It’s only been 6 months, but in that time of working with Monica and her team, I’ve paid off $10,000 of debt and finally feel like my finances are in order and moving in the right direction.

Janet Arntzen

Monica and her team were referred to me by a friend. I highly recommend her services. Since working with Monica I have felt a sense of control and understanding of my finances. I am very grateful for Virtual Bookkeeping and their efficient and professional services.

Juliana Herlaar

Unless budgeting and finances are learned from your parents, how are you prepared to manage your finances as an adult? I started earning a paycheck at 15 as a shampoo girl and spent the next 3 decades of my working life fumbling along with my finances. I was never sure how to budget, I wound up spending beyond my means, living paycheck to paycheck, going in and out of credit card debt and telling myself I would figure it out later.

When I met my husband, he lived on a teacher’s salary, didn’t have any debt, and even had a growing retirement and savings nest egg- I thought he was an Alien! My spending habits and credit card debt was a bone of contention in our marriage and knowing that kept me up at night. As our life together moved forward, work promotions came, we had 2 kids, a mortgage, and while we managed to afford our life, I continued to struggle with poor spending habits and accrue credit card debt.

Then came March of 2020 and there was nothing majorly stressful going on in the world during this time, right? I couldn’t balance my clients while being a homeschool-mom at the same time, and I made some poor business decisions. By 2022, I was in so much debt that for the first time in my life, I couldn’t see how I would get out of it. I was embarrassed, mad at myself, and felt so alone. I shared my situation with a trusted friend who referred me to Monica. I wish I could tell you that I called Monica right away but I thought that I could figure it out on my own and that it didn’t make sense to accrue another expense and pay someone to help when I was barely paying my bills. A few months went by, I continued to accrue more debt, experienced more guilt, and finally with the gentle nudging of my friend, I reached out to Monica.

From my first call with Monica, I knew I had found a solution. She was non-judgemental, smart and encouraging. We came up with a budget and a plan. For the first time, I felt hopeful that I could get out of debt and maybe even start saving. Every week we have a quick call where Monica gives me an action plan for that week.

We have been working together for 10.5 months now and I am thrilled to say that not only have we paid off all of my credit card debt, PLUS an unexpected tax bill, I feel empowered for the first time that I am making smart decisions with my money.

I have a realistic budget for girly fun things like self-care, clothing, and spending money so during all of this time I never once felt deprived, or had to walk around with roots, LOL.

Now that I am credit card debt free, and have a solid budget that works for me and my family, I can dream about my financial future for the first time in my adult life! I can pay off my car early, pay down our mortgage faster, plan for memory making family vacations, put more money in the girls college savings, increase retirement, the options are endless.

When you work with Monica, you give yourself the gift of options with your money and can stop the cycle of being chained to credit cards and debt. Don’t get stuck, thinking that your situation is the exception, or that you can’t afford help. You can’t afford NOT to get help and hiring Monica is the first step in empowering yourself to turn your financial future around.

Liana Hunt

Monica is simply AMAZING! Where she has gotten my husband and I in 1 year is unbelievable. If you had told me a year ago that with Monica my husband and I would be out of credit card debt, buying things with cash, and not living off of credit cards for big expenses I would have said, “Are you crazy?” In a span of 1 year she has helped us get out of $25,000 of credit card debt and almost paid off a car. We now have savings! And when various unexpected expenses have come up she has shown us how to pay for them. She has changed each of our relationships with money.

Perhaps, most of all, Monica has helped our marriage immeasurably. We no longer fight about money because we both know what we need to do and Monica guides us expertly through all of it. She is kind, compassionate yet steady on keeping us on our goals-moving forward.

Thank you Monica!!!

