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Muhammad Naveed

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Your best month is the worst month to budget from

Your best month is the worst month to budget from

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2 min read
A freelancer's buffer is not savings, it is next month's salary

A freelancer's buffer is not savings, it is next month's salary

Comments 1
3 min read
One account for everything is why freelance money disappears

One account for everything is why freelance money disappears

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3 min read
A freelancer's tax bill should never be a surprise

A freelancer's tax bill should never be a surprise

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3 min read
Freelancers should budget from what cleared, not what was invoiced

Freelancers should budget from what cleared, not what was invoiced

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3 min read
The gap between two payments is where freelance budgets break

The gap between two payments is where freelance budgets break

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3 min read
A freelancer's budget should start with the worst month, not the best

A freelancer's budget should start with the worst month, not the best

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3 min read
Freelancers do not need a bigger month. They need a steadier one.

Freelancers do not need a bigger month. They need a steadier one.

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3 min read
Budget for the month you actually had, not the month you hoped for

Budget for the month you actually had, not the month you hoped for

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Comments
3 min read
Your freelance rate is not your income: budget from the number that actually lands

Your freelance rate is not your income: budget from the number that actually lands

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Comments
3 min read
A freelancer's first quiet month: plan for it before it arrives

A freelancer's first quiet month: plan for it before it arrives

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2 min read
Freelancers do not have a payday, they have paydays

Freelancers do not have a payday, they have paydays

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4 min read
When a big freelance payment lands, do not spend it all

When a big freelance payment lands, do not spend it all

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3 min read
'Pay yourself first' does not work on irregular income. This does.

'Pay yourself first' does not work on irregular income. This does.

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2 min read
What schools get wrong about exam-result SMS (and the cheaper fix parents actually read)

What schools get wrong about exam-result SMS (and the cheaper fix parents actually read)

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1 min read
Set Aside Your Tax First: A Simple Habit for Every Freelance Payment

Set Aside Your Tax First: A Simple Habit for Every Freelance Payment

Comments 2
2 min read
A Simple Weekly Routine for Tracking Freelance Income

A Simple Weekly Routine for Tracking Freelance Income

Comments 1
2 min read
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