{"id":3297,"date":"2019-09-10T12:03:20","date_gmt":"2019-09-10T11:03:20","guid":{"rendered":"https:\/\/www.negup.com\/blog\/?p=3297"},"modified":"2025-12-04T07:36:23","modified_gmt":"2025-12-04T07:36:23","slug":"business-apps","status":"publish","type":"post","link":"https:\/\/www.negup.com\/blog\/business-apps\/","title":{"rendered":"Top Business Apps: 15 Apps That Will Make You Insanely Productive"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> 8<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span>\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><div><div><a href=\"#1-focuster-focus-schedule-management-business-apps\">1. Focuster (focus &amp; schedule management) Business apps<\/a><\/div><div><a href=\"#2-asana-project-task-management\">2. Asana\u00a0(project &amp; task management)<\/a><\/div><div><a href=\"#3-quick-books-self-employed-accounting-software\">3. QuickBooks Self-Employed (accounting software)<\/a><\/div><div><a href=\"#4-discovers-cashback-debit-banking-service\">4. Discover\u2019s Cashback Debit\u00a0(banking service)<\/a><\/div><div><a href=\"#5-fresh-books-cloud-accounting-invoicing-app\">5.FreshBooks Cloud Accounting\u00a0(invoicing app)<\/a><\/div><div><a href=\"#6-dropbox-cloud-syncing-software\">6.Dropbox (cloud syncing software)<\/a><\/div><div><a href=\"#7-grammarly-editing-software\">7. Grammarly\u00a0(editing software)<\/a><\/div><div><a href=\"#8-focus-will-productivity-music\">8. Focus@will (productivity music)<\/a><\/div><div><a href=\"#9-mint-com-budgeting-app-business-apps\">9.\u00a0Mint.com (budgeting app) Business apps<\/a><\/div><div><a href=\"#10-go-daddy-bookkeeping-accounting-app\">10. GoDaddy Bookkeeping (accounting app)<\/a><\/div><div><a href=\"#11-pay-pal-premier-or-business-payment-app\">11. PayPal Premier or Business (payment app)<\/a><\/div><div><a href=\"#12-digit-microsavings-app\">12. Digit (microsavings app)<\/a><\/div><div><a href=\"#13-my-pocket-bookmarking-app-business-apps\">13.\u00a0My Pocket (bookmarking app) Business apps<\/a><\/div><div><a href=\"#14-qoins-debt-payoff-app-business-apps\">14. Qoins (debt payoff app) Business apps<\/a><\/div><div><a href=\"#15-acorns-microsavings-investing-app-business-apps\">15. Acorns (microsavings investing app) Business apps<\/a><\/div><div><a href=\"#bonus-16-hundreds-of-online-business-entrepreneur-courses-free-resource\">BONUS: 16. Hundreds of Online Business &amp; Entrepreneur Courses\u00a0(free resource)<\/a><div><div><a href=\"#by-carrie-smith-nicholson\">By Carrie Smith Nicholson<\/a><\/div><\/div><\/div><\/div><\/nav><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Testing out the top business apps to use as a freelancer can take a lot of time. The good news though, is that I\u2019ve done the work for you!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After spending several years as a self-employed biz owner myself, and working with a team of 3-4 people, I\u2019ve tested out lots of different tools and apps to help streamline our business process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This has allowed me to be more productive, as well as <a href=\"https:\/\/www.carefulcents.com\/earn-more-and-work-less\/\" target=\"_blank\" rel=\"noopener noreferrer\">earn more money in less time<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From managing financial goals, to working with clients, to balancing everything on the go, we all want to&nbsp;work smarter not harder.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Likewise, you have <a href=\"https:\/\/www.carefulcents.com\/benefits-of-side-hustle-gig\/\" target=\"_blank\" rel=\"noopener noreferrer\">big business goals<\/a>&nbsp;and to accomplish them you need <strong>some serious apps to be more productive. <\/strong>And you want tools that stop you from&nbsp;wasting a lot of time and money!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To that end, here are the top business apps that will make you insanely productive so you can run your biz like a boss. They can help you make your business a massive success this year!<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"1-focuster-focus-schedule-management-business-apps\">1. <a href=\"https:\/\/www.carefulcents.com\/focuster\" target=\"_blank\" rel=\"noopener noreferrer\">Focuster<\/a> (focus &amp; schedule management) Business apps<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2017\/05\/Focuster-connect-to-your-favorite-apps.png\" alt=\"Focuster connect to your favorite apps\" class=\"wp-image-28240\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/focuster\" target=\"_blank\" rel=\"noopener noreferrer\">Focuster<\/a> is an awesome new program that allows you to schedule your most productive workday without even thinking. By inputting all of your tasks (work related and personal) you can organize them by how long they will take to complete.