[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f3t9yb1q7aam93":3,"$fv2z473j49xu6":1224},[4,15,24,32,40,48,57,68,74,82,91,99,107,116,124,132,140,148,156,164,172,179,186,194,201,209,216,223,231,239,247,254,261,270,278,284,290,297,304,314,323,331,339,346,354,363,371,379,387,395,404,413,422,432,440,449,457,465,474,482,491,499,506,514,521,528,534,542,550,557,565,572,578,585,592,599,606,613,620,627,634,641,648,655,662,668,675,681,688,695,702,709,716,723,730,737,744,751,758,765,772,779,786,793,800,807,814,821,828,835,841,848,855,862,869,875,882,888,895,902,909,916,922,929,936,943,950,957,964,971,978,985,992,999,1005,1012,1019,1025,1031,1038,1045,1052,1059,1066,1073,1080,1086,1093,1100,1107,1114,1121,1128,1135,1142,1147,1154,1161,1168,1175,1182,1189,1196,1203,1210,1217],{"_id":5,"category":6,"navigationlabel":8,"order":9,"slug":10,"subtitle":13,"title":14},"0a2f08ef-890b-4c84-8236-fc22e37edc1b",[7],"Getting Started","Welcome to stub",1,{"_type":11,"current":12},"slug","welcome-to-stub","The simplest way to get your business finances in order, without losing your mind (or your weekend).","Welcome to stub!",{"_id":16,"category":17,"navigationlabel":19,"order":9,"slug":20,"subtitle":22,"title":23},"138715fa-ed2d-44a2-b2b8-7b1170f3f2ad",[18],"Connections","How to connect your Investec account to stub",{"_type":11,"current":21},"how-to-connect-your-investec-accounts-to-stub-legacy",null,"How to connect your Investec account(s) to stub",{"_id":25,"category":26,"navigationlabel":28,"order":9,"slug":29,"subtitle":31,"title":28},"9e20862d-8032-408e-8019-3fd0e7760af7",[27],"Developers","Build on stub",{"_type":11,"current":30},"build-on-stub","Your self-service developer environment is ready to roll.",{"_id":33,"category":34,"navigationlabel":35,"order":36,"slug":37,"subtitle":39,"title":35},"13c9d0e6-1be4-4a80-b557-e1ff7d17047b",[18],"How to connect Yoco to stub",2,{"_type":11,"current":38},"how-to-connect-yoco-to-stub-legacy","In split seconds",{"_id":41,"category":42,"navigationlabel":43,"order":36,"slug":44,"subtitle":46,"title":47},"6935f4f9-f7c3-4541-90d8-23171cc94968",[7],"Set up your business profile",{"_type":11,"current":45},"set-up-business-profile-legacy","This is your first bit of housekeeping, and it only takes a minute.","How to set up your business profile",{"_id":49,"category":50,"navigationlabel":51,"order":52,"slug":53,"subtitle":55,"title":56},"6369898a-ac4c-4f12-83ba-9df1a6e6a64a",[7],"Get stub on your phone",3,{"_type":11,"current":54},"how-to-get-stub-on-your-phone-legacy","Carry stub with you, right in your pocket!","How to get stub on your phone",{"_id":58,"category":59,"navigationlabel":62,"order":63,"slug":64,"subtitle":66,"title":67},"3003a98c-ec41-4d8c-ae5a-5ae02850b04a",[60,61],"Accounting","Business Setup","Set opening balances ",5,{"_type":11,"current":65},"setting-your-opening-balances-in-stub","Tell us where your business is at ","Setting your opening balances in stub ",{"_id":69,"category":70,"navigationlabel":22,"order":72,"slug":22,"subtitle":22,"title":73},"0cb26b55-a203-4e0b-876d-92e3a34f0ef6",[71],"Invoices & Quotes",11,"Invoice Numbers",{"_id":75,"category":22,"navigationlabel":76,"order":77,"slug":78,"subtitle":80,"title":81},"a752f36a-7a61-4d50-984c-c0db8b21efab","Set up online payments",15,{"_type":11,"current":79},"set-up-online-payments","Get paid with a click of a button.","How to set up online payments",{"_id":83,"category":84,"navigationlabel":86,"order":87,"slug":88,"subtitle":90,"title":86},"c6d3065b-32e3-40b2-b4c1-933bd2b9efc0",[85],"Insights","Insights dashboard",20,{"_type":11,"current":89},"insights-dashboard-legacy","All your key numbers in one easy-to-scan view.",{"_id":92,"category":93,"navigationlabel":94,"order":95,"slug":96,"subtitle":98,"title":94},"1707ead5-2cc7-4e78-b216-22425837cfbb",[85],"Sales report",21,{"_type":11,"current":97},"sales-report","See what you’ve sold, who’s buying, and what’s driving your revenue.",{"_id":100,"category":101,"navigationlabel":102,"order":103,"slug":104,"subtitle":106,"title":102},"39abd7e8-da52-4480-a44a-4d702a824c7f",[85],"Expenses report",22,{"_type":11,"current":105},"expenses-report","Your quick view of what it costs to keep things running.",{"_id":108,"category":109,"navigationlabel":110,"order":111,"slug":112,"subtitle":114,"title":115},"f4283063-0537-4261-a070-eded099d3412",[85],"Profit & Loss report",24,{"_type":11,"current":113},"profit--loss-report-legacy","Track what you’ve earned, what you’ve spent, and what’s left over.","Profit & Loss Report",{"_id":117,"category":118,"navigationlabel":119,"order":120,"slug":121,"subtitle":123,"title":119},"9bc71c82-b14d-49fc-8525-2735b406802f",[85],"Cash Flow report",25,{"_type":11,"current":122},"cash-flow-report-legacy","Your real-world view of money movement – what’s actually in the bank.",{"_id":125,"category":126,"navigationlabel":127,"order":128,"slug":129,"subtitle":131,"title":127},"7c397e0b-3b7a-4ef2-9a22-032a8f6bc128",[85],"Balance Sheet report",26,{"_type":11,"current":130},"balance-sheet-report-legacy","See what you own, what you owe, and what’s really yours.",{"_id":133,"category":134,"navigationlabel":135,"order":136,"slug":137,"subtitle":139,"title":135},"1e1f3867-1a18-4085-942d-a8a06ef3c454",[85],"Trial Balance report",27,{"_type":11,"current":138},"trial-balance-report","Your quick check that every debit has its matching credit.",{"_id":141,"category":142,"navigationlabel":143,"order":144,"slug":145,"subtitle":147,"title":143},"50b5c660-4d49-43a3-a318-e5866289cc7a",[85],"VAT \u002F Sales Tax report",28,{"_type":11,"current":146},"vat--sales-tax-report","See how much tax you’ve collected, paid, and owe — all in one place.",{"_id":149,"category":150,"navigationlabel":151,"order":152,"slug":153,"subtitle":22,"title":155},"2c750b9e-787c-4202-bf0e-1544da409efc",[85],"Sharing reports",29,{"_type":11,"current":154},"how-to-export-and-share-reports-legacy","How to export and share reports",{"_id":157,"category":158,"navigationlabel":159,"order":160,"slug":161,"subtitle":22,"title":163},"6d2349c6-6037-4a6c-ab23-7c1e04c46545",[85],"Using tags for custom reports",30,{"_type":11,"current":162},"how-create-custom-reports-with-tags","How create custom reports with tags",{"_id":165,"category":166,"navigationlabel":167,"order":168,"slug":169,"subtitle":22,"title":171},"cfefea6f-042f-48f6-911e-bd07d6d1e91d",[85],"Troubleshoot unexpected report numbers",31,{"_type":11,"current":170},"troubleshooting-unexpected-report-numbers-legacy","Troubleshooting unexpected report numbers",{"_id":173,"category":174,"navigationlabel":175,"order":176,"slug":177,"subtitle":22,"title":175},"a7731eed-c30b-4bf8-a632-fd9af984ba51",[71],"How to create invoices",40,{"_type":11,"current":178},"how-to-create-invoices-legacy",{"_id":180,"category":181,"navigationlabel":182,"order":183,"slug":184,"subtitle":22,"title":182},"eb61a9bf-5f5d-4121-8aee-21b2422eb97b",[71],"Ways to send an invoice",41,{"_type":11,"current":185},"ways-to-send-an-invoice",{"_id":187,"category":188,"navigationlabel":189,"order":190,"slug":191,"subtitle":22,"title":193},"c480335c-1565-45cd-9339-9e46a149593f",[71],"The status of your invoice",42,{"_type":11,"current":192},"how-to-track-the-status-of-your-invoices","How to track the status of your invoices",{"_id":195,"category":196,"navigationlabel":197,"order":198,"slug":199,"subtitle":22,"title":197},"1d4316ca-332f-4773-b323-bebae82131c7",[71],"How to mark an invoice as paid",43,{"_type":11,"current":200},"how-to-mark-an-invoice-as-paid-legacy",{"_id":202,"category":203,"navigationlabel":204,"order":205,"slug":206,"subtitle":22,"title":208},"630e13a5-b3dd-40b8-a808-1d28c8db5f03",[71],"Repeat invoices",44,{"_type":11,"current":207},"repeat-invoices-set-it-once-let-stub-do-the-sending","Repeat invoices: set it once, let stub do the sending",{"_id":210,"category":211,"navigationlabel":212,"order":213,"slug":214,"subtitle":22,"title":212},"0a6dc9cd-7dce-4078-bbf5-ec3e25d3cacb",[71],"Invoicing in a different currency",45,{"_type":11,"current":215},"invoicing-in-a-different-currency",{"_id":217,"category":218,"navigationlabel":219,"order":220,"slug":221,"subtitle":22,"title":219},"4db88a45-6825-4c34-9e1c-7c3a078fd6b0",[71],"How to add VAT to invoices",46,{"_type":11,"current":222},"how-to-add-vat-to-invoices-legacy",{"_id":224,"category":225,"navigationlabel":226,"order":227,"slug":228,"subtitle":22,"title":230},"ce42e936-eb1f-4807-8c1f-295cc13274e7",[71],"Adding discounts",47,{"_type":11,"current":229},"how-to-apply-discounts-to-invoices","How to apply discounts to invoices",{"_id":232,"category":233,"navigationlabel":234,"order":235,"slug":236,"subtitle":22,"title":238},"4daeb2af-690a-4d67-82b6-df21196c597d",[71],"How to create quotes",48,{"_type":11,"current":237},"how-to-create-and-send-quotes-legacy","How to create and send quotes",{"_id":240,"category":241,"navigationlabel":242,"order":243,"slug":244,"subtitle":22,"title":246},"e2115c03-1add-4c2d-8fb4-061a1b7ffc7a",[71],"Credit notes",49,{"_type":11,"current":245},"how-to-create-a-credit-note-legacy","How to create a credit note",{"_id":248,"category":249,"navigationlabel":250,"order":251,"slug":252,"subtitle":22,"title":250},"a1736a84-72c8-4184-968a-d62bf4876da5",[71],"How to create a pro-forma invoice",50,{"_type":11,"current":253},"how-to-create-a-pro-forma-invoice-legacy",{"_id":255,"category":256,"navigationlabel":257,"order":258,"slug":259,"subtitle":22,"title":257},"5782d9cf-0841-4bae-8285-6646f649e978",[71],"How to enable online payments",51,{"_type":11,"current":260},"how-to-enable-online-payments-legacy",{"_id":262,"category":263,"navigationlabel":264,"order":265,"slug":266,"subtitle":268,"title":269},"0256d508-a1aa-4eef-b3bc-5a733ca2323a",[71],"How to get paid",59,{"_type":11,"current":267},"ways-to-make-sure-you-get-paid","You've done the work, now it's time to get paid!","Ways to make sure you get paid",{"_id":271,"category":272,"navigationlabel":274,"order":275,"slug":276,"subtitle":22,"title":274},"7f7a9416-f254-4e52-b08a-c0f13567d4db",[273],"Income & Expenses","How to record income and expenses",60,{"_type":11,"current":277},"how-to-record-income-and-expenses-legacy",{"_id":279,"category":280,"navigationlabel":22,"order":282,"slug":22,"subtitle":22,"title":283},"44569064-5b34-414b-a5cd-5451e8da2fa2",[281],"Integrations",61,"Coming soon ",{"_id":285,"category":286,"navigationlabel":287,"order":282,"slug":288,"subtitle":22,"title":287},"fa433fcb-e016-48d2-8eae-74508b419dc9",[273],"How to categorise transactions",{"_type":11,"current":289},"how-to-categorise-transactions-legacy",{"_id":291,"category":292,"navigationlabel":293,"order":294,"slug":295,"subtitle":22,"title":293},"5d6c4511-3a27-4a28-8f4e-d0a2e5ead4f4",[273],"Automatically categorise transactions",64,{"_type":11,"current":296},"automatically-categorise-transactions",{"_id":298,"category":299,"navigationlabel":300,"order":301,"slug":302,"subtitle":22,"title":300},"f58727d6-014c-4a59-b568-7d14c9ba3024",[273],"Managing business expenses and spend",65,{"_type":11,"current":303},"managing-business-expenses-and-spend",{"_id":305,"category":306,"navigationlabel":308,"order":309,"slug":310,"subtitle":312,"title":313},"ac5121c1-594a-441d-958e-60cc89c51f0f",[307],"Customers & Suppliers","Customer statements",80,{"_type":11,"current":311},"what-is-a-customer-statement-and-how-to-use-it","Keep tabs on who owes you what!","What is a customer statement and how to use it?",{"_id":315,"category":316,"navigationlabel":318,"order":319,"slug":320,"subtitle":22,"title":322},"7784424e-45aa-452c-81a0-f4d4b9f7be51",[317],"Products & Services","Add products & services",100,{"_type":11,"current":321},"how-to-add-your-products-and-services-legacy","How