SEE HOW I SAVE $200 A MONTH ON PAYPAL FEES

WHY SHOULD YOU USE THESE TOOLS?

As a freelance business owner it can be hard to figure out the best tools and apps to help your business run smoothly.

You're on a tight budget and you want to get the most return on your investment. But you don't always have the time to test and research the different products and services available to freelancers.

This is where I come in! I've created a helpful list of my favorite resources (all tried and tested by me) that will keep your budget and business organized.

FEATURED APPS

FreshBooks Invoicing & Accounting

FreshBooks Invoicing is one of the best bookkeeping programs I've ever used. Not only have I been a customer of them for 3+ years, I'm a FreshBooks Certified Beancounter! It also allows you to receive payments via PayPal for only $0.50 per transaction.

It comes with a mobile app and the basic version (up to 3 clients!) is free. It syncs with your checking accounts and allows you to share reports, receipts and transactions with your accountant.

Cost: free or $9.95+ per month

GET 30 DAYS OF FRESHBOOKS FREE
Digit Savings

This super simple app helps you save money without thinking. It withdraws money from your bank account into your Digit savings account based on your current bank balance. I use it to set aside tax payments that I have to pay to the IRS every quarter.

If you only have a small balance in your checking account, or even if you’re in the red, Digit won’t withdraw any money. No fees, no hassles and accessing your money is just a text away. 

Cost: free

START SAVING WITH DIGIT FOR FREE
GoDaddy Online Bookkeeping

GoDaddy Online Bookkeeping (formerly called Outright) is an accounting tools that's specifically geared towards online biz owners and freelancers.

It organizes all of your expenses and income from places like eBay, PayPal, Etsy, Amazon and imports transactions from your bank accounts and credit cards. And the best part is that it calculates and records quarterly tax payments.

Cost: $3.99 per month (or $120 a year)

CHECK OUT GODADDY BOOKKEEPING
Betterment Investing

As a freelancer you're responsible for your own retirement now, no employer is going to help. This is why I personally use and recommend Betterment.

It's an automated investing app that's perfect for beginners and Millennials. You can invest as little or as much as you want (seriously, you can start with just $10 per month!). And the best part is that you can get 3 months free just for being a Careful Cents reader. 

Cost: free with $100 deposit or $5 per month

CHECK OUT BETTERMENT FOR FREE

FREELANCING TOOLS

The Client Connection

No more struggling to find clients. No more second-guessing your rates. The Client Connection membership and library puts you back in control of your business with monthly workshops, mini-courses, templates and worksheets.

It's time to take your freelance work to the next level and I'll help you do that with personalized advice, videos and proven strategies that I've used to grow my client-based business to $48,000 a year.

Cost: $39 per month

BECOME A CLIENT CONNECTION MEMBER
Freelance Writing Starter Kit

I got my start in the online business world as a freelance writer and virtual assistant. It's something I will always be doing! Thanks to Gina's awesome 30-day course, you can go from earning $0 to $4,000 a month or more as a freelance writer. 

Gina shares her personal experience with quitting her full-time job to be the breadwinner for her husband and two small kids. Then she breaks that down into actionable steps you can start applying today. 

Cost: $59 ecourse

BECOME A FREELANCE WRITER IN 30 DAYS
Karma Wifi Hotspot

The Karma Go is a wifi hotspot that allows you to access the internet on the go no matter where you are, nationwide. The date you purchase never expires and only costs $14 per gig. 

For being a Careful Cents reader you can get $10 off the purchase of your device so you can work from anywhere. 

Cost: $139 one-time fee

SAVE $10 WHEN YOU BUY THE KARMA GO
Grammarly

Grammarly is an online writing ap that enhances and checks your writing for spelling mistakes, errors in punctuation, grammar and more. It can help you be seen as an expert writer and editor, which will allow your freelance business to earn more money. 

Cost: free

CHECK OUT GRAMMARLY FOR FREE

CUSTOM TEMPLATES

No More Job Boards Workshop

Every freelance business needs clients to be successful but traditional job boards just don't work. They're a waste of your time, money and put you into the employee mindset again.

In this free video workshop I go into detail about the three ways I find well-paying clients without using a single job board -- all of which are completely free. Start taking back control of your freelance client work and earning more money, today!

Cost: free

GET THE FREE VIDEO TRAINING
Tax Toolkit & Checklist

Every freelancer deserves to get the most tax deductions they qualify for. To help you achieve this, so you can pay less taxes, I've put together a simple toolkit that will help you organize freelance income and expenses, calculate and pay quarterly taxes and get the most out deductions during tax season. 

Cost: free

GET THE SELF-EMPLOYED TAX CHECKLIST
Freelancer Budget Template

Get my free self-employed budget template to track your irregular income and expenses. You can download the printed version via PDF or copy and paste the digital spreadsheet template so you can create a business budget plan that works for you.

Cost: free

GET THE FREELANCER BUDGET TEMPLATE