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Focuster will then prompt you to <a href=\"https:\/\/www.carefulcents.com\/focuster-review\/\" target=\"_blank\" rel=\"noopener\">sync your Google Calendar<\/a> so you can quickly create a schedule for that day.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you don\u2019t complete a task that day, no problem. Focuster Business apps will send you alerts and reminders until the task is complete. So you never have to worry about forgetting something on your list!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/focuster\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to try Focuster free for 14 days<\/a> and use it to schedule a better workday.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"2-asana-project-task-management\">2. <a href=\"https:\/\/asana.com\/mobile-apps\" target=\"_blank\" rel=\"noopener noreferrer\">Asana<\/a>&nbsp;(project &amp; task management)<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2015\/03\/real-asana-mobile-app.png\" alt=\"asana mobile app\" class=\"wp-image-27507\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/business-systems-organize-clients\/\" target=\"_blank\" rel=\"noopener noreferrer\">Asana is a task management tool<\/a> that I&nbsp;swear by! It&nbsp;helps me collaborate with team members and stay on top of deadlines. But the best part is that it allows me to <strong>forward emails from my inbox to Asana<\/strong>&nbsp;and automatically creating a task.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I especially love that it keeps my inbox clear from unnecessary back-and-forth emails.&nbsp;Hello inbox zero! And <a href=\"https:\/\/asana.com\/mobile-apps\" target=\"_blank\" rel=\"noopener noreferrer\">Asana\u2019s mobile app<\/a> is a must-have when you work as a location independent freelancer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re already an Asana user then you know how awesome it is! But you can make daily use of Asana even better with the <a href=\"https:\/\/www.carefulcents.com\/asanaforbloggers\/\" target=\"_blank\" rel=\"noopener noreferrer\"><em>Asana For Bloggers<\/em><\/a> course. This course&nbsp;is packed with tips and tricks to help streamline your productivity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/asanaforbloggers\/\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to check out the Asana For Bloggers course<\/a>! It\u2019s only $25.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"3-quick-books-self-employed-accounting-software\">3. <a href=\"https:\/\/www.carefulcents.com\/quickbooks-self-employed-review\/\" target=\"_blank\" rel=\"noopener noreferrer\">QuickBooks Self-Employed<\/a> (accounting software)<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2014\/03\/quickbooks-top-tax-apps.jpg\" alt=\"\" class=\"wp-image-25149\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/quickbooks-self-employed-review\/\" target=\"_blank\" rel=\"noopener noreferrer\">QuickBooks Self-Employed<\/a> is one of&nbsp;the <strong>top finance apps<\/strong> for freelancers and small business owners. After not liking QuickBooks for many years, I\u2019ve officially been converted. Now, I swear by this app!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can use <a href=\"https:\/\/www.carefulcents.com\/quickbooks\" target=\"_blank\" rel=\"noopener noreferrer\">QuickBooks Self-Employed<\/a> to track business income, expenses, create financial reports and even estimate quarterly taxes. You can also create invoices for client work, take pictures of receipts and track time for certain projects.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus, it comes with <a href=\"https:\/\/www.carefulcents.com\/business-expense-tracker\/\" target=\"_blank\" rel=\"noopener noreferrer\">a business expense tracker<\/a> and business mileage tracker. This will ensure you always get the most tax deductions possible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can also use it on cloud using <a href=\"https:\/\/www.clouddesktoponline.com\/\" target=\"_blank\" rel=\"noopener\">cloud desktop<\/a>. Apart from QB self-employed you can use <a href=\"https:\/\/www.apps4rent.com\/quickbooks-cloud-hosting\/\" target=\"_blank\" rel=\"noopener\">QuickBooks Premier Hosting<\/a> as an alternative.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/quickbooks\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to try QuickBooks Self-Employed<\/a> free for 30 days!