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Why are there More Expense Tracking Apps for Xero than MYOB?

accounting-apps-that-link-with-xero-and-quickbooks

Less complicated accounting software, like Xero, connects better with mobile apps

accounting-apps-that-link-with-xero-and-quickbooks
The robust nature of MYOB can make it harder to link with mobile apps that track your expenses and cash flow and the like.

WE RECENTLY PUBLISHED A blog examining the different expense tracking apps you can connect with Xero, MYOB and QuickBooks, but during our research it became clear that most expense apps integrate with Xero or QuickBooks, but not MYOB.

That’s not to say there are no expense apps that integrate with MYOB. There are. Receipt Bank is one, Squirrel Street is another, and there are probably a lot more on the MYOB marketplace (or add-ons page). Probably the best expense tracking application we found is ExpenseManager, and it only integrates with MYOB.

Continue reading Why are there More Expense Tracking Apps for Xero than MYOB?
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Top 5 Things Small Businesses Must Do Before June 30 to Get Their EOFY Accounting in Order

As the end of the financial year (EOFY) approaches in Australia, small business owners need to start preparing their financial records and making important decisions.

June 30 is more than just a date — it’s a deadline that can impact your tax bill, cash flow, compliance, and even future funding opportunities.

Whether you’re a sole trader, company director, or small business operator, proper planning can save you stress, time, and money.

Here are the top 5 accounting tasks every small business must do before June 30.

1. Reconcile Your Accounts and Finalise Bookkeeping

Bank Statement for Bank Reconciliation Courses in MYOB, Quickbooks and Xero

Start by making sure all your accounts are reconciled — including bank accounts, credit cards, loan accounts, and payment gateways like Stripe, PayPal or Square. This ensures your financial data matches what’s in your actual bank account and eliminates discrepancies that could lead to errors in your tax return.

You’ll also want to:

  • Ensure all sales and expense invoices have been entered and correctly coded.
  • Chase any unpaid invoices and write off bad debts if necessary.
  • Categorise and attach receipts to transactions using your accounting software (e.g., Xero, MYOB or QuickBooks).
  • Review asset purchases or disposals during the year and update your depreciation schedule accordingly.

Doing this now will make it easier for your accountant to prepare your year-end financials — and help you get your tax return lodged faster.

See our QuickBooks Online, MYOB and Xero Bank Reconciliation Courses

2. Review Your Payroll and Superannuation

If you have employees or even just pay yourself through payroll, your EOFY payroll reporting must be correct and compliant with the Australian Taxation Office (ATO).

Here’s what you need to check:

  • STP Finalisation: Single Touch Payroll (STP) finalisation declarations must be completed by July 14. Make sure all payslips are accurate, year-to-date figures are reconciled, and no duplicates exist.
  • Super Guarantee (SG): Super contributions for the April–June quarter are due by July 28, but if you want to claim a tax deduction this financial year, ensure they are paid and received by the super fund before June 30.
  • Double-check that you’ve met the current SG rate (11% as of FY 2023–24) and that any salary sacrifice arrangements are correctly reported.

Many businesses use this time to switch payroll systems or review wages ahead of the next financial year — so now is a good time to review employee entitlements, awards, and changes to the minimum wage.

See our QuickBooks Online, MYOB and Xero Payroll Courses

3. Take Advantage of Tax Deductions and Instant Asset Write-Offs

EOFY is your last chance to strategically reduce your tax bill by claiming all eligible deductions. This includes everyday operating costs like:

Android & iPhone picture tax invoices and receipts to MYOB Essentials using MYOB Intray and Capture App - EzyLearn Online Training Courses
  • Business vehicle expenses
  • Office rent
  • Internet and phone bills
  • Accounting software subscriptions
  • Staff training
  • Marketing and advertising

Additionally, the Instant Asset Write-Off scheme may still apply, allowing you to immediately deduct the cost of eligible business assets purchased before June 30 (subject to thresholds and eligibility). This can include things like laptops, tools, or equipment used to run your business.

Speak with your accountant about whether it’s worth bringing forward expenses (such as pre-paying rent, insurance, or subscriptions) to claim the deduction this year.

4. Do a Stocktake and Review Your Inventory

If your business holds inventory — whether it’s retail stock, food and beverage, raw materials, or finished goods — a stocktake is required at the end of the financial year.