to add your products and services",{"_id":324,"category":325,"navigationlabel":326,"order":327,"slug":328,"subtitle":22,"title":330},"d1e5c4c4-bd49-4bd8-9015-99d4b04c89ed",[317],"Inventory management ",102,{"_type":11,"current":329},"inventory-management-legacy","Inventory management",{"_id":332,"category":333,"navigationlabel":335,"order":336,"slug":337,"subtitle":22,"title":335},"e84b32db-fd60-40d7-95e5-86055e0ba498",[334],"Assets & Depreciation","How to add assets",120,{"_type":11,"current":338},"how-to-add-assets-legacy",{"_id":340,"category":341,"navigationlabel":342,"order":343,"slug":344,"subtitle":22,"title":342},"dccd6404-70c0-46d5-8ae2-6cfd06238c11",[334],"How to add depreciation",121,{"_type":11,"current":345},"how-to-add-depreciation-legacy",{"_id":347,"category":348,"navigationlabel":349,"order":350,"slug":351,"subtitle":353,"title":349},"72c2f994-9898-4534-a0d7-078e98456d6a",[60],"General Ledger",160,{"_type":11,"current":352},"general-ledger-legacy","Where all your numbers come together",{"_id":355,"category":356,"navigationlabel":357,"order":358,"slug":359,"subtitle":361,"title":362},"3cb7fbba-cfc6-456e-8009-d1e712fd79a5",[60],"Add a manual entry",161,{"_type":11,"current":360},"how-to-add-a-manual-entry-legacy","When you need to record something outside the norm","How to add a manual entry",{"_id":364,"category":365,"navigationlabel":366,"order":367,"slug":368,"subtitle":370,"title":366},"21de2365-67fe-4db7-b388-1af7d99abc1f",[60],"Retained earnings",162,{"_type":11,"current":369},"retained-earnings-legacy","Automatically added by stub. Lucky you.",{"_id":372,"category":373,"navigationlabel":374,"order":375,"slug":376,"subtitle":378,"title":374},"1aa4cb49-37d4-4419-a72a-4a13ad98636b",[60],"Chart of Accounts",163,{"_type":11,"current":377},"chart-of-accounts-legacy","Your business’s financial filing cabinet",{"_id":380,"category":381,"navigationlabel":382,"order":383,"slug":384,"subtitle":22,"title":386},"504d1dec-19be-42d0-a3eb-7a6a593a092b",[60],"Configure your default accounts",164,{"_type":11,"current":385},"how-to-configure-your-default-accounts","How to configure your default accounts",{"_id":388,"category":389,"navigationlabel":390,"order":391,"slug":392,"subtitle":22,"title":394},"78765c20-bf82-4548-b8c3-fb70d576c938",[60],"Set your financial year",165,{"_type":11,"current":393},"how-to-set-your-financial-year-legacy","How to set your financial year ",{"_id":396,"category":397,"navigationlabel":398,"order":399,"slug":400,"subtitle":402,"title":403},"8ed77908-0305-4668-b7dc-f9bcf20e0546",[7,60],"Add loans and liabilities",166,{"_type":11,"current":401},"how-to-add-loans-and-liabilities-legacy","Track what your business owes","How to add loans and liabilities",{"_id":405,"category":406,"navigationlabel":407,"order":408,"slug":409,"subtitle":411,"title":412},"7612c0ce-99bb-4dff-832e-404d4b614d85",[60],"Tracking business loans",167,{"_type":11,"current":410},"how-to-keep-track-of-your-business-loans","Keep an eye on who and what you owe","How to keep track of your business loans",{"_id":414,"category":415,"navigationlabel":416,"order":417,"slug":418,"subtitle":420,"title":421},"b9f2e98a-d298-46ec-9fa6-e32d4a3b5f9e",[60],"Accounting 101",179,{"_type":11,"current":419},"accounting-101-lets-crack-this-nut-legacy","Debunking basic accounting terms and practises","Accounting 101 - Let’s crack this nut!",{"_id":423,"category":424,"navigationlabel":426,"order":427,"slug":428,"subtitle":430,"title":431},"ec25a805-3d21-4653-8e70-1e638fa0e225",[61,425],"Profile","Add team members",185,{"_type":11,"current":429},"add-team-members-to-your-business","Work together with a partner, colleague, accountant or advisor","Add team members to your business",{"_id":433,"category":434,"navigationlabel":435,"order":436,"slug":437,"subtitle":439,"title":435},"3efef217-2da4-4b5b-af73-2a0433d37093",[61],"Manage multiple businesses",186,{"_type":11,"current":438},"manage-multiple-businesses-in-stub-legacy","You can have as many hustles as you can handle in stub",{"_id":441,"category":442,"navigationlabel":443,"order":444,"slug":445,"subtitle":447,"title":448},"2233816c-8add-4554-be64-5fb131dc4861",[18],"Connecting your bank to stub",200,{"_type":11,"current":446},"connecting-your-bank-to-stub-legacy","Automate income and expense tracking. Make it faster, easier and more accurate.","How to connect your bank to stub",{"_id":450,"category":451,"navigationlabel":452,"order":453,"slug":454,"subtitle":22,"title":456},"c0938fa6-a31f-401e-990e-da8d9eb0c0c3",[18],"How to connect your Capitec account",201,{"_type":11,"current":455},"how-to-connect-your-capitec-account-to-stub-2-easy-ways-legacy","How to connect your Capitec account to stub (2 easy ways)",{"_id":458,"category":459,"navigationlabel":460,"order":461,"slug":462,"subtitle":22,"title":464},"83b3751d-0632-412b-bb35-997df1c97f13",[18],"How to remove a personal bank account in stub",202,{"_type":11,"current":463},"how-to-remove-a-personal-bank-account-and-its-transactions-in-stub","How to remove a personal bank account (and its transactions) in stub",{"_id":466,"category":467,"navigationlabel":469,"order":470,"slug":471,"subtitle":473,"title":469},"2100c777-1dce-479d-8950-e68daa4606ca",[468],"Payments","Custom payments page & StreamElements",260,{"_type":11,"current":472},"custom-payments-page-and-streamelements","Set up your custom payments page and get StreamElements",{"_id":475,"category":476,"navigationlabel":22,"order":477,"slug":478,"subtitle":480,"title":481},"8b6485f9-b0c2-4457-a2cf-0544f318107e",[281],264,{"_type":11,"current":479},"find-your-account-id-legacy","Who are you really?","Find your Account ID",{"_id":483,"category":484,"navigationlabel":22,"order":486,"slug":487,"subtitle":489,"title":490},"e4757321-ff7f-4755-a225-a21c515e0873",[485],"Other",266,{"_type":11,"current":488},"join-our-discord","Connect with the stub community","Join our discord",{"_id":492,"category":493,"navigationlabel":494,"order":22,"slug":495,"subtitle":497,"title":498},"29499b12-8321-4910-b270-965496db9567",[71],"How to mark invoices as paid in stub",{"_type":11,"current":496},"how-to-mark-invoices-as-paid","A few easy ways to close off an invoice once your customer has paid - whether they paid through stub, by EFT, or in cash.","How to mark invoices as paid",{"_id":500,"category":501,"navigationlabel":502,"order":22,"slug":503,"subtitle":505,"title":502},"9a56e63d-047f-4fd4-ac23-7170cf846024",[71],"How to set up payment reminders",{"_type":11,"current":504},"payment-reminders","Stop chasing, start getting paid",{"_id":507,"category":508,"navigationlabel":509,"order":22,"slug":510,"subtitle":512,"title":513},"a373dc9a-059b-43fb-9c81-30a1be3a674a",[317],"Adding variants in stub",{"_type":11,"current":511},"how-to-add-product-variants-in-stub","One product line, all the flavours. Sell in different sizes, colours, or options without cluttering your catalogue.","How to add product variants in stub",{"_id":515,"category":516,"navigationlabel":22,"order":22,"slug":517,"subtitle":519,"title":520},"a535743a-6460-45ee-bff2-f655f5560140",[273],{"_type":11,"current":518},"categorise-income-and-expenses","It's easy peasy, lemon squeezy 🍋","Categorising income & expenses",{"_id":522,"category":523,"navigationlabel":524,"order":22,"slug":525,"subtitle":527,"title":524},"ad26f841-8b91-4dfa-b047-65fc5a57f662",[7],"Switching to stub in seconds",{"_type":11,"current":526},"switching-to-stub-in-seconds-legacy","Literally, in seconds. ",{"_id":529,"category":22,"navigationlabel":530,"order":22,"slug":531,"subtitle":533,"title":530},"b19c369b-83c3-42a6-9c89-28644ce1d02a","Day-one checklist",{"_type":11,"current":532},"day-one-checklist","Everything to set up on your first day in stub, in order.",{"_id":535,"category":536,"navigationlabel":537,"order":22,"slug":538,"subtitle":540,"title":541},"c98ab47f-b4e6-4c94-b715-e7a432b671fa",[71],"Customer accounts and payments",{"_type":11,"current":539},"how-to-set-up-customer-accounts","pre-load credit, draw it down later","How to set up Customer accounts & account payments",{"_id":543,"category":544,"navigationlabel":545,"order":22,"slug":546,"subtitle":548,"title":549},"d07cd0dc-04bc-46cf-83b9-e13885bec63c",[273],"Purchases",{"_type":11,"current":547},"purchases-bills-purchase-orders--debit-notes","Track what you owe, what you've ordered, and what needs adjusting - all in one place.","Purchases: Bills, Purchase Orders & Debit Notes",{"_id":551,"category":552,"navigationlabel":553,"order":22,"slug":554,"subtitle":556,"title":553},"e19a0990-22b3-4de4-8700-2fd97947069d",[7],"How to get your documents into stub",{"_type":11,"current":555},"how-to-get-your-documents-into-stub","Forward invoices, receipts, or any business doc to your unique stub email — or upload them straight into Files.",{"_id":558,"category":559,"navigationlabel":560,"order":22,"slug":561,"subtitle":563,"title":564},"e48dee37-728d-450a-8de9-bc81b3d83f63",[18],"How to manage app sync",{"_type":11,"current":562},"app-sync-legacy","keep your apps in sync, automatically","App Sync",{"_id":566,"category":567,"navigationlabel":568,"order":22,"slug":569,"subtitle":571,"title":568},"fd016c4a-342e-49d1-a0ff-76fb7aee4814",[71],"How to set up recurring invoices",{"_type":11,"current":570},"recurring-invoices","set it once, let stub do the sending",{"_id":573,"category":22,"navigationlabel":416,"order":22,"slug":574,"subtitle":576,"title":577},"guide-accounting-101-lets-crack-this-nut",{"_type":11,"current":575},"accounting-101-lets-crack-this-nut","The bits of accounting you actually need to run a business — the five account types, profit, what you're owed and what you owe — without the textbook.","Accounting 101: the basics for business owners",{"_id":579,"category":22,"navigationlabel":580,"order":22,"slug":581,"subtitle":583,"title":584},"guide-add-and-manage-customers","Add customers",{"_type":11,"current":582},"add-and-manage-customers","Set up the people you bill once and every invoice, quote, statement and reminder fills itself in — plus how to star, tag and import them.","Add and manage customers",{"_id":586,"category":22,"navigationlabel":587,"order":22,"slug":588,"subtitle":590,"title":591},"guide-add-and-manage-suppliers","Add suppliers",{"_type":11,"current":589},"add-and-manage-suppliers","Set up the businesses you buy from once and every bill, expense and purchase order fills itself in — plus how to star, tag and import them.","Add and manage suppliers",{"_id":593,"category":22,"navigationlabel":594,"order":22,"slug":595,"subtitle":597,"title":598},"guide-add-or-change-a-business-owner","Change owner",{"_type":11,"current":596},"add-or-change-a-business-owner","Make a partner a co-owner, or hand the business over entirely — ownership is a role several people can hold, set from Settings → Team.","Add or change a business owner",{"_id":600,"category":22,"navigationlabel":601,"order":22,"slug":602,"subtitle":604,"title":605},"guide-add-vat-to-income-and-expenses","VAT on income & expenses",{"_type":11,"current":603},"add-vat-to-income-and-expenses","The VAT is already inside the amount you recorded — pick the rate on an income or expense and stub works out the tax portion for you.","Add VAT to income and expenses",{"_id":607,"category":22,"navigationlabel":608,"order":22,"slug":609,"subtitle":611,"title":612},"guide-add-your-logo-and-brand-colours","Branding",{"_type":11,"current":610},"add-your-logo-and-brand-colours","Put your logo, accent colour and standard wording on every invoice, quote and payment page stub sends — both live under Settings → Business.","Add your logo and brand