Finance
Freelancer's First Finance Checklist
The 12 things every freelancer should have in place before their first invoice — or their hundredth. Clear, practical, and formatted to print and check off as you go.
What's in it:
- A separate business bank account
- An invoicing system (even a simple one)
- A way to track income and expenses
- An estimated tax savings rate
- A quarterly tax reminder calendar
- A basic rate calculation
- An emergency fund target (even if you're not there yet)
- ...and five more essentials
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The First Swim
The First Swim — Stage 1 Journal Pages
Five prompted journal pages for Stage 1 of The First Swim framework: Standing at the Edge. For anyone who is about to begin — or who has been about to begin for longer than they'd like to admit.
The prompts inside:
- What I'm waiting for (honestly)
- What I'm afraid the edge means about me
- The version of me that jumped
- What I already know that I'm pretending I don't
- The first small step I could take today
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