Tag freelance money management

Interest Rate

How a Freelancer With Irregular Income Should Handle a High-Interest Loan

Freelancer reviewing high interest loan repayment plan on laptop with financial documents

36% of self-employed workers struggle with monthly debt payments. Here's how to use income smoothing and debt avalanche strategy to pay down high-interest loans on a variable income.

Marcus Delgado
April 19, 2026

Personal Finance

How Freelancers Can Build a Debt Payoff Plan Without a Steady Paycheck

Freelancer reviewing a debt payoff plan on a laptop with financial documents and a notebook on the desk

With credit card APRs above 20%, freelancers can't afford a strategy built for salaried workers. Here's how income-averaging and surplus routing actually work.

Sophia Okafor
March 4, 2026