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▶️ Investigator - France

▶️ Senior Software Engineer, Alterya

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▶️ Staff User Researcher

▶️ Business Development Representative, Dubai

▶️ Business Development Representative, Dubai

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▶️ Sr. Backend Engineer

▶️ Sr. Data Engineer

▶️ Sr. Data Engineer

▶️ Sr. Product Manager

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🔵 How to manage finances as a freelancer: Create a freelance income tracker
#Freelancetips

Starting as a freelancer often means dealing with irregular income, with busy weeks followed by slow ones. Experienced freelancers face the challenge of overbooking themselves due to fluctuating client inquiries, which can lead to burnout. To manage this, it's essential to track your expected income before payment arrives, which can take over 30 days.

Using a freelance income tracking spreadsheet can help you record booked work, invoice dates, project descriptions, and prices. Including a column for hours worked allows you to analyze your productivity and financial standing. This tracking can also inform decisions about raising rates for clients who require more hours. Remember, your billable hours should cover non-billable tasks like administration and marketing, as well as expenses like taxes and social contributions.

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🔵 How to manage finances as a freelancer: Have a separate business bank account when working as a freelancer
#Freelancetips

Using personal bank accounts for business transactions can complicate financial management, especially during tax time. Separating personal and business expenses can be tedious, and having clear financial records is essential for activities like securing loans or applying for a digital nomad visa.

Additionally, if you decide to incorporate as a limited liability company (LLC), a separate business bank account is legally required in many areas. Fortunately, there are many no or low-fee business bank account options available for solo business owners.

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▶️ Financial Accounting & Risk Specialist

▶️ Program Manager

▶️ KYB Specialist

▶️ Corporate Recruiter

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❗️ Current vacancies

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▶️ Compliance Associate

▶️ Sales Director, Dubai

▶️ Staff DevOps Engineer

▶️ Head of Talent

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▶️ Community Manager

▶️ Global HR Manager (Maternity Cover)

▶️ Protocol Engineer

▶️ Acquisition Marketing Manager

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🔵 How to manage finances as a freelancer: Stay on top of client invoicing as a freelancer
#Freelancetips

Invoicing can significantly reduce freelance profits due to delays in payment. Many clients forget to pay on time, with 49% of US invoices ending up overdue. This issue has worsened post-pandemic, affecting small businesses.

To ensure timely payments, consider the following strategies:

1. Discuss Payment Methods: Clarify payment options during client onboarding to avoid confusion and delays, especially for international clients.

2. Shorten Payment Terms: Set clear expectations for payment timelines, such as 7, 14, or 30 days, and consider faster terms for smaller invoices.

3. Introduce Retainers: Charge upfront for a set number of hours or deliverables, ensuring cash flow while waiting for payments.

4. Offer Productized Services: Create standardized service packages with fixed fees, potentially as subscriptions, to establish recurring billing.

5. Automate Invoicing: Use automated tools to reduce errors in invoices, ensuring correct details and compliance with tax regulations.

These steps can help prevent invoicing headaches and improve cash flow for freelancers.

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🔵 How to manage finances as a freelancer: Track your freelance expenses 
#Freelancetips

Busy freelancers often procrastinate on expense tracking until tax deadlines approach, which can lead to missed opportunities for maximizing tax-deductible expenses and overspending. To improve financial management, it's important to regularly upload receipts and analyze spending habits.

Key areas to focus on include:

1. Payment Processing Costs: Many payment apps advertise low fees, but hidden charges can inflate the actual cost to nearly 5%. For example, PayPal's fees vary based on factors like location and payment method.

2. Business Subscriptions: Freelancers often subscribe to multiple apps, leading to unnecessary spending. Utilizing comprehensive solutions that combine features can save money. Tools like Rocket Money can help identify and cancel unused subscriptions.

3. Minimum Personal Spending: It's crucial to track both business and personal expenses to understand the cash flow needed each month. Freelancers should determine their minimum monthly income requirement to ensure financial stability.

