An emergency fund is important for everyone, but for freelancers it is essential. Without a steady paycheck, you are one…
Budgeting is difficult when you never know how much you will earn next month. Traditional monthly budgets assume steady paychecks,…
Debt is a fact of life for many freelancers. Between startup costs, irregular income, and the temptation to put expenses…
Most freelancers hate networking. It feels sleazy, awkward, and unproductive. But relationships drive the freelance economy. The best gigs come…
How you price your services is the single most important financial decision in your freelance business. Charge too little and…
Tax deductions are a freelancer’s best friend. But claiming them means being ready for IRS scrutiny. If you follow basic…
One of the biggest financial decisions you will make as a freelancer is how to structure your business. Should you…
Traditional accounting says: Revenue – Expenses = Profit. The Profit First system flips that formula: Revenue – Profit = Expenses.…
Taking time off as a freelancer feels impossible. No paid time off. No sick days. No one covering for you.…
Freelancers do not have employer-sponsored 401(k) plans, but that does not mean we cannot save aggressively for retirement. In fact,…