Janae and Gary Kahn

In the short few months I have started working with Monica, my financial behaviour has significantly changed for the better. It really has made a difference especially with how I manage my money. I was nervous to make the change as I didn’t think I could do it. Turns out it is the easiest and best thing I have done for myself in a very long time! I am very grateful to have connected with Monica and only wish I had known about her excellent financial services many years ago. I also sincerely appreciate her bookkeeping services that keeps my business up-to-date and alleviates any unnecessary stress so I can focus on my extremely busy work. I highly recommend Monica’s services!

Michelle Blackburn

I simply can’t recommend Monica enough! She deserves all of the praise here in these reviews … PLUS! I have been working with Monica for about 15 years and she has been at my side through some triumphs as well as some very challenging times. I tell anyone who is willing to listen about her work. Currently, Monica just started a new budgeting and spending coaching program. This is in addition to our weekly bookkeeping work. We’ve drilled down into behaviors that need to be addressed, and as usual, her help has been significant. I am learning new habits around my spending that will keep me moving forward towards goals that have always felt too far out of reach.

Michael Kramer

Virtual Bookkeeping has been a true gift! We were under tremendous financial stress and no matter how much money we brought in, it always felt like we were broke. We never learned how to budget or be smart with money. We started using the personal budgeting and bookkeeping services for my small business. Monica and her team’s non-judgmental approach will have helped is pay off $110,000 worth of debt by the end of 2021! I can’t tell you how freeing and motivating it feels after being in debt for years. We finally have a true savings account after Monica’s budgeting lessons. Thank you Monica and Virtual Bookkeeping! We wouldn’t be where we are without you! Virtual Bookkeeping services are priceless!

Natalie Brooks

In 10 months, Monica and Theresa and the Virtual Bookkeeping way, helped us pay off $55,000 in debt. TEN MONTHS!!! We couldn’t be mor pleased with the services we have received! One year from now we’ll be debt free and I am confident in this plan as they base it on our actual income and expenses, but yet it’s a team approach where all input is welcome. Each week we have a call to go over from what account to pay each bill, and where to put monies. We use them for personal and two businesses we own. Our personal “buckets” for spending, as they’re called, are realistic for our actual spending and that is part of their belief and long term success. Over the holidays, for the first time ever had NO DEBT and we have four kids and got to spoil them! We even have $28k saved on top of the debt we paid off. It’s true teamwork (and they’re kind and compassionate to boot!). She does her job, we do our job, and then we’re not worrying about money and getting to do the things we want to do in life. My business coach thought I would never recover from that much debt. We looked into filing for bankruptcy. It really is one of the best decisions we’ve ever made and has changed our life. It’s even helped our marriage, as we all know that finances can be a huge source of contention… we’re on the same page every week! It’s amazing. If I could give more than 5 stars I would.

Kristin Patten

Monica has been my bookkeeper for the past 15 years, through times of financial plenty and financial disaster, both personal and business bookkeeping. She’s more than just a trusted bookkeeper, she puts my finances into perspective and adjusts my expectations. She’s a cheerleader when I’m discouraged and a much-needed reality check when I lose sight of my financial goals. Most of all, she’s effective. With Monica and her team, my bills are always paid on time, I have a clear path to my financial goals, and the support to stick to the plan. Simply put, Monica and her team have a talent for helping her clients reach their financial goals. I couldn’t recommend Virtual Bookkeeping more.

Laura Lencioni

Monica and her team @ Virtual Bookkeeping have been amazingly helpful in getting me on top of my accounting. They are available to answer my questions so I have a good understanding of what to do. They are well worth the investment and provide peace of mind!

Stephanie Brooks, MS, RD, CEDRD

I have been using the service of Virtual Bookkeeping for over five years and am scheduled to reach my financial goals ahead of schedule. This is the kind of financial goal setting and achievement support i spent years looking for. One of the best decisions of my life. What a great feeling to know I am truly prepared to live the kind of retirement I hoped for. Monica and her team are compassionate, efficient and client-focussed. They set up an individualized plan just for me. If you want financial freedom, peace of mind, and self control of your financial future run to this service…don’t walk. You will be glad you did.

