Bookkeeping for Christchurch & Selwyn trade businesses
Nobody is watching your month. I will.
I'm Monique Clow. I check your supplier statements before you pay them and your GST before it goes to IRD. Then I tell you in plain words how the month went. Bookkeeper rates, not accountant rates.
Already have a bookkeeper? Good. Keep them.
Your bookkeeper works from what they're given. Your accountant sees the year once it's over. Nobody checks the month in between, before the money goes out. Tradie Month End does. Nothing changes on your side, except now someone is looking.
Tradie Month End
The important monthly checks, done for you. From $245 + GST a month.
- 01
Twenty minutes on last month
You show me last month in Xero. I run the checks in front of you and we see together what they find. No cost, no obligation.
- 02
We agree the scope
The two checks every month, your GST checked every period whether you file monthly or two-monthly, the report if you want it. A fixed monthly fee, quoted. No lock-in.
- 03
The checks run before anything goes out
Statement Checker before the supplier payment run. P&L + GST Checker before the return goes to IRD. I fix it in the right period, or tell your bookkeeper what to fix.
- 04
The month in two pages
What the month made against the last three and the year, cash, who owes you and what to watch. Written so you can read it in five minutes.
Monthly reportSample Trades Ltd: March 2026 Monthly Report
The strongest month since August and a clean finish to the year. Contract income of $58,417 was up 22% on February and the gross margin lifted from 44.8% to 46.5%.
| Line | Mar 2026 | Feb 2026 | Jan 2026 | Dec 2025 |
|---|---|---|---|---|
| Contract income | $58,417 | $47,905 | $51,320 | $44,880 |
| Gross profit | $27,173 | $21,467 | $23,180 | $20,190 |
| Gross margin | 46.5% | 44.8% | 45.2% | 45.0% |
| Net profit / (loss) | $4,327 | ($445) | $1,710 | ($750) |
How I use AI
The AI does the grunt work. I do the judgement.
I use AI every working day and build my own checking tools with it. It does the number crunching. Deciding what a flag means, what to fix and what to tell you is still my job.
- Tools I built myself
- Written on real trade books to do the checks I run every month.
- No training on your data
- I use paid AI subscriptions that don't train on your data, alongside my own checking software.
- A person on every flag
- I decide what each flag means, whether it matters and what to fix.
- Every key figure checked
- Guardrails and double checks, then I tie the key figures back to Xero myself.
Other ways to work with me.
- Bookkeeping and workflow automationThe books done properly every week or month, plus the automation most bookkeepers skip.From $75 + GST per hour
- Xero and Payroll Health ChecksA one-off look through your Xero or your payroll, with a plain-English report of what to fix.From $275 + GST per check
- Job software and back costingFind out what each job actually made, with your job software set up from quote to invoice.From $95 + GST per hour
- An accountant with tradie clients?I do the monthly work and hand over a clean year. I don't do year end or tax, so the relationship stays yours.Find out more
Who you deal with
The owner on the tools. Someone at home doing the books at night.
That's who I like working with most. I co-owned a trade business and ran its admin, so I know how the money moves and how fast a busy week buries the paperwork. I never ask a tradie to become an office person.
Monique Clow14 years in trade books · Former trade business co-owner · Xero certified advisor · Master in Business
More about MoniqueWhat clients say
My painting business is too small to hire a full-time office person and too big to not have one. Since Monique came on board I know my business is running properly now.
Monique keeps things simple. If something is going to cost me time Monique finds a way to reduce it. Honest, straightforward. Gets how a builder works.
Monique has made our finance admin so much easier and reliable. She picks up our little errors before they become big ones and makes sure everything is reconciled. Wouldn't go back!
FAQ
Fair questions
Does this replace my bookkeeper?
No. Tradie Month End checks the work before the money goes out. Plenty of good bookkeepers are working from what they're given. This catches what nobody was in a position to see.
Will my accountant mind?
In my experience they're pleased. What reaches them at year end is cleaner and the corrections were made in the right period rather than found afterwards.
What does it cost?
Tradie Month End is from $245 + GST a month. Bookkeeping is from $75 + GST an hour. Health Checks are from $275 + GST. The first chat is free.
Where does my data go?
Your information is handled the same way as any other bookkeeping client file. I use paid AI subscriptions that don't train on your data, alongside my own checking software, and I check every key figure against Xero myself.
Do I have to change anything?
No. It works with your Xero as it is. If something in the set up is making the checks harder, I'll tell you and we can talk it through.
Do you only work in Christchurch?
I'm based in Prebbleton and work across Christchurch, Selwyn and Canterbury. Most clients are virtual, so I can work with tradies anywhere in New Zealand. On site visits are available locally and a mileage charge applies.
Book a free chat
Less admin. More trade.
Twenty minutes and last month's Xero. Tell me what's causing the grief and I'll tell you honestly which service fits, or whether you need one at all.
