The Pajama Entrepreneur notes that in tough times, entrepreneurs have to be smart about controlling their spending.

He notes: "It seems like only yesterday (for this pajama entrepreneur, mid-2002 to 2004) that we were facing a long period of very few clients or clients who don't pay. The key to surviving is to cut costs by using free online services, cheap mobile calling plans, and a bit of creativity."

His No. 1 pick? It's Skype.

He notes: "I do almost all of my calls on Skype. It's free and convenient."

He has a a top 10 list on other phone tricks, free e-mail and free invoicing.