Business

10 Affordable Self-Employed Health Insurance Options When You’re on a Budget

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Trying to find affordable self-employed health insurance options isn’t easy. There are many choices but not all of them are within your budget. This can make it frustrating to figure out whether or not good health insurance coverage is worth breaking the bank. #1 Self Employed Health Insurance Pick! eHealthInsurance.com is the most popular self employed health …

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QuickBooks Self-Employed Review: Tax Software for Business Owners

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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 …

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

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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 …

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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 …

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

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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 …

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Gusto Payroll Review 2018: Try Free for One Month

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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. …

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LLC vs S Corp: A Step-by-Step Guide for Choosing 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. That’s why you absolutely have to choose the best business entity, or risk losing all your hard-earned money on paying …

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5 Best Small Business Accounting Systems for 2018

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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 …

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[Comparison] QuickBooks Online vs QuickBooks Self-Employed

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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 …

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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, …

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[Budget Worksheet] How to Budget With Irregular Income to Avoid Going Broke

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Being self-employed is tough enough without having to learn how to budget with irregular income. But today, you’re going to learn how to properly budget for success! Without this skill, your business could be making you broke. You’re not alone in this feeling — it’s something we all deal with as small business owners. It’s …

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How to Survive the Ups-and-Downs to Succeed as Your Own Boss

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To succeed as your own boss often seems like an up-hill battle. There are many ups-and-downs you’ll face and it can feel like you won’t be able to survive them all. How do I know this? When you’re self-employed you experience major peaks and valleys. Self-employment isn’t easy. When you work for yourself you tend …

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Wave Accounting Review: Free Accounting Software for Your Small Business

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When I first started my freelance business, I didn’t have money to hire an accountant. I also didn’t want to spend a lot of money to buy accounting software like QuickBooks. I was looking for free accounting software for small businesses. What I needed was a comprehensive tool that could help me manage expenses and income, …

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GoDaddy Bookkeeping Review: Organize Your Business Accounting Online

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When it comes to personal finances and budgeting, Personal Capital is a very popular favorite. And with good reason! But what about managing your business finances? Personal Capital isn’t tailored for small business accounting, calculating quarterly taxes, monitoring your cash flow, or for viewing year-end tax reports. That’s when to GoDaddy Bookkeeping (previously called Outright) …

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Xero Accounting Review: DIY Software to Be Your Own Bookkeeper

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There are lots of online accounting choices for freelancers and small business owners. Because of this, it can make it difficult to pinpoint which one will work best for your personal business. Sometimes this means finding a local CPA or accountant who can handle the books for you. Or perhaps hiring a freelance bookkeeper to …

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How to Manage Your Small Business Finances When Traveling

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This post brought to you by Chase. The content and opinions expressed below are that of Careful Cents. Over the past several years I’ve traveled and lived in places like New York, Seattle, Dallas, San Francisco, Denver, San Diego, New Orleans and countless other cities across the United States. And I did this all while …

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How Much to Pay Yourself as a Small Business Owner (the Exact Formula)

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As a small business owner one of your biggest concerns is likely how to pay yourself. Being well-compensated is a big part of feeling valued, confident and productive. Now, think back to the first paycheck you ever received. If your experience was anything like mine you were probably in your late teens or early twenties, …

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How to Stop Hating and Start Loving Your Small Business Finances

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Don’t you want to go from hating to loving your small business finances? If you’re anything like me, I can sometimes get pretty bitter over not getting paid on time or making business investments that don’t pay off. (Anyone else buy a course they regret? Ha!) I’ve been a full-time self-employed for 4 years. And prior …

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What Does a Bookkeeper Do and Should You Hire One for Your Business?

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As a freelance business owner, it can be overwhelming to do all the daily tasks on your own. Handling finances, organization and other accounting tasks can be downright stressful and annoying. This is why I strongly recommend that you evaluate whether or not you should do the bookkeeping and taxes yourself, or hire a professional. There …

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