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"4-discovers-cashback-debit-banking-service\">4. <a href=\"https:\/\/www.carefulcents.com\/discoverbanking\/\" target=\"_blank\" rel=\"noopener noreferrer\">Discover\u2019s Cashback Debit<\/a>&nbsp;(banking service)<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2015\/12\/Discover-bank-app.png\" alt=\"Discover Bank\" class=\"wp-image-25519\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re looking for a great free personal checking account, you might like&nbsp;Discover\u2019s Cashback Debit account. It\u2019s a great tool for banking, saving, and it doesn\u2019t have any fees!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They offer&nbsp;<a href=\"https:\/\/www.carefulcents.com\/best-business-checking-account\/\" target=\"_blank\" rel=\"noopener noreferrer\">totally free business checking<\/a> and savings accounts, so you can run your biz like a boss.&nbsp;And did I mention you get all of this doesn\u2019t for NO monthly fee?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Score!&nbsp;<a href=\"https:\/\/www.carefulcents.com\/discoverbanking\/\" target=\"_blank\" rel=\"noopener noreferrer\">Open a new Discover Cashback Debit<\/a>&nbsp;account <strong>for free!<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"5-fresh-books-cloud-accounting-invoicing-app\">5.<a href=\"https:\/\/www.carefulcents.com\/freshbooks-review\/\" target=\"_blank\" rel=\"noopener noreferrer\"> FreshBooks Cloud Accounting&nbsp;<\/a>(invoicing app<strong>)<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><a href=\"https:\/\/www.carefulcents.com\/freshbooksapp\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2014\/03\/freshbooks-top-tax-apps.jpg\" alt=\"\" class=\"wp-image-25154\"\/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/freshbooks-review\/\" target=\"_blank\" rel=\"noopener noreferrer\">FreshBooks Cloud Accounting<\/a> is an all-in-one invoicing and bookkeeping app for virtual business owners. I use FreshBooks to track time on my projects, send out all my invoices, and to manage my monthly reports.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I&nbsp;like FreshBooks because it\u2019s so user-friendly, makes invoicing (and following up) with clients hassle free! Plus, you can <a title=\"Stop Paying High Invoicing Fees: A Simple Hack for Solopreneurs\" href=\"https:\/\/www.carefulcents.com\/avoid-invoicing-fees\/\" target=\"_blank\" rel=\"noopener noreferrer\">save LOADS of money on PayPal fees <\/a>and&nbsp;only have to<strong> pay a $0.50 flat fee<\/strong>, instead of the usual 3ish percent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/freshbooksapp\" target=\"_blank\" rel=\"noopener noreferrer\">Use the FreshBooks Cloud Accounting<\/a> app free for <strong>60 days!<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"6-dropbox-cloud-syncing-software\">6.<a href=\"http:\/\/db.tt\/xpvGvhKf\" target=\"_blank\" rel=\"noopener noreferrer\"> Dropbox <\/a>(cloud syncing software)<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><a href=\"http:\/\/db.tt\/xpvGvhKf\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2015\/03\/dropbox-mobile-app.png\" alt=\"dropbox mobile app\" class=\"wp-image-27509\"\/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Where would I be without <a href=\"http:\/\/db.tt\/xpvGvhKf\" target=\"_blank\" rel=\"noopener noreferrer\">Dropbox<\/a>? It helps me save all of my photos, videos, PDFs, and documents on the cloud (it\u2019s a great backup!). Not only that, but I can share my files easily back-and-forth from my iPhone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can get a free plan, but in the event you need more storage, you can upgrade to a paid plan. If you want to organize all your digital media (and sync it with your mobile phone), Dropbox is where it\u2019s at.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/db.tt\/xpvGvhKf\" target=\"_blank\" rel=\"noopener noreferrer\">Join Dropbox for free <\/a>and use it to organize your business on the go!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"7-grammarly-editing-software\">7. <a href=\"https:\/\/www.carefulcents.com\/grammarly-review\/\" target=\"_blank\" rel=\"noopener noreferrer\">Grammarly<\/a>&nbsp;(editing software)<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><a href=\"https:\/\/www.carefulcents.com\/grammarly\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2015\/03\/grammarly-review1.png\" alt=\"grammarly app\" class=\"wp-image-27523\"\/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are a writer or editor, then this tool will completely change the way you work. <a href=\"https:\/\/www.carefulcents.com\/grammarly-review\/\" target=\"_blank\" rel=\"noopener noreferrer\">Grammarly<\/a> is an online writing app that enhances and checks your writing for spelling mistakes, errors in punctuation, grammar, vocabulary usage, and more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a writer or editor, your work has to be error-free. We all make mistakes, but with Grammarly you can catch all of your errors<em> before<\/em> you hit send.