Fret Not Financials
Accounting setup

The accounting life of a repair job

One customer, one guitar, start to finish, and what hits your books at each step. Based on how we actually run jobs at our shop.

The same repair produces different entries depending on whether you keep your books on cash or accrual. Toggle between them to see how the entries differ. Most small shops are cash basis for tax purposes but may find accrual useful for making business decisions. We operate on a hybrid model of modified cash basis, described below.

My books are kept on

It needs a full setup and some electronics work. You quote about $250 in labor plus parts & sales tax.

* Bonus points if that estimate is mapped to your income accounts, can be formally approved by the customer, and converts straight into the invoice later: no re-keying, and you have a record of what they agreed to. No entry Why nothing posts No entry Why nothing posts
An estimate is a promise, not a transaction. Nothing posts on either basis. No money has moved and no work has been done.
An estimate is a promise, not a transaction. Nothing posts on either basis. No money has moved and no work has been done.

Money in the door before any work is done. This is where cash and accrual will differ.

Asset Liability 2 entries Asset Liability 2 entries
DR ↑ Asset Balance sheet Processor Clearing $100.00
CR ↑ Liability Balance sheet Customer Deposits $100.00
or

If you follow the cash-basis tax treatment, it books straight to income

DR ↑ Asset Balance sheet Processor Clearing $100.00
CR ↑ Income P&L Repair Service Sales - Setup & Adjustment $100.00

Cash basis generally makes an advance payment taxable when you receive it, which is the second entry. The first keeps it as a liability. That is modified cash basis, and it is what we use in our shop, because you owe them either the work or a refund and it stops a busy deposit month from looking like a great month. Choose the one that makes the most sense to you and discuss it with your tax preparer at year end so they can make book to tax adjustments accordingly.

DR ↑ Asset Balance sheet Processor Clearing $100.00
CR ↑ Liability Balance sheet Customer Deposits $100.00

On accrual the entry and the treatment agree: a deposit is a liability until you have earned it, and it becomes income when the work is done.

Two pots at $4.75 each ($9.50) and a capacitor at $1.95: $11.45 on the shop credit card, tax-exempt and wholesale priced.

Expense Liability 2 entries Expense Liability 2 entries
DR ↑ Expense P&L Parts & Materials - Cost $11.45
CR ↑ Liability Balance sheet Credit Card Payable $11.45

A card charge counts as paid when you charge it, so this is recorded the same on cash basis and accrual. Your resale certificate saves you from paying sales tax on this purchase, since you will be charging the customer for it later, and hopefully wholesale pricing can earn you a healthy margin!

DR ↑ Expense P&L Parts & Materials - Cost $11.45
CR ↑ Liability Balance sheet Credit Card Payable $11.45

Same either way. Note this cost lands before any related income exists, one reason a single month can look strange in isolation.

You tally up labor, parts and consumables, plus your margin on parts, to get the subtotal: $282.90, your gross revenue on this job. Your POS calculates sales tax on the applicable line items, bringing the total to $301.29. Apply the $100 deposit already received, then send it over and let them know the guitar is ready for pickup.

No entry Why nothing posts Income Asset Liability 5 entries
INVOICE
Reflection Guitars LLC 27657 Garrett St
Bonita Springs, Florida 34135
United States

reflectionguitars.com
Bill to J. Scott
Invoice Number: 1047 Invoice Date: November 14, 2026
Item Amount
Setup & Adjustment Labor: full setup $110.00
Electronics Work Labor: 60 min $135.00
Parts & Materials Pots, capacitor, strings $32.90
Shop Consumables Cloth wire, solder, polish $5.00
Subtotal: $282.90
FL 6.5%: $18.39
Total: $301.29
Less deposit paid: −$100.00
Amount Due (USD): $201.29
On cash basis, sending an invoice posts nothing. You have earned the money but you have not received it, and cash basis records income when payment arrives.
Bill consumables separately or bury them in your rate. Either works, as long as you know your pricing covers the wire and solder and not just your desired hourly wage.
DR ↑ Asset Balance sheet Accounts Receivable $301.29
CR ↑ Income P&L Repair Service Sales - Setup & Adjustment $110.00
CR ↑ Income P&L Repair Service Sales - Electronics & Wiring $135.00
CR ↑ Income P&L Parts & Materials - Sales $37.90
CR ↑ Liability Balance sheet Sales Tax Payable $18.39

On accrual, income records now: the work is done. Note the sales tax is a liability, never income, on either basis.

Bill consumables separately or bury them in your rate. Either works, as long as you know your pricing covers the wire and solder and not just your desired hourly wage.

$201.29 on a Visa. The $100 deposit covers the rest.

Income Asset Liability 6 entries Asset Liability 3 entries
DR ↑ Asset Balance sheet Processor Clearing $201.29
DR ↓ Liability Balance sheet Customer Deposits $100.00
CR ↑ Income P&L Repair Service Sales - Setup & Adjustment $110.00
CR ↑ Income P&L Repair Service Sales - Electronics & Wiring $135.00
CR ↑ Income P&L Parts & Materials - Sales $37.90
CR ↑ Liability Balance sheet Sales Tax Payable $18.39

This is the moment income exists on cash basis, and the deposit liability clears because you have now earned it. Note that not all of the $301.29 is yours: $18.39 of it is sales tax you collected for the state, and it posts to Sales Tax Payable, not income.

DR ↑ Asset Balance sheet Processor Clearing $201.29
DR ↓ Liability Balance sheet Customer Deposits $100.00
CR ↓ Asset Balance sheet Accounts Receivable $301.29

Income already recorded when you invoiced, so this step only moves money: the receivable clears and the deposit liability clears.

Your processor keeps $9.04 and deposits $292.25.

Expense Asset 3 entries Expense Asset 3 entries
DR ↑ Asset Balance sheet Checking $292.25
DR ↑ Expense P&L Payment Processing Fees $9.04
CR ↓ Asset Balance sheet Processor Clearing $301.29

The number in your bank matches nothing on the invoice. It is the $301.29 total minus the fee, and $18.39 of it still has to be paid to the state by you.

DR ↑ Asset Balance sheet Checking $292.25
DR ↑ Expense P&L Payment Processing Fees $9.04
CR ↓ Asset Balance sheet Processor Clearing $301.29

Identical on both bases. Processor Clearing returns to zero, which is how you know nothing was missed.

The $18.39 you collected goes to the state.

Asset Liability 2 entries Asset Liability 2 entries
DR ↓ Liability Balance sheet Sales Tax Payable $18.39
CR ↓ Asset Balance sheet Checking $18.39

Neither side touches your P&L. Collecting it was never income and paying it is not an expense. It only ever moved through a liability.

DR ↓ Liability Balance sheet Sales Tax Payable $18.39
CR ↓ Asset Balance sheet Checking $18.39

Same on both bases. If this balance only ever grows, nobody has been paying it.

How you line-item can change what's taxable

In some states, repair labor is exempt from sales tax, but only if it's stated separately from parts on the invoice. Bundle labor and parts into one line and the exemption can disappear, making the whole thing taxable.

Other states, Florida among them, go the other way: if you supplied any parts or consumables on a repair, the labor on that repair is taxable too. Itemizing it separately doesn't make it exempt.

Either way, the invoice format isn't always just a presentation choice: it can be a tax determination. Worth knowing which rule your state follows before you decide how to write your tickets. The sales tax guide covers the Florida rule in detail.

Need help applying this to your shop?

I can help you set things up correctly, whether that's your chart of accounts, your sales tax compliance, or your bookkeeping workflow.