Sep 10, 2026
Benefits for Freelancers: Where to Start
A checklist for thinking about health coverage, disability protection, retirement and time off.
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Author: nmbuckhal@gmail.com
Sep 10, 2026
Do You Need a Separate Business Bank Account?
What separation can simplify, what it cannot solve, and when it becomes especially useful.
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How Big Should a Freelancer Emergency Fund Be?
Think about both personal expenses and business volatility when building your buffer.
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The Freelancer Paycheck Method
Turn uneven business revenue into a steadier personal money routine.
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Net 15 vs Net 30 vs Net 60
Understand common invoice payment terms and how they affect your cash flow.
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How to Handle a Late-Paying Client
A calm escalation sequence for reminders, overdue invoices and clearer payment expectations.
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W-2 + 1099 Income: A Practical Money Guide
Organize mixed employee and independent income without treating them like the same kind of paycheck.
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Do Freelancers Need to Pay Quarterly Taxes?
Learn why estimated payments exist and which questions determine whether they may apply to you.
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How Much Should Freelancers Set Aside for Taxes?
Understand the variables that affect a tax reserve and build a simple set-aside habit.
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How Much Should You Charge as a Freelancer?
Work backward from income goals, expenses, non-billable time and positioning to create a more sustainable rate.
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