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/grammarly\" target=\"_blank\" rel=\"noopener noreferrer\">Use Grammarly <\/a>to make sure all your pitches and business emails are error free!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"8-focus-will-productivity-music\">8. <a href=\"https:\/\/www.carefulcents.com\/focus\" target=\"_blank\" rel=\"noopener noreferrer\">Focus@will <\/a>(productivity music)<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><a href=\"https:\/\/www.carefulcents.com\/focus\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2015\/03\/focusatwill-mobile-app.png\" alt=\"focusatwill mobile app\" class=\"wp-image-27510\"\/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I <em>love<\/em> listening to music while I work, but it really takes the <em>right<\/em> kind of music to keep you focused on the task at hand. Luckily, I found just the thing to do that.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/focus\" target=\"_blank\" rel=\"noopener noreferrer\">Focus@will<\/a> is a music app that is scientifically proven to help you make the most of your time, be more productive, and reduce distractions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can choose from around 10 different \u201cstations\u201d of music, from acoustic, to upbeat, to sounds from a coffee house so that you can listen to music and stay focused.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/focus\" target=\"_blank\" rel=\"noopener noreferrer\">Try Focus@will free for two weeks<\/a>, and watch your productivity skyrocket!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"9-mint-com-budgeting-app-business-apps\">9.&nbsp;<a href=\"https:\/\/www.carefulcents.com\/mintmanual\" target=\"_blank\" rel=\"noopener noreferrer\">Mint.com<\/a> (budgeting app) Business apps<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><a href=\"https:\/\/www.carefulcents.com\/mintmanual\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2015\/03\/mint-mobile-app.png\" alt=\"mint mobile app\" class=\"wp-image-27513\"\/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">if you love Mint.com, then you know how awesome it is for budgeting and paying bills. But did you know you can save tons of time trying to <a href=\"https:\/\/www.carefulcents.com\/the-mint-manual-by-tim-murphy\/\" target=\"_blank\" rel=\"noopener noreferrer\">figure out how Mint.com works<\/a>&nbsp;by purchasing <em>The Mint Manual?<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Author Larry includes screenshots, secret tips, and even a cheat sheet with this new guide. He also uses his own finances as examples and even displays a few super nerd sections (that you can skip if you\u2019re not a business nerd like I am).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take your Mint.com knowledge to the next level with<a href=\"https:\/\/www.carefulcents.com\/mintmanual\" target=\"_blank\" rel=\"noopener noreferrer\"> <em>The Mint Manual<\/em><\/a>. It\u2019s only $29!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"10-go-daddy-bookkeeping-accounting-app\">10. <a href=\"https:\/\/www.carefulcents.com\/bookkeeping\/\" target=\"_blank\" rel=\"noopener noreferrer\">GoDaddy Bookkeeping<\/a> (accounting app)<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><a href=\"https:\/\/www.carefulcents.com\/bookkeeping\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2014\/03\/godaddy-bookkeeping-top-tax-apps.jpg\" alt=\"godaddy-bookkeeping-top-tax-apps\" class=\"wp-image-25145\"\/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/outright-small-business-software\/\" target=\"_blank\" rel=\"noopener noreferrer\">GoDaddy Bookkeeping<\/a>&nbsp;is another top accounting software tool to estimate quarterly tax payments. It also keeps keep track of business income and expenses. It\u2019s especially effective for managing income\/expenses paid via PayPal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It automatically syncs certain payments with the right invoices. And you can separate different income streams to monitor your progress.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I use GoDaddy Bookkeeping Business apps because it keeps my finances organized and on top of my taxes every year. That way I never get stuck with a large tax bill.