Notes
Notes for freelancers, page 2
Short, practical guides to getting paid for your time. Every number and legal claim links to its source.
Open enrollment, self-employedThe 2027 dates, estimating an uneven income, and pricing health insurance into your rate.
A separate business accountWhy the IRS says to keep business money apart, and how to set it up in an afternoon.
An emergency fund, freelance styleYour monthly floor, a target in months, and a share of every payment until it's full.
Invoice numberingThree rules, four formats, and what to do when a number goes wrong.
Raise your ratesPick the new number from your own data, give notice, and send the letter.
Late feesWhether to charge one, how to set it up, and the wording for contract and invoice.
Payment termsNet 15, net 30 or due on receipt: what they mean and how to pick yours.
Freelance contract basicsThe six things to settle in writing before you start, and where the law requires it.
Kill feesWhat to charge when a client cancels, and the contract wording to agree it up front.Track it, prove it, get paid.
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