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receipt receipts full frame expenses flatlay accounting inflation records debt business declaration self employed federal financial income money refund report tax taxation taxes budget budgeting accountant banking bill bookkeeping canada concept cost crumple deductible document file finance heap isolated management messy note office overfilled overwhelmed paper paperwork pile private retail savings sorted stack stored 1040 annual balance businessowner credit deadline deduction entrepreneur exemption filing funds granted irs opportunity overpay rebate reimbursement return revenue disorganization overhead record keeping return filing