Lise Saulnier

“It’s easy to leave a great testimonial for Monica. I’ve been working with Virtual Bookkeeping for a little over a year now and my business accounting has never looked so good. Monica is easy to work with, efficient, thorough, dedicated and detail oriented – everything you’d want in a bookkeeper. It’s been such a great experience having my accounting brought up to date each month with little or no extra work for me- and this whole process made filing my taxes easy and simple this year too. If you’re looking for someone to help you get your business accounts into tip-top shape, work with Monica and Virtual You’ll be glad you did.

Dr. Rachna Jain

“Monica rocks! I’ve been working with her for 6 years and am totally confident in her work. She’s accurate, reliable and makes it so easy for me to manage my business finances. I would recommend Monica and her team without question to anyone who needs a bookkeeper.”

Juliet Austin

“Monica is reliable, competent and thorough. With Monica managing the books, I can leave the invoicing and business tracking to her and focus on the aspects of my business which I enjoy, and that’s a huge sense of freedom and relief. I appreciate the monthly calls so I can look at the business objectively and focus on what’s needed.”

Jennifer Bezoza

As a couples therapist working in the counselling field for over 30 years, I have seen, time and again, that money is one of the top causes of conflict in relationships. Many individuals have no idea how to manage their money and end up in debt and stressed out. As well, partners differ in their priorities around money and lack the skills to figure out and negotiate their way to a mutual understanding. This reality crosses all financial classes – I have seen this struggle with six figure salaried couples as well as those who are barely making ends meet. Either way, I highly recommend hiring a money coach like Monica Ross. I have been working with her for the past 7 years. She does my company books, but more importantly, she helps me budget and save in my personal life. I have never had trouble making money – but I would just spend it as I went along – often living beyond my means. It was stressful and I often asked myself, “Where does all the money go?” Since working with Monica and her team, I no longer have financial stress. In fact, I have more money in the bank than ever before and I have specific savings accounts as well for all the things I love to do, like traveling. Monica’s expertise and direction continue to keep me accountable and debt-free.

Sue Diamond, M.A., R.C.C.

“Before working with Monica, I had a bad experience with another bookkeeping service so I was skeptical about finding someone who wouldn’t cause me additional stress. Monica eliminated my skepticism immediately. She took over my books, reconciled them properly, and began giving me monthly reports. Finally I knew my business numbers and felt taken care of by someone who “gets” my business! The best thing about working with Monica is that the work is done quickly, on time, it’s very clear, and there is no drama. I can see my business growing month by month. I highly recommend Monica!”

Stefanie Frank

During these first few years of our start-up we had many challenges and important decisions to face. With the expertise and cost effective approach of the Virtual Bookkeeping team, we have been able to grow with the assurance that our needs are always a priority. I highly recommend their services to anyone who is looking for a way to make their life easier!

T Klotz, Director
Windabout Enterprises Inc.

“Monica is my bookkeeping secret weapon! I’ve used her for 6 years and service is always prompt, accurate, and easy to work with. She keeps my data secure and works very well with my accountant. Recently she’s started handling my payroll as well, and that was much easier than I thought it would be! I trust Monica and highly recommend her services to anyone in the US or Canada! Thanks!”

Terri Z

“Before taking Monica’s bookkeeping tele-class, I was afraid to open my QuickBooks program. I did everything the hard way.

Monica patiently walked me through setting up my accounts. She taught me how to create estimates and invoices, make and receive payments, and reconcile my bank records. When I ran into a problem while entering my accounts, I called Monica and she patiently explained how to fix my mistake.

Although the instructions took place over the telephone, I really felt as though I were in an actual classroom. Thank you Monica. You have made running my business easier.”

Peggy West
Office Essentials VA Service

Virtual Bookkeeping is perfect for small and medium-sized businesses. We do much of our business over the web, why not the accounting?

Gerry Lants,

Stories That Work, Inc.

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