Managing freelance cash flow when income is irregular
Freelancers are taught to optimize their rates, but rates are only half the equation. The real problem is the mismatch between lumpy income and scheduled expenses — and the stress that mismatch creates is what drives bad decisions, not the absence of a good rate.
This guide covers how to model your cash flow, how to size your buffer, and how to reduce volatility without raising rates or cutting expenses you cannot afford to cut.
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