Trusted Tips and Resources

Trusted Tips & Resources

Courtney at CKH Bookkeeping & Payroll Shares The Top 5 Common Small Business Bookkeeping Mistakes

CKH Bookkeeping & Payroll provides customized bookkeeping and payroll solutions tailored to meet the unique needs of each business. With over a decade of experience across diverse industries—including technology, insurance, automotive, healthcare, and small to mid-sized local businesses—the team offers reliable, detail-oriented support designed to help organizations thrive.  In Courtney's latest bookkeeping tip 


 Top 5 Common Bookkeeping Mistakes Small Business Owners Make (and How to Avoid Them)

Every small business owner makes mistakes;  it’s part of the learning process. But when it comes to bookkeeping, some errors can cost time, money, and peace of mind. After years of working with Saskatchewan entrepreneurs, I’ve noticed a few patterns that keep popping up. Here are five of the most common bookkeeping mistakes I help clients fix—and how to avoid them.

  1. Mixing personal and business spending
    It’s tempting to grab your business card for groceries or your personal card for a supply run. But mixing funds makes tracking expenses messy and taxes harder. Keep them separate—it’ll save hours later.


  2. Falling behind on record keeping
    Bookkeeping isn’t like spring cleaning…it can’t wait until “someday.” Waiting too long creates confusion and missed deductions. Set aside time each week to update your records, or better yet, let someone like me keep things running smoothly for you.


  3. Ignoring receipts
    Receipts are your proof when the Canada Revenue Agency comes calling. Keep them organized digitally or in monthly folders. Think of them as breadcrumbs that tell the story of your business spending.


  4. DIYing for too long
    Doing your own books might save a few dollars now, but small mistakes can turn into big problems down the road. Professional bookkeepers know how to keep your books compliant and efficient.


  5. Not understanding the reports
    Bookkeeping isn’t just about compliance, it’s about insight. If you don’t understand what your reports are telling you, you’re missing out on key business intelligence.

At CKH Bookkeeping & Payroll, I help small business owners in the Saskatoon area avoid these pitfalls and build financial systems that actually work for them. If you’ve made some of these mistakes, don’t worry, you’re not alone, and it’s never too late to get back on track.

Visit www.ckhbooks.com to connect with me. Let’s get your books working for you instead of against you.

CKH Bookkeeping & Payroll offers trusted, professional service that adapts to each business—ensuring accurate records, compliance, and peace of mind. Serving Saskatoon and surrounding area. 

"Simplify Your Success"

CKH Bookkeeping & Payroll - Your Trusted Saskatoon Bookkeepers




The Trusted Saskatoon Auto Repair Pro's at Crestview Auto Service Share The Signs You May Need New Brake Pads or Rotors

Crestview Auto Service has been a downtown Saskatoon staple since 1984, proudly serving the community with personalized car and light truck maintenance and repairs. This family-owned business has built its reputation on integrity, transparency, and exceptional customer service, and now, under the leadership of Nathan and Kathy Ciesielski, Crestview is stronger than ever. Crestview Auto Service is a Trusted Saskatoon Auto Repair, Service and Trusted Saskatoon Tire Shop. In Cestview's latest auto tip, they explain how your brake pads and rotors work together to keep you safe! 



Brake Pads and Rotors: Keeping Saskatoon Drivers Safe

At Crestview Auto Service in Saskatoon, we understand how important it is to keep your brakes in top condition. Your brake pads and rotors work together every time you press the pedal, turning motion into stopping power. Regular maintenance and timely replacement not only protect your vehicle but also keep you and your passengers safe on the road. 

What Are Brake Pads and Rotors?

Brake pads are the parts that press against your rotors to slow or stop your vehicle. They are made from materials such as ceramic, metallic, or organic compounds that create friction when you apply the brakes.

Rotors, sometimes called brake discs, are the metal discs attached to your wheels. When the brake pads press against them, the friction slows the wheels and brings your car to a stop. Some rotors are vented to help manage heat, which improves performance during frequent or heavy braking.



