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Cloud Books is free invoicing and accounting software for freelancers and small businesses. You can use the software to send estimates and invoices, accept payments, and track expenses.
ZipBooks is a free online accounting software company based in American Fork, Utah. The cloud-based software is an accounting and bookkeeping tool that helps business owners process credit cards, track finances, and send invoices, among other features. [1]
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Wave is a Canadian company that provides financial services and software for small businesses. Wave is headquartered in the East Bayfront neighborhood in Toronto, Canada.. The company's first product was free online accounting software designed for businesses with 1–9 employees, followed by invoicing, personal finance and receipt-scanning software (OCR). [1]
Harvest offers time tracking, invoicing, expense tracking, and time-based reporting. Users can send automated payment reminders from the software if clients haven't paid an invoice on time. This is a "less stressful option for managers who hate dunning their customers."
But be selective about where you trim. The key areas where people often regret cutting costs are retirement savings, insurance coverage, health expenses, travel, leisure activities and household help.
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