YES! Program

DMR Accounting, Entrepreneurs, Business development, leaps of faith, YES program, yearly entrepreneur success, entrepreneur support

Yet, 

discussions about finance and accounting often bring up feelings of shame and embarrassment.

Avoiding your QuickBooks or accounting software?  Or don’t even use any?

Feel like you’re “faking it” with your financials?

Too embarrassed to ask money questions because it seems like the answer is obvious, or maybe you will get an answer you don’t like?

SAY YES! TO YOUR SUCCESS

Your
Empowered
Success

Year-round
Entrepreneurial
Support

Now is your opportunity to push past the bogus thoughts that you are not smart enough to understand your business' finances.

Know Your Numbers

Your financial numbers impact your profits. Do you know the most important numbers that every emerging and growing business owner needs to know? Understanding the story behind your numbers can make or break your business’ long-term success.

 

See Opportunities

You may be missing opportunities to expand and grow your business. Do you know what is possible when you can confidently share your numbers with potential partners, bankers, and investors?

Brian Tracy Quote, Move Out of your comfort zone, DMR Accounting and consulting, fearless accounting, entrepreneur success, business success, Deidra Ryan

 

Discover Problems Faster

It might surprise you to learn how many business owners are secretly intimidated by their accounting and finances!

About 20% of small businesses fail in their first year and 50% fail in their fifth year. Of those who fail, about 29% were due to running out of cash. (Source: CB Insights)

The further along you are, the harder it can be to admit what you don’t know!

 

Identify Your Direction

You can predict the future of your business by using your finances. Do you know what actions make a difference for your business profits?

Deidra Ryan, DMR Accounting, Fearless accounting, finance consulting

 

Deidra Ryan, founder of DMR Accounting & Consulting and Fearless Accounting, is on a mission to demystify accounting and replace “embarrassed” and “intimidated“ with “confident” and “empowered” when it comes to your personal and small business finances.

 

Before working with Deidra, many of her clients avoided looking at their numbers, either consciously or unconsciously.

 

They were afraid of asking the hard questions because the answer might be no!  No to their big plans or no to their dreams. No to the business they worked so hard to build!

 

 

Deidra’s approach freed them of these fears and opened up new opportunities to feel empowered by their own accounting and finances.

SUPPORT FOR FEARLESS ENTREPRENEURS

The first step is always to get the basics cleaned up, streamlined, and systematized. The true power of accounting is actually building a strong financial foundation that supports your vision, plans, and dreams.

Get the support and education you need to succeed
It’s easy to improve your business decisions and increase your efficiency when you can identify what is most important in your financials. You can rely on Deidra’s knowledge, expertise, and integrity to guide you in managing your business’ financial future.

Set a spending plan for improving your business
While traditional accounting work is priced at an hourly rate, this program gives you the freedom of knowing exactly what to expect. Rather than be surprised at the end of the month, you can predict and budget the cost of working on your business to grow and improve. Trust us, investing in yourself will be one of the best things you will ever do!

 

This Program Is NOT…

  • A “Set it and Forget it” approach to accounting. It is a structure for supporting you to handle your own accounting work.
  • A DFY (Done For You) solution. While DMR Accounting offers bookkeeping services, that is not what this program is about.
  • A program for bookkeepers and financial staff. If you are in need of this kind of service, Deidra provides training for organizations. Please schedule an "Are We a Fit?" meeting to discuss your options. However, this YES! program is designed for entrepreneurs and small business owners.

YES! PROGRAM

We’ve designed our Year-round Entrepreneur Success Package to provide more structure, accountability, and predictability for your entire business - especially in your bookkeeping, accounting, and administrative functions.

One-on-One Sessions

These are private sessions with Deidra that run up to 2 hours long (either in person or virtual).

Use this time to get support with creating a regular rhythm in your bookkeeping and reports.

You will know how to identify which timely financial reports are needed for you to be the best leader you can be. This structure also helps you face the dreaded procrastination bug!

Sessions are NOT transferable from one period to the next.

 

Monthly Office Hour Calls

Use these office hour calls for your as-needed additional support. Join the call to ask accounting, finance, and business questions in a safe and confidential environment. You may be surprised by the insights you can gain from other people's questions and shared experiences. Plus, you can celebrate your successes!

Group calls are the second Thursday of every month from 10:00 - 11:00 am CST. These calls are recorded for later viewing in case you are unable to join the live call.

 

Private Facebook Group for Entrepreneur Community

A private Facebook group is setup as a third place for you to stay connected and get the support you need all year long. It's a great place to share your successes and wins, post useful resources, and access recordings of the group calls.