colours",{"_id":614,"category":22,"navigationlabel":615,"order":22,"slug":616,"subtitle":618,"title":619},"guide-app-sync","App sync & settings",{"_type":11,"current":617},"app-sync","Turn on background sync so an app's data flows into stub on its own, then set its start date, location and tips account.","Keep a connected app in sync",{"_id":621,"category":22,"navigationlabel":622,"order":22,"slug":623,"subtitle":625,"title":626},"guide-archive-or-delete-customers-and-suppliers","Archive or delete",{"_type":11,"current":624},"archive-or-delete-customers-and-suppliers","Tidy your customer and supplier lists without losing the invoices, payments and tax history attached to them — and unarchive at any time.","Archive or delete customers and suppliers",{"_id":628,"category":22,"navigationlabel":629,"order":22,"slug":630,"subtitle":632,"title":633},"guide-asset-register","Review assets",{"_type":11,"current":631},"asset-register","See everything the business owns, what each item is worth now after depreciation, and what's already been written off or disposed of.","Review your asset register",{"_id":635,"category":22,"navigationlabel":636,"order":22,"slug":637,"subtitle":639,"title":640},"guide-attach-files-to-an-invoice","Attach files",{"_type":11,"current":638},"attach-files-to-an-invoice","Add a receipt, signed order form or photo to an invoice so the paperwork travels with it — attachments live in the invoice's Options panel.","Attach files to an invoice",{"_id":642,"category":22,"navigationlabel":643,"order":22,"slug":644,"subtitle":646,"title":647},"guide-balance-sheet-report","Balance Sheet & Trial Balance",{"_type":11,"current":645},"balance-sheet-report","What your business owns and owes on any date, and the Trial Balance that proves the books add up — including what to do when it doesn't.","Balance Sheet and Trial Balance",{"_id":649,"category":22,"navigationlabel":650,"order":22,"slug":651,"subtitle":653,"title":654},"guide-cancel-or-close-account","Cancel or close",{"_type":11,"current":652},"cancel-or-close-account","Three different things — stop paying, delete a business, or close your login for good — and what happens to your records in each case.","Cancel your subscription or close your account",{"_id":656,"category":22,"navigationlabel":657,"order":22,"slug":658,"subtitle":660,"title":661},"guide-cash-accounts","Cash accounts",{"_type":11,"current":659},"cash-accounts","Give your till, your petty cash tin and your payment wallets their own accounts in stub, so cash never gets tangled up with your bank balance.","Set up your cash accounts",{"_id":663,"category":22,"navigationlabel":664,"order":22,"slug":665,"subtitle":667,"title":119},"guide-cash-flow-report","Cash Flow",{"_type":11,"current":666},"cash-flow-report","The money that actually moved in and out, and what's left — the report that tells you whether you can pay the rent on Friday.",{"_id":669,"category":22,"navigationlabel":670,"order":22,"slug":671,"subtitle":673,"title":674},"guide-change-billing-date","Billing date",{"_type":11,"current":672},"change-billing-date","Move the day stub bills you so it lands when the money's there — up to 31 days later, with a pro-rata charge for the extra days.","Change your billing date",{"_id":676,"category":22,"navigationlabel":374,"order":22,"slug":677,"subtitle":679,"title":680},"guide-chart-of-accounts",{"_type":11,"current":678},"chart-of-accounts","Adjust the categories every transaction gets filed under so your reports speak your language — add, rename, group and archive accounts.","Customise your Chart of Accounts",{"_id":682,"category":22,"navigationlabel":683,"order":22,"slug":684,"subtitle":686,"title":687},"guide-chase-unpaid-invoices","Track & chase invoices",{"_type":11,"current":685},"chase-unpaid-invoices","See where every invoice stands on the Sales list, filter down to what's overdue, and let scheduled payment reminders do the chasing for you.","Track and chase unpaid invoices",{"_id":689,"category":22,"navigationlabel":690,"order":22,"slug":691,"subtitle":693,"title":694},"guide-connect-absa","Connect Absa",{"_type":11,"current":692},"connect-absa","Link your Absa account so transactions arrive in stub automatically every day — access number, PIN and password, then an approval step.","Connect Absa to stub",{"_id":696,"category":22,"navigationlabel":697,"order":22,"slug":698,"subtitle":700,"title":701},"guide-connect-fnb","Connect FNB",{"_type":11,"current":699},"connect-fnb","Link your FNB account so transactions arrive in stub automatically every day — online banking login, plus approval by Smart InContact.","Connect FNB to stub",{"_id":703,"category":22,"navigationlabel":704,"order":22,"slug":705,"subtitle":707,"title":708},"guide-connect-nedbank","Connect Nedbank",{"_type":11,"current":706},"connect-nedbank","Link your Nedbank account so transactions arrive in stub automatically every day — Nedbank ID login, plus an approval in the app.","Connect Nedbank to stub",{"_id":710,"category":22,"navigationlabel":711,"order":22,"slug":712,"subtitle":714,"title":715},"guide-connect-rmb-private-bank","Connect RMB Private Bank",{"_type":11,"current":713},"connect-rmb-private-bank","Link your RMB Private Bank account so transactions arrive in stub automatically every day — online banking login, plus an approval step.","Connect RMB Private Bank to stub",{"_id":717,"category":22,"navigationlabel":718,"order":22,"slug":719,"subtitle":721,"title":722},"guide-connect-standard-bank","Connect Standard Bank",{"_type":11,"current":720},"connect-standard-bank","Link your Standard Bank account so transactions arrive in stub automatically every day — internet banking login, plus an approval step.","Connect Standard Bank to stub",{"_id":724,"category":22,"navigationlabel":725,"order":22,"slug":726,"subtitle":728,"title":729},"guide-connect-streamelements","Connect StreamElements",{"_type":11,"current":727},"connect-streamelements","Alert your stream the moment someone pays or donates through your stub payment page — connect StreamElements under Settings → Apps.","Connect StreamElements to stub",{"_id":731,"category":22,"navigationlabel":732,"order":22,"slug":733,"subtitle":735,"title":736},"guide-connect-your-bank","Connect your bank",{"_type":11,"current":734},"connect-your-bank","Link your business bank account so transactions flow into stub instead of being typed up — where the setting lives, and who is allowed to do it.","Connect your bank account",{"_id":738,"category":22,"navigationlabel":739,"order":22,"slug":740,"subtitle":742,"title":743},"guide-connecting-your-bank-to-stub","Connect bank feeds",{"_type":11,"current":741},"connecting-your-bank-to-stub","Link your business bank account and your transactions arrive in stub every day — no downloading statements, no retyping. Owner-only.","Connect your bank to stub",{"_id":745,"category":22,"navigationlabel":746,"order":22,"slug":747,"subtitle":749,"title":750},"guide-create-and-manage-tags","Tags",{"_type":11,"current":748},"create-and-manage-tags","Label invoices, bills and expenses by project, branch, channel or campaign, so you can report on each one separately later.","Create and manage tags",{"_id":752,"category":22,"navigationlabel":753,"order":22,"slug":754,"subtitle":756,"title":757},"guide-custom-reports-with-tags","Report by tag",{"_type":11,"current":755},"custom-reports-with-tags","Split any report by tag to see which job, site, channel or campaign actually made money — not just whether the business as a whole did.","Report by project, branch or campaign",{"_id":759,"category":22,"navigationlabel":760,"order":22,"slug":761,"subtitle":763,"title":764},"guide-custom-views-and-filters","Customise your views",{"_type":11,"current":762},"custom-views-and-filters","Filter and sort any list in stub the way you like it, name it, and it sits at the top of the page as a one-click saved view.","Custom views and filters",{"_id":766,"category":22,"navigationlabel":767,"order":22,"slug":768,"subtitle":770,"title":771},"guide-customer-and-supplier-opening-balances","Opening balances (contacts)",{"_type":11,"current":769},"customer-and-supplier-opening-balances","Record what customers already owed you, and what you owed suppliers, on the day you started in stub — one opening balance per contact.","Customer and supplier opening balances",{"_id":773,"category":22,"navigationlabel":774,"order":22,"slug":775,"subtitle":777,"title":778},"guide-customer-and-supplier-statements","Statements",{"_type":11,"current":776},"customer-and-supplier-statements","Run a dated account history for any customer or supplier — everything billed, everything paid, and the closing balance — as a PDF or a CSV.","Send a customer or supplier statement",{"_id":780,"category":22,"navigationlabel":781,"order":22,"slug":782,"subtitle":784,"title":785},"guide-customer-payment-history","Customer history",{"_type":11,"current":783},"customer-payment-history","Every invoice, quote, payment and income entry for one customer on one page, with total outstanding and total paid at the top.","See a customer's payment history",{"_id":787,"category":22,"navigationlabel":788,"order":22,"slug":789,"subtitle":791,"title":792},"guide-debit-notes","Debit notes",{"_type":11,"current":790},"debit-notes","Record goods returned to a supplier, or a bill they overcharged you on — a debit note says the supplier owes you, and closes the loop on the bill.","Raise a debit note",{"_id":794,"category":22,"navigationlabel":795,"order":22,"slug":796,"subtitle":798,"title":799},"guide-default-accounts","Default accounts",{"_type":11,"current":797},"default-accounts","Tell stub which accounts to post sales, discounts, online payments, transfers, asset disposals and payables to — set once under Finance.","Set your default accounts",{"_id":801,"category":22,"navigationlabel":802,"order":22,"slug":803,"subtitle":805,"title":806},"guide-default-tax-rates-on-items","Tax on items",{"_type":11,"current":804},"default-tax-rates-on-items","Set the VAT or Sales Tax rate once on a product or service and every invoice, quote, bill and purchase order works the tax out for you.","Set a default tax rate on an item",{"_id":808,"category":22,"navigationlabel":809,"order":22,"slug":810,"subtitle":812,"title":813},"guide-dispose-of-or-sell-an-asset","Dispose of an asset",{"_type":11,"current":811},"dispose-of-or-sell-an-asset","Take an asset off your books when you sell, scrap or retire it — depreciation stops on the disposal date and stub posts the gain or loss.","Dispose of or sell an asset",{"_id":815,"category":22,"navigationlabel":816,"order":22,"slug":817,"subtitle":819,"title":820},"guide-download-stub-invoices","stub tax invoices",{"_type":11,"current":818},"download-stub-invoices","Get the tax invoices for your own stub subscription, for your records and your VAT claim — under Settings → Billing → Tax invoices.","Download your stub tax invoices",{"_id":822,"category":22,"navigationlabel":823,"order":22,"slug":824,"subtitle":826,"title":827},"guide-financial-statements","Financial statements",{"_type":11,"current":825},"financial-statements","Pick the reports, set the period, drag them into the order you want and download one branded PDF for your bank, your accountant or your board.","Financial statements: build a management report pack",{"_id":829,"category":22,"navigationlabel":830,"order":22,"slug":831,"subtitle":833,"title":834},"guide-find-your-account-id","IDs & keys",{"_type":11,"current":832},"find-your-account-id","Where to find your API key, Business ID, Profile ID, MCP server address and App IDs in stub — and what each one is actually for.","Find your account ID, business ID and