Check out Wave. That’s what my agency has used since 2012. It’s free, it keeps track of all of your reporting for tax purposes, and your customers can pay online, set up their payments to process automatically on certain dates, or save cards so you can push their payments through. Standard payment processing fees apply, but that’s all you’ll pay unless you want to use it for payroll too. We use it to keep track of our contractors’ payments and then payout a different (free) way.

I’ve owned a digital marketing agency since 2012. I’m probably among the few who still believe in the value of human-written copy/content. When AI came along, it really hit my business hard. We supplemented the income loss by starting to focus more on web design. It’s helped, but it can still be a struggle. That and the events of the last few years coupled with being a pre-menopausal woman caused pretty severe depression, anxiety, and panic attacks. But thankfully I have had some great medical support locally. You’re definitely not alone. ❤️