3 Resources I Use for Small Business Banking

For 2018, I have a goal to post one blog post a week. This goal is actually pretty hard when 13 billion things are going on in my head. So, really quick, let me tell you 3 resources I use for small business banking.

3 Resources I Use for Small Business Banking

Spark: Captial One Business Account

So, you need a bank. If you’re anything like me, you have a shoestring budget. (I seriously use a shoestring as a yoga mat strap.) You don’t want to pay 2.9 + .30 per transaction, you need every penny you can get! You don’t want to pay a monthly business account fee, and you really want something you can set up right away.

Because I 100% agree with you, I use Captial One’s Business Account, Spark.

It’s free to create an account, they don’t charge you for making transfers, and I was able to set it up with my husband during one of our monthly “budget date nights.” Really sexy… I know.


I can already assume that you already have a Paypal account, but you need to have an account that’s just for your business. Whether you set it up as a business (which may cost more… 🤔) or just another personal account, you need to keep it separate from your personal finances.

I can easily get confused by numbers, so I need to have all-things-money as clear as day. Save yourself a headache, and separate your personal account from your hustle account.


I’m honestly not sure why this app isn’t more popular. If you Google for the “Wave App” you’ll find a great GPS app. That’s not what I’m talking about. Trying Googling Wave Accounting App. You will find free accounting software just for people like us! Yay!

Not only is Wave the best free small business accounting website, but it’s one of the best online resources period for its target small business audience.


With the Wave Accounting app, you can create and send professional invoices, estimates, and receipts in seconds. Track the status of your invoices and payments so you can know when to expect money in your bank account. Perfect right! It even integrates with Etsy. Though I had a little trouble because my Spark account and Wave were entering Etsy transactions, so I had a bunch of duplicates. I ended up just shutting off the Etsy integration option and all is well.

It took me a little while to understand everything, but it’s pretty straightforward.

This is a good alliterative for me because I’m not making enough money from my Etsy shop or my freelancing services to purchase software like Quickbooks or Honeybook. I’m working full time and hustling at night and on the weekends for now. #girlboss

Let’s Make Moolah!

Yup! I have been operating my Etsy shop for 2 and a half months, and on and off freelance work for about year now. These tools have been working great for me. Once I get bigger and full time I imagine I’ll upgrade to Quickbooks, Honeybook or both!

Personal Finance

If you still need to get your personal finances together… please look no further then YNAB. YNAB: You Need A Budget is by far the best tool I use to stay mentally sane. If you aren’t using YNAB, I honestly don’t know how you sleep at night.

I get pretty stressed out about money. So, you can imagine that college was a nightmare for me. I found YNAB as a personal finance app while searching on the Apple App Store, in 2014 and it has been a fun process growing in finance maturely as the app grew more popular and savvier.

If you’re in need of a personal finance app, please use my link for YNAB. If you create an account with my link, I can get an additional free year. It cost… don’t freak out… $83.99 a year. BUT WAIT! Before you finish your thought of,

“Aw, heck no! I’m not paying $83.99 to ‘save money’  that’s the most oxymoron thing I could ever do!” 

I want you to think of all the dumb/impulsive stuff you bought in the past. Those Sephora shopping sprees, that ugly Christmas Sweater, or the yodeling pickle as an impulsive buy. If any of that rings a bell…. then you need to Y.N.A.B. YOU NEED A BUDGET! 

YNAB lets you categories all your money so that every dollar has a job. If you run out of money in a category, that’s it. Don’t spend anymore…. or (more practically) roll with the punches and make easy adjustments. It syncs up with your bank accounts, for easy imports when you forget to enter it yourself. Definitely worth checking out. Y.N.A.B. YOU NEED A BUDGET! 

P.S. They have free classes with a chance to win a free year!

Alright, that’s all I got for this week! I hope that this can be helpful for you. Let me know what tools you use in the comments below.


xo, Crystal. Crystal's signature using a brush font, because she knows better then to use her real signature on the internet. Plus, my signature looks really crappy and this one is so much better. LOL I'm so happy you read this!

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