keys",{"_id":836,"category":22,"navigationlabel":349,"order":22,"slug":837,"subtitle":839,"title":840},"guide-general-ledger",{"_type":11,"current":838},"general-ledger","The master log of every transaction in your books — filter to one account, follow the running balance, and click any line through to its source.","View your General Ledger",{"_id":842,"category":22,"navigationlabel":843,"order":22,"slug":844,"subtitle":846,"title":847},"guide-handle-personal-expenses","Personal expenses",{"_type":11,"current":845},"handle-personal-expenses","Keep personal buys out of your profit and claim back the business costs you paid for yourself — how to categorise drawings and reimbursements.","Handle personal spending on a business account",{"_id":849,"category":22,"navigationlabel":850,"order":22,"slug":851,"subtitle":853,"title":854},"guide-how-to-add-a-manual-entry","Manual entries",{"_type":11,"current":852},"how-to-add-a-manual-entry","Record the handful of adjustments that don't come from an invoice, bill or bank feed — a debit line and a credit line that have to balance.","Post a manual journal entry",{"_id":856,"category":22,"navigationlabel":857,"order":22,"slug":858,"subtitle":860,"title":861},"guide-how-to-add-assets","Record an asset",{"_type":11,"current":859},"how-to-add-assets","Log the expensive things your business owns — vehicles, laptops, machinery — so they sit on your Balance Sheet instead of vanishing into expenses.","Record a business asset",{"_id":863,"category":22,"navigationlabel":864,"order":22,"slug":865,"subtitle":867,"title":868},"guide-how-to-add-depreciation","Depreciation",{"_type":11,"current":866},"how-to-add-depreciation","Spread the cost of expensive gear across the years you use it — pick straight line or diminishing value and stub posts it every month.","Calculate and record depreciation",{"_id":870,"category":22,"navigationlabel":871,"order":22,"slug":872,"subtitle":874,"title":398},"guide-how-to-add-loans-and-liabilities","Loans & liabilities",{"_type":11,"current":873},"how-to-add-loans-and-liabilities","Track what the business owes — bank loans, vehicle finance, and the money you've put in yourself — and let stub post the repayments.",{"_id":876,"category":22,"navigationlabel":877,"order":22,"slug":878,"subtitle":880,"title":881},"guide-how-to-add-vat-to-invoices","VAT on invoices",{"_type":11,"current":879},"how-to-add-vat-to-invoices","Switch VAT on once, then apply it per line item so every invoice you send is a valid tax invoice with your VAT number on it.","Add VAT to an invoice",{"_id":883,"category":22,"navigationlabel":318,"order":22,"slug":884,"subtitle":886,"title":887},"guide-how-to-add-your-products-and-services",{"_type":11,"current":885},"how-to-add-your-products-and-services","Save what you sell once — name, price, cost price, units and tax — then pull it onto any invoice, quote or purchase order in a click.","Add products and services",{"_id":889,"category":22,"navigationlabel":890,"order":22,"slug":891,"subtitle":893,"title":894},"guide-how-to-categorise-transactions","Categorise transactions",{"_type":11,"current":892},"how-to-categorise-transactions","stub categorises most of your bank transactions as they arrive and matches payments to invoices — your job is reviewing what's left over.","Categorise your transactions",{"_id":896,"category":22,"navigationlabel":897,"order":22,"slug":898,"subtitle":900,"title":901},"guide-how-to-connect-yoco-to-stub","Connect Yoco",{"_type":11,"current":899},"how-to-connect-yoco-to-stub","Connect your Yoco card machine and every card sale lands in your books automatically — what it syncs, and the categories it posts to.","Connect Yoco to stub",{"_id":903,"category":22,"navigationlabel":904,"order":22,"slug":905,"subtitle":907,"title":908},"guide-how-to-connect-your-capitec-account-to-stub-2-easy-ways","Connect Capitec",{"_type":11,"current":906},"how-to-connect-your-capitec-account-to-stub-2-easy-ways","Link a Capitec business or personal account so your transactions arrive in stub automatically — two routes to the same result.","Connect Capitec to stub",{"_id":910,"category":22,"navigationlabel":911,"order":22,"slug":912,"subtitle":914,"title":915},"guide-how-to-connect-your-investec-accounts-to-stub","Connect Investec",{"_type":11,"current":913},"how-to-connect-your-investec-accounts-to-stub","Link your Investec bank or savings accounts so transactions arrive in stub automatically — including several accounts at once.","Connect Investec to stub",{"_id":917,"category":22,"navigationlabel":242,"order":22,"slug":918,"subtitle":920,"title":921},"guide-how-to-create-a-credit-note",{"_type":11,"current":919},"how-to-create-a-credit-note","Reduce or cancel what a customer owes without deleting the original invoice — raise the credit note from the invoice and stub links the two.","Create a credit note",{"_id":923,"category":22,"navigationlabel":924,"order":22,"slug":925,"subtitle":927,"title":928},"guide-how-to-create-a-pro-forma-invoice","Pro-forma invoices",{"_type":11,"current":926},"how-to-create-a-pro-forma-invoice","A pro-forma invoice previews a real invoice — for customs, approvals or upfront payment. It records no income and no VAT until you invoice properly.","Pro-forma invoices: what they are and how to create one",{"_id":930,"category":22,"navigationlabel":931,"order":22,"slug":932,"subtitle":934,"title":935},"guide-how-to-create-and-send-quotes","Quotes & estimates",{"_type":11,"current":933},"how-to-create-and-send-quotes","Price the work before you do it, send the quote by email, PDF or WhatsApp, then turn the accepted one into an invoice in a click.","Create and send a quote",{"_id":937,"category":22,"navigationlabel":938,"order":22,"slug":939,"subtitle":941,"title":942},"guide-how-to-create-invoices","Invoices & orders",{"_type":11,"current":940},"how-to-create-invoices","Create an invoice or an order, add your line items, and send it by email, PDF or WhatsApp — with every setting on the invoice page explained.","Create and send an invoice",{"_id":944,"category":22,"navigationlabel":945,"order":22,"slug":946,"subtitle":948,"title":949},"guide-how-to-enable-online-payments","Payment links",{"_type":11,"current":947},"how-to-enable-online-payments","Switch on online payments to add a Pay Now button to every invoice, and claim your own payment link to share anywhere — plus what the fees are.","Get paid online with payment links",{"_id":951,"category":22,"navigationlabel":952,"order":22,"slug":953,"subtitle":955,"title":956},"guide-how-to-export-and-share-reports","Export & share reports",{"_type":11,"current":954},"how-to-export-and-share-reports","Download any stub report as a PDF or a CSV and send it to your accountant, your bank or your business partner — and which format suits which job.","Export and share a report",{"_id":958,"category":22,"navigationlabel":959,"order":22,"slug":960,"subtitle":962,"title":963},"guide-how-to-get-stub-on-your-phone","stub on mobile & desktop",{"_type":11,"current":961},"how-to-get-stub-on-your-phone","Put stub one tap away on your phone, tablet or computer — there's nothing to download from an app store, because stub is a web app.","Get stub on your phone or desktop",{"_id":965,"category":22,"navigationlabel":966,"order":22,"slug":967,"subtitle":969,"title":970},"guide-how-to-mark-an-invoice-as-paid","Settle or write off",{"_type":11,"current":968},"how-to-mark-an-invoice-as-paid","Record a payment, settle an invoice in one step, write off what won't be paid, or void one that should never have gone out.","Mark an invoice as paid, write it off or cancel it",{"_id":972,"category":22,"navigationlabel":973,"order":22,"slug":974,"subtitle":976,"title":977},"guide-how-to-record-income-and-expenses","Record income & expenses",{"_type":11,"current":975},"how-to-record-income-and-expenses","Log a sale or a cost yourself — from a bank transaction or from scratch — and know when something is income, an expense or an asset.","Record income and expenses",{"_id":979,"category":22,"navigationlabel":980,"order":22,"slug":981,"subtitle":983,"title":984},"guide-how-to-set-your-financial-year","Financial year & currency",{"_type":11,"current":982},"how-to-set-your-financial-year","The two settings every report is built on — the month your financial year starts, and the currency your books are kept in.","Set your financial year and currency",{"_id":986,"category":22,"navigationlabel":987,"order":22,"slug":988,"subtitle":990,"title":991},"guide-import-product-catalogue","Import products",{"_type":11,"current":989},"import-product-catalogue","Upload your product list — spreadsheet, CSV, PDF or photo — and stub reads it in. No template to download and no columns to map.","Import your product catalogue",{"_id":993,"category":22,"navigationlabel":994,"order":22,"slug":995,"subtitle":997,"title":998},"guide-income-tax","Income Tax",{"_type":11,"current":996},"income-tax","Tell stub who you file as — business type, tax regime, tax number and year end — and it prepares your income tax returns before they fall due.","Set up Income Tax",{"_id":1000,"category":22,"navigationlabel":86,"order":22,"slug":1001,"subtitle":1003,"title":1004},"guide-insights-dashboard",{"_type":11,"current":1002},"insights-dashboard","The one screen that answers how your business is doing right now — cash, profit, who owes you — without running a single report.","Your Insights dashboard",{"_id":1006,"category":22,"navigationlabel":1007,"order":22,"slug":1008,"subtitle":1010,"title":1011},"guide-inventory-management","Inventory & stock",{"_type":11,"current":1009},"inventory-management","Turn on stock tracking for an item and stub counts it for you — every sale takes the quantity off, with a stock figure and full movement history.","Track inventory and stock",{"_id":1013,"category":22,"navigationlabel":1014,"order":22,"slug":1015,"subtitle":1017,"title":1018},"guide-invite-your-team","Add your team",{"_type":11,"current":1016},"invite-your-team","Invite the people who help you run the business from Settings → Team, and choose what each of them can reach — Owner or Editor.","Invite your team",{"_id":1020,"category":22,"navigationlabel":1021,"order":22,"slug":1022,"subtitle":1024,"title":1021},"guide-invoice-numbers","Invoice numbers",{"_type":11,"current":1023},"invoice-numbers","stub numbers every invoice automatically and sequentially, as SARS requires — here's what you can change, what you can't, and why.",{"_id":1026,"category":22,"navigationlabel":1027,"order":22,"slug":1028,"subtitle":1030,"title":435},"guide-manage-multiple-businesses-in-stub","Multiple businesses",{"_type":11,"current":1029},"manage-multiple-businesses-in-stub","Keep separate businesses under one stub login and switch between them in a click — nothing is shared, and each has its own billing.",{"_id":1032,"category":22,"navigationlabel":1033,"order":22,"slug":1034,"subtitle":1036,"title":1037},"guide-manage-your-subscription","Subscription",{"_type":11,"current":1035},"manage-your-subscription","See which plan a business is on, what it costs and what your card fees are — then upgrade, change plan or cancel from Settings → Billing.","Manage your subscription and plan",{"_id":1039,"category":22,"navigationlabel":1040,"order":22,"slug":1041,"subtitle":1043,"title":1044},"guide-manage-your-team","Manage your team",{"_type":11,"current":1042},"manage-your-team","Bring co-founders, staff or your accountant into your books with their own login, and control what each of them can reach.","Manage your team and permissions",{"_id":1046,"category":22,"navigationlabel":1047,"order":22,"slug":1048,"subtitle":1050,"title":1051},"guide-match-bank-deposits-to-invoices","Match