Tag freelancer finances

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 Gig Workers With Irregular Income Can Actually Build an Emergency Fund

Gig worker reviewing finances and building an emergency fund on a laptop at home

Gig income swings 40–60% month to month—so the standard 3-month rule doesn't cut it. Here