Dana Miranda is a Certified Educator in Personal Finance, creator of the Healthy Rich newsletter and author of You Don't Need a Budget: Stop Worrying about Debt, Spend without Shame, and Manage Money ...

Wave Payments is an affordable option for small businesses to send digital invoices and let customers pay online. Many, or all, of the products featured on this page are from our advertising partners ...

Wave's free starter plan appeals to self-employed contractors on a budget, while FreshBooks' invoicing and accounting tool works best for freelancers, small businesses, and some midsize companies.

Wave's free accounting plan helps freelancers and microbusinesses save on bookkeeping while Xero is more scalable and fully featured for small, midsize and some large businesses. Wave Accounting is an ...