Matt and Andrew were excited to talk to Caleb because they met through Fizzle.co. Fizzle is an online resource and forum for entrepreneurs looking to start an online business. Because of what Caleb helped to build, Listen, Money Matters exists. Caleb manages the finances for several small businesses including Fizzle, his website, CalebWojcik.com and his wife’s photography company JenWojcikPhotography.com. Caleb recommends paying small business taxes quarterly.  It saves you getting a big bill at the end of the year that you weren’t expecting.  Managing finances for your business doesn’t mean you have to do it alone.  A skilled accountant can make the process much easier. Xero is a web-based program that is a sexier version of QuickBooks.  You can track spending and even create invoices through the program.  For his personal finances, Caleb used a spreadsheet for two and a half years, hand entering every transaction. His wife understandably didn’t want to use the spreadsheet so they started using Mint. Eventually, they plan to use You Need A Budget. Caleb still misses his spreadsheet though. If you’re thinking about making the leap from working a 9-5 to working for yourself, having six to twelve months of expenses saved is a good rule of thumb. Managing money for your small business is one of the most important aspects of running it but it doesn’t have to be the most time consuming if you partner with a good accountant and use some of the great technology designed to make it easier. Show Notes Fizzle: An online resource for those looking to start a small business online and offline.  Check out their podcast too. Xero: Xero is a complete online application to run small business finances.Learn more about your ad choices. Visit megaphone.fm/adchoices