Time is money or so they say – in the business world. As most small business owners or freelancers will realize, being a “master of all trades” is the need of the hour.Yes, it is also a time when you feel as if 24 hours is never going to be enough and for most of us, it becomes a battle to find time for yourself or the things that matter to you.Yet there are solutions for those in such a quandary since technology has presented us with solutions for problems associated with productivity, communication, money management and so on and so forth - much to the relief of several people who consider every moment to be precious to their goals.Mobile technology, in particular, has changed everything and ever since the creation of the IPhone, “killer apps” have assumed a new avatar touching lives in ways that could not be imagined a few decades ago.Armed with these tools (that costs so little and does so much) entrepreneurs can continue to make their foray into unchartered territory, while knowing that somewhere that technology has taken care of the simplest yet important task.So here is a list of 20 IPhone apps that are deemed to be perfect for the small business owner or freelancer, and will probably continue to stay on this list for a long time to come.