<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- ── CORE PAGES ── -->
  <url>
    <loc>https://www.dimeaccounting.com/</loc>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── CHURCH PLANTING GUIDE (standalone) ── -->
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/church-planting-guide.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── LEADERSHIP ── -->
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/leadership/pastor-compensation-guide.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/leadership/financial-transparency-congregation.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/leadership/raising-salary-support.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/leadership/when-does-a-church-need-a-cfo.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── COMPLIANCE ── -->
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/compliance/housing-allowance-guide.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/compliance/501c3-explained.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/compliance/forms-1023-990.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/compliance/1099s-for-churches.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/compliance/employee-vs-contractor.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── FINANCIAL HEALTH ── -->
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/financial-health/church-cash-reserve-target.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/financial-health/how-much-debt-can-a-church-afford.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/financial-health/budgeting-for-new-churches.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/financial-health/church-profitability.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── GIVING ── -->
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/giving/donation-deductibility.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/giving/stock-donations.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/giving/bitcoin-crypto-donations.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/giving/missionary-payments.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/giving/capital-projects.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── YEAR END ── -->
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/year-end/accounting-checklist.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.dimeaccounting.com/guidebook/year-end/giving-statements.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

</urlset>