Ready to Get Started?

Pick the Plan that's Right for You.

Yes Program, DMR Accounting

Should I Sign Up for the YES! Program?

If you are ...

  • Hoping to ignore your accounting and think it will make things easier,
  • Not concerned about a big surprise tax bill,
  • Okay with being completely unprepared for a tax audit,
  • Happy with a “hobby” approach to business,
  • Not interested in learning, but prefer handing off the work to someone else,

then this is probably not the right program for you.

Are you ...

  • Committed to getting your finances RIGHT - not just for tax returns, but for the future success of your business?
  • Interested in learning the true power of accounting?
  • Ready to take your business to the next level?
  • Willing to invest in your own success?

Want More Information?  Let’s schedule your initial consultation.

 

Clients love working with Deidra

Sandra Musgrave, zocalo, DMR Client, YES Program, DMR Accounting, Fearless Accounting“While her knowledge of accounting principles for business management is impressive, it is her ability to explain and teach this to business owners that was such a wonderful surprise. She immediately grasped the complexities of our particular business and was able to teach sound accounting practices to us as well as the effective usability of our accounting software.”

  • Sandra M. Musgrave, Managing Director of Zocalo 2, LLC

 

 

allison shaaf, PrepDish, DMR Client, DMR Accounting and Consulting“Deidra took the time to get to know me and my business and finds solutions that fit my needs. She has helped me get to a place where I actually enjoy QuickBooks and am confident in my books and processes. She helps me implement systems that save me time and makes my accounting streamlined and efficient. Deidra is very professional and an expert at QuickBooks and at the same time is friendly and someone I genuinely look forward to seeing and working with. I highly recommend working with Deidra and DMR!”

 

 

katherine torrini, creative life spark, DMR Client, DMR accounting and consulting, fearless accounting, YES Program“I love having quarterly accountability meetings with Deidra because it encourages me to enter as much as I can before we meet. I love the monthly office hour call. It reminds me to keep up with bookkeeping tasks on a more regular basis and Deidra’s availability to answer pesky questions that pop up between our meetings is invaluable.”

 

 

cindy austin, Austin Empowered, DMR Client, DMR Accounting, fearless accounting, deidra ryan, YES Program“Deidra had not only shown me what to do, she had taught me how to do it myself . . . and ahead of schedule! That’s an incredible gift! I am so grateful for her wealth of knowledge and experience.

If you want to experience the same sense of empowerment that I now have in dealing with my accounting, I highly recommend you set up some time to sit side by side with Deidra and discover how you, too, can gain confidence and a sense of peace around your own finances!”

Recent Posts

We CARES About You! SBA COVID-19 Relief Info

Patience is not my greatest virtue. However, patience is required during these trying times!

A prime example of much-needed patience is what I have been dealing with this week. Since the Coronavirus Aid, Relief, and Economic Security Act (CARES) Act was enacted last Friday afternoon, March 27, 2020, there has been a flurry of new information for small business owners like you and me to digest.

On Monday, March 30th at 10 A.M. CDT, I attended a conference call/presentation by Small Business Administration (SBA) San Antonio district office. The meeting was flubbed from the start because they did not have any information for us related to the CARES Act. One attendee said in the chat “This is a waste of time.” which wasn’t too far from the truth since they were having technical difficulties and were unable to present as they had intended.

However, I did learn a little tidbit about the Economic Injury Disaster Loan (EIDL) forgivable loan advance (grant) application process and then promptly applied for a DMR Accounting & Consulting EIDL loan in order to learn about the process so I am able to share my experiences with you.

Important note: at Monday’s meeting the SBA rep said that anyone who had started or completed an SBA disaster relief loan application during the prior week would need to start over and re-submit a new application this week. The rep said it was because they had problems with their legacy system crashing that they now have a new website.

Fast forward to today, Thursday, April 2, 2020, which is 3 days after I completed the “new” EIDL application and when the “up to $10K forgivable loan (i.e. grant)” should have been deposited into my business bank account. And no, I haven’t heard anything back from the SBA…no email, no deposit, no phone call, no nothing, nada.

At another presentation by the SBA San Antonio office yesterday, the representative said to call the SBA disaster customer service center number (1-800-659-2955) if we haven’t heard anything yet.

So, I dutifully called them around 8:30 this morning where I was put on hold and number 368 in the queue. Since I am determined to learn as much about this SBA loan process as possible, I sat on hold for 29 minutes before a really sweet lady named Pamela answered. After I gave her my application identification number, she said “All of the applications received by the SBA before Tuesday, March 31st had been “discontinued” so my confirmation code was not valid and the application needed to be completed and submitted again.”

