For time tracking, I like Toggl. There's a free version, and it allows you to add different projects, clients, and billable rates. It also generates a ton of pretty reports so you can see where your time is actually going. I like to use the customizable, built-in pomodoro timer as well.
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Todoist is what I use to organize my daily tasks, for my personal life and in business. It lets you set up different priorities so you can see what absolutely needs to be done today and what you can afford to push.
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For banking, I've just started to use Azlo. No minimums, no fees (I think) and built-in invoicing and reporting. You can integrate it with PayPal and Stripe to accept many different kinds of payments.
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I also use Squarespace for my website. It looks good right out of the box.
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For editing, of course Grammarly and Hemingway Editor.
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If I'm in a noisy environment, simplynoise.com is a godsend.
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So that's my braindump of random tools. I'm interested to see what resources and educational materials people think have had the most impact on their writing and business.
My dog insists on being on my lap (he's 55 pounds!). Because of this, I rarely work at my desk. I use one of these (Reclaimed Wood Look Finish Chrome Snack Side End Table https://www.amazon.com/dp/B00JOAUT3K/ref=cm_sw_r_cp_apa_i_FnqvCbR5WWNNH) for working from my couch.
I also would recommend headphones and getting our of the house if you have trouble being self disciplined. I work 6-8hrs per day without turning on the tv or doing chores.
I use a planner to keep track of deadlines, hours worked per job, and pay.
Having a good mouse helps.