We think every startup and small business should be aware of key applications that could save them time and money. At inDinero, we use almost every one of these programs, and we couldn't imagine running our company without them.

Here's a short list to help you choose which ones to try out. Keep in mind that these are all online solutions, so there's no software to install or hardware to buy; all you need is an internet connection to access these great services. 

Dropbox
If you've ever rushed to a meeting only to realize that you've forgotten to email yourself that important file on your home computer, you should check out Dropbox - an affordable, sleek solution to accessing, storing, and sharing any file from any computer, anywhere - even from your mobile phone. There are plenty of other cloud file storage applications, but we prefer Dropbox due to its awesome pricing, ease of use, and simplicity. 

Bill
Small businesses have bills, bills, and more bills. With many vendors and customers, managing your bills and invoices can be a huge timesink. We want you to check out Bill.com, since they help business owners streamline and automate vendor bill payment and customer invoice management. If you find yourself spending a lot of time worrying about day-to-day finances - whether it's remembering to pay your PG&E bill on time or collecting payments from your 20+ clients - then you should spend some time learning about how Bill.com could help you. 

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Many businesses feel they spend too much money on their telephone solution, but we want entrepreneurs to know that there is a much cheaper alternative called Grasshopper. With this virtual phone system, you don't even need a business phone at your office. At inDinero, we have a main corporate number with extensions that connect directly to our individual mobile phones. We can easily control the settings to manage call times, forwarding, and even custom greetings and away messages - all for a low cost. 

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Signing and sending documents can be time-consuming and expensive. Even if you have a fax machine in your office, signing documents by hand and sending scanned pages wastes time and prevents you from keeping a paperless office. Ever since we started using Echosign at our office, we have been happily paperless. Any documents that need your signatures can be signed with a single click of a button, as well as any form fields. Electronic versions of the signed documents are instantly emailed to both parties, so you can get back to running your business. 

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If you have trouble tracking time to bill your clients, Harvest could help you simplify your workflow. Many freelancers, small businesses, and organizations have benefited from using Harvest, since this is a perfect solution for individuals and organizations who need to track time and invoice their clients from any web browser or even their mobile phones. This is one of two invoicing solutions on this list, but Harvest specializes with time-tracking. Check out both to find the best choice for you. 

Freshbooks

If you still send your clients paper invoices and wait weeks or months to get paid, you need to consider Freshbooks. They help over 2 million entrepreneurs invoice and bill their clients from the cloud. Accepting online payments and invoicing from the cloud helps you get paid faster and streamline your workflow, and you'll love how simple and easy it is to use the Freshbooks platform. Most of our contractors bill us through Freshbooks - which is fine with us - since it makes it easy to pay them on time. 

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Now that you've got your cloud storage, e-signature, bill payment, invoicing, and telephone solutions, where do you get insights about the financial health of your business? The answer is: inDinero. We help you synthesize your Freshbooks and Harvest invoices (sadly not Bill.com yet), transactions from all of your financial accounts, and even Paypal data into our real-time financial dashboard. Then, we help you visualize and understand your spending, revenue, and cash flow, while providing budgeting tools, financial reports, and even help tracking your receipts

What cloud apps do you depend on? Email them to me at andrea@indinero.com, and you might be featured in our next blog post.