Business
Freelance Contract Essentials: 10 Clauses That Protect You
The clauses every freelance contract should cover, including scope, payment, intellectual property, revisions, termination, liability limits and independent contractor status.
Money, taxes and insurance for people who work for themselves
No employer is withholding your taxes, matching your 401(k) or picking your health plan. Indiecoffer explains how to handle those jobs yourself, in plain English, with worked examples.
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Insurance
Cyber Insurance for Freelancers: Do You Need It and What Does It Cover?
How cyber liability insurance works for freelancers and small businesses, first-party vs third-party coverage, social engineering fraud, what insurers require, and how to compare policies.
Business
Freelance Invoicing: How to Get Paid On Time (and What to Do When You Aren't)
What to put on a freelance invoice, payment terms that work, deposits, late fees, a polite follow-up sequence, and options when a client won't pay.
Money management
Bookkeeping for Freelancers: A Simple System That Takes 30 Minutes a Month
How to set up freelance bookkeeping: separate accounts, cash-basis accounting, expense categories that match Schedule C, a monthly routine, and how long to keep records.
Health coverage
Health Savings Accounts (HSAs) for the Self-Employed: The Triple Tax Advantage
How an HSA works for freelancers, who is eligible, how contributions are deducted, what you can spend it on, and how to use it as a long-term investment account.
Business
How to Set Your Freelance Rate So It Covers Taxes, Benefits and Slow Months
A step-by-step formula for pricing freelance work: target income, self-employment taxes, insurance, retirement, overhead and realistic billable hours, with a worked example.
What we cover
- Taxes — quarterly estimates, self-employment tax, deductions and business structure.
- Retirement — SEP IRA, Solo 401(k) and how to choose between them.
- Health coverage — Marketplace plans, premium tax credits, HSAs and the self-employed health insurance deduction.
- Insurance — business, disability and life coverage for people without an employer plan.
- Money management — pricing, irregular income, credit and buying a home as a freelancer.