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The 50/30/20 rule is a popular method: 50% of your income for needs, 30% for wants, and 20% for savings and debt repayment. However, personal circumstances can require adjustments to this formula.
Salaried employees have a steady income and typically receive benefits like vacation and insurance, but may not get paid for overtime. Hourly employees might have more control over their schedules and can earn overtime, but may lack paid sick days and have less predictable income.
The biggest challenge, especially for newcomers, is finding good clients. Building a strong online presence and personal branding are key to attracting clients.
Yes, freelancers must declare their income and pay taxes. It’s advisable to set aside a suitable sum every month for taxes and consider hiring a tax consultant for guidance.
Yes, demand for freelance services often increases during economic uncertainties. The popularity of specific services can vary, but less competition in certain niches can be beneficial.
Consider asking for a raise when you’ve exceeded expectations, taken on more responsibilities, or made a significant impact on the company’s revenue.