Financial Fitness for Freelancers: How to Survive and Thrive on an Irregular Income

The rewards of being self-employed can’t be ignored, but many freelancers struggle with managing their finances and staying on budget. Do you find it difficult to pay the bills and save money without the steady paycheck? Do you have sleepless nights when clients don’t pay on time? Or have you put your dreams of a freelancing career on hold because you fear financial failure? Whatever the case may be, “Financial Fitness for Freelancers: How to Survive and Thrive on an Irregular Income” will show you exactly how to manage your money, cash flow and budget so that you can enjoy the rewards of freelancing. It’s written for people with an irregular income, the hardworking freelance writers, photographers, artists, website developers and other independent workers making a living -- or struggling to maintain their dream career -- without the steady paycheck. This book guides you through the process of creating a realistic budget and spending plan, and also gives you important tips on managing your money without a paycheck. You’ll learn how to track sporadic income, pay monthly expenses with less stress, set aside funds for taxes, and maximize those hard-earned dollars with smart spending tactics. Part I: Surviving on an Irregular Income covers the basics of budgeting and cash flow for freelancers, including organizing expenses and income, managing incoming checks and calculating important personal finance ratios. Part II: Thriving on an Irregular Income covers savings accounts, expense management, credit cards and debt, and tips for overcoming financial difficulties. Some of the key concepts covered in this book include: Managing Cash Flow as a Freelancer; Organizing Expenses; Key Elements of a Freelancer’s Cash Flow Chart; Sample Budget Worksheet for Freelancers; Calculating and Preparing Quarterly Taxes; Managing Clients Effectively to Minimize Cash Flow Problems; Increasing Spending Self-Discipline; Reducing Your Debt Load; Best Savings Accounts and Savings Plans; Action Plan for Financial Difficulties; Getting a Mortgage as a Freelancer; Income Generating Ideas for Freelancers in All Industries…and more! Whether you’ve just started freelancing, or are a veteran freelancer and want to have more control over your finances, this guide will help you get on a healthy financial track, fast! The book’s complementary website, www.moneyhacksforfreelancers.com, features downloadable charts, tips and guides for freelancers who want to improve their financial situation, and take charge of their finances for the long haul.