Freelancer freedom requires preparation
Working for yourself brings autonomy, but also some uncertainty.
One of the biggest sources of stress is not knowing if you'll be able to pay the bills at the end of the month.
The solution? Create a realistic and sustainable budget. The tips below will help you navigate the freelancing world with more peace of mind.
1. Live below your means
Unlike those with a fixed salary, a freelancer can have months with many projects... and others with none.
If you live below what you earn, you'll gain freedom to say "no" to bad projects and time to invest in better opportunities.
2. Calculate your real monthly cost
- List all fixed expenses (rent, food, transportation, internet, etc.)
- Include a margin for unexpected costs and extras
- Use a simple spreadsheet (Excel or Google Sheets)
- The goal is clear: know how much you need per month to live peacefully
3. Avoid "phantom money"
The difference between what you think you spend and what you actually spend can be bigger than you imagine.
Review your expenses every month.
What isn't measured, can't be managed.
4. How much to charge per project?
If a project takes one day of work, it should generate enough revenue to cover three days of life.
Why? Because, among other costs, you'll need time to find new clients and manage your business.
Example:
If you need €50/day to live, a one-day project should be charged at a minimum of €150.
5. Build your financial cushion
Ideally, have a reserve with at least 3 months of expenses.
This gives you space to grow without yielding to the pressure of accepting any work.
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