Improve Cash Flow
You're buying and selling for your clients all day — let's make sure you have the cash to prove it, and that the 30/60/90-day wait never catches you off guard.
Contractors & Real Estate Professionals
Bookkeeping is like a different language.
You need a professional to translate it into usable information.
Profit-focused bookkeeping for real estate, construction & e-commerce businesses — with an expert who has your back. Build sustainably. Grow with clarity.
Our distinctions
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QuickBooks Online Certified ProAdvisor -
Certified E-Commerce Bookkeeper -
Associate Digital Bookkeeper -
Digital Bookkeeper Association Member -
A2X Certified - Gusto Bronze Partner
The translation
Trade language in. Plain English out.
Every term your books throw at you has a plain-English meaning for your pay, your cash, and your next move. Tap any phrase to pin its translation to your sheet.
How it shows up in your books
What it means for you
Your translation sheet
Nothing pinned yet — tap a phrase above and its translation lands here.
01Job Costing
What each job actually earned you — after every cost is counted.
02Progress Billing
Billing as the work gets done, so cash keeps moving while the job does.
03Percentage-of-Completion
How much of the job is truly finished — and how much profit is already locked in.
04Retainage
The slice of every payment held back until the end — tracked, so none of it slips away.
05Draw Schedule
Money released in stages as the project hits its marks — planned, not hoped for.
06Subcontractor Payments
Every sub paid on time and on the books — 1099s handled when January comes.
0730/60/90-Day Waits
The long gap between doing the work and getting paid — bridged with a cash plan.
08Feast-or-Famine Cycle
Big months banked against slow ones, so your income stops riding a roller coaster.
How we help
Get your books done — without lifting a finger.
Know Your Numbers
Your financial statements tell the story of your business. Knowing what your reports mean gives you the knowledge and confidence to propel your business forward.
Grow Profit
Once you understand what's happening under the hood of your business, you can make the decisions that move the profit needle higher.
Who we help
Judgment-free, industry-savvy bookkeeping.
We specialize in businesses whose books speak a trade language of their own — and translate them, month after month.
Contractors & Construction
We specialize in helping women-owned construction companies, contractors, builders, and designers — businesses where every dollar runs through a job, a sub, and a waiting period before it lands.
- Job costing
- Progress billing
- Percentage-of-completion
- Subcontractor payments
- 1099s & compliance
Real Estate Professionals
Your financial statements tell the story of your business. We make sure you can read your own story — clearly enough to make wise decisions with every property and every closing.
- Readable statements
- Cash-flow forecasting
- Books ready for tax time
E-Commerce Businesses
Certified e-commerce bookkeeping with A2X-certified systems: marketplace payouts reconciled into QuickBooks Online, so your online numbers make the same sense as your bank balance.
- A2X Certified
- Certified E-Commerce Bookkeeper
- Payout reconciliation
Services
21st-century services, in three phases.
We guide you through a clear, three-phase framework designed to clean up the past, optimize the present, and build a profitable future.
Phase 1
Clean Up & Catch Up
We reconstruct your books, reconcile your accounts, and ensure your financials are clean, accurate, and ready for growth.
Most cleanups take about a month, followed by a review period to make sure nothing is missed.
Phase 2 · The ongoing engine
Bookkeeping Systems & Processes
With clean books in place, we streamline your systems — from setting up QuickBooks Online to ongoing monthly bookkeeping — tailoring your financial operations to support growth, reduce stress, and save you time.
Clean books, current every month — not just at tax time.
Phase 3
Advisory & Cash Flow Strategy
Once the foundation is solid, we step into a strategic partner role: financial goals, forecasts, and a cash-flow strategy to fund them — whether that's growing, working less, or preparing to sell.
A Profit First approach is woven into the bookkeeping, so profit is planned — not whatever is left over.
Starting fresh?
Initial Bookkeeping System Setup
What's a bookkeeping system, you ask? We get you set up with QuickBooks Online and bring you up to date and ready for tracking — the right foundation from day one.
How it works
Never worry about your bookkeeping again.
It's done through our three-step system — the same one your free consult starts with.
Analyze
First, we work with you to clarify your goals. Then we do a deep-dive analysis of where you are now with your finances. Only when there is complete clarity — for you and for us — do we move on.
Customize
Next, we build custom bookkeeping to fulfill your goals — financial reporting that is industry-specific, simple to understand, and designed to show us all how to reach the goals you set.
Optimize
Bookkeeping is historical. Optimization means we study the past to affect positive change on your future finances — helping you meet and exceed your income goals with plans that keep evolving as you thrive.
About us
Making clear cents of your numbers.
