Freelance Money: A Practical Guide to Managing Irregular Income

A step-by-step how-to manual that teaches freelancers, independent contractors, and gig workers how to take control of unpredictable income, calculate their real tax obligations, build a reliable budget, and create a financial safety net that works even when client payments are late or slow.

Inside this book

• Introduction: Why Normal Budgeting Advice Fails Freelancers
• Know Your Numbers: Calculating Your Real Freelance Income
• Building a Variable-Income Budget That Actually Works
• The Monthly Income and Expense Spreadsheet
• Calculating and Saving for Self-Employment Taxes
• Planning and Smoothing Variable Expenses
• Building and Maintaining a Freelance Emergency Fund
• Your 90-Day Freelance Financial Launch Plan and Next Steps