Blog

A big month feels like wealth, but what you own and what you owe tell the real story. Here is a plain, jargon-free way to read your business's financial health.

Billing a lot does not mean having a lot. Learn to read your cash flow with three simple questions and a weekly sheet, so a good month on paper never catches you short.

Write a freelance proposal around the questions your client is really asking, so approving it feels easy and safe.

A rate change is not one announcement. Sort your clients into groups, begin with the easiest conversations, and give your best clients a personal, gentle landing.

Follow an invoice through the client's inbox, approval and payment run, and learn what makes it easy to pay or easy to forget.

A good month on paper can still leave the bank account empty. Learn what a balance sheet and an income statement each tell you, and how to use both without being an accountant.

A charge for slow payment is only useful if it fits the reason clients pay late. Learn when to add one, what shape to give it, and when to let it go.

Buy the same item at three different prices and a sale could carry any of them. Learn the three common ways to assign cost, see one worked example, and choose a method you can stick with.

Travelling as a freelancer goes best when clients barely notice. Here is a simple handover routine for before you leave, while you are away, and the day you land back.