Signs You May Need New Brake Pads or Rotors

If you notice any of the following signs, it might be time to have your brakes inspected:

  • Squeaking or squealing sounds when braking often indicate that your brake pads are wearing down.
  • Grinding noises that indicate the pads are worn out and metal is contacting metal.
  • Uneven or warped rotors often cause vibration or pulsation in the brake pedal.
  • Longer-than-usual stopping distances can signal reduced braking performance.
  • The brake warning light appears on your dashboard.

    "Addressing these issues early helps prevent further damage and ensures your vehicle remains safe to drive." - Nathan, owner at Crestview  


How to Extend the Life of Your Brakes

Taking a few preventive steps can help your brake system last longer and perform better.

  • Schedule regular inspections at least once a year, or more often if you drive in heavy traffic.
  • Replace brake pads promptly when you notice signs of wear to prevent rotor damage.
  • Check your brake fluid and replace it if it becomes dirty or contaminated.
  • Drive smoothly and avoid sudden stops when possible to reduce unnecessary wear.

Why Choose Crestview Auto Service for Brake Repairs

When you bring your vehicle to Crestview Auto Service, you can count on quality workmanship and honest advice.

  • Experienced technicians: Our certified team has extensive training and experience in brake repair and maintenance.
  • High-quality parts: We use trusted brands that meet or exceed manufacturer standards.
  • Comprehensive inspections: Every brake service includes checking pads, rotors, callipers, and brake fluid levels.
  • Fair pricing: We offer competitive rates and clear communication to avoid surprises.

Visit Crestview Auto Service

Your safety on the road is our top priority. Whether you need a routine brake inspection, new pads and rotors, or a complete brake system service, the team at Crestview Auto Service is here to help. Call us at 306-244-6522 or book your appointment online to reserve your spot. We will make sure your brakes are ready to perform when you need them most.

Crestview Auto Service Explain The Best Time To Change Your Tires In Readiness For The Winter

Crestview Auto Service has been a staple in downtown Saskatoon since 1984, proudly serving the community with personalized car and light truck maintenance and repairs. This family-owned business has built its reputation on integrity, transparency, and exceptional customer service, and now, under the leadership of Nathan and Kathy Ciesielski, Crestview is stronger than ever. Crestview Auto Service is a Trusted Saskatoon Auto Repair, Service and Trusted Saskatoon Tire Shop. In Cestview's latest auto tip, they share the best time for switching to your winter tires in Saskatchewan. 


The Question Every Year We Face In Saskatoon - When Should You Put Your Winter Tires On? 

In Saskatchewan, the weather can change overnight. One day the sun is shining, and the next you might be driving on icy roads. Many Saskatoon drivers wonder when the right time is to switch to winter tires. At Crestview Auto Service, we want to help you stay safe and prepared for whatever the weather brings.

Why Winter Tires Matter

Winter tires are not just for snow and ice. They are made from a special rubber compound that stays flexible in cold weather, providing better traction when temperatures fall below +7°C. Even if the roads are still dry, installing your winter tires early is perfectly safe. The tires may wear slightly faster on warm days, but that is a small price to pay for being ready when the first freeze arrives.

The Best Time to Change Over in Saskatoon

A good rule to follow is to schedule your tire changeover once the daytime high is consistently around +7°C. For Saskatoon drivers, this often happens in late October or early November. It is better to switch a little early than to be caught off guard by a sudden drop in temperature. Booking ahead also helps you avoid the long wait times that happen when everyone rushes in after the first snowfall.



What to Check During a Tire Changeover

When you bring your vehicle in for a tire change, it is a good time to make sure everything is in top shape. Here are a few things to check:

  • Tread depth: Winter tires should have at least 4 mm of tread for proper traction.

  • Storage: Keep your summer tires in a cool, dry place or ask us about secure seasonal storage.

  • Balancing and rotation: Proper balancing prevents vibrations and helps your tires wear evenly.

Extra Tips for Saskatoon Drivers

  • Watch for icy patches on bridges, shaded areas, and side streets that may stay slippery longer than main roads.

