FreshBooks Review 2018: Try Cloud Accounting Software Free for 60 Days

freshbooks cloud accounting

No matter what type of business you’ve built it’s vital you find accounting software that keeps tracks of your business income and expenses. And that’s where FreshBooks comes in! Over the years, FreshBooks has offered many different iterations of their software. The great thing though is that compared to other complicated accounting programs (like QuickBooks …


How to Improve Your Life by Tracking Every Tiny Business Expense

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Improving your life as a small business owner starts by making small but positive changes. There are so many aspects of our lives that need to be taken care of: health, financial, social, personal and business. Some days it can feel overwhelming trying to balance everything and still find enjoyment in your work. One of …


5 Insanely Simple Ways to Fix Your Finances (With a Money System)

fix your finances

Are you ready to fix your finances? In this post that’s exactly what I’m talking about! In the past I’ve talked about the business systems you need to take back your work day. And I’ve also explained the ten things you can do every week to automate and streamline your business. These are strategies you …


H&R Block Tax Software 2018: Self-Employed Online Tax Filing Made Easy

h r block tax software self-employed

Have you ever wished that you file your self-employed taxes online without the hassle of dealing with a complicated interface? Now you can with a great new option from H&R Block Tax Software! H&R Block recently rolled out a new Self-Employed Online Tax Filing option for small business owners and the self-employed. This is in …


4 Tax Programs to File Self-Employed Taxes Online (for Less than $100)

self-employed taxes

Learning to file self-employed taxes online may seem daunting at first. Especially if you don’t have any tax experience or much knowledge. But that doesn’t mean you should miss out on saving money. In fact, you can easily create systems for your business income and expense, while saving $500+ in tax filing fees. By the time …


18 Proven Ways to Pay Off Debt Fast When You’re Self-Employed

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Figuring how to pay off debt fast when you’re self-employed is tough. You don’t know where to start or what strategies will actually work. You income is all over the place, and you’re not sure what your next project will be. How the heck are you supposed to pay off debt quickly? One thing most …


How to Avoid a Huge Tax Bill When You’re Self-Employed

avoid tax bill

There are some awesome advantages to being your own boss, but trying to avoid a huge tax bill can seem impossible. Since you’re no longer an employee (that gets the benefit of having an employer pay half your taxes) you’re responsible to pay your own taxes every year. When you’re a blogger or online business …


5 Best Online Savings Accounts to Grow Your Money This Year

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Finding the best online savings account to put your money in is a crucial decision. The great thing though, is that you don’t have to limit yourself to just one type of account. Heck, you can have as many different savings accounts as you want — since most of them are free to open! But it …


5 Best Standing Desk Alternatives You Can Actually Afford

best standing desk alternatives

Finding the best standing desk often means spending $500 or more! And that’s usually for a cheap standing desk too, since the nicer, more expensive ones can cost thousands of dollars. As a smart business owner, I knew there had to be standing desk alternatives that were cheap, portable, heavy duty, and worked in a …


5 Tips for Starting a New Business With No Money (free checklist!)

starting a new business

Is this the year you’re finally committing to starting a new business? Are you struggling to find ways to fund your business because of money issues? Well I have some good news! This post provides a simple business checklist for starting a new business even when you don’t have money upfront. According to a study by the …


Gusto Payroll Review 2018: Try Free for One Month

gusto payroll review

Are you looking for the best small business payroll program that won’t break the bank? Here’s why you need to try Gusto Payroll services. Finding the best small business payroll service isn’t always easy or cheap. It takes time to research the best programs, find the features you’ll actually use, and then stay tax compliant. …


How to Start the New Year Fresh With a Financial Reset

how do to a financial reset

A new year is the perfect time to do a financial reset on your business and money. In fact, I’ve been doing my yearly review of my finances, expenses, income, taxes, and business expenses. If you want to see my blog stats and income reports, I send out updates every month to my list of …


QuickBooks Self-Employed Review: Tax Software for Business Owners (Save 50%)

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You’ve heard a lot about QuickBooks Online. But you’ve been searching for something better, with more features and that’s not as complicated to use. You want a version of Intuit’s accounting software that’s made for self-employed business owners. Something like, QuickBooks Self-Employed, maybe? BOOM! It looks like your prayers have been answered. Here is my …


How to Open a Business Bank Account Online as an LLC

Everything you need for ppening a business checking account

In recent months I’ve been on a mission to make my business legit. In my last post I talked about becoming an LLC and operating as a single-member business owner. Today, I’m excited to talk about out opening my first official business checking account! In the past I’ve had personal bank accounts with a DBA …


Becoming an LLC: How to Form an LLC Online in 30 Minutes

Becoming an LLC in your state

Are you ready to form an LLC so you can grow your business? You’ve come to the right place! This post explains how and why you’ll want to become an LLC versus doing business under your name and personal Social Security number. The best way to protect your personal information is to form an LLC …


5 Best Small Business Accounting Systems for 2018

small business accounting systems

Sifting through multiple small business accounting systems is time-consuming and quite the headache. And I should know! As an ex-accountant and small business advocate it’s my job to test out different programs and share my honest findings. The good news is that I don’t mind putting in the work so you don’t have to. I’m …


[Comparison] QuickBooks Online vs QuickBooks Self-Employed

How to switch from quickbooks online to quickbooks self employed

How do you know if QuickBooks Online or QuickBooks Self-Employed is the best bookkeeping software for your business? This is a question we’ve seen asked quite a bit here at Careful Cents — especially since QuickBooks Self-Employed is much cheaper. When Intuit rolled out QuickBooks Self-Employed (also called QBSE for short), freelancers and independent contractors …


Cinch Review 2018: Manage Your Entire Financial Life in One Place

Cinch Financial Review

Have you ever wished that there was something that could handle ALL of your financial information in one place? If you’re anything like me you probably use multiple tools for your business and personal finances, as well as a spreadsheet to monitor expenses. In other words, your finances are anything but streamlined and simple! Thankfully, …


5 Awesome Self-Care Tips for Dealing With a Stressful Business

5 self-care tips for dealing with a stressful business

Dealing with a stressful business can make you question why you wanted to be a business owner in the first place. I get it. I’ve struggled with this too. So today I’m sharing a few ways to successfully deal with a stressful career by engaging in self-care — that you can do for cheap (or …