Freelance Money Without Panic

Budgeting for income that changes every month

Three accounts and one rule that turn irregular income into a predictable monthly salary, plus a tax buffer so the yearly bill stops being a crisis.

What you will be able to do

• A holding account that smooths good and bad months
• A salary you pay yourself from your quietest month
• A tax buffer that is ready before the bill arrives

Contents

1. Pay yourself a salary
2. The tax buffer
3. Price for the quiet months