Our mission is to equip business owners with the tools and knowledge to make educated financial decisions — leading to less stress and a better enjoyment of life.
Julie Healy
Owner · Founder & CEO
“Hi, I'm Julie, founder and CEO of Clear Cents Bookkeeping. We love working with numbers (I know, super weird) — but more importantly, we excel at helping small business owners move toward and realize their dreams.”
“My favorite thing about Clear Cents is that by making clear sense of your numbers, we empower you to make educated and confident financial decisions that improve cash flow and move the profit needle higher!”
QuickBooks Online Certified ProAdvisor · Certified E-Commerce Bookkeeper · Associate Digital Bookkeeper · A2X Certified
Kara Frank
Lead Bookkeeping Professional
Kara joined the Clear Cents team in October of 2021 as our lead bookkeeper. Her experience and expertise keep our clients happy, organized, and moving toward the business of their ultimate dreams.
How working with us feels
- Empowered
- Getting a clear sense of your business finances empowers you to make wise financial decisions.
- Confident
- Confidence comes from not only knowing your numbers, but also knowing what they mean.
- Trustworthy
- Understanding what success means to you and earning your trust are our greatest accomplishments.
Heard on The Woodard Report Podcast — Julie in the Ep. 160 member spotlight, February 2026.
Client words
Hear it from the owners we translate for.
Julie from Clear Cents Bookkeeping has provided me with professional direction and workable solutions for managing my cash flow. I have already saved more than I have spent using her methods and recommendations. The relief I feel from having more control over my finances is priceless!
Clear Cents (Julie) is knowledgeable, trustworthy, resourceful, can explain complicated things easily and succinctly, is always available for my questions, and can troubleshoot just about anything I throw her way. She helped set up my books so I have a solid foundation to work on. She also has a great sense of humor and it fun to work with! I highly recommend Julie for any bookkeeping needs, not just real estate! Give her a call today!
Clear Cents Bookkeeping has helped us take our business to a whole new level of organization and transparency. Tax season will be a breeze this year! Julie is smart, responsive and always willing to answer our questions. I highly recommend Clear Cents Bookkeeping!.
Julie is amazing! My life and business have become so much smoother since I began working with her. She got my books in order, continue to maintain them and help guide my business to be a profitable machine. I am so thankful she is on my team.
Free tools
Start with the numbers you can run today.
The same tools and frameworks we use with our bookkeeping clients — free, and built to improve your cash flow, profitability, and clarity.
Loan Payoff & Interest Savings Calculator
See how much interest you can save — and how quickly you can pay off your loan — with accelerated payments.
Run the Loan Calculator →Cash Flow Calculator
Forecast your cash month-by-month, so you can plan ahead and avoid surprises.
Open the Cash Flow Forecast →The store
Take-home tools, if you'd rather DIY.
Our templates and trackers, ready to run on your own — one-time purchases from our store.
Business & Financial Plan Template
A planning template that turns big goals into a financial plan you can follow.
Small Business Bookkeeping Tracker
Track your books the way we do — organized, current, and easy to read.
Questions
Asked in plain English, answered the same way.
I run a construction company. Is this really built for my business?
Yes — we specialize in helping women-owned construction companies, contractors, builders, and designers, along with real estate professionals and e-commerce businesses. Job costing, progress billing, percentage-of-completion tracking, subcontractor payments — that is the language we speak every day.
My books are behind. Where do we start?
With Phase 1: Clean Up & Catch Up. We reconstruct your books and reconcile your accounts until your financials are clean, accurate, and ready for growth. Most cleanups take about a month, followed by a review period to make sure nothing is missed.
Do you work in QuickBooks Online?
We do — we're QuickBooks Online Certified ProAdvisors. Phase 2 sets up your QuickBooks Online and builds the systems and processes around it, then keeps your monthly bookkeeping current.
Can you help with cash flow, not just bookkeeping?
That's Phase 3: Advisory & Cash Flow Strategy — goals, forecasts, and a plan to fund them, whether that's growing, working less, or preparing to sell. We weave a Profit First approach into your bookkeeping, and our free Cash Flow Calculator is a good place to start.
Do you prepare taxes?
Bookkeeping and advisory are our whole focus. We keep your books clean and current all year, so tax season starts from numbers that make sense — and the person who prepares your taxes gets a tidy set of books to work from.
How do we get started?
Book a free consult. First we analyze — a deep dive into where your finances stand today. Then we customize a bookkeeping system around your goals, and optimize from there. Your first step is one conversation.
Let's chat
Turn your bookkeeping nightmare into a dream.
Book a free consult, and let's talk about where your books are — and what they'd say if they spoke your language.