deposits to invoices",{"_type":11,"current":1049},"match-bank-deposits-to-invoices","Tie the money in your bank feed to the invoice it settles, so the payment closes the invoice instead of counting as income twice.","Match a bank deposit to an invoice",{"_id":1053,"category":22,"navigationlabel":1054,"order":22,"slug":1055,"subtitle":1057,"title":1058},"guide-multi-currency-and-exchange-rates","Multi-currency",{"_type":11,"current":1056},"multi-currency-and-exchange-rates","Invoice customers and pay suppliers in any currency while your books stay in one — stub pulls the rate and posts the gain or loss for you.","Multi-currency and exchange rates",{"_id":1060,"category":22,"navigationlabel":1061,"order":22,"slug":1062,"subtitle":1064,"title":1065},"guide-opening-balances","Opening balances",{"_type":11,"current":1063},"opening-balances","Bring your starting numbers in when you switch to stub — bank balances, what you're owed and what you owe — so every report starts from the truth.","Set your opening balances",{"_id":1067,"category":22,"navigationlabel":1068,"order":22,"slug":1069,"subtitle":1071,"title":1072},"guide-pay-supplier-bills","Pay bills",{"_type":11,"current":1070},"pay-supplier-bills","Record what you've paid against a bill so it closes and the total you owe stays right — link a payment already in stub, or enter a new one.","Pay a supplier bill",{"_id":1074,"category":22,"navigationlabel":1075,"order":22,"slug":1076,"subtitle":1078,"title":1079},"guide-payables-report","Payables",{"_type":11,"current":1077},"payables-report","Two reports covering every unpaid supplier bill — one for what's already late, one for what falls due next — so no payment surprises you.","Payables: what you owe and when it's due",{"_id":1081,"category":22,"navigationlabel":1082,"order":22,"slug":1083,"subtitle":1085,"title":110},"guide-profit--loss-report","Profit & Loss",{"_type":11,"current":1084},"profit--loss-report","What you earned, what it cost you and what was left — by month or by tag, so you can see when and where the profit actually came from.",{"_id":1087,"category":22,"navigationlabel":1088,"order":22,"slug":1089,"subtitle":1091,"title":1092},"guide-purchase-orders","Purchase orders",{"_type":11,"current":1090},"purchase-orders","Agree items, quantities and prices with a supplier before the goods ship, send the order like an invoice, then turn it into a bill on arrival.","Raise a purchase order",{"_id":1094,"category":22,"navigationlabel":1095,"order":22,"slug":1096,"subtitle":1098,"title":1099},"guide-receivables-report","Receivables",{"_type":11,"current":1097},"receivables-report","Two reports covering every unpaid invoice — one for what's already late, one for what's coming up — so you chase in the right order.","Receivables: who owes you money",{"_id":1101,"category":22,"navigationlabel":1102,"order":22,"slug":1103,"subtitle":1105,"title":1106},"guide-reconcile-your-bank-accounts","Reconcile accounts",{"_type":11,"current":1104},"reconcile-your-bank-accounts","Make what stub says is in your bank match what your bank says — work down the uncategorised list, then check the closing balances agree.","Reconcile your bank accounts",{"_id":1108,"category":22,"navigationlabel":1109,"order":22,"slug":1110,"subtitle":1112,"title":1113},"guide-record-and-track-supplier-bills","Record bills",{"_type":11,"current":1111},"record-and-track-supplier-bills","Capture what you owe a supplier and when it falls due, so nothing catches you out — and know when to record a bill instead of an expense.","Record and track supplier bills",{"_id":1115,"category":22,"navigationlabel":1116,"order":22,"slug":1117,"subtitle":1119,"title":1120},"guide-record-deposits-and-prepayments","Customer accounts & prepayments",{"_type":11,"current":1118},"record-deposits-and-prepayments","Hold a customer's deposit, advance or retainer as credit on their account, then apply it to an invoice once you raise it.","Record a deposit or prepayment",{"_id":1122,"category":22,"navigationlabel":1123,"order":22,"slug":1124,"subtitle":1126,"title":1127},"guide-recurring-expenses","Recurring expenses",{"_type":11,"current":1125},"recurring-expenses","stub doesn't repeat supplier bills, so here's how to handle rent, subscriptions and utilities — automatic paperwork into Files, plus a saved view.","Handle recurring expenses",{"_id":1129,"category":22,"navigationlabel":1130,"order":22,"slug":1131,"subtitle":1133,"title":1134},"guide-remove-a-bank-account","Remove a bank account",{"_type":11,"current":1132},"remove-a-bank-account","Disconnect an account you didn't mean to add — a personal one, or the wrong one — and clear out the transactions it brought in, in the right order.","Remove a bank account and its transactions",{"_id":1136,"category":22,"navigationlabel":1137,"order":22,"slug":1138,"subtitle":1140,"title":1141},"guide-reset-or-delete-your-business","Reset or delete",{"_type":11,"current":1139},"reset-or-delete-your-business","Restore from Trash, clear your cache, reset a business to empty, or delete it for good — four actions, in increasing order of permanence.","Reset or delete your business",{"_id":1143,"category":22,"navigationlabel":366,"order":22,"slug":1144,"subtitle":1146,"title":366},"guide-retained-earnings",{"_type":11,"current":1145},"retained-earnings","The profit your business has kept instead of paying out, why it sits under Equity on your Balance Sheet, and why you never have to touch it.",{"_id":1148,"category":22,"navigationlabel":1149,"order":22,"slug":1150,"subtitle":1152,"title":1153},"guide-sales-and-expenses-reports","Sales & expenses",{"_type":11,"current":1151},"sales-and-expenses-reports","Where your revenue comes from and where your money goes — sales by customer and product, expenses by category and supplier, and what the pair tell you.","Sales and expenses reports",{"_id":1155,"category":22,"navigationlabel":1156,"order":22,"slug":1157,"subtitle":1159,"title":1160},"guide-set-up-business-profile","Business profile",{"_type":11,"current":1158},"set-up-business-profile","Enter the name, registration and tax numbers, address and contact details that appear on every invoice, quote and tax report you send.","Set up your business details",{"_id":1162,"category":22,"navigationlabel":1163,"order":22,"slug":1164,"subtitle":1166,"title":1167},"guide-set-up-mcp","Set up MCP",{"_type":11,"current":1165},"set-up-mcp","Connect Claude, ChatGPT or another AI assistant to your live books with stub's hosted MCP server, and ask questions instead of running reports.","Connect an AI assistant with MCP",{"_id":1169,"category":22,"navigationlabel":1170,"order":22,"slug":1171,"subtitle":1173,"title":1174},"guide-split-transactions-across-categories","Split a transaction",{"_type":11,"current":1172},"split-transactions-across-categories","One payment, two or more categories — split a transaction and give each line its own category and amount until nothing is left over.","Split a transaction across categories",{"_id":1176,"category":22,"navigationlabel":1177,"order":22,"slug":1178,"subtitle":1180,"title":1181},"guide-switching-to-stub-in-seconds","Switching to stub",{"_type":11,"current":1179},"switching-to-stub-in-seconds","Move your books from another accounting app, a spreadsheet or a shoebox in four steps: pick a cutoff date, export, set stub up, then check the numbers match.","Switch to stub from another accounting app",{"_id":1183,"category":22,"navigationlabel":1184,"order":22,"slug":1185,"subtitle":1187,"title":1188},"guide-troubleshoot-api-errors","API errors",{"_type":11,"current":1186},"troubleshoot-api-errors","What 401, 403, 404, 429 and empty responses from the stub API mean, and the fix for each — usually a key, a business or a date range.","Troubleshoot stub API errors",{"_id":1190,"category":22,"navigationlabel":1191,"order":22,"slug":1192,"subtitle":1194,"title":1195},"guide-troubleshooting-unexpected-report-numbers","Report numbers look wrong",{"_type":11,"current":1193},"troubleshooting-unexpected-report-numbers","Six things to check when a report doesn't match what you expected — dates, cash versus accrual, uncategorised transactions, duplicates and tax.","Why your report numbers look wrong",{"_id":1197,"category":22,"navigationlabel":1198,"order":22,"slug":1199,"subtitle":1201,"title":1202},"guide-update-your-payment-card","Payment card",{"_type":11,"current":1200},"update-your-payment-card","Change the card stub bills, or fix a payment that failed — stub never stores your card, so both happen in the secure billing portal.","Update your payment card",{"_id":1204,"category":22,"navigationlabel":1205,"order":22,"slug":1206,"subtitle":1208,"title":1209},"guide-upload-files-to-stub","Importing your files",{"_type":11,"current":1207},"upload-files-to-stub","Send stub almost any file — a photo of a till slip, a PDF invoice, a bank statement or a spreadsheet — and it reads the data straight out of it.","Upload files to stub",{"_id":1211,"category":22,"navigationlabel":1212,"order":22,"slug":1213,"subtitle":1215,"title":1216},"guide-vat-and-sales-tax-report","VAT & Sales Tax reports",{"_type":11,"current":1214},"vat-and-sales-tax-report","What you collected for the tax authority, what you paid and can claim back, and what you owe — the reports your VAT return is built from.","VAT and Sales Tax reports",{"_id":1218,"category":22,"navigationlabel":1219,"order":22,"slug":1220,"subtitle":1222,"title":1223},"guide-vat-gst-and-sales-tax","VAT, GST & Sales Tax",{"_type":11,"current":1221},"vat-gst-and-sales-tax","Turn tax on once and stub adds it to everything you sell and buy, then prepares the return before it's due — VAT, GST or Sales Tax, whichever you file.","Set up VAT, GST or Sales Tax",{"_id":414,"_updatedAt":1225,"category":1226,"content":1227,"featuredimage":22,"pro":22,"subtitle":420,"title":421,"contentHtml":1928,"headings":1929},"2026-09-02T21:45:08Z",[60],[1228,1239,1249,1257,1265,1273,1281,1290,1298,1306,1314,1322,1330,1338,1346,1355,1367,1379,1391,1403,1415,1423,1431,1440,1452,1464,1476,1488,1500,1512,1524,1536,1548,1568,1580,1592,1612,1620,1632,1644,1656,1668,1676,1688,1700,1712,1724,1732,1744,1756,1768,1780,1792,1804,1816,1828,1836,1848,1860,1872,1880,1892,1904,1916],{"_key":1229,"_type":1230,"children":1231,"markDefs":1237,"style":1238},"1a8096455a44","block",[1232],{"_key":1233,"_type":1234,"marks":1235,"text":1236},"9448dd6901070","span",[],"Running a business is a bit more than having a good product or service. You need to be able to understand and manage your business's finances. Now, I am not saying you need to become an accounting guru overnight, but there are a few things you can’t afford to ignore. So we’re here to give you a little breakdown on a few things we think are important (in a way the everyday human can understand).",[],"normal",{"_key":1240,"_type":1230,"children":1241,"markDefs":1247,"style":1248},"0223b73e5438",[1242],{"_key":1243,"_type":1234,"marks":1244,"text":1246},"7756eeb04fa10",[1245],"strong","What is business accounting?",[],"h2",{"_key":1250,"_type":1230,"children":1251,"markDefs":1256,"style":1238},"119ca8ba6160",[1252],{"_key":1253,"_type":1234,"marks":1254,"text":1255},"3de12d4f9b490",[],"Business accounting is the process of tracking, recording, and analysing your business’s financial transactions (money coming in and going out of your business).",[],{"_key":1258,"_type":1230,"children":1259,"markDefs":1264,"style":1248},"3e56051d142a",[1260],{"_key":1261,"_type":1234,"marks":1262,"text":1263},"b20bf71d6e9b0",[1245],"Why is this