Becoming an LLC: How to Form an LLC in Your State

This post is a personal update on how and why I finally become an LLC. As my business has grown and evolved over the years, I’ve only done business under my name and personal Social Security number. But with my transition from freelance writer to project manager I knew I wanted to take my business to the next level. I mean, who wants to keep giving out their personal SS number and name for … [Read more...]

The Top 5 Best Small Business Accounting Systems for 2018

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 all about working smarter not harder and being able to earn more money in less … [Read more...]

Why I Closed My Private Facebook Group of Nearly 3,000 Members

Four years ago I started a Facebook group called The Freelancer’s Club. At that time it was a paid group where freelancers had to pay $10 a month to join. In exchange, they would receive job leads and valuable freelance resources to help grow their client base. After about a year, I removed the paid option and made the group free to anyone who signed up through my email list. Since then the group … [Read more...]

Cinch Review: Manage Your Entire Financial Life in One Place

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. Not to mention the 15+ savings accounts that you have to manage (or is that just me?!). In other words, your finances are anything but … [Read more...]

How to Manage a Hectic Business Schedule Without Losing Your Mind

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 schedule has completely changed because of it. Not only that, … [Read more...]

Systems for Your Email: How to Automate Your Inbox in Minutes

Are you overloaded with your email inbox? If you’re looking for a system to automate your email in just a few minutes, I have a solution for you! And this isn’t just theory, this is something I’ve personally been able to accomplish. Last week a miracle happened. A straight up miracle, y’all! For the first time ever (so it seems) I hit inbox zero with my Gmail account. If you run an online business … [Read more...]

5 Awesome 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 even free!). For most of this year I’ve personally struggled with the daily stress of managing my … [Read more...]

The One Thing that Will Fix Your Business Finances Forever

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 I do every week to automate and streamline my business. These are strategies I’ve put in place as way to reduce stress and gain more freedom as a business owner. And I always share my ideas and strategies to help you too! I mean, no one wants to be tethered to their desk … [Read more...]

How to Stop Business Cash Flow Problems and Finally Get Paid on Time

Here are Careful Cents headquarters, this month is all about Organizing Your Small Business Finances and today I’m talking about how to stop business cash flow problems. In order to get back to a positive place with your money, the first step is to get your cash flow under control. That way,you can finally be on the path to not hating your finances! Getting paid on time, and keeping a … [Read more...]

10 Best Sites to Buy Cheap Office Supplies For Your Business

With back-to-school season in full swing, I’m getting the itch to browse the office supply store shelves and go wild. And there are lots of ways to score cheap office supplies on a budget! As you begin restocking your home office or small business space, get creative. Try purchasing from a reputable site, or checking out a new company you haven’t tried yet. Thanks to the internet, there are … [Read more...]

Why I Quickly Transitioned from Freelance Writer to Virtual Assistant

A couple months ago, I did an impromptu Facebook Live on my Careful Cents Facebook Page. I had a lot of thoughts swirling around in my head about whether I should transition from freelance writer to virtual assistant. For the past year or so, I’ve been struggling with the direction of my business. It just felt like I was doing the work but without any real purpose in mind. As a business owner you … [Read more...]

How to Budget With Irregular Income to Avoid Going Broke

Being self-employed is tough enough without having to learn how to budget with irregular income. But without this skill, your business could be making you broke. You’re not alone in this feeling — I regularly get questions related to this subject in my inbox. It’s something we all deal with as small business owners. It’s tough to balance finding new work, getting paid, and … [Read more...]

7 Things I Did to Stop Stressing About Money (for Good)

Earlier this year I had enough. I wanted to stop stressing about money once-and-for-all. I’m not sure if you know this, but money is stressful. It creeps into every part of your life and then next thing you know, you’re stressed out, worrying all the time, and not sleeping. Sound familiar? Or is that just me?! For my entire adult life, I’ve stressed out about money and my career. As someone who … [Read more...]

