How to Budget When Your Income Changes Every Single Month
Averaging a variable income and budgeting off it is the most common mistake self-employed and commission earners make. Here's how a baseline-month budget works instead.
Topic
Side income
4 articles.
How to Price Your First Freelance Service When Nobody's Hired You Yet
No clients, no testimonials, no idea what to charge? Here's the mechanism for pricing your first freelance service — a costs-based rate, a market check, and a worked example.
How Big Your Emergency Fund Should Be When Your Income Is Irregular
How to size an emergency fund when you're self-employed with irregular income: the difference between fixed-cost coverage and income-replacement, with worked examples.
How to Calculate What Your Side Hustle Really Pays Per Hour
How to calculate your real hourly rate from a side hustle: revenue minus platform fees, costs and tax, divided by every hour you actually worked — including the unpaid ones. Two worked examples show how far the headline number falls.