Blog

Short, practical pieces on managing money when your income moves around.

• 2026-09-14 Chasing late-paying clients without being awkward about it The dread of asking where your money is usually comes from not knowing exactly who owes what. Fix that first, and the actual chasing gets a lot easier.
• 2026-09-08 How to set a freelance day rate from the salary you want If you know the annual take-home you want, you can work backwards to the day rate that actually delivers it. Here is the arithmetic, and the step most people skip.
• 2026-09-08 How much should you set aside for tax when you're self-employed? There is no single right percentage, but there is a sensible way to pick one and check it against reality. Here is how to think about your tax pot.
• 2026-09-05 How to work out a day rate that actually covers your year Most freelancers pick a day rate by guessing at what sounds reasonable. Here is the maths that tells you the number you actually need.
• 2026-09-04 How to pay yourself a salary when your income is different every month A steady figure you draw on the same day each month, set below your average, with the tax already carved off. Here is how to work it out.