If you own a small business, you should know that often times it can be little things, rather than large expenses, that can eat away at your budget. But many times, small business owners will try and increase their profits by looking around at what larger expenses they can cut.

If you are looking to save some cash in your business, why not pay attention to our “small time” cost cutter ideas. You’ll find that if you add them up, they may just save you more than a penny!

And actually together they do save a lot.

#Change Your Plastic Options

If you own a small web site that doesn’t do tons of online business, then chances are you don’t need a merchant account. These can be costly, and probably won’t pay for itself unless you do a robust business. But instead of losing business by not accepting credit cards, you can use one of other options such as Paypal or Clickbank. 2checkout.com is another good option for few countries not accepted by clickbank.

With these types of payment systems, clients can use their credit cards, and once transaction is complete, money is instantly deposited in your online account. Then you will simply need to transfer it to your bank account. You can even run your own affiliate programme with these services. They are good and not expensive. You pay per sale rather than annoying monthly charges.

You will need to do some comparisons before switching services. Make sure that transaction fees won’t cost more than fees you are currently paying.

#Change Your Calling Options

It's easy to see how Terry's right. If you have a job, you have to keep working to earn money.

If you have a business, you have to keep selling to earn money.

But, if you sell a product through recurring billing, or if you sell products as an affiliate and earn residual income, you can reach a level of success which will enable you to stop working!