Freelance Money Guides
Straight-talking guides on the money side of freelancing — taxes, insurance, retirement, pricing and getting paid. Written for the self-employed, paired with free calculators. Part of AMAADOR Freelancers.
Self-Employment Tax Explained
The 15.3% tax, how to calculate it, and how to pay.
Quarterly Estimated Taxes
Dates, how much to pay, and avoiding penalties.
30 Tax Deductions You’re Missing
Write-offs that cut a freelancer’s tax bill.
UK Self-Assessment Tax
Sole-trader Income Tax, National Insurance & deadlines.
S-Corp: Does It Save Tax?
When an S-corp election pays off for freelancers.
1099-NEC Explained
Who gets one, and what to do if it’s wrong.
Home Office Deduction
Claim it correctly — simplified vs actual method.
Avoid the Underpayment Penalty
The safe-harbor rule that makes you bulletproof.
First-Year Freelancer Taxes
What you’ll owe and the rookie mistakes to avoid.
Self-Employed Tax Checklist
Everything to prep for a painless filing.
Filing a Tax Extension
What it does (and doesn’t) buy you.
Do You Charge Sales Tax?
US nexus & digital goods, explained.
Do You Need an EIN?
Keep your SSN private — get one free.
Best Tax Software
For Schedule C, SE tax & quarterly payments.
Best Accounting Software
QuickBooks, FreshBooks, Wave & more compared.
Stripe vs PayPal vs Wise
What it really costs you to get paid.
Freelance Contracts
Every clause your agreement needs.
Get Clients to Pay On Time
Deposits, terms, reminders & late fees.
Best Business Credit Cards
Separate spending & earn rewards.
Invoice Factoring
Turn a slow-paying invoice into cash now.
Pricing Models Compared
Hourly vs fixed vs value vs retainer.
How Much Should You Charge?
Set a rate that covers tax, downtime & profit.
Best Invoicing Software
Get paid faster — the top apps compared.
Business Bank Accounts
Separate your money the right way.
Bookkeeping for Freelancers
A simple system that keeps you tax-ready.
Budgeting on Irregular Income
Turn feast-or-famine into a steady paycheck.
Can You Afford to Go Full-Time?
The numbers to check before you quit.
How Big an Emergency Fund?
Sized for freelance income volatility.
Self-Employed Mortgage
How to get approved without a W-2.
Health Insurance When Self-Employed
Options, costs & the self-employed deduction.
SEP-IRA vs Solo 401(k)
The best retirement plans for freelancers.
Freelancer Business Insurance
Liability & E&O — what you actually need.
Should You Form an LLC?
Sole proprietor vs LLC, explained.
Disability / Income Protection
If you can’t work, your income stops — cover it.
HSA: Triple Tax Advantage
The most tax-efficient account you can use.
Roth vs Traditional IRA
Which wins for freelancers — taxes now or later?