If bookkeeping is eating hours you'd rather spend running the business, or you're not fully confident the numbers are right, it's worth a conversation. The real cost of DIY bookkeeping usually isn't the money you're saving. It's the time and the uncertainty.
This isn't really a numbers question. It's whether the time you're spending, and the nagging feeling that you're not totally sure it's right, is worth what you're saving by doing it yourself.
Count the actual hours, not just the software subscription. DIY bookkeeping isn't free if it's costing you five hours a month you could spend on customers, sales, or just not working weekends. And ask yourself honestly whether you'd catch a mistake if there was one. Most DIY setups don't get a second set of eyes. If something's wrong (a missed deduction, a miscategorized expense) there's nobody catching it before it becomes a problem at tax time.
If cost is the hesitation, look for fixed, predictable pricing rather than something that scales unpredictably. The usual fear with hiring help is the bill creeping up over time. A firm that charges flat fees, not a percentage of anything and not surprise hourly billing, takes that risk off the table entirely.
There's no wrong answer at a small enough size. Plenty of businesses run DIY books just fine. The moment it's worth a conversation is when the mental load stops feeling worth what you're saving.
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