How to Cut Your Paypal Processing Fees in Half or Even Better!

paypal processing fee

I debated using a different title for this post, but I felt that it was appropriate and that it would draw more attention. In this post, you will learn how to cut your Paypal processing fees. There is a very easy way to reduce the fees that Paypal takes for accepting payments.

This post will also be about FreshBooks small business accounting software. I debated titling the post something with FreshBooks, or “accounting software” in it but let’s be honest, how many of you would have clicked to read that?

I’m not going to waste anyone’s time here. I’ll lead with how to cut your Paypal fees and then expand on FreshBooks after that.
paypal processing fees
That’s right. Part of FreshBooks invoicing system allows you to accept an option that lets you accept Paypal payments (of any amount) for a $0.50 flat rate when your client pays using instant transfer! Normal Paypal fees are $0.30 PLUS 2.9% of the transaction.

Take a look at a few sample transactions with the regular fee schedule compared to FreshBooks and their $0.50 option:
paypal transaction feesI didn’t believe this at first either, but I assure you, this is real.

There is more to FreshBooks than just reducing your Paypal transaction fees, although I am hoping that saving money on accepting payments is incentive enough to look into FreshBooks.

Invoices with FreshBooks

FreshBooks makes sending invoices super easy. If you have repeat invoices going to the same clients, you simply select the client from a dropdown and all of their vital info is automatically entered for you.

When adding items to invoices, you can also save items with prices and select those from a dropdown menu. So if you sell several ad spots on your site for the same amount, you could have an item called “sidebar ad” and when you click it, the item name and price are filled right in!

You can also preview invoices before you send them and download them as PDFs if you have clients who request them that way.

You can also mail physical invoices via snail mail right from FreshBooks! You do have to add stamp credits for this. (You are given 2 for free.)

When a client gets a digital invoice, they simply click the link in the email and can view, print and pay the invoice right there!

Here’s what an invoice received looks like:
sample invoice
Notice the nice, big “Pay” buttons in addition to the perfectly formatted and itemized invoice? Who would’t want to pay that right away? Also notice my company’s logo, which is auto-added to each invoice.

Some other things you can do with invoicing and FreshBooks:

  • easily send payment reminders
  • set up recurring bills
  • easily add tax to invoices
  • manually enter offline payments


Tracking Expenses

You can also easily and securely add your business’ bank accounts and credit cards to keep track of your business expenses.

You can also manually add or delete expenses as you wish.

You can view your expenses versus income on a nice chart at your account’s homepage to get a nice snapshot of your activity.

Sending Estimates for Work

If you’re a graphic designer or anyone who sends work estimates, FreshBooks is perfect for that too! Easily send clean, professional-looking estimates with their system that acts similarly to their invoicing system.

Your potential clients will get an itemized estimate with as much detail as you care to add.

Time Tracking

If you do hourly work for clients, you can take advantage of the FreshBooks time tracking features, which allow you to add hours worked in a timesheet style.

You can also add notes to any block of hours worked.

FreshBooks takes your hourly rate and creates an invoice based on the hours that you log. So easy!


So with all of these things, what is stopping you from grabbing a FREE 30 day trial of FreshBooks today! You can also have a free account for life with limited features!

Me? All I needed to hear was the Paypal deal and they had a customer in me!

How to Make Your Website Load Faster

how to make your website load faster
While you may not always be thinking about it, your website’s load speed is quite important. Think about it – how long do you let a site try and load before getting annoyed? Maybe 5 seconds? If you’re a really patient person, 10 seconds?

The truth is, it’s around 5 seconds for most people. How long does it take your site to fully load? Are you losing visitors because it’s too slow?

Since user experience is now a focus of Google, a site’s load time is more important than ever. You want people to stay on your site. There are many SEO people who believe site load speed directly effects SEO.

For this post, I am going to be taking my How to Start a Blog post, and making changes to improve the speed.

I’ll walk you through step-by-step what I am doing, so you can follow right along! I’ll also add some other ways (that I did not use) to speed up your site’s load time.

The tools I am using to test the site for speed are pingdom and gtmetrix. They are both free.

Here are our results before this post:
how to speed up your site

pingdom test

As you can see, this post is actually loading pretty quickly already, but there are some things we can do to speed it up even more.

Now, both free speed test sites shown above provide a ton of insight about specific elements of your site and how they are affecting load speed. Feel free to delve into those reasons, but I will cover many of the common things that slow down sites in this post.

GTmetrix gives you grades on specific categories, while Pingdom shows you how long each element took to load, how large each element is and how long it waited to connect to each element.

A quick look at GTmetrix shoes that they give image optimization a D grade.
Obviously, there are other issues there as well, but we’ll focus on images first.

So I see the D grade from GTmetrix and head over to Pingdom. Sure enough, I see a couple of images over 145kb in size.
Now, if you’ve got nice, high quality photos, you’re going to need to have images that are larger than this. However, you can see the images on my post are just screenshots. They don’t need to be top quality.

One thing to note here: if you’re going to re-size images in existing posts, keep in mind the metadata of those images such as file name and alt tags. If you upload new images, keep that stuff the same to avoid negative SEO impact.

Ok, time to work though the post image by image.

