Freelance money
Building a tax buffer when nobody withholds for you
When you freelance, every payment arrives before tax. A simple percentage rule, a separate account and a quarterly check stop the annual tax bill from becoming a crisis.
Topic · 2 stories
Freelance money
Irregular income, client gaps and setting aside money that no employer withholds for you.
Freelance money
Sizing an emergency fund when your income is never the same twice
The three-to-six-months rule assumes a steady salary. Here is a way to size a buffer from your own worst months instead, with a worked example.