  appeared first on Cheryl Miller - Tax Strategist.

  • Why Tax Season Feels Like an Olympic Event (and Why We’re Still Running in October) 
    by Cheryl Miller on October 23, 2025 at 4:45 pm

    Tax season doesn’t end when the calendar says it does. We cross the finish line, throw up our hands in victory, and then realize the crowd’s still waiting with missing receipts, unsigned engagement letters, and twelve months of “I’ll get to it soon.”  Everyone treats tax season like a once-a-year emergency, not the year-round process The post Why Tax Season Feels Like an Olympic Event (and Why We’re Still Running in October)  appeared first on Cheryl Miller - Tax Strategist.

  • The Real Cost of Carrying It All
    by Cheryl Miller on October 23, 2025 at 7:21 am

    The Real Cost of Carrying It All Burnout doesn’t always look like giving up. Sometimes it looks like doing everything: the business, the house, the clients, the family, and still feeling behind. It’s the overflowing laundry basket, the dishes you get to once a week, the half-drunk coffee that’s been reheated four times. The emails The post The Real Cost of Carrying It All appeared first on Cheryl Miller - Tax Strategist.

  • What Burnout Really Looks Like in Tax Season
    by Cheryl Miller on October 22, 2025 at 11:35 pm

    What Burnout Really Looks Like in Tax Season If you caught Part 1 of this series, you already know we talked about the chaos that tax season dumps on every preparer’s lap the long days, the endless questions, and the emotional whiplash of living inside everyone else’s financial stress. But this time, we’re going deeper. The post What Burnout Really Looks Like in Tax Season appeared first on Cheryl Miller - Tax Strategist.

Single Mom Budgeting Budgeting tips and tricks for single moms

  • How to Use a Spending Plan Worksheet to Get Your Finances in Order
    by Cheryl Miller on May 31, 2022 at 9:18 pm

    Do you know where your money goes every month? If not, you need to start creating a spending plan worksheet. A spending plan is a document that outlines how much money you will spend in each category each month. This includes bills, groceries, entertainment, and everything else. Creating a spending plan can help you stay

  • 7 Tips to Simplify Finances
    by Cheryl Miller on May 31, 2022 at 8:41 pm

    The path to a financially successful life is paved with simplicity. The simpler your finances, the easier they are for you handle! You can take simple steps that have a massive impact on how well-managed and organized everything concerning money in your world will be from now on – so get started by making some

  • How To Stop Compulsive Shopping Behaviors
    by Cheryl Miller on May 31, 2022 at 8:05 pm

    This post may contain affiliate links which means I receive a small commission at no cost to you when you make a purchase. As an Amazon Associate, I earn from qualifying purchases. Do you have a problem with compulsive shopping? Do you find yourself buying things you don’t need, or spending more money than you

  • Is it Better to Save Money or Pay Off Your Debt?
    by Cheryl Miller on May 31, 2022 at 7:20 pm

     There is a lot of debate surrounding the topic of whether it is better to save money or pay off your debt. This is a complicated question with no easy answer. It depends on a variety of factors, including your income, expenses, interest rates, and debts. One thing is for sure: you should not neglect

Xero Blog Beautiful business and Your business supercharged

  • How your ideas from the Xerocon Laundromat are shaping the future of Xero
    by Courtney Martyn on November 4, 2025 at 8:30 pm

    Xerocon Brisbane 2025 was a fantastic few days of connection and inspiration. While the keynotes were happening on the mainstage, some of the most important conversations were taking place at a new space we launched this year: ‘The Laundromat’. No, we weren’t washing clothes. We called it The Laundromat because it was a place for... The post How your ideas from the Xerocon Laundromat are shaping the future of Xero appeared first on Xero Blog.

  • From optimism to revenue: How to close your AI readiness gap
    by Xero on November 3, 2025 at 10:01 pm

    For small business owners, the discussion around AI often focuses on high-cost, complex change. When you’re busy running the business, we know adopting new technology can feel like a high-risk gamble against an uncertain return. Here’s the reality: AI is already delivering a measurable impact where it counts most. Revenue growth. The post From optimism to revenue: How to close your AI readiness gap appeared first on Xero Blog.

  • Let’s talk year-end: From stress to strategic success
    by Gusto on November 3, 2025 at 8:00 pm

    Year-end. For accountants, those two words can bring on a mix of excitement and, let’s be honest, a bit of dread. It’s a whirlwind of deadlines, data, and client questions. But what if we looked at it differently this year? What if we saw it as our annual opportunity to truly shine, to go beyond... The post Let’s talk year-end: From stress to strategic success appeared first on Xero Blog.

  • Powering Up Your Practice for an AI era
    by Stuart Miller on November 3, 2025 at 2:45 pm

    Artificial intelligence (AI) is the phrase on everyone’s lips right now. It’s no longer a futuristic concept but already transforming how we work every day – reducing the burden of repetitive tasks and driving growth, productivity and profitability by reshaping the way businesses work. In the accounting and bookkeeping industry, that change is just as... The post Powering Up Your Practice for an AI era appeared first on Xero Blog.

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