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 …


Reclaim Your Time: How to Stay Focused While Working at Home

work from home jobs

Learning how to stay focused while working at home isn’t always easy. It takes practice and time to find out what routine works best and what times of the day you function most. When you first quit your job to be your own boss, you were probably super excited to take back the one thing …


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 …


How 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

investing in your business

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 Organize Your Entire Business and Team With Asana

asana task management

As an online business and blogger, you’re constantly juggling client assignments. There are various deadlines, a multitude of client requests, not to mention other ideas you have floating around in your head. 😉 Every project you work on and every client you onboard has their own specifications, style and voice, and submission guidelines. Staying organized and …


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 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 2018 Review: 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 …


LLC vs S Corp: How I Chose the Best Small Business Entity

LLC vs S Corp

Should you be an LLC or an S Corp? Figuring out the difference between an LLC vs S Corp can be tough. Each decision comes with a different tax liability which effects your bottom line. To wrap up this month’s theme of choosing the best business entity, I’m explaining exactly why I chose to be an …


QuickBooks Self-Employed 2018 Review: Save 50% for 3 Months

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As someone who was a small business accountant for over 10 years, I’ve had a lot of experience with Intuit’s QuickBooks software. And to be honest I never really liked QuickBooks. The desktop software was clunky and geared more towards inventory-based businesses. But as the years have progressed so have the offerings from different Intuit …


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 …


The Top 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 …


When to Switch from QuickBooks Online to 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: 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, …


How to Manage a Hectic Business Schedule Without Losing Your Mind

How to manage a hectic business schedule

No one likes a hectic business schedule, but this is something that’s happening more frequently in today’s tech world. Even for someone who’s a productivity expert, I can get lost in the daily minutia. Over the past few months I’ve gone from freelance writer to project manager. It’s been a big transition and my daily …