important?",[],{"_key":1266,"_type":1230,"children":1267,"markDefs":1272,"style":1238},"54f86074aa48",[1268],{"_key":1269,"_type":1234,"marks":1270,"text":1271},"64e859256d7d0",[],"Understanding where your business stands financially gives you the information you need to make decisions about pricing, spending, investments, and growth for your business.",[],{"_key":1274,"_type":1230,"children":1275,"markDefs":1280,"style":1238},"d226d9d79ee3",[1276],{"_key":1277,"_type":1234,"marks":1278,"text":1279},"f8c9c9eece820",[],"It can seem like a massive topic, but for small businesses, it essentially boils down to:",[],{"_key":1282,"_type":1230,"children":1283,"level":9,"listItem":1288,"markDefs":1289,"style":1238},"7f68ec09f08b",[1284],{"_key":1285,"_type":1234,"marks":1286,"text":1287},"f64709e310cb0",[],"Tracking your money (recording your income and expenses)","bullet",[],{"_key":1291,"_type":1230,"children":1292,"level":9,"listItem":1288,"markDefs":1297,"style":1238},"d11b77fb24d0",[1293],{"_key":1294,"_type":1234,"marks":1295,"text":1296},"caffc2e4d6810",[],"Understanding and generating financial reports",[],{"_key":1299,"_type":1230,"children":1300,"level":9,"listItem":1288,"markDefs":1305,"style":1238},"cc7a5bf22788",[1301],{"_key":1302,"_type":1234,"marks":1303,"text":1304},"25e9965a1ee70",[],"Submitting tax returns",[],{"_key":1307,"_type":1230,"children":1308,"markDefs":1313,"style":1238},"a45686359289",[1309],{"_key":1310,"_type":1234,"marks":1311,"text":1312},"d9c556f5a9550",[],"Accounting software, like stub, changes the way you as a business owner can take control of your business’s finances and do your basic accounting. And we know you can do it!",[],{"_key":1315,"_type":1230,"children":1316,"markDefs":1321,"style":1248},"c72e3229797a",[1317],{"_key":1318,"_type":1234,"marks":1319,"text":1320},"042d700d10e20",[1245],"Accounting basics",[],{"_key":1323,"_type":1230,"children":1324,"markDefs":1329,"style":1238},"8c68d2fdb5df",[1325],{"_key":1326,"_type":1234,"marks":1327,"text":1328},"dad81a5c24ea0",[],"To track and organise your business’s transactions so you know where your money is coming from and going to, each transaction needs to be categorised into one of your business's primary accounts within your Chart of Accounts.",[],{"_key":1331,"_type":1230,"children":1332,"markDefs":1337,"style":1248},"3225b95affd8",[1333],{"_key":1334,"_type":1234,"marks":1335,"text":1336},"a288a73799dd0",[1245],"Your business account categories",[],{"_key":1339,"_type":1230,"children":1340,"markDefs":1345,"style":1238},"0b7f42a4a744",[1341],{"_key":1342,"_type":1234,"marks":1343,"text":1344},"9ccf3b29ec850",[],"Your business's finances are made up of the 5 main account categories. These categories basically split up your finances so you can easily see how much you’ve made, how much you’ve spent, how much you owe, how much is owed to you, and what's left over. This is also known in the accounty world as your Chart of Accounts.",[],{"_key":1347,"_type":1230,"children":1348,"markDefs":1353,"style":1354},"b977b1ad023c",[1349],{"_key":1350,"_type":1234,"marks":1351,"text":1352},"1aef442180290",[],"Let’s break down the categories:",[],"h4",{"_key":1356,"_type":1230,"children":1357,"markDefs":1366,"style":1238},"f2de8f0f34f6",[1358,1362],{"_key":1359,"_type":1234,"marks":1360,"text":1361},"0632c2fb71f60",[1245],"What you have made (Income):",{"_key":1363,"_type":1234,"marks":1364,"text":1365},"0632c2fb71f61",[]," also known as revenue is the amount you make from selling goods or services to customers or from other forms of income like investments",[],{"_key":1368,"_type":1230,"children":1369,"markDefs":1378,"style":1238},"f70ad78d0ec7",[1370,1374],{"_key":1371,"_type":1234,"marks":1372,"text":1373},"bd8377dc96d00",[1245],"What you have spent (Expenses):",{"_key":1375,"_type":1234,"marks":1376,"text":1377},"bd8377dc96d01",[]," is the money your business spends on items, goods or services to keep your business running",[],{"_key":1380,"_type":1230,"children":1381,"markDefs":1390,"style":1238},"ab27e92d6988",[1382,1386],{"_key":1383,"_type":1234,"marks":1384,"text":1385},"1659b1387ce20",[1245],"What you own (Assets):",{"_key":1387,"_type":1234,"marks":1388,"text":1389},"1659b1387ce21",[]," are things that your business buys and owns that add value to your business. They can help you make money and keep you running. Everything from your office furniture, computers and cars to things such as patents and trademarks are considered assets.",[],{"_key":1392,"_type":1230,"children":1393,"markDefs":1402,"style":1238},"e56d45815d0c",[1394,1398],{"_key":1395,"_type":1234,"marks":1396,"text":1397},"6a83e0a3a3e60",[1245],"What you owe (Liabilities):",{"_key":1399,"_type":1234,"marks":1400,"text":1401},"6a83e0a3a3e61",[]," if your business owes money, you have liabilities. Any money you owe to suppliers, loans or VAT is a liability to your business.",[],{"_key":1404,"_type":1230,"children":1405,"markDefs":1414,"style":1238},"092daa0001e6",[1406,1410],{"_key":1407,"_type":1234,"marks":1408,"text":1409},"6e6c54024b540",[1245],"What you have left over (Equity):",{"_key":1411,"_type":1234,"marks":1412,"text":1413},"6e6c54024b541",[]," is what your business has after you subtract your liabilities from your assets. Basically, it's what's left over for you if you sell all your assets and pay off all your debts.",[],{"_key":1416,"_type":1230,"children":1417,"markDefs":1422,"style":1248},"a1166e6727db",[1418],{"_key":1419,"_type":1234,"marks":1420,"text":1421},"878a9a5e60800",[1245],"Basic accounting terms",[],{"_key":1424,"_type":1230,"children":1425,"markDefs":1430,"style":1238},"467534dff879",[1426],{"_key":1427,"_type":1234,"marks":1428,"text":1429},"4ef18c08e5310",[],"Here are a few terms you may have come across, or haven't heard of at all. Either way, we hope these explanations can help give you the information you need to feel a bit more confident about accounting.",[],{"_key":1432,"_type":1230,"children":1433,"markDefs":1438,"style":1439},"d89c8b0bb1e2",[1434],{"_key":1435,"_type":1234,"marks":1436,"text":1437},"7ce58d4405290",[1245],"General accounting terms",[],"h3",{"_key":1441,"_type":1230,"children":1442,"markDefs":1451,"style":1238},"23bfc9dbefb2",[1443,1447],{"_key":1444,"_type":1234,"marks":1445,"text":1446},"b8ff81d152f00",[1245],"Accounting period: ",{"_key":1448,"_type":1234,"marks":1449,"text":1450},"b8ff81d152f01",[],"A period of time that you track your business's financial transactions. These accounting periods can be yearly, quarterly or monthly.",[],{"_key":1453,"_type":1230,"children":1454,"markDefs":1463,"style":1238},"dfba30d13b0e",[1455,1459],{"_key":1456,"_type":1234,"marks":1457,"text":1458},"6542b9b1ec0d0",[1245],"Accrual-based accounting: ",{"_key":1460,"_type":1234,"marks":1461,"text":1462},"6542b9b1ec0d1",[],"looks at money that will be coming in or going out of the business before money has actually been paid. It accounts for income as soon as an invoice is generated for a customer even if it has not been paid yet.",[],{"_key":1465,"_type":1230,"children":1466,"markDefs":1475,"style":1238},"bc91712d3ba6",[1467,1471],{"_key":1468,"_type":1234,"marks":1469,"text":1470},"b57f67957b2c0",[1245],"Cash-based accounting:",{"_key":1472,"_type":1234,"marks":1473,"text":1474},"b57f67957b2c1",[]," accounts for income that has been received and expenses that have been paid.",[],{"_key":1477,"_type":1230,"children":1478,"markDefs":1487,"style":1238},"188a622a762b",[1479,1483],{"_key":1480,"_type":1234,"marks":1481,"text":1482},"555bd0f8e9150",[1245],"Capital: ",{"_key":1484,"_type":1234,"marks":1485,"text":1486},"555bd0f8e9151",[],"This is your business’s financial assets. For example, capital could mean the money you have in the bank or the money you have received from financing.",[],{"_key":1489,"_type":1230,"children":1490,"markDefs":1499,"style":1238},"9a6fb1f9d9f1",[1491,1495],{"_key":1492,"_type":1234,"marks":1493,"text":1494},"984d8bc85e6c0",[1245],"Cashflow: ",{"_key":1496,"_type":1234,"marks":1497,"text":1498},"984d8bc85e6c1",[],"The money that comes in and goes out of your business. Cashflow refers to the sum of money a business generates from operations, financing, and investments.",[],{"_key":1501,"_type":1230,"children":1502,"markDefs":1511,"style":1238},"e4b0e6dcfbbe",[1503,1507],{"_key":1504,"_type":1234,"marks":1505,"text":1506},"8e07467195a00",[1245],"Financial year: ",{"_key":1508,"_type":1234,"marks":1509,"text":1510},"8e07467195a01",[],"This is the time period that your finances are tracked over one year. In South Africa, the fiscal year normally runs from the 1st of March to the 29th of February",[],{"_key":1513,"_type":1230,"children":1514,"markDefs":1523,"style":1238},"9b7ab852fd44",[1515,1519],{"_key":1516,"_type":1234,"marks":1517,"text":1518},"84a28059243b0",[1245],"General ledger: ",{"_key":1520,"_type":1234,"marks":1521,"text":1522},"84a28059243b1",[],"General ledgers are where all your information comes together from inventory, sales, cash in, and cash out. General ledgers are used mostly by accountants to record financial transactions and have information that helps businesses prepare financial reports and analyse their financial health over time.",[],{"_key":1525,"_type":1230,"children":1526,"markDefs":1535,"style":1238},"351b71e40d23",[1527,1531],{"_key":1528,"_type":1234,"marks":1529,"text":1530},"b86da538aefa0",[1245],"Gross profit: ",{"_key":1532,"_type":1234,"marks":1533,"text":1534},"b86da538aefa1",[],"The profit a business makes after considering all the costs of supplying services or creating and selling goods. You calculate gross profit by subtracting the costs of goods from your income.",[],{"_key":1537,"_type":1230,"children":1538,"markDefs":1547,"style":1238},"28b23e5ee576",[1539,1543],{"_key":1540,"_type":1234,"marks":1541,"text":1542},"60c74e23bf4d0",[1245],"Journals: ",{"_key":1544,"_type":1234,"marks":1545,"text":1546},"60c74e23bf4d1",[],"A business transaction can be recorded as a journal entry in your business’s general ledger. A journal entry could include the date of entry, account information, debit, and credit, and a description of the transaction. This is used mostly by accountants.",[],{"_key":1549,"_type":1230,"children":1550,"markDefs":1567,"style":1238},"5063d6741d87",[1551,1555,1559,1563],{"_key":1552,"_type":1234,"marks":1553,"text":1554},"86d0b5b49c850",[1245],"Net profit:",{"_key":1556,"_type":1234,"marks":1557,"text":1558},"86d0b5b49c851",[]," is the selling price of your goods\u002Fservices minus ",{"_key":1560,"_type":1234,"marks":1561,"text":1562},"86d0b5b49c852",[1245],"ALL",{"_key":1564,"_type":1234,"marks":1565,"text":1566},"86d0b5b49c853",[]," the costs of running your business",[],{"_key":1569,"_type":1230,"children":1570,"markDefs":1579,"style":1238},"21cb05fdeab3",[1571,1575],{"_key":1572,"_type":1234,"marks":1573,"text":1574},"0a751a14fff70",[1245],"Opening Balance:",{"_key":1576,"_type":1234,"marks":1577,"text":1578},"0a751a14fff71",[]," the amount of money a business has at the beginning of a specific accounting period",[],{"_key":1581,"_type":1230,"children":1582,"markDefs":1591,"style":1238},"970d58667d3a",[1583,1587],{"_key":1584,"_type":1234,"marks":1585,"text":1586},"7e3b6c805aeb0",[1245],"Closing Balance:",{"_key":1588,"_type":1234,"marks":1589,"text":1590},"7e3b6c805aeb1",[]," the amount of money a business has at the end of a specific accounting period",[],{"_key":1593,"_type":1230,"children":1594,"markDefs":1611,"style":1238},"11089b77123e",[1595,1599,1603,1607],{"_key":1596,"_type":1234,"marks":1597,"text":1598},"1de777a00bf30",[1245],"Credits & Debits: Credit",{"_key":1600,"_type":1234,"marks":1601,"text":1602},"1de777a00bf31",[]," is money going out of your business and these transactions