I asked Pamela “why did this happen?” and she said that she was sorry and offered some kind words about how she thought my business was important to the world. It was very nice to hear even though I know it was a script that she was trained to say to everyone. I felt sorry for her since I heard her voice waiver like she was choking back tears, so I told her “thank you” and hung up with her. I then completed the EIDL application process for a second time.

On today’s EIDL application, some of the wording had changed since the application I filled out on Monday, but the majority of the questions were the same. These are examples of the some of the info it required:

  • business name, address, EIN number and start date of business
  • ownership info including % of ownership, SSN(s) and home address(es)
  • # of employees
  • Annual revenue last 12 months – Feb 2019-Jan 2020
  • Cost of Goods Sold last 12 months – Feb 2019-Jan 2020
  • Bank account info = account # and routing number

Fingers crossed that in 3 business days, I will hear something from them and won’t have to fill out the form for the third time…I’ll keep you posted.

With all this said, I recommend that ALL small business owners apply for this EIDL loan and in the process be sure to check the box on the application regarding consideration of the “up to $10K forgivable loan advance (grant)”. Also, be sure to use either Microsoft Explorer or Microsoft Edge when you apply as these work best with the SBA’s system.

It is a simple process and doesn’t require you to go to your bank, plus, according to the SBA representative yesterday, you can apply for both this disaster relief as well as the other Paycheck Protection Program (PPP) loan and other SBA loans as well.

There are 3 flavors of SBA COVID-19 disaster relief loans as follows:

1. Economic Injury Disaster Loan and loan advance (EIDL-discussed above) https://covid19relief.sba.gov/#/

2. Paycheck Protection Program (PPP) – Applications for this loan will open tomorrow, Friday, April 3rd for businesses with 1-500 employees and Friday, April 10th for self-employed and independent contractors.

· 75% of these loan proceeds must be used for payroll for 8 weeks in order to be forgivable.

· If companies have already laid-off employees and if the employees are restored in full by June 30th they may be eligible for the forgivable portion of this loan…the details are still fuzzy but more info will be coming soon.

3. SBA Express Bridge Loans 

The first loan option is what I completed which requires the completion of a short application on the SBA website. The EIDL application is similar to (albeit a little longer) a credit card application.

Again, you can apply for multiple SBA assistance loan programs. The only caveat, if you choose to do so, is that you cannot use funds from multiple sources to pay for the same expenses (i.e. you cannot double-dip and pay for April’s rent or mortgage payment with the SBA loan money from both the EIDL and PPP funds. Instead, you could pay April’s office costs with EIDL funds and once those dollars are exhausted then future costs can be paid by the PPP funds).

When applying for one or both of the second two assistance loans (#2 and #3 above), you must go through an SBA approved lender.

There is also a fourth SBA Debt Reduction program for those who already have or will receive an SBA 7(a) loan prior to September 27, 2020, as well.

A summary of all four of these resources can be found here: https://www.sba.gov/funding-programs/loans/coronavirus-relief-options

From what I understand so far (keep in mind this is an extremely dynamic situation that has been changing daily as new guidance is being released), the SBA is trying to get as many banks as possible on the PPP lending program hopefully by the end of this week or next. Accordingly, if your bank is not currently approved by the SBA, please check back later to see if it is added to the approved list and/or contact your bank directly to ask them if they have plans to work with the SBA sometime soon.

Also, per another SBA class I took last week, the SBA approved banks are requiring that you have an existing relationship in order to apply for an SBA loan. Therefore, an SBA approved bank may not be able to offer SBA coronavirus relief loans to new banking customers.

Since this is such a fluid situation and likely we will not have all the guidance for another week or two, please hang in there and be patient! We are all in this together and the more we are kind to each other and ourselves, the easier it will be on all of us collectively.

Please let us know if you would like assistance with navigating the loan application maze or any other accounting and bookkeeping needs. We are here for you!

Big virtual xoxo’s to you and your loved ones,

Deidra Ryan and the entire DMR Accounting & Consulting team

P.S. Public Service Announcement: Please stay home if you can and keep washing your hands!

We are sending our love and prayers to all the grocery workers, truck drivers, farmers and health care workers who are keeping us well fed and healthy while being on the front lines of this unfortunate disease. We are also doing our part – all of us, here at DMR, are working remotely with each other and all our clients.

Finally, to all of you parents, may God bless you during these unprecedented times. Our prayers of understanding (Kyle and I have a 5th grader and a 1st grader, so we truly feel your pain!) and peace are going out to each of you for your strength and courage on the homeschooling front. It certainly isn’t for the faint of heart!

Take care, everyone!

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