You’ll need to:

  • Physically count your stock on hand as of June 30.
  • Write down obsolete or unsellable inventory.
  • Adjust your accounting software or inventory system to reflect actual quantities and values.

Why it matters:

  • Accurate inventory levels help determine your cost of goods sold (COGS).
  • It affects your gross profit and taxable income.
  • It ensures your balance sheet is accurate and useful for making financial decisions.

Pro tip: Use this opportunity to streamline your inventory system and get rid of slow-moving or obsolete stock through clearance sales or donations.

5. Meet With Your Accountant and Plan Ahead

Finally, book a meeting with your accountant or bookkeeper before June 30 — not after. This allows you to implement any last-minute tax strategies, rather than simply reporting what’s already been done.

During this meeting, consider discussing:

  • How your business performed this year
  • Your likely tax position and any payments due
  • Whether to defer income or bring forward expenses
  • Capital gains tax (CGT) events or asset sales
  • Superannuation contributions, especially if you’re self-employed
  • Budgeting and forecasting for the new financial year

Your accountant can also help you identify whether your business structure is still right for your goals, or if it’s time to move from sole trader to company or trust structure.


Bonus Tip: Stay Organised for Next Year

If you found EOFY stressful this year, use this opportunity to invest in tools or services to make next year easier:

  • Set up regular reconciliations in your accounting software.
  • Automate invoice reminders to improve cash flow.
  • Consider outsourcing your bookkeeping if it’s holding you back.
  • Keep digital receipts organised with tools like Dext or Hubdoc.

Final Thoughts

The end of the financial year doesn’t need to be a panic-ridden time if you’re organised and proactive. By reconciling your accounts, reviewing payroll, maximising deductions, completing stocktakes, and meeting with your accountant, you’ll be in a strong position to meet your tax obligations and grow your business with confidence.

Whether you do your books yourself or work with a professional, staying on top of EOFY responsibilities is a sign of a smart, sustainable business.

Now’s the time — don’t leave it until June 29!

Bookkeeping Course Options

Business owners and Managers

EzyLearn’s COMPLETE Bookkeeping Courses include every skill level for most accounting tasks from set up and configuration to financial reporting, BAS and Payroll.

See the Complete Bookkeeping Courses for QuickBooks Online, MYOB and Xero

Jobseekers, bookkeepers and part-time employees

If you are looking for work, are a contract bookkeeper who wants more clients or a part-time accounts employee you will find that businesses use different accounting programs. EzyLearn has catered for this with our Bookkeeping Academy course packages.

See Bookkeeping Academy Course Packages

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BAS Course and Financial Reporting training by rescuing Jerry’s messy startup

Jerry profile startup course and social media marketing for small business entrepreneur

Some of the most challenging bookkeeping work is catchup or rescue bookkeeping. When there are 3 months worth of transactions of all different types and you need to

  • enter the data,
  • reconcile the bank accounts and
  • make sure that the tax, GST and payroll data is accurate –

Welcome to Jerry’s Messy Startup Case Study.

This course is designed for students or workers who already have an understanding about data entry for daily financial transactions, credit management and bank reconciliation.

You’ll work with 3 months of data and end up producing financial reports to help Jerry be compliant with the ATO for GST as well as his payroll PAYG obligations.

You’ll also give Jerry some useful insights into his messy business using financial reporting.

This BAS Course case study is available to help you learn BAS and Financial Reporting using QuickBooks, MYOB and Xero.

Information about these BAS Courses

  • BAS course in QuickBooks Online, MYOB and Xero takes approx 5 hours to complete
  • You are legally permitted to provide BAS services provided you are under instruction from the Business Owner, the business accountant or a registered BAS Agent.
  • BAS Services include Payroll and Superannuation calculations
  • Completing your BAS gets tricky with partial GST expenses
  • Data entry for historical transactions is what takes the most time when completing the BAS
  • Catchup or Rescue Bookkeeping is hard when the business owner can’t find copies of receipts
  • Business owners get stressed at BAS lodgement time because there are penalties for being late

More articles about BAS Courses

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Amazing NEW Update from MYOB

New MYOB training course navigation features in 2024

Things are moving fast in the software industry as Intuit (QuickBooks), MYOB and Xero compete with each other with regular software updates. It has become so fierce that many students are enrolling into our Bookkeeping Academy Combination courses.

