How to Create and Send Invoices - step by step process guide
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How to Create and Send Invoices

6 steps 30 min Beginner

Invoicing is one of the most common 'how to' searches because freelancers need to bill clients. Simple invoice tool + bank account + payment processor = professional setup.

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Step-by-Step Instructions

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Step 1: Pick an invoicing tool

Free options handle small business. QuickBooks or FreshBooks for serious volume.

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Wave Apps (free)

Free unlimited invoicing. Payments cost 2.9% + 30¢. Free.

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Invoice Ninja (free for solo)

Open-source, free for one user. ~$10/mo for paid features.

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QuickBooks Self-Employed

Best for tax-prep integration. ~$15/mo.

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Stripe Invoicing (free with payments)

Built into Stripe payments. Free.

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Step 2: Include the legally required fields

Your business name + address, client's name + address, invoice date, invoice number, line items, total, due date, payment terms.

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Invoice number (unique sequential)

Required for accounting. Start at 001 or 1001.

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Payment terms (Net 30 standard)

Net 30 = due 30 days from invoice date. Shorter = sooner cash.

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Line items with description + amount

Specific work done + price.

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Step 3: Add tax if required

Sales tax if your state requires for services. Some states don't tax services; others do. Check your state.

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Check state requirements for sales tax

Search '[state] sales tax services'.

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Most invoicing tools auto-calc tax

Set your state once, applies automatically.

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Step 4: Send via email with PDF attached

Email with PDF attached is the standard. Most tools send + track delivery automatically.

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PDF attached to email

Easier to forward, file, pay against.

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Auto-send via invoicing tool

Shows when opened. Wave, FreshBooks track this.

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Step 5: Accept multiple payment methods

More payment options = faster pay. Card, ACH, check. ACH is cheapest for the freelancer.

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Stripe for cards

2.9% + 30¢ per card. Easy setup.

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ACH transfer (cheapest)

Plaid or Stripe ACH. ~$0.80 per transaction.

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Mail check (free)

Slowest. Some old-school clients still prefer.

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Step 6: Follow up on late invoices

After 30 days, polite reminder. 60 days: firm follow-up. 90 days: harder boundary.

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Day 60: firm with consequences

Late fees if outlined in terms.

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Day 90: collections or stop work

Stop work until paid. Threaten collections.

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Day 31: friendly reminder

'Hi, wanted to follow up on invoice #XXX.'

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