First up, I’ll go over some image re-sizing tools.
PicMonkey – easily resize images in jpeg format in 3 size/quality options. Also crop out unnecessary parts of images with this tool. – upload pics right on the site, resize, crop, add effects or simple save as a lower quality.
Irfanview – free software that allows you to save images at lower size/quality options. Be sure to download the software and the plugins, so you have the “save for web” function.
Photoshop – the premier photo editor, but very costly and complex. (tutorial here)

The first image in the post was 80kb. A quick downgrade in quality via and we’re at 66kb. Not fully satisfied, I took this image into Irfanview and was able to reduce the quality (you can’t tell in the published version) to 50% and it brought the image size down to a tiny 25.43kb. That’s over 2/3 smaller of a file. You can imagine how doing this for the rest of the images will improve load time.

The next image was 84kb and I reduced it in Irfanview to 28kb by just downgrading the quality from 100% to 90%. (I am using the “save for web” option shown here:
I started to see quality changes after that, so I kept it at 90%. The point is to reduce file sizes without reducing noticeable quality. You have to be aware of the line and always choose quality of image over size reduction.

Some images may already be optimized and you’ll find that the tools don’t reduce the sizes. These cases will be rare, but they do happen.

By just reducing all of the image sizes on that post, I reduced the load time by about half of a second according to the testing tools. GTmetrix also upgraded my image optimization grade from a D to a C.

If you want to get serious about image optimization, take a look at your sidebar images, header images and any other images that you have which load on every page. Reducing those can make some serious improvements to load time.
Another thing you can do to reduce your site’s load time is to minify your css file. To many of you, that sounded like another language. The truth about this one is that if you don’t know what you’re doing, you might mess up your site’s design, so consider hiring this one out.

I use and throw the minified css onto a test site. You can also hire someone to do this for you.

Basically, what it does is it makes it easier for web browsers to read your css file quickly. The faster it can read your css file (which tells it how to make your website display), the faster the site can load.
Host ads on your own server. Upon checking the speed of my site again on pingdom, I also noticed this disturbing thing: the Hostgator 125×125 pixel GIF in my sidebar took 15 seconds to load! Fifteen seconds! This is because it just happened to take a while to connect to their servers. It definitely doesn’t happen often, but these things happen and the more ads you have hosted on other sites, the greater your chance of this happening.

Download the images for the ads, upload them to your own site and add them back to your sidebar that way.
This one may be the most obvious: get a caching plugin. A caching plugin will generate HTML files that are called upon to load when a visitor comes to your site as opposed to each visitor calling upon the server (webhost) to load a website.

Basically, caching reduced site load speed and reduces the load on your host.

The two most popular WordPress caching plugins are W3 Total Cache and WP Super Cache. I use them both and find the very user friendly.

Note: caching can get tricky. While most people will be able to install these plugins without issue, things happen. Issues with caching plugins can be difficult to figure out, so I recommend leaving it to a pro if you can afford it. It shouldn’t take a pro more than 30 minutes in install and set up either of these plugins.
Similar to a caching plugin, you can also opt for a CDN (content delivery network) service to help your load speeds. MaxCDN and CloudFlare are the 2 most popular.

You can also use CloudFlare’s security services to prevent bots and spammers from accessing your site, this reducing the load and increasing your speed.
A few other general ideas:

  • Reduce the number of plugins you have.
  • Reduce the number of scripts that are running on your site
  • Remove unnecessary images or change them to text
  • Reduce the number of full posts that show on your homepage

To expand on that last point. The less full posts that you have showing on your homepage, the better. If you’ve got 5-7 pictures per post and 10 posts showing up on your homepage, visitors are loading up to 70 images each time they visit your homepage!

Consider showing one or two posts and then 3-4 additional snippets of posts instead.

Bonus: this will also increase your pageviews, since people will have to click the posts snippets to read the full post!
Final tests:
speed test

As you can see, a little bit of attention as to what is holding your site up can make a big difference in load speed time.

Also, as I mentioned in the post, there are a ton of other little ways to reduce your site’s load time. I encourage you to explore deeper into the testing tools if you’re interested in further reducing your site’s load speed. I just thought 1400 words was enough for today’s post. :)

Don’t have much time or money? Head to fiverr and search “speed up my site” to find several gigs for this exact thing. Just be sure and choose someone with a healthy amount of 5-star reviews.

How fast does your site load according to pingdom?

How to Make a Blog Header

how to make a header for your blog

I wrote about how to make a blog header a while back and thought I'd polish the post a bit and make it more 2014 friendly. No matter where you are in your blogging life, your blog's header is of the utmost importance. If you've already got a header, I challenge you to take a look at it with an editorial eye Is it optimized for mobile? Does it accomplish what you want it to for new site visitors? My favorite part from my previous post about headers was the basic tips that I led off with. Tips on … Read More...

Get Paid to Blog – 85 Ways to Make Money Blogging

get paid to blog

About a year and a half ago, I created a post telling people ways that they could get paid to blog. Well, it's approaching the the last third of 2014 now and things have changed. I have created a new list of 85 ways to make money with your blog. The following list is current to the best of my knowledge. I have either personally worked with, or seen bloggers working with all of these companies within the past 6-months. (FYI this post was published August 2014.) I've created a 2 page checklist with all of the … Read More...

BlogHer Observations and a Trip to the Mecca


We traveled to San Jose for BlogHer14 this past weekend. It was actually our first conference, so we felt like we were going all out by going to BH. It was drive-able for us, which was important because we have a 3.5 month old baby. I'll be blogging more about the trip from the parental end shortly on Baby Reyes. The conference was interesting. We went with the idea that we would make many more connections for my wife's blog Katie Did What and we definitely did just that. Here are some things that I … Read More...