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/bookkeeping\/\" target=\"_blank\" rel=\"noopener\">Try GoDaddy Bookkeeping for yourself<\/a> and watch your income streams grow!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"11-pay-pal-premier-or-business-payment-app\">11. <a href=\"https:\/\/www.carefulcents.com\/paypal\" target=\"_blank\" rel=\"noopener noreferrer\">PayPal Premier or Business<\/a> (payment app)<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2015\/12\/PayPal-bank-app.png\" alt=\"PayPal premier\" class=\"wp-image-25524\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Did you know you can actually use a <a href=\"https:\/\/www.carefulcents.com\/paypal\" target=\"_blank\" rel=\"noopener noreferrer\">PayPal Premier or Business account<\/a> as a checking account? It\u2019s true! PayPal accounts come with a debit card that you can use for business expenses and other purchases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus, you could qualify for a PayPal Line of Credit to help with making business investments. This means more funds to grow and expand your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Upgrade your PayPal account to a <a href=\"https:\/\/www.carefulcents.com\/paypal\" target=\"_blank\" rel=\"noopener noreferrer\">Premier or Business account<\/a>!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"12-digit-microsavings-app\">12. <a href=\"https:\/\/www.carefulcents.com\/digit-review\/\" target=\"_blank\" rel=\"noopener noreferrer\">Digit<\/a> (microsavings app)<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2011\/08\/Digit-mobile-app-savings.png\" alt=\"Digit mobile app savings\" class=\"wp-image-25655\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/digit\/\" target=\"_blank\" rel=\"noopener noreferrer\">Digit is a microsavings app<\/a> that helps you save money without thinking. Conversing with the app via text allows you to stash cash for upcoming savings goals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And the best part is that it will only save money you can actually afford. So if your business account is low, it won\u2019t withdraw any funds. I use Digit to set aside money to pay quarterly estimated taxes and it works like a dream!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/digit\/\" target=\"_blank\" rel=\"noopener noreferrer\">Try Digit free for the first 100 days <\/a>and then only pay $2.99 after that!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"13-my-pocket-bookmarking-app-business-apps\">13.<a href=\"https:\/\/getpocket.com\/signup.php?src=homepage\" target=\"_blank\" rel=\"noopener noreferrer\">&nbsp;My Pocket <\/a>(bookmarking app) Business apps<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2015\/03\/asana-mobile-app.png\" alt=\"pocket mobile app\" class=\"wp-image-27504\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\nThis is the tool I use every to save over&nbsp;4 hours a week&nbsp;in wasted time on social media! Pocket is basically a bookmarking tool that works similar to an RSS feed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When I&nbsp;come across an article, a video, or an image that I&nbsp;like but don\u2019t have the time to read, or aren\u2019t in a quiet place to watch, I simply&nbsp;can save it to my Pocket. I\u2019ve also started using it to save articles I want to include in my portfolio list for later.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/productivity-tool-save-hours-a-week\/\" target=\"_blank\" rel=\"noopener noreferrer\">Use Pocket<\/a> to save and organize all of the articles and videos you find across the net!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"14-qoins-debt-payoff-app-business-apps\">14. <a href=\"https:\/\/www.carefulcents.com\/qoins\" target=\"_blank\" rel=\"noopener noreferrer\">Qoins<\/a> (debt payoff app) Business apps<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><a href=\"https:\/\/www.carefulcents.com\/qoins\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2015\/03\/qoins-mobile-app.png\" alt=\"qoins mobile app\" class=\"wp-image-27520\"\/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ever wish you could use your spare change to pay down your debts? Well now you can!&nbsp;<a href=\"https:\/\/www.carefulcents.com\/qoins\" target=\"_blank\" rel=\"noopener noreferrer\">Qoins is an app<\/a> that helps you pay off debt by rounding up the purchases you make every day.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So if you spend $10.91 on office supplies, Qoins will round this up to the next dollar and withdraw $0.09. These small amounts will be saved into your secure Qoins account until it reaches $20.