Business

Wave Accounting Review: Free Accounting Software for Your Small Business

wave accounting review

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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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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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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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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GoDaddy Bookkeeping Review (for 2019): Organize Your Business

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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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eHealthInsurance Review: Lower Your Health Insurance Costs

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Finding ways to lower health insurance costs when self-employed is tough. There are many different options available, but finding an affordable one can seem impossible. The good news is that eHealthInsurance is one of the best ways to compare prices and different insurance plans. So you can find the best rate for the coverage you need! If you’re …

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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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Gusto Payroll Review 2019: 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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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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Top PEO Companies In Illinois (Recommended in 2019)

Searching for the right PEO company for your Illinois business? You’re not alone…IL companies in Illinois and elsewhere in the state have started looking to Professional Employer Organizations, or PEO’s, for help with their HR functions and the options to choose from have grown to impossibly large numbers. Now more than ever, PEO’s are fighting …

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Top PEO Company In New Jersey (Recommended in 2019)

Locating the right PEO for your New Jersey-based business isn’t as easy as it may seem. PEO providers have become more specialized in what industries they serve, what HR-related services they provide, and how they price these services. Evaluating all of the available PEO companies to find one that works best requires extensive research, which …

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Top 10 Best PEO Companies in Texas (Recommended)

Business owners in Texas are always looking for new and creative ways to reduce operating costs and streamline day-to-day operations. While there are many approaches one can consider to do this, one of the most effective and sustainable among them is leveraging a partnership with a Professional Employer Organization, or PEO. PEO’s often have vast …

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Top 10 Best PEO Company In California (Recommended)

California based companies are relying more and more on Professional Employer Organizations, or PEO’s, to manage their HR, payroll and benefits administration functions. Working with a PEO is a straightforward process once you find the right PEO for you, but making that choice regarding who to work with isn’t always so easy. There are numerous …

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Top PEO Companies in New York

Deciding to partner with a Professional Employer Organization, or PEO, is an important step for any small- or medium-sized business who wants to grow their organization. The reason PEO’s have become so popular in New York in particular is because of the growing need for business owners to focus on running their businesses, letting the …

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10 Best PEO Companies in 2019

The entire idea behind Professional Employer Organizations, or PEO’s, is to streamline core business functions like payroll, benefits administration, and compliance, so that small- and medium-sized companies can run smoother with lower overhead.  As an example of how we evaluate PEO’s for their worthiness as an outsourced HR services provider, we’re comparing three PEO’s, each …

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QuickBooks Online vs QuickBooks Self-Employed (2019 Compared)

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 …

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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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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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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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