money management

Freelancer Financial Checklist for Your First Year

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Freelancer financial checklist for the first year on a clipboard, with banking and tax tasks checked off

This freelancer financial checklist covers the 12 money tasks to handle in your first year, in the order they come up. First, you set up the basics. Then, you build a simple system for taxes and savings. Finally, you file your first return with clean records. Most of these steps take less than an hour. … Read more

How to Budget With Irregular Income: A System for Freelancers

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How to budget with irregular income: a rollercoaster of freelance income next to a flat, steady salary line

To learn how to budget with irregular income, stop budgeting around each payment and start paying yourself a steady salary. All your client money lands in one business account. From there, you set aside taxes, pay yourself the same amount every month and keep the rest as a buffer for slow months. As a result, … Read more

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