When you’re running a business — especially when it’s just you or a tiny team — it’s tempting to do everything yourself. Marketing, sales, paperwork, lunch orders, bookkeeping…

But here’s the hard truth: not all DIY saves you money. Sometimes it costs you a lot more than you think.

So — when does it make sense to keep your books yourself, and when should you bring in a pro? Let’s break it down 👇

✅ When DIY Makes Sense

DIY bookkeeping is totally fine when:

💡 1️⃣ You’re just starting out, and there’s barely any volume
Got 5 invoices a month and no employees? A simple spreadsheet or a tool like Wave can get you by — as long as you stay on top of it.

💡 2️⃣ You’re organized and consistent
If you’re the kind of person who never forgets a receipt, reconciles every month, and actually likes a good spreadsheet session — DIY might be okay for now.

💡 3️⃣ You know when to call for backup
Even DIYers need a pro sometimes — to check your setup, review your books before tax time, or help with something complicated (like GST or payroll rules).

🚫 When It’s Time to Call In a Bookkeeper

Hiring a bookkeeper isn’t just for “big” businesses — it’s for busy ones. Bring in help when:

⚡ 1️⃣ Your time is more valuable elsewhere
Could you bill another $200+ in the time it takes to reconcile your bank feed? Do that instead — let someone else do the grunt work.

⚡ 2️⃣ It’s getting messy (or stressful)
If your books make you sweat, you’re guessing on taxes, or you’re behind on filing, stop now. Fixing bad books costs more than doing them right the first time.

⚡ 3️⃣ You have payroll, contractors, or GST
These things come with rules — and the CRA doesn’t mess around. A bookkeeper keeps you compliant (and out of hot water).

📌 The Sweet Spot? Do Less, Earn More

Most small business owners start out DIY, then outsource once it’s clear their time is better spent making money doing what they’re good at.

Good bookkeeping pays for itself in what it saves you — in stress, time, and surprise tax bills.