are recorded on the right side of the general ledger. ",{"_key":1604,"_type":1234,"marks":1605,"text":1606},"1de777a00bf32",[1245],"Debit",{"_key":1608,"_type":1234,"marks":1609,"text":1610},"1de777a00bf33",[]," is money coming into your business and these transactions are recorded on the left side of the general ledger. Credits and Debits are key to double-entry accounting",[],{"_key":1613,"_type":1230,"children":1614,"markDefs":1619,"style":1439},"ffb700d9b0e6",[1615],{"_key":1616,"_type":1234,"marks":1617,"text":1618},"84e16e149af40",[1245],"Income terms",[],{"_key":1621,"_type":1230,"children":1622,"markDefs":1631,"style":1238},"bf692db90dba",[1623,1627],{"_key":1624,"_type":1234,"marks":1625,"text":1626},"d640458dba820",[1245],"Gain on foreign exchange: ",{"_key":1628,"_type":1234,"marks":1629,"text":1630},"d640458dba821",[],"The profit you have made on a foreign currency sale due to changing interest rates",[],{"_key":1633,"_type":1230,"children":1634,"markDefs":1643,"style":1238},"715dee4212f4",[1635,1639],{"_key":1636,"_type":1234,"marks":1637,"text":1638},"81a878f59b8a0",[1245],"Gain on sale of an asset: ",{"_key":1640,"_type":1234,"marks":1641,"text":1642},"81a878f59b8a1",[],"The profit you have made on the sale of a business asset",[],{"_key":1645,"_type":1230,"children":1646,"markDefs":1655,"style":1238},"352a5bd1bce6",[1647,1651],{"_key":1648,"_type":1234,"marks":1649,"text":1650},"799100c7c8a60",[1245],"Revenue:",{"_key":1652,"_type":1234,"marks":1653,"text":1654},"799100c7c8a61",[]," is the money the business generates by selling its products and\u002For delivering services",[],{"_key":1657,"_type":1230,"children":1658,"markDefs":1667,"style":1238},"bcb66d596d2f",[1659,1663],{"_key":1660,"_type":1234,"marks":1661,"text":1662},"deb7417beb4f0",[1245],"Owner Contributions: ",{"_key":1664,"_type":1234,"marks":1665,"text":1666},"deb7417beb4f1",[],"Any money that you, the owner, pay into the business",[],{"_key":1669,"_type":1230,"children":1670,"markDefs":1675,"style":1439},"51bacf6e7705",[1671],{"_key":1672,"_type":1234,"marks":1673,"text":1674},"b33a334c92180",[1245],"Expense terms",[],{"_key":1677,"_type":1230,"children":1678,"markDefs":1687,"style":1238},"37f3341ad387",[1679,1683],{"_key":1680,"_type":1234,"marks":1681,"text":1682},"29da2f1972870",[1245],"Fixed expenses:",{"_key":1684,"_type":1234,"marks":1685,"text":1686},"29da2f1972871",[]," are predictable. These expenses are consistent ‌ — ‌ you tend to know exactly what you’ll pay and when. These are typically expenses like Rent and Utilities",[],{"_key":1689,"_type":1230,"children":1690,"markDefs":1699,"style":1238},"24da1a456746",[1691,1695],{"_key":1692,"_type":1234,"marks":1693,"text":1694},"2a73173d9c630",[1245],"Variable expenses:",{"_key":1696,"_type":1234,"marks":1697,"text":1698},"2a73173d9c631",[]," change frequently, because they depend on factors such as sales, supplier costs and production rates. These are typically expenses like Deliveries & Shipping, Packaging, Advertising & Marketing etc",[],{"_key":1701,"_type":1230,"children":1702,"markDefs":1711,"style":1238},"9882973b0633",[1703,1707],{"_key":1704,"_type":1234,"marks":1705,"text":1706},"e280a6e0a5a60",[1245],"Loss on foreign exchange: ",{"_key":1708,"_type":1234,"marks":1709,"text":1710},"e280a6e0a5a61",[],"Any loss you have made on a foreign currency sale due to changing interest rates",[],{"_key":1713,"_type":1230,"children":1714,"markDefs":1723,"style":1238},"08b58bb6e54d",[1715,1719],{"_key":1716,"_type":1234,"marks":1717,"text":1718},"067c4ffc9d6d0",[1245],"Loss on sale of an asset: ",{"_key":1720,"_type":1234,"marks":1721,"text":1722},"067c4ffc9d6d1",[],"Any loss you have made on the sale of a business asset",[],{"_key":1725,"_type":1230,"children":1726,"markDefs":1731,"style":1439},"9dd71ea570ed",[1727],{"_key":1728,"_type":1234,"marks":1729,"text":1730},"e4910472f7b60",[1245],"Asset terms",[],{"_key":1733,"_type":1230,"children":1734,"markDefs":1743,"style":1238},"fe08c311eb42",[1735,1739],{"_key":1736,"_type":1234,"marks":1737,"text":1738},"317de256c9bd0",[1245],"Accounts receivable ",{"_key":1740,"_type":1234,"marks":1741,"text":1742},"317de256c9bd1",[],"This is the money customers owe you. The moment you send an invoice, it becomes a part of your receivables, until it's paid.",[],{"_key":1745,"_type":1230,"children":1746,"markDefs":1755,"style":1238},"3febc67dc791",[1747,1751],{"_key":1748,"_type":1234,"marks":1749,"text":1750},"149dc5f708800",[1245],"Cost of goods sold: ",{"_key":1752,"_type":1234,"marks":1753,"text":1754},"149dc5f708801",[],"Cost of goods sold, or COGS, is the total cost your business has paid out of pocket to sell a product or service. It represents the amount that the business must recover when selling an item to break even before bringing in a profit.",[],{"_key":1757,"_type":1230,"children":1758,"markDefs":1767,"style":1238},"e7ddf4598c22",[1759,1763],{"_key":1760,"_type":1234,"marks":1761,"text":1762},"3a7c22008e190",[1245],"Depreciation: ",{"_key":1764,"_type":1234,"marks":1765,"text":1766},"3a7c22008e191",[],"Over time your assets lose value due to use and wear and tear. The amount your asset devalues by each year is called depreciation",[],{"_key":1769,"_type":1230,"children":1770,"markDefs":1779,"style":1238},"ceab68183505",[1771,1775],{"_key":1772,"_type":1234,"marks":1773,"text":1774},"9771d05a3bee0",[1245],"Accumulated depreciation: ",{"_key":1776,"_type":1234,"marks":1777,"text":1778},"9771d05a3bee1",[],"Accumulated depreciation is the total of this depreciation to date.",[],{"_key":1781,"_type":1230,"children":1782,"markDefs":1791,"style":1238},"c97dc2198e34",[1783,1787],{"_key":1784,"_type":1234,"marks":1785,"text":1786},"c6475c56106a0",[1245],"Current assets: ",{"_key":1788,"_type":1234,"marks":1789,"text":1790},"c6475c56106a1",[],"Assets that the business owns and expects to use or sell within a year. They may also be called short-term assets.",[],{"_key":1793,"_type":1230,"children":1794,"markDefs":1803,"style":1238},"9f589856c30c",[1795,1799],{"_key":1796,"_type":1234,"marks":1797,"text":1798},"32cf939afab30",[1245],"Non-current or Fixed assets: ",{"_key":1800,"_type":1234,"marks":1801,"text":1802},"32cf939afab31",[],"Assets and property the business owns that will not be sold or converted to cash within a year. They may also be called long-term assets.",[],{"_key":1805,"_type":1230,"children":1806,"markDefs":1815,"style":1238},"4b4bd328767a",[1807,1811],{"_key":1808,"_type":1234,"marks":1809,"text":1810},"7fc55363dda80",[1245],"Inventory: ",{"_key":1812,"_type":1234,"marks":1813,"text":1814},"7fc55363dda81",[],"Refers to both the goods and products a business sells, as well as any raw materials that the business uses to make those products.",[],{"_key":1817,"_type":1230,"children":1818,"markDefs":1827,"style":1238},"75187cc9f935",[1819,1823],{"_key":1820,"_type":1234,"marks":1821,"text":1822},"0c31a9449eef0",[1245],"Liquidity: ",{"_key":1824,"_type":1234,"marks":1825,"text":1826},"0c31a9449eef1",[],"Simply how liquid your business is, how quickly a business would be able to convert assets into cash. Cash, the most liquid asset, can be converted easily into other assets",[],{"_key":1829,"_type":1230,"children":1830,"markDefs":1835,"style":1439},"b78c8ced960d",[1831],{"_key":1832,"_type":1234,"marks":1833,"text":1834},"736cd97363c80",[1245],"Liability terms",[],{"_key":1837,"_type":1230,"children":1838,"markDefs":1847,"style":1238},"ce1d3670f09d",[1839,1843],{"_key":1840,"_type":1234,"marks":1841,"text":1842},"5b426c658b9a0",[1245],"Accounts payable (Money owed to suppliers): ",{"_key":1844,"_type":1234,"marks":1845,"text":1846},"5b426c658b9a1",[],"As simple as it sounds… This is the money the business owes to suppliers for goods that have been invoiced for or received",[],{"_key":1849,"_type":1230,"children":1850,"markDefs":1859,"style":1238},"933aa97f87ed",[1851,1855],{"_key":1852,"_type":1234,"marks":1853,"text":1854},"7a605d8a55b10",[1245],"Dividends payable (Business profits Owed to Shareholders): ",{"_key":1856,"_type":1234,"marks":1857,"text":1858},"7a605d8a55b11",[],"Any profits made by the business that are owed to the business shareholders",[],{"_key":1861,"_type":1230,"children":1862,"markDefs":1871,"style":1238},"073f8a7893bf",[1863,1867],{"_key":1864,"_type":1234,"marks":1865,"text":1866},"434169b2d3330",[1245],"Shareholder loans (Money the Business Owes to Directors & Shareholders): ",{"_key":1868,"_type":1234,"marks":1869,"text":1870},"434169b2d3331",[],"Money is taken out of the business and loaned to directors and shareholders, which isn't a salary or dividends",[],{"_key":1873,"_type":1230,"children":1874,"markDefs":1879,"style":1439},"00221fdc11e0",[1875],{"_key":1876,"_type":1234,"marks":1877,"text":1878},"4b52c1651d7f0",[1245],"Equity terms",[],{"_key":1881,"_type":1230,"children":1882,"markDefs":1891,"style":1238},"885ba221d31a",[1883,1887],{"_key":1884,"_type":1234,"marks":1885,"text":1886},"b7523bca9a140",[1245],"Drawings (Dividends paid): ",{"_key":1888,"_type":1234,"marks":1889,"text":1890},"b7523bca9a141",[],"Any money or assets that have been taken out of the business by its owners",[],{"_key":1893,"_type":1230,"children":1894,"markDefs":1903,"style":1238},"125b7a6fc4f8",[1895,1899],{"_key":1896,"_type":1234,"marks":1897,"text":1898},"46f8418f01960",[1245],"Business owner contributions: ",{"_key":1900,"_type":1234,"marks":1901,"text":1902},"46f8418f01961",[],"Money or assets business owners have put into the business, either to start the business or keep it running",[],{"_key":1905,"_type":1230,"children":1906,"markDefs":1915,"style":1238},"3d00cb393659",[1907,1911],{"_key":1908,"_type":1234,"marks":1909,"text":1910},"a77d446f6cde0",[1245],"Retained earnings:",{"_key":1912,"_type":1234,"marks":1913,"text":1914},"a77d446f6cde1",[]," are net profits that a business holds onto (retains), to help fund the business's future. It is effectively a chunk of money you hold in your business bank account",[],{"_key":1917,"_type":1230,"children":1918,"markDefs":1927,"style":1238},"6ea0d40020fa",[1919,1923],{"_key":1920,"_type":1234,"marks":1921,"text":1922},"871a3f84a4830",[1245],"Share capital: ",{"_key":1924,"_type":1234,"marks":1925,"text":1926},"871a3f84a4831",[],"The value of the shares in your business you have on issue to its owner\u002Fs",[],"\u003Cp>Running a business is a bit more than having a good product or service. You need to be able to understand and manage your business's finances. Now, I am not saying you need to become an accounting guru overnight, but there are a few things you can’t afford to ignore. So we’re here to give you a little breakdown on a few things we think are important (in a way the everyday human can understand).\u003C\u002Fp>\u003Ch2 id=\"what-is-business-accounting\">\u003Cstrong>What is business accounting?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>Business accounting is the process of tracking, recording, and analysing your business’s financial transactions (money coming in and going out of your business).\u003C\u002Fp>\u003Ch2 id=\"why-is-this-important\">\u003Cstrong>Why is this important?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>Understanding where your business stands financially gives you the information you need to make decisions about pricing, spending, investments, and growth for your business.\u003C\u002Fp>\u003Cp>It can seem like a massive topic, but for small businesses, it essentially boils down to:\u003C\u002Fp>\u003Cul>\u003Cli>Tracking your money (recording your income and expenses)\u003C\u002Fli>\u003Cli>Understanding and generating financial reports\u003C\u002Fli>\u003Cli>Submitting tax returns\u003C\u002Fli>\u003C\u002Ful>\u003Cp>Accounting software, like stub, changes the way you as a business owner can take control of your business’s finances and do your basic accounting. And we know you can do it!