{"id":8303,"date":"2014-05-12T19:20:30","date_gmt":"2014-05-12T18:20:30","guid":{"rendered":"https:\/\/www.pennygolightly.com\/\/?p=8303"},"modified":"2023-04-04T16:24:09","modified_gmt":"2023-04-04T15:24:09","slug":"incoming-pay-first-youre-freelancer","status":"publish","type":"post","link":"https:\/\/www.pennygolightly.com\/incoming-pay-first-youre-freelancer\/","title":{"rendered":"Incoming! How to pay yourself first if you\u2019re a freelancer"},"content":{"rendered":"

One of the so-called basics of personal finance is to use \u2018automatic savings\u2019 or to \u2018pay yourself first\u2019. In a nutshell, your wages arrive once a month and you set up standing orders etc to whisk some of it off right away to accounts for savings and investments. It\u2019s supposed to reduce the temptation to splurge, and creates an easy long-term wealth creation habit.<\/p>\n

\"freelance

In principle, I think this is a great idea. As a freelancer, though, you often don\u2019t know when you will be paid for a job, and it\u2019s possible that you could have months where you don\u2019t earn much at all. Is it possible to pay yourself first under these circumstances?<\/p>\n

I\u2019d say yes, as long as you\u2019re earning a little more than enough to cover the basics most months. If you\u2019re earning less than that then the priority for most freelancers would be to focus on increasing income. That\u2019s maybe an article for another time\u2026<\/p>\n

Meanwhile, let\u2019s say you\u2019re running a reasonably thrifty household, the basics are covered by your earnings at least ten months out of twelve, and there are no out of control debts etc to worry about.<\/p>\n

What I\u2019ve recently gone back to doing is splitting each payment as it comes in. That includes:
\n\u00b7 A payment towards my tax bill and savings for business expenses (I know much can be offset against tax, but I like to have enough money to buy things upfront)
\n\u00b7 A payment for personal savings, investments, pension etc
\n\u00b7 A small fund for treats
\n\u00b7 A majority share to household bills and everyday expenses (this stays mostly in my current account, but I\u2019m also saving \u00a325 a month out of this for the Christmas fund in a separate account)<\/p>\n

Why have these accounts and payments?<\/h2>\n

Putting money aside immediately for my tax bill gives me a lot of peace of mind. Getting a tax demand when you don\u2019t have the money to hand is really stressful, so that portion of earnings goes off quickly to a savings account with a regularly-checked interest rate.<\/p>\n

The slice that goes for savings is a way to build up an emergency fund, among other things. Freelancers need an emergency fund to dip into on months when income is lower than desired, to help smooth things out. I\u2019m currently rebuilding my emergency fund as a priority compared to other savings and investments, and the proportions of savings and investments etc will change after that because it will be on to the next goal.<\/p>\n

A treats fund is a tiny amount of pocket money that I allow myself to spend completely free from guilt or worry. In the past I had a savings account with an ATM card for this, the sort where it wasn\u2019t possible to go overdrawn. The interest rate completely changed on that so I stopped using the service, but I\u2019m thinking about searching out a new product if a good deal can be had.<\/p>\n

The household and everyday account is just in my current account, which pays some interest and is very easy to access and review. Bills, groceries, travel etc comes out of this one, and smaller savings on good months. In the interim period, any scraps of cash left over at the end of the month \u2013 if any \u2013 will get swept into the emergency fund as well, so that\u2019s sort of pay yourself first and last if it all works out ok.<\/p>\n

Breaking that down completely<\/h2>\n

For each \u00a3100 in income that arrives, my planned split for the next few months will be:
\n\u00b7 \u00a325 to tax and business
\n\u00b7 \u00a325 to savings
\n\u00b7 \u00a34 to treats
\n\u00b7 \u00a346 to bills and everyday expenses<\/p>\n

Let\u2019s see how that works out! It\u2019s easy enough to change the proportions as you go along if it isn\u2019t quite right.<\/p>\n

Are you a freelancer? How do you make sure you can pay your tax bill? Do you have any tips for creating savings when your income is irregular?<\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

One of the so-called basics of personal finance is to use \u2018automatic savings\u2019 or to \u2018pay yourself first\u2019. In a nutshell, your wages arrive once a month and you set up standing orders etc to whisk some of it off right away to accounts for savings and investments. It\u2019s supposed to reduce the temptation to…<\/p>\n","protected":false},"author":1,"featured_media":8304,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-8303","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thrifty-living"],"yoast_head":"\nIncoming! 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