Budgeting
Mar 25, 2025
What Savings Rate Should Freelancers Target?
The self-employed savings premium, how much to set aside for taxes vs retirement vs emergency fund, and what a realistic target looks like.
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8 articles
Budgeting
Mar 25, 2025
Cash Flow Management for Freelancers with Irregular Income
How to smooth irregular freelance income into predictable personal cash flow — the pay yourself a salary approach, when to hold reserves, and how to handle feast months.
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Mar 24, 2025
Budgeting With Irregular Income: The System That Works
How to pay yourself a consistent salary from variable freelance revenue using the 3-account system — and which months to fund first.
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Mar 20, 2025
How Big Should a Freelancer's Emergency Fund Be?
The standard 3-6 month rule was built for employees. Freelancers need more — and need to structure it differently. Here's the framework.
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Mar 15, 2025
Tracking Freelance Business Expenses the Right Way
Which expenses are deductible, how to set up your accounts to make tracking automatic, and what to review every month.
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Mar 1, 2025
Profit First for Freelancers: Does It Actually Work?
The Profit First method promises to fix feast-or-famine income and ensure you always pay yourself. Here's an honest look at how it works for freelancers — what's great, what needs adjusting, and whether you should try it.
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Jan 30, 2025
Best Business Bank Accounts for Freelancers in 2025
What to look for in a freelancer business bank account, the top options, and why separating business and personal finances is the most important financial move you can make.
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Jan 25, 2025
Health Insurance for Freelancers: Your Best Options in 2025
ACA marketplace plans, health sharing ministries, spouse's plan, short-term coverage — the real options for freelancers who need health insurance and how to choose.
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