\u003C\u002Fp>\u003Ch2 id=\"accounting-basics\">\u003Cstrong>Accounting basics\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>To track and organise your business’s transactions so you know where your money is coming from and going to, each transaction needs to be categorised into one of your business's primary accounts within your Chart of Accounts.\u003C\u002Fp>\u003Ch2 id=\"your-business-account-categories\">\u003Cstrong>Your business account categories\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>Your business's finances are made up of the 5 main account categories. These categories basically split up your finances so you can easily see how much you’ve made, how much you’ve spent, how much you owe, how much is owed to you, and what's left over. This is also known in the accounty world as your Chart of Accounts.\u003C\u002Fp>\u003Ch4 id=\"let-s-break-down-the-categories\">Let’s break down the categories:\u003C\u002Fh4>\u003Cp>\u003Cstrong>What you have made (Income):\u003C\u002Fstrong> also known as revenue is the amount you make from selling goods or services to customers or from other forms of income like investments\u003C\u002Fp>\u003Cp>\u003Cstrong>What you have spent (Expenses):\u003C\u002Fstrong> is the money your business spends on items, goods or services to keep your business running\u003C\u002Fp>\u003Cp>\u003Cstrong>What you own (Assets):\u003C\u002Fstrong> are things that your business buys and owns that add value to your business. They can help you make money and keep you running. Everything from your office furniture, computers and cars to things such as patents and trademarks are considered assets.\u003C\u002Fp>\u003Cp>\u003Cstrong>What you owe (Liabilities):\u003C\u002Fstrong> if your business owes money, you have liabilities. Any money you owe to suppliers, loans or VAT is a liability to your business.\u003C\u002Fp>\u003Cp>\u003Cstrong>What you have left over (Equity):\u003C\u002Fstrong> is what your business has after you subtract your liabilities from your assets. Basically, it's what's left over for you if you sell all your assets and pay off all your debts.\u003C\u002Fp>\u003Ch2 id=\"basic-accounting-terms\">\u003Cstrong>Basic accounting terms\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>Here are a few terms you may have come across, or haven't heard of at all. Either way, we hope these explanations can help give you the information you need to feel a bit more confident about accounting.\u003C\u002Fp>\u003Ch3 id=\"general-accounting-terms\">\u003Cstrong>General accounting terms\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cstrong>Accounting period: \u003C\u002Fstrong>A period of time that you track your business's financial transactions. These accounting periods can be yearly, quarterly or monthly.\u003C\u002Fp>\u003Cp>\u003Cstrong>Accrual-based accounting: \u003C\u002Fstrong>looks at money that will be coming in or going out of the business before money has actually been paid. It accounts for income as soon as an invoice is generated for a customer even if it has not been paid yet.\u003C\u002Fp>\u003Cp>\u003Cstrong>Cash-based accounting:\u003C\u002Fstrong> accounts for income that has been received and expenses that have been paid.\u003C\u002Fp>\u003Cp>\u003Cstrong>Capital: \u003C\u002Fstrong>This is your business’s financial assets. For example, capital could mean the money you have in the bank or the money you have received from financing.\u003C\u002Fp>\u003Cp>\u003Cstrong>Cashflow: \u003C\u002Fstrong>The money that comes in and goes out of your business. Cashflow refers to the sum of money a business generates from operations, financing, and investments.\u003C\u002Fp>\u003Cp>\u003Cstrong>Financial year: \u003C\u002Fstrong>This is the time period that your finances are tracked over one year. In South Africa, the fiscal year normally runs from the 1st of March to the 29th of February\u003C\u002Fp>\u003Cp>\u003Cstrong>General ledger: \u003C\u002Fstrong>General ledgers are where all your information comes together from inventory, sales, cash in, and cash out. General ledgers are used mostly by accountants to record financial transactions and have information that helps businesses prepare financial reports and analyse their financial health over time.\u003C\u002Fp>\u003Cp>\u003Cstrong>Gross profit: \u003C\u002Fstrong>The profit a business makes after considering all the costs of supplying services or creating and selling goods. You calculate gross profit by subtracting the costs of goods from your income.\u003C\u002Fp>\u003Cp>\u003Cstrong>Journals: \u003C\u002Fstrong>A business transaction can be recorded as a journal entry in your business’s general ledger. A journal entry could include the date of entry, account information, debit, and credit, and a description of the transaction. This is used mostly by accountants.\u003C\u002Fp>\u003Cp>\u003Cstrong>Net profit:\u003C\u002Fstrong> is the selling price of your goods\u002Fservices minus \u003Cstrong>ALL\u003C\u002Fstrong> the costs of running your business\u003C\u002Fp>\u003Cp>\u003Cstrong>Opening Balance:\u003C\u002Fstrong> the amount of money a business has at the beginning of a specific accounting period\u003C\u002Fp>\u003Cp>\u003Cstrong>Closing Balance:\u003C\u002Fstrong> the amount of money a business has at the end of a specific accounting period\u003C\u002Fp>\u003Cp>\u003Cstrong>Credits & Debits: Credit\u003C\u002Fstrong> is money going out of your business and these transactions are recorded on the right side of the general ledger. \u003Cstrong>Debit\u003C\u002Fstrong> is money coming into your business and these transactions are recorded on the left side of the general ledger. Credits and Debits are key to double-entry accounting\u003C\u002Fp>\u003Ch3 id=\"income-terms\">\u003Cstrong>Income terms\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cstrong>Gain on foreign exchange: \u003C\u002Fstrong>The profit you have made on a foreign currency sale due to changing interest rates\u003C\u002Fp>\u003Cp>\u003Cstrong>Gain on sale of an asset: \u003C\u002Fstrong>The profit you have made on the sale of a business asset\u003C\u002Fp>\u003Cp>\u003Cstrong>Revenue:\u003C\u002Fstrong> is the money the business generates by selling its products and\u002For delivering services\u003C\u002Fp>\u003Cp>\u003Cstrong>Owner Contributions: \u003C\u002Fstrong>Any money that you, the owner, pay into the business\u003C\u002Fp>\u003Ch3 id=\"expense-terms\">\u003Cstrong>Expense terms\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cstrong>Fixed expenses:\u003C\u002Fstrong> are predictable. These expenses are consistent ‌ — ‌ you tend to know exactly what you’ll pay and when. These are typically expenses like Rent and Utilities\u003C\u002Fp>\u003Cp>\u003Cstrong>Variable expenses:\u003C\u002Fstrong> change frequently, because they depend on factors such as sales, supplier costs and production rates. These are typically expenses like Deliveries & Shipping, Packaging, Advertising & Marketing etc\u003C\u002Fp>\u003Cp>\u003Cstrong>Loss on foreign exchange: \u003C\u002Fstrong>Any loss you have made on a foreign currency sale due to changing interest rates\u003C\u002Fp>\u003Cp>\u003Cstrong>Loss on sale of an asset: \u003C\u002Fstrong>Any loss you have made on the sale of a business asset\u003C\u002Fp>\u003Ch3 id=\"asset-terms\">\u003Cstrong>Asset terms\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cstrong>Accounts receivable \u003C\u002Fstrong>This is the money customers owe you. The moment you send an invoice, it becomes a part of your receivables, until it's paid.\u003C\u002Fp>\u003Cp>\u003Cstrong>Cost of goods sold: \u003C\u002Fstrong>Cost of goods sold, or COGS, is the total cost your business has paid out of pocket to sell a product or service. It represents the amount that the business must recover when selling an item to break even before bringing in a profit.\u003C\u002Fp>\u003Cp>\u003Cstrong>Depreciation: \u003C\u002Fstrong>Over time your assets lose value due to use and wear and tear. The amount your asset devalues by each year is called depreciation\u003C\u002Fp>\u003Cp>\u003Cstrong>Accumulated depreciation: \u003C\u002Fstrong>Accumulated depreciation is the total of this depreciation to date.\u003C\u002Fp>\u003Cp>\u003Cstrong>Current assets: \u003C\u002Fstrong>Assets that the business owns and expects to use or sell within a year. They may also be called short-term assets.\u003C\u002Fp>\u003Cp>\u003Cstrong>Non-current or Fixed assets: \u003C\u002Fstrong>Assets and property the business owns that will not be sold or converted to cash within a year. They may also be called long-term assets.\u003C\u002Fp>\u003Cp>\u003Cstrong>Inventory: \u003C\u002Fstrong>Refers to both the goods and products a business sells, as well as any raw materials that the business uses to make those products.\u003C\u002Fp>\u003Cp>\u003Cstrong>Liquidity: \u003C\u002Fstrong>Simply how liquid your business is, how quickly a business would be able to convert assets into cash. Cash, the most liquid asset, can be converted easily into other assets\u003C\u002Fp>\u003Ch3 id=\"liability-terms\">\u003Cstrong>Liability terms\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cstrong>Accounts payable (Money owed to suppliers): \u003C\u002Fstrong>As simple as it sounds… This is the money the business owes to suppliers for goods that have been invoiced for or received\u003C\u002Fp>\u003Cp>\u003Cstrong>Dividends payable (Business profits Owed to Shareholders): \u003C\u002Fstrong>Any profits made by the business that are owed to the business shareholders\u003C\u002Fp>\u003Cp>\u003Cstrong>Shareholder loans (Money the Business Owes to Directors & Shareholders): \u003C\u002Fstrong>Money is taken out of the business and loaned to directors and shareholders, which isn't a salary or dividends\u003C\u002Fp>\u003Ch3 id=\"equity-terms\">\u003Cstrong>Equity terms\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cstrong>Drawings (Dividends paid): \u003C\u002Fstrong>Any money or assets that have been taken out of the business by its owners\u003C\u002Fp>\u003Cp>\u003Cstrong>Business owner contributions: \u003C\u002Fstrong>Money or assets business owners have put into the business, either to start the business or keep it running\u003C\u002Fp>\u003Cp>\u003Cstrong>Retained earnings:\u003C\u002Fstrong> are net profits that a business holds onto (retains), to help fund the business's future. It is effectively a chunk of money you hold in your business bank account\u003C\u002Fp>\u003Cp>\u003Cstrong>Share capital: \u003C\u002Fstrong>The value of the shares in your business you have on issue to its owner\u002Fs\u003C\u002Fp>",[1930,1932,1934,1936,1938,1940,1942,1944,1946,1948,1950,1952],{"id":1931,"text":1246,"style":1248},"what-is-business-accounting",{"id":1933,"text":1263,"style":1248},"why-is-this-important",{"id":1935,"text":1320,"style":1248},"accounting-basics",{"id":1937,"text":1336,"style":1248},"your-business-account-categories",{"id":1939,"text":1352,"style":1354},"let-s-break-down-the-categories",{"id":1941,"text":1421,"style":1248},"basic-accounting-terms",{"id":1943,"text":1437,"style":1439},"general-accounting-terms",{"id":1945,"text":1618,"style":1439},"income-terms",{"id":1947,"text":1674,"style":1439},"expense-terms",{"id":1949,"text":1730,"style":1439},"asset-terms",{"id":1951,"text":1834,"style":1439},"liability-terms",{"id":1953,"text":1878,"style":1439},"equity-terms"]