An emergency savings fund buffer is vital for freelancers. It will help you to keep your head above water when your income fluctuates.

A zero-sum budget means living off last month's income alone. This can be done in the following way:

• Start

1. Determine how much you make on any given month.
2. List your bills: Once you determine how much money you'll make this month,  figure out how much money you need to spend next month.
3. Compare and contrast:  Once you see your monthly income and your monthly bi...

1. Gather every financial statement you can (bank statements, investment accounts, recent utility bills).
2. Record all of your sources of income.
3. Create a list of monthly expenses.
4. Break expenses into 2 categories: fixed and variable.