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▶️ Business Development Associate/Senior Associate - Engineering Services

▶️ Front End Engineer - Cycles

▶️ Blockchain Senior Security Engineer - Informal Security

▶️ Protocol Security Product Manager

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▶️ Manager Treasury Operations

▶️ Treasury Operations Specialist

▶️ Director of Business Development(Cactus Custody)

▶️ Global HR Manager (Maternity Cover)

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▶️ Acquisition Marketing Manager

▶️ Senior Backend Engineer

▶️ Growth Marketing Associate

▶️ Software Engineer II, Exposure

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🔵 How to manage finances as a freelancer: Create a freelancer budget
#Freelancetips

Freelancers need to budget carefully due to inconsistent income. Start by estimating your monthly income and expenses, then compare them to ensure you’re financially stable. If you’re falling short, either increase income, cut costs, or both.

Additional budgeting tips include:

• Start a buffer fund: Save extra cash during high-earning months to cover low-income periods.
• Review your pricing: Make sure your rates are enough to meet your budget without overworking.
• Build a financial runway: Save enough money to cover several months without work, giving you freedom and reducing stress.

Savings guidance:

• Aim to save 35%-50% of your income for strong financial security.
• Saving 25% is great, and 5%-15% is the bare minimum to stay afloat month to month.

Tax savings:

• Set aside 15%-30% of your income for taxes (depending on your business structure and location).
• Consult a local accountant for exact rates.

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🔵 How to manage finances as a freelancer: Figure out how much to pay yourself 
#Freelancetips

As a freelancer, it’s important to separate personal and business finances. Not all the money you earn is truly yours due to taxes and expenses.

Understand these key terms:

• Gross profit = Revenue minus direct service costs.
• Net income = Revenue minus all operating expenses — this is the amount you can pay yourself.

Use your income history to estimate average net income and determine a safe, sustainable amount to pay yourself. This helps you set income goals and plan for savings or reinvestment.

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▶️ Director, Revenue Operations

▶️ Fraud Analyst

▶️ DeFi Ecosystem Specialist

▶️ Senior Developer Relations Engineer

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▶️ Game Designer UI/UX (Japan)

▶️ Payments Lead, Customer Success

▶️ Payments Lead, Customer Success

▶️ Business Development Representative, London

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🔵 How to manage finances as a freelancer: Invest in the right insurance as a freelancer
#Freelancetips

Good insurance can help you avoid unforeseen business expenses, such as a laptop breaking during a business trip. In more serious cases, it can protect you from lawsuits if you’ve damaged someone’s property while taking aerial shots for a real estate agency. Just as you need health insurance, your business may require professional indemnity (liability) insurance.

Dinghy, With Jack, and Policybee offer competitively priced online policies for self-employed individuals. The Freelancer Union also provides extensive resources on various insurance options for independent contractors. If you’re a digital nomad freelancer, remember to also have adequate travel insurance that covers personal devices, such as your phone or laptop. 

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🔵 How to Become a  Freelancer in 2025.

The freelance market is growing, projected to reach $8.39 billion. Freelancers are self-employed individuals who choose their projects and rates, offering advantages like independence, flexible schedules, and varied work.

However, freelancing also comes with challenges such as inconsistent income and lack of employee benefits. Key steps to start freelancing include:

1. Identify Marketable Skills: Assess your skills and validate their demand.
2. Select a Niche: Focus on an area where you have expertise and interest.
3. Acquire Clients: Use networking, job boards, and outreach to find clients.
4. Set Your Rates: Research industry standards to determine competitive pricing.
5. Legal Setup: Register as self-employed or incorporate your business.
6. Get Necessary Tools: Utilize essential tech like invoicing and project management software.
7. Make Your First Sale: Stay persistent in outreach until you secure clients.
8. Deliver Quality Work: Focus on providing excellent service to encourage repeat business.
9. Invoice and Manage Finances: Use invoicing tools for efficient payment processing and bookkeeping.
10. Build a Client Pipeline: Continuously seek new clients while maintaining relationships with existing ones.
11. Enhance Customer Retention: Keep clients engaged for future opportunities and referrals.
12. Explore Growth Opportunities: Consider diversifying services or scaling your business.

Freelancing offers freedom and potential for income growth, but success requires strategic planning and consistent effort.

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▶️ Anti-Money Laundering Specialist (KYC)

▶️ Accountant (2 Years Renewable)

▶️ AML Specialist (2 year contract - Renewable)

▶️ DeFi Ecosystem Specialist

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