  • Pair your winter tires with regular brake inspections to maintain reliable stopping power.

  • Have your battery tested before the cold weather hits, since freezing temperatures can weaken older batteries.

Book Your Winter Tire Changeover Today

Do not wait until the snow arrives. Schedule your winter tire changeover at Crestview Auto Service in Saskatoon today. Our team provides fast, professional service, expert advice, and secure tire storage to help you get ready for winter with confidence.

Call us at 306-244-6522 or book your appointment online to reserve your spot.


Crestview Auto Service is a Trusted Saskatoon Tire Shop located conveniently in downtown Saskatoon! 

Introducing CKH Bookkeeping & Payroll As Your Trusted Saskatoon Bookkeepers

The Trusted Saskatoon team  is pleased to welcome CKH Bookkeeping & Payroll to the Trusted Saskatoon community as your Trusted Saskatoon Bookkeeping experts. With a reputation for reliability, personal service, and financial precision, CKH Bookkeeping is a business built on trust, hard work, and a genuine passion for helping other local entrepreneurs succeed.


Owner Courtney K. Haughey is Saskatoon born and bred. She began her financial career as a finance assistant with Galon Insurance, where she laid a strong foundation in the industry. After completing multiple courses and building years of experience, Courtney made the bold decision to launch her own business in 2020 during the height of the pandemic. What began as a solo venture quickly evolved—first as a consultant with her first client, Full Throttle, and then as a growing business. In 2023, Courtney hired her first employee, Brittny, marking an exciting new chapter for CKH Bookkeeping & Payroll.

Today, CKH Bookkeeping serves a range of small businesses in Saskatoon and beyond, including clinics, retail stores, auto industry businesses, tech companies, and startups. With a client sweet spot of up to 25 employees, Courtney and her team specialize in making bookkeeping stress-free. They handle the details so business owners can focus on what they do best.

Personal relationships are at the heart of Courtney’s approach. She takes the time to get to know her clients and their goals, and she’s committed to growing her business at a steady pace with the right clients, without feeling pressured. 


Courtney's clients couldn’t say enough good things when we spoke to them. Time and again, they described her as trustworthy, professional, and someone they would recommend without hesitation. She takes pride in showing clients what their business can look like with the right financial support—clean, efficient, and stress-free.


“ I am extremely pleased with the services I receive from CKH Bookkeeping. Courtney is not only easy to work with but also provides prompt support and invaluable advice. Her dedication to ensuring I am well-educated on best practices in financial management has been instrumental in improving my financial decision-making.” -Rachel Drew, CEO of Cadence Final Document Services Ltd.


“ CKH Bookkeeping & Payroll provides me and my growing business with the most efficient and reliable bookkeeping support we have ever received. During her time with the Speech Language Network Ltd., owner Courtney Haughey has helped build employee packages and has put numerous functional systems in place surrounding accounting, billing processes, and onboarding new staff. Courtney is exceptionally organized, friendly, and prepared, and ensures things flow, bills are taken care of and everyone is paid on time. In addition, she always goes the extra mile to ensure you understand everything and is readily available for consultation with our team members. Courtney Haughey is a gift to my business and has fostered development and growth. I would recommend her without hesitation to any organization looking to streamline their bookkeeping and payroll systems, to ensure their teams are taken care of and that the books are accurate and up to date.  " - Kara Broks, The Speech Language Network



Services CKH Offers 

Include:

Bookkeeping
-Accounts Payable & Receivable
-Month End Reconciliation
-Tax Remittances
-Reporting
Payroll Services
-Payroll processing
-Vacation
-Time Tracking
-Benefits Management
-T4’s


Software Implementation & Management

Electronic Document Management

Year End Preparation


When she’s not keeping books in perfect order, Courtney enjoys walking her high-energy Pomeranian-husky mix, weightlifting, spending time at the lake, traveling, and reading. She recently celebrated a milestone 10-year wedding anniversary, reflecting the same long-term commitment she brings to her clients.


