Fixed fees.
No surprises.
When you're running a small business, every penny matters, and wondering what your bookkeeper is going to charge you this month shouldn't keep you up at night. That's why everything I do comes with a fixed fee, agreed before I lift a finger. Simple as that.
Discovery Diagnostic
£250/one-off. Fixed fee agreed up front.
A one-off deep dive into your books and Xero setup, with an honest findings report and a clear plan. The best place to start.
This is how the partnership begins. I spend time in your books, your accounting software, your bank feeds and your receipts process, then give you an honest picture of where things stand: what's working, what's costing you time, and what's going wrong before it becomes expensive.
You'll walk away with a written findings report and a clear recommendation for what ongoing support could look like. There's no obligation to continue, but most clients do, because the diagnostic tends to surface the exact things that keep founders up at night.
Required before any retainer.
Bookkeeping Core Retainer
Fixed monthly fee, agreed up front.
The monthly foundation: bank reconciliation, coding and tidy accounts, kept accurate and up to date all year.
The foundation of every client relationship. I take ownership of your bank reconciliation and day-to-day bookkeeping, the monthly rhythm that keeps your books clean, your records accurate and your accountant happy.
Full monthly bank reconciliation, transaction coding, account tidying and error correction. Done properly and consistently, every single month. You stop wondering whether your numbers are right. They are.
Add on Services
Fixed monthly fees, agreed up front.
Extra help when you need it, from monthly reporting and credit control to payroll, VAT and invoicing. Most clients pick two or three. See below for more detail.
Add on Services (Monthly Retainer)
Every task I take off your plate is a task your accountant no longer needs to bill you for. Cleaner books, fewer queries at year-end, and less time unpicking problems that shouldn't have happened in the first place. Most clients pick two or three; the savings stack, and so does the headspace.
Monthly Reporting Pack
A clear monthly pack, profit and loss, balance sheet and cash summary, so you always know exactly how the business is doing. For your internal use, and ready for your accountant to review.
Credit Control & AR
Chasing your unpaid invoices politely and persistently, with aged debtor reports and a weekly summary of who owes what, so you get paid faster. Covers up to 30 active debtors.
VAT Return Preparation
Compiling and reconciling your VAT data in Xero and preparing the return, ready for your accountant to review and submit.
Supplier Payments
Processing supplier invoices, scheduling payments and keeping clear, organised records, so suppliers are paid on time and nothing needs untangling at year-end. You keep approval of every payment.
Receipt & Expense Processing
Capturing and categorising receipts and expenses via Dext or similar, so every claim is recorded and nothing goes missing on the way in.
Invoice Raising
Preparing and sending your sales invoices, credit notes and statements on your behalf, straight from Xero, so your revenue is recorded accurately from day one.
Ready to start?
Not sure which is right for you? Start with a Discovery Diagnostic, or get in touch and we'll work it out together.
For accountancy firms
Need a reliable white-label bookkeeper behind your practice? I take the reconciliation and coding off your team, in Xero or whatever software your clients use, and hand it back clean and ready, monthly or as overflow when you're stretched.
You keep the client and the advisory work; I keep the books tidy. Fixed fees, no permanent headcount, and full confidentiality (I'm happy to sign an NDA).
A note on what I don’t do. Penny & Paper provides finance operations, the recording, processing and reporting of financial data. I don't provide financial advice, prepare statutory accounts, file tax returns, or produce reports intended for third-party reliance (lenders, investors, HMRC). For advisory and compliance work, I partner with your existing accountant. All management reports are for internal use only.