The key frontiers are still

  • automated data entry from bank feeds,
  • capturing receipts and extracting data,
  • faster reconciliation and
  • automatic calculations of taxes owed.

These are some of the features promoted by NAB Bookkeeper for NAB Business banking customers but what is MYOB’s huge announcement?

Continue reading Amazing NEW Update from MYOB
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Thriday slyps past Xero directly to NAB Bookkeeper trial

NAB Bookkeeper uses Thriday to Fight Xero for tax obligations and reconciling

The one thing I’ve found fascinating in accounting and bookkeeping is watching technology companies try to win clients. I’m not just talking about the special offers, features and pricing but how they use technology to make bookkeeping seamless – to replace some of the bookkeeping tasks!

The most recent event I’ve witnessed is NAB bookkeeper service that has a six month free trial and is $20 per month thereafter. 

NAB, CBA, ANZ and WBC Slyp under Xero to provide smart receipts before Hubdoc gets them - Learn MYOB, Xero, QuickBooks to find accounts jobs - EzyLearn

When you read the fine print it is revealed that Thriday is the technology behind NAB bookkeeper.

Continue reading Thriday slyps past Xero directly to NAB Bookkeeper trial

5 Remote Contractor

Remote Contractors and Virtual Assistants run their own online business doing office admin and business admin services LOGO

Earn an Income Working From Home

EzyLearn is an established and leading brand in the short course and vocational training sectors in Australia. We focus on teaching students how to use software to

  • find jobs,
  • be more productive in their current jobs,
  • start a business and
  • use technology to manage their business better

Partner with EzyLearn to start your own online business as a bookkeeping tutor and teach clients how to use MYOB & Xero as well as Microsoft Office.

As an Online Only training company we specialise in online training courses and support so when you come on board as a tutor you get access to all training and support resources from a support team that use the latest digital technology and tools.

Digital Marketing is a function of our organisation that is integrated into our customer service and support services so when you join you get plugged into the marketing story and get introduced to potentially thousands of new clients.

Your Brand, reputation & digital profile

Bella speaking about the Career Academy Course Refresher access for Xero Bookkeeping Course students - EzyLearnLeverage our brand, group marketing and educational content and support with your own personal knowledge and experiences and you have a solid, inexpensive foundation to earn an income working remotely, from home.

As part of your joining fee we’ll create a digital profile and send interested traffic to this site to help you get discovered by potential clients.

Exclusive Leads in your area

Remote Contractors and Virtual Assistants run their own online business doing office admin and business admin services ICONAs a Remote Contractor you’ll receive leads for bookkeeping and office administration services from your area.

These leads can result in ongoing work with your very own clients and as a licencee you benefit by only paying an annual licence fee instead of a percentage of every dollar you earn with some franchise systems.

Customer Service and Sales Training

Advanced-Certificate-in-Business-Administration-Training-Course-Finding-and-Getting-Your-Ideal-ClientsYou’ll receive training about how to create compelling ads for marketing campaigns that will attract clients.

When clients call you will be equipped with questions and suggestions to identify good clients and guide them towards becoming your client.

You’ll also learn how to help customers who are not ideal and be able to refer them to other team members in your referral network.

Earn $35-$80 per hour

As an EzyLearn Tutor partner you can add extra income to your bookkeeping or virtual assistant business and earn $50 ph teaching clients how to use software for business purposes.

Ongoing Support

Xero, MYOB & Quickbooks Online are accounting programs in the cloud and because they are now based on a subscription model they are constantly updated and the updates are pushed out live.

Not only do you receive ongoing online course access as an affiliate but you also receive ongoing knowledge support of the training materials and new content we create.

As a member you receive ongoing support from our team on all the course contents you’ve already enrolled into as long as you are a member.

Learn more about how Ezylearn courses work and how your learning is supported

Ask questions on topics that are NOT included in the courses

EzyLearn ANSWERS is a program that guides our training content development based on the needs of our students and tutors. Student members use Ezylearn training courses for lots of different reasons, including:

  • employees to upskill and fill out gaps in their knowledge for their current jobs,
  • job seekers to increase their confidence to apply for and get jobs,
  • corporate managers to ensure their staff are using productive features of the software
  • business owners who want their staff to have a solid understanding of how to use their business software

Our courses are designed based on real world scenarios and the questions we receive via EzyLearn ANSWERS helps us constantly improve.