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once-a-month your balance is transferred to the debt account of your choosing, to help pay down the balance. Score!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/qoins\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to try Qoins for free<\/a> and get a <strong>$3 bonus<\/strong>!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"15-acorns-microsavings-investing-app-business-apps\">15. <a href=\"https:\/\/www.carefulcents.com\/acorns\" target=\"_blank\" rel=\"noopener noreferrer\">Acorns<\/a> (microsavings investing app) Business apps<\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.carefulcents.com\/wp-content\/uploads\/2017\/01\/acorns-mobile-app.jpg\" alt=\"acorns mobile app\" class=\"wp-image-26820\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/acorns\" target=\"_blank\" rel=\"noopener noreferrer\">Acorns<\/a> is a microsavings investment app that can help jump start your investing goals. If you\u2019re new to investing, and don\u2019t want to risk a lot of money, you\u2019ll want to try Acorns.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Much like Qoins, Acorns rounds up the dollars you spend on business expenses and then transfers the small amounts into your Acorns account. It will then invest that money into the pre-determined portfolio of your choosing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can then choose to increase your savings, or add a one-time transfer, to boost your investment account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.carefulcents.com\/acorns\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to get started with Acorns<\/a> and get a<strong> $5 bonus<\/strong>!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\" id=\"bonus-16-hundreds-of-online-business-entrepreneur-courses-free-resource\">BONUS: 16. <a href=\"http:\/\/onlinembapage.com\/awesome-free-online-business-courses\/\" target=\"_blank\" rel=\"noopener noreferrer\">Hundreds of Online Business &amp; Entrepreneur Courses<\/a>&nbsp;(free resource)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This awesome resource shares hundreds of links to free business and entrepreneur courses that are available for you to access on the go. There\u2019s something for everyone, from business administration, to startup capital, to team management.<\/p>\n\n\n\n<h4 class=\"wp-block-heading elementor-author-box__name has-medium-font-size\" id=\"by-carrie-smith-nicholson\">By Carrie Smith Nicholson<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Courtesy: <a href=\"https:\/\/www.carefulcents.com\/top-business-apps\/\" target=\"_blank\" rel=\"noopener\">CarefulCents<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Testing out the top business apps to use as a freelancer can take a lot of time. The good news though, is that I\u2019ve done the work for you! After spending several years as a self-employed biz owner myself, and working with a team of 3-4 people, I\u2019ve tested out lots of different tools and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3298,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[28,29],"tags":[],"class_list":["post-3297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-software-business","category-android-ios-application"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":7}},"jetpack_sharing_enabled":true,"amp_enabled":true,"jetpack_featured_media_url":"https:\/\/www.negup.com\/blog\/wp-content\/uploads\/2019\/09\/top-business-app-e1568121352818.png","_links":{"self":[{"href":"https:\/\/www.negup.com\/blog\/wp-json\/wp\/v2\/posts\/3297","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.negup.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.negup.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.negup.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.negup.com\/blog\/wp-json\/wp\/v2\/comments?post=3297"}],"version-history":[{"count":4,"href":"https:\/\/www.negup.com\/blog\/wp-json\/wp\/v2\/posts\/3297\/revisions"}],"predecessor-version":[{"id":10796,"href":"https:\/\/www.negup.com\/blog\/wp-json\/wp\/v2\/posts\/3297\/revisions\/10796"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.negup.com\/blog\/wp-json\/wp\/v2\/media\/3298"}],"wp:attachment":[{"href":"https:\/\/www.negup.com\/blog\/wp-json\/wp\/v2\/media?parent=3297"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.negup.com\/blog\/wp-json\/wp\/v2\/categories?post=3297"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.negup.com\/blog\/wp-json\/wp\/v2\/tags?post=3297"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}