We are proud to promote and support CKH Bookkeeping & Payroll as a Trusted Saskatoon Bookkeeper. Welcome to the Trusted community, Courtney!



Trusted Saskatoon Financial Advisors at Wiegers Financial & Benefits Give Expert Insights on Maximizing Your RRSP

Wiegers Financial & Benefits is one of the largest private financial planning and employee benefits consulting firms in Saskatchewan. Their Financial Planning Division provides business owners, households, retirees, and students with expert investment and insurance planning services to help them reach their long-term financial goals. They also have a Benefits and Personal Insurance planning division. In their latest tip, they give expert insights from Wiegers Financial & Benefits on Maximizing Your RRSP.


Maximizing Your RRSP: Expert Insights from Wiegers Financial & Benefits

As life evolves, so do your financial priorities. At Wiegers Financial & Benefits, we recognize the significance of optimizing your Registered Retirement Savings Plan (RRSP) to help secure your future. By taking a personalized and strategic approach, we ensure your financial plan adapts to your changing needs. In this article, financial planner Kim Chicoine shares valuable tips to help you get the most out of your RRSP and work toward a more confident retirement.

Aligning Your Savings with Your Financial Objectives

Balancing daily expenses with long-term savings can be challenging, but watching your investments grow over time makes it worthwhile. To make the most of your RRSP, consider diversifying with a mix of investment options such as guaranteed investment certificates (GICs), mutual funds, segregated funds, stocks, and bonds. These choices, when integrated into your RRSP or Tax-Free Savings Account (TFSA), can align with your risk tolerance and financial goals.

Proven RRSP Strategies to Enhance Your Savings

Automate Your Contributions for Consistent Growth

A simple yet effective way to stay on track with savings is by setting up a Pre-Authorized Chequing (PAC) plan. This method ensures your RRSP contributions happen automatically, treating them like a fixed expense. By contributing regularly, you benefit from dollar-cost averaging, which helps smooth out market fluctuations. You can also schedule annual contribution increases, allowing your savings to grow progressively over time.

Leverage an RRSP Loan to Maximize Contributions

If you haven’t taken full advantage of your RRSP contribution room in previous years, an RRSP loan can be a useful tool. This approach provides additional time for your investments to grow while potentially yielding a tax refund that can help repay the loan. While not suitable for everyone, an RRSP loan can offer key benefits such as:

  • Accelerating your retirement savings

  • Potentially increasing your overall retirement fund

  • Lowering your taxable income through a larger deduction

Consider a Spousal RRSP for Tax Efficiency

For couples, a spousal RRSP can be a strategic way to optimize retirement savings and minimize taxes. The higher-income spouse contributes to the plan and claims the tax deduction, while the lower-income spouse holds ownership of the account. This strategy can help balance income levels in retirement and reduce overall tax liability. However, it’s essential to understand the withdrawal rules, especially for contributions made in the last two years. Consulting with a financial advisor can help determine if this approach suits your situation.

The Importance of Starting Early

Although RRSP season may still be ahead, making contributions early allows your investments more time to benefit from compound growth. Regular contributions not only enhance your retirement fund but also foster disciplined saving habits. If you���re unsure which strategies best fit your financial picture, speaking with an advisor can provide clarity and guidance tailored to your needs.

At Wiegers Financial & Benefits, we’re committed to helping you develop an RRSP strategy that aligns with your long-term financial objectives. Take action today and begin building a secure future.

Kim Chicoine, CFP, B.Comm.
Insurance Representative, Wiegers Financial and Insurance Planning Services Ltd.
Financial Planner, Manulife Wealth Inc.

The opinions expressed in this article are those of the author and do not necessarily reflect those of Manulife Wealth Inc.

The opinions expressed are those of the author and may not necessarily reflect those of Manulife Securities Investment Services Inc.

Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through Wiegers Financial & Insurance Planning Services Ltd. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada.

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S & E Trusted Online Directories Inc
TrustedSaskatoon.com
310 Wall St #209
Saskatoon, SK   S7K 1N7
Ph: 306.244.4150

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