Learn more about EzyLearn ANSWERS

Earn a Passive Online Income

The EzyLearn affiliate program is a way to earn a secondary source of income by mentioning EzyLearn courses in your social media feed and through your own low cost online mentions.

Used by some of the largest digital organisations in the world affiliate marketing enables you to cheaply start an online business leveraging the existing brand and marketing of an established business.

Learn more about EzyLearn’s Affiliate Program.

Skills Training and Practical Projects

  • Accounting & Bookkeeping Fundamentals
  • Managing Accounts Payable, Accounts Receivable
  • General Journal & Adjusting Entries
  • General Ledger & Trial Balance
  • Depreciation
  • Reports & Financial Statements
  • Accounting with MYOB Essentials
  • Accounting with MYOB AccountRight (Windows)
  • Beginner to Advanced Xero Accounting
  • Understanding GST
  • Fundamentals of Payroll
  • Advanced Payroll Administration
  • Microsoft Word Beginners
  • Microsoft Excel Beginners
  • Budgeting, Forecasting and Cashflow Management

 

Office Administration Courses

Data Entry & Microsoft Office (included)

Master the fundamentals of office administration tasks using Microsoft Office Word (word processing) and Excel (spreadsheets).

Topics include:

  • Understanding and navigating around the software programs & default Settings
  • Microsoft Word font & paragraph typing,
  • Microsoft Word editing data and formatting,
  • Microsoft Excel open sample data files, navigate and understand data entry
  • Microsoft Excel creating brand new files using data entry and editing spreadsheets
  • Microsoft Excel formulas, functions and formatting

Data Entry course

Data Entry & Microsoft Office Beginners Training Course

  • Microsoft Word Beginners: The screen, non-printing text, editing characters
  • Microsoft Word Beginners: Saving, Selecting and formatting
  • Microsoft Word Beginners: Page, character and paragraph formatting
  • Microsoft Word Beginners: Borders, shading and bullets
  • Microsoft Excel Beginners: Selecting, editing and resizing cells & columns
  • Microsoft Excel Beginners: Database structures
  • Microsoft Excel Beginners: Formulas and functions introduction
  • Microsoft Excel Beginners: Formatting and autoformats

Data Entry & Microsoft Office Beginners Training Course

Office Support & Administration using Microsoft Office

  • Microsoft Word Intermediate: Tabs and Tables that Structure Data
  • Microsoft Word Intermediate: Headers/Footers, templates and page breaks
  • Microsoft Word Intermediate: Customising screen, toolbars/ribbons
  • Microsoft Word Intermediate: Symbols, clipart and images
  • Microsoft Word Intermediate: Drawing and Graphics
  • Microsoft Excel Intermediate: Complex views & printing
  • Microsoft Excel Intermediate: Charts & Graphs
  • Microsoft Excel Intermediate: Functions and Cell Referencing
  • Microsoft PowerPoint: Create and Edit Presentations
  • Microsoft PowerPoint: Design templates and complex formatting
  • Microsoft Outlook: Email and Meetings
  • Microsoft Outlook: Invitations and time management
  • Microsoft Outlook: Customer Relationship Management and tasks

Office Support & Administration using Microsoft Office training course package

Advanced Office Certificate Training Course

  • Advanced Certificate Microsoft Word: Working with Databases
  • Advanced Certificate Microsoft Word: Using Microsoft Word for Complex documents
  • Advanced Certificate Microsoft Word: Using Microsoft Word for Corporate Style & Navigation in documents
  • Advanced Certificate Microsoft Excel: Databases, filter/sort and Named Ranges
  • Advanced Certificate Microsoft Excel: Advanced Formulas, Protecting Cells & Pivot tables and Charts
  • Advanced Certificate Microsoft Excel: Goals, Forecasting, Data Consolidation

See more detail about what is included in the Advanced Office Admin Certificate Courses

Industry Connect for Virtual Assistant Training

The case study in this training package is for a real estate agents office. You’ll use your Office Administration skills to create an advanced Excel spreadsheet with financial forecasts, depreciation etc and then combine marketing collateral and images to present that information in a Proposal using Microsoft Word and a Presentation that you’ll deliver to our course assessors using Zoom.

