For freelancers, solo operators and remote workers
Practical money, tools and remote-work guides for freelancers
Plain-English guides with worked examples you can adapt to your own numbers.
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Guides worth reading first
Self-Employment Tax Explained: What You Really Owe and How to Plan for It
It is not 15.3% of your profit. Here is the real formula, a worked example, the 2026 Social Security cap, and how to price your work so the tax does not surprise you.
HSA for Freelancers: How a High-Deductible Plan Can Cut Your Tax Bill (and When It Backfires)
The premium is the wrong number to compare. Here is the worst-case math, the 2026 IRS limits, and the rule changes most freelancer guides still miss.
How to Price Freelance Services: Why a Salary-Based Hourly Rate Falls Short
Dividing a salary by 2,080 hours can leave you undercharging. Here is a step-by-step formula for a sustainable rate, how utilisation changes it, and how to choose between hourly, project and retainer pricing.
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AI & SaaS Tools
How to choose and use software for banking, bookkeeping, security and running a solo business.
Freelance Finance
Taxes, insurance, retirement, pricing and getting paid: the money side of working for yourself.
Remote Work
Working from anywhere: payments, visas, health cover, workspace and communication.
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More in-depth guides
Website Builders for a Freelancer Portfolio: How to Choose Without Getting Locked In
What a freelancer portfolio site needs, how to compare website builders on SEO controls, ownership and exit options, and the testimonial and accessibility rules to follow.
Web Hosting for a Small Blog: What to Know Before You Pay
Hosting types explained for a solo blogger, what uptime percentages mean in minutes, why renewal prices matter more than the sign-up price, and the security basics to check.
VPNs for Remote Workers: What a VPN Protects, What It Doesn't, and How to Choose
A plain-language look at what a VPN does for a freelancer, the marketing claims to question, and a checklist for choosing one without overpaying.
Umbrella Insurance for High-Earning Freelancers: What It Covers, What It Costs and How Much to Buy
A million dollars of extra liability cover can cost less than a few coffees a month. Here is how umbrella policies work, the gap that catches freelancers, and how to size one.
Time Tracking Apps for Freelancers: Why Your Real Hourly Rate Is Lower Than You Think
How tracking time reveals your effective hourly rate on fixed-fee work, what to look for in a time tracking app, and the client-monitoring and classification issues to watch.
Term Life Insurance for Freelancers With Dependents: How Much Cover You Actually Need
No employer means no group life cover. Here is how to size a term policy three ways, choose the right length, and avoid the mistakes that leave families underinsured.
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