Hourly vs Value-Based Pricing: How to Calculate Your Real Billable Floor
Stop undercharging: how to factor unpaid admin hours, self-employment taxes, health insurance, and profit margin into your freelance pricing.
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Budgeting Guides
Managing irregular income, building a freelancer emergency fund, and smoothing cash flow.
The Profit First Method for Freelancers: A Practical Cash Flow Blueprint
Adapt Mike Michalowicz's Profit First framework for self-employed freelancers: target allocation percentages for Profit, Owner's Pay, Tax, and Opex.
The Freelancer Emergency Fund: Why 3 Months Isn't Enough
Why self-employed professionals need 6 to 9 months of emergency reserves and how to build it without slowing down debt payoff.
The 3-Account System for Managing Freelance Income
A simple three-account structure — operating, taxes, and profit — that turns irregular freelance income into a predictable personal paycheck.
Budgeting for Irregular Income: The Feast-or-Famine Survival Guide
How to budget when your monthly income swings between $3,000 and $12,000 using the baseline buffer method.
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