    • Elevation-Drawing-Dual-Key-Property-Investment-Newcastle-Hunter-Central-Coast-3-bed-x-2-bath-EzyEstatePublish a Presentation
    • Use Outlook to manage weekly goals
    • Use Outlook to assign tasks
    • Collaborate on a document
    • Use cloud based storage like Dropbox and One Drive to maintain backups, annotations and version control
    • Use Zoom to make a presentation to colleagues
    • Use Excel to decide on the best financial investment

 

Business Administration and Bookkeeping Courses

You’ll receive access to training in either MYOB AccountRight, Business Pro (Online version), Xero or QuickBooks Online to cover all the topics needed in a micro business as well as most small to medium businesses.

Beginners Bookkeeping Certificate Training Courses

Learn about bookkeeping

  • data entry,
  • quoting,
  • invoicing,
  • purchases,
  • receipts,
  • payments,
  • bank feeds,
  • bank reconciliation and
  • journal entries.

 

Advanced Bookkeeping Certificate Training Courses

Learn about advanced bookkeeping and accounting tasks, including:

  • GST and BAS
  • Reporting,
  • Payroll Administration.

 

Website and Digital Marketing Course

Creating a website is simple and cheap and a great way to get discovered online. Learn how to use Crazy Domains and WordPress to create and update website pages, posts and menus.

You can then use your website to attract potential customers to use your services. If you do a good job your website will become valuable and attract “organic” traffic from Google, which is free.

These skills will help you with your own contracting work but also give you skills that are very valuable to most small business employers.

Websites & Digital Marketing Training

 

Advertising and Lead Generation

One of the most challenging tasks facing both established and new business owners is advertising to attract potential buyers and getting these prospects to make contact with you.

Learn how to focus your advertising on the needs of your best potential clients and then how to manage those leads you receive. You’ll learn how to do this for your own business as a remote working virtual assistant as well as your clients (if needed).

Advertising and Lead Generation for Virtual Assistants

 

Online Customer Service Certificate Training Course

This training course package will give you skills and exercises to confidently start a business and have strategies to start marketing your business and making money. Includes

  • Real Business case studies
  • 6 months mentor support
  • Tools to work from home remotely
  • Real life practice
  • Internship opportunities

Online Customer Service Training Course

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Is it hard to learn Xero & MYOB?

If you are looking for and applying for junior bookkeeping jobs you can learn how to use Xero and MYOB in just a few hours with a short Bookkeeping course.

Learning how to use Xero and MYOB is not hard when you work through a well designed, step-by-step series of exercises where you do the bookkeeping work.

Many students who work in industries like childcare, aged care and home services are attracted to bookkeeping work because it can fit into their daily routine (if they have children) and because it can be performed remotely from home.

Continue reading Is it hard to learn Xero & MYOB?
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Compare Bookkeeping Course Providers – Mentor Education Credit Transfer Issues

Mentor-Education-Credit-Transfer-Form-to-a-new-RTO-that-you-might-need-to-pay-extra-for

A Cert IV in Bookkeeping and Accounting is the same as any other Cert IV in Bookkeeping and Accounting, right? Wrong.

One of the biggest issues that ex Mentor Education students face in trying to transfer their credits to another training organisation AND continuing their studies is that EVERY RTO can choose some of their own subjects.

So a Cert IV in Bookkeeping can be different from one RTO and TAFE to another even though they’re the same qualification – does that makes sense. Let me demonstrate.

Continue reading Compare Bookkeeping Course Providers – Mentor Education Credit Transfer Issues
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Xero vs HNRY + Thriday + Rounded + Parpera

Unlike HNRY Xero doesn't offer bank accounts that deducted Tax and GST payments for you - Online Xero Training Courses & Support

Would you sign up to a Xero controlled back account? Would you let Xero become your accountant or tax agent to the Australian Taxation Office (ATO)?

Does that sound strange? Imagine if Xero managed your bank account for you and made sure that all your taxes were paid for automatically BEFORE allowing you to receive your pay.

Doesn’t that “sort of” happen already with Single Touch Payroll?

If Xero had their own accountants would you go with a Xero accountant for your own business?

Continue reading Xero vs HNRY + Thriday + Rounded + Parpera
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FREE Training Courses for Career Builders

EzyLearn FREE Student Inclusions with Bookkeeping courses

Are you enrolling into an MYOB or Xero Bookkeeping Course or Microsoft Office Course and are currently employed? You’ll get access to some FREE Student Inclusions when you enrol into a Complete Course or Combination.

