Free Money Tools Every Freelancer Should Use
The types of free tools freelancers can use for budgeting, invoicing, time tracking and saving, and how to choose them.
Money guides for freelancers
Practical, no-jargon guides on budgeting, saving, getting paid and side hustles.
How to Receive International Payments as a Freelancer
The main ways freelancers get paid by foreign clients, the hidden costs to watch for and how to choose the cheapest option.
The 20-Minute Monthly Money Review for Freelancers
A simple monthly checklist to keep your freelance finances on track: income, tax, buffer, budget and goals.
Should Freelancers Take a Loan? Questions to Ask First
How freelancers can decide whether a loan makes sense, how to compare loan costs and how to borrow safely with irregular income.
A Simple Savings Plan for Your Side Hustle Income
Turn side hustle income into real progress with a clear savings goal and a monthly target.
How to Pay Yourself a Steady Salary as a Freelancer
A simple system to turn irregular freelance income into a steady monthly salary using a buffer account.
How Big Should a Freelancer Emergency Fund Be?
Why freelancers need a bigger emergency fund than employees, and a simple way to work out your target.
PayPal vs Payoneer vs Wise: Which Costs Freelancers Less?
Compare how PayPal, Payoneer, Wise and bank transfers charge freelancers, including hidden exchange-rate markups.
The 50/30/20 Budget When Your Income Changes Every Month
How freelancers and side hustlers can use the 50/30/20 budget rule even when income goes up and down.
How to Set Your Freelance Hourly Rate (Without Guessing)
A simple 4-step method to set a freelance hourly rate that covers tax, costs and unpaid time, with a worked example.