Our Services

At Two Cents Accounting, we help small business owners simplify their finances with full-service bookkeeping, accounting, and advisory support. Whether you’re starting fresh or catching up, we make it easy to stay tax-ready and confident year-round.

QuickBooks Online Setup & Training

• New account setup and cleanup projects
• DIY QuickBooks Online training and ongoing support

Monthly Bookkeeping & Payroll

• Categorizing and reconciling transactions
• Payroll processing and 1099 filing
• Sales tax reporting and filing

Advisory & Community Support

• Operations review and business consulting
• Educational events and community-building opportunities (find more on our socials!)

Our Story

Two Cents Accounting grew from a simple truth: small business owners deserve better than chaos in their books. After years of seeing entrepreneurs stay up late with spreadsheets and stress over tax time, founder Janet Cram decided to build something different – a bookkeeping practice that replaces confusion with clarity and overwhelm with confidence.

With a background in agriculture and a deep respect for hard work, Janet knows what it’s like to build something from the ground up. She’s been in the shoes of the business owner who’s doing it all and understands that the numbers behind your business should be tools for growth, not sources of anxiety.

At Two Cents Accounting, we make bookkeeping approachable, empowering, and relationship-based. We help small business owners, especially women and rural entrepreneurs, understand their numbers, streamline their systems, and make confident financial decisions. Because when your books are in order, there’s more room to dream, grow, and actually enjoy the business you’ve worked so hard to create.

Location

Based in Fairfax, Minnesota – serving clients virtually nationwide.