Here is a list of things you can get for yourself: four financial tools that empower and grow your small business or freelancing career. With a price tag of $0, you will not lose anything by taking any of these apps for a test spin. Treat yourself!


When you are starting a business it’s not just about your business finances, your personal budgeting is important to keep tabs on too. Mint is a wonderful tool to help you track all your finances. You can link up all kinds of bank, credit card, and loan accounts to get a clear picture of your financial health. Set a monthly budget and goals and use their notification settings to help keep yourself on track. Mint is an Intuit product so it is pretty powerful. They have added a lot of cool paid features recently like bill pay and credit tracking. They also have a great mobile app for checking your budget while out and about. Check them out at

2) Wave

Wave is a group of apps that allows you to track your transactions, create estimates and invoices, generate receipts, and manage your payroll. Everything is free except for payroll, which varies based on the number of employees in your business. Wave is ad supported, so you will have to deal with commercials and display ads on the side, but most people would prefer that to having to pay for an app. Wave also offers a variety of ancillary services that small businesses might find useful. The Wave Pro Network helps small businesses find professional accountants to help manage their books, and you can integrate payment options into your invoices that will allow customers to pay directly on your digital invoice.

3) Paypal for Business

If you are buying things online, or accepting payments, then you need to be set-up with a proper business Paypal account. It should be completely separate from your personal Paypal, so you don’t have purchase confusion. Most people don’t realize that you can send pretty nice looking invoices straight from PayPal. While it is not 100% free to get paid via Paypal for a business, there is no upfront cost to setting up the account or sending an invoice.

4) Google Drive

Rather than list each element of Google Drive, we will just say that all of it is awesome! When we’re talking about finances though, Google Sheets is a lot more powerful than you initial think. With the latest updates there are now pre-built templates, including a Monthly Budget, that you can customize and use as a Profit and Loss report. You can also track inventory within Google Sheets if you sell physical products. We know many business owners who are still bootstrapping their financial tracking using Google Sheets. If you have some knowledge in spreadsheets, then Google Sheets is a simple and free option to track all sorts of things. Check them out at

Don’t let a small start-up budget keep you from using great tools. Give these a test drive and see what fits best for you, and your business.