EzyLearn’s FREE Student Inclusions give students more value in their careers and the work they do and there is a different offer for you depending on your situation.

Continue reading FREE Training Courses for Career Builders
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How can Elon make money with Twitter?

Business Today Article about Elon Musk firing Twitter staff - will Twitter become a payment service like PayPal for Xero Integration - EzyLearn

I’ve been on Twitter since March 2009 but I don’t use it as much as I could have, how about you? Lately we’ve been Tweeting about recent enrolments and graduates who have received their certificates because it is a great digital marketing tool to get short messages published. If you go to our website you’ll notice that these Tweets appear in a rotating banner at the top of the page.

Twitter is going through a massive transformation under Elon Musk and whether you like it or not you’ll find that Elon will achieve his goals for the software company. The reason is simple – he is constantly “iterating” and testing and measuring to see what works and what doesn’t work.

What I think will become the most fascinating aspect of Twitter is when it starts becoming a peer to peer payment platform.

Continue reading How can Elon make money with Twitter?
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Xero Boast Top Innovator in “AFR BOSS Most Innovative list”, Just Behind Telstra!

Xero wrote about their AI achievements using machine learning to predict the name and account code for your transactions when performing a bank reconciliation. Bank feeds have been a constant and regular theme in Xero’s marketing and this reinforces how they are using technology to reduce the time it takes to reconcile.

It makes sense that a bank like NAB or CBA buys MYOB because if you could automatically make sure that your finances in your MYOB or Xero software reflected exactly what your bank statements say you’d eliminate half the work that junior bookkeepers do.

Continue reading Xero Boast Top Innovator in “AFR BOSS Most Innovative list”, Just Behind Telstra!
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What % of expenses can you claim to reduce your taxable income?

Working from home and claiming expenses using Xero & MYOB software training courses

We’ve received lots of training course inquiries from new business in this last couple of months and a question that came up recently was “do you have a course that explains how much I can claim”. The person was asking about how much of the cost of their car can they claim as an expense because they use it for their business.

The answer to this question reminded me of how “flexible” the taxation laws are in Australia. You can “claim” any amount that you want and unless you are audited by the ATO you could possibly get away with it!!

The correct way is to determine how much of your costs are actually associated with your business and use that percentage. The ATO goes on to explain how to do this in detail.

Continue reading What % of expenses can you claim to reduce your taxable income?
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The Best Xero Course in Australia

Xero COMPLETE Training Courses Online Suite - EzyLearn

The ‘Best Xero Course in Australia’?!  That’s a pretty big claim.  You might be wondering how EzyLearn can attach this line to our Xero courses, and what actually makes our courses the best?

Well, it’s not just because EzyLearn has over 25 years’ experience in developing training content and helping students achieve their goals.  And it isn’t just the feedback we’ve been getting from our course graduates about how their course helped them find work, upskill, and gain confidence.

EzyLearn’s market research helps us to see what people are looking for in a course, what other business offer, and what pricing is best.  But what is market research, and how does it lead to our Xero courses being the best in Australia?  Here’s what you need to know:

Continue reading The Best Xero Course in Australia
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Here’s What Businesses Need to Know About eInvoicing in Xero

Learn about einvoicing using Xero

Invoices can be a hassle for both businesses and their clients.  There’s nothing fun about chasing up that client about their late payment, nor is it an efficient use of time to trawl through emails and  inboxes trying to find that invoice from however long ago.

The Commonwealth Government is pushing ahead with an alternative, that looks like it will make things a bit easier for everyone.

eInvoicing is on the rise!  And since software like Xero has jumped in on the change, it’s important for small businesses to know what eInvoicing is all about:

Continue reading Here’s What Businesses Need to Know About eInvoicing in Xero
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Xero’s Integration With DiviPay Can Help Small Businesses Manage Expenses

Expense management is an important thing to have control of in order to keep a business running smoothly.  But it can be a time-consuming process, full of paperwork, data entry, and chasing up staff members for receipts and invoices.

Xero’s integration with DiviPay promises to make the whole process easier, with seemingly half of it being done by staff members on their mobile phones!

But how does it all work?

Continue reading Xero’s Integration With DiviPay Can Help Small Businesses Manage Expenses