Betterment Review: Automate Your Investments to Quickly Build Wealth

According to the Retirement Confidence Survey, more than half of American workers have less than $25,000 in retirement savings. As someone who’s self-employed we have a bit more control over our finances. But even then, it’s tough to save for retirement when you have irregular income. This is why many retirees are being forced to come out of retirement to find jobs to support their … [Read more...]

10 Simple Time Management Tips to Rock Your Workday

Finding simple time management tips that actually work is harder than you might think. Should you strive for better focus management, or a good morning routine? When trying to take back your time it can be confusing with so many bits of advice available. How do you know which ones will actually work? There’s no one-size-fits-all answer, but I’m here to give you some much-need help. As … [Read more...]

Change Your Mindset: 8 Meaningful Ways to Stand Out as a Female Boss

When you’re a woman in a man’s world, specifically the business world, it can be hard to gain traction. You’re not always respected or paid as much as a man is paid. This is not my opinion, but actual facts, which makes it more difficult to build a successful business. Take James Chartrand, founder of Men With Pens. Her story is quite shocking (yes, her!) as James is the pen name of this … [Read more...]

How to Simplify Your Financial Life and Be More Mindful

Are you looking for new ways to simplify your financial life? Let’s get real, managing your money and business isn’t easy. And I totally get it! I am always seeking new ways and tips to become more mindful in my life and business. I strive to be a mindful consumer, thoughtful eater, and smarter spender. If these are your goals too then I have some tips that will help you get started. … [Read more...]

How to Be a Critical Thinker and Conquer All Your Money Problems

Learning how to be a critical thinker takes time and a lot of patience. But in the end it’s the key to solving any problem that life throws at you. Life is full of obstacles, whether they’re financial issues, mental problems or physical setbacks. But in order to be a successful business owner and manage money on your terms, you have to learn how to overcome them with critical thinking. In my … [Read more...]

Bring Back the Spark: 12 Powerful Ways to Breathe Life Into Your Business

Throughout this month I’ve been talking a lot about business burnout. I opened up about how to find your passion when you feel lost and unmotivated. Then I shared how to reduce stress and overcome feelings of burnout successfully. Finally, I explained the one true tactic I use to solve every single problem I have. But I’m not stopping there! Recognizing business burnout and going … [Read more...]

How to Eliminate Distractions and Be More Productive at Home

To best way to optimize your time as a business owner is to be more productive at home. But how do you eliminate distractions during busy months? The summer months are one of the most overwhelming and crazy times of the year. This can be a good thing or a bad thing depending on how you handle it. If you’re planning on making huge strides in the growth of your biz, you might as well know that … [Read more...]

10 Compelling Reasons to Take a Break from the Constant Hustle

There comes a time in every business owner’s life where you just need to take a break. Maybe you’re not sure what the next step is. Or maybe you just reached a big goal and need some time off. Whatever the reason is, every entrepreneur deserves a break from creating, building, growing and learning. The problem though, is that we create more excuses for reasons NOT to take a break then … [Read more...]

Focuster Review – Focus Management Software for Business Owners

Focus management is an up-and-coming idea where you use tools and apps to focus more and have better productivity. And as a small business owner we can use all the focus help that we can get. Am I right?! In past articles I’ve talked about how I use Asana to manage client projects and deadlines. I’ve shared the exact details of how to eliminate distractions and be more productive when … [Read more...]

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

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 I first quit my job to be my own boss, I was so excited to take back the one thing that I felt was stolen from me: my time. After all, that’s one of the biggest perks of being your own boss, right? You get … [Read more...]

How to Pre-Plan Your Work Week So You Stress Less

Have you tried to plan your week and failed to get into a good routine? I know the feeling. I’ve learned that how I plan my week determines one of two things. I either have a great week where I’m super productive, or become so stressed out that I get nothing done. Either way, I can look at my schedule and accurately determine how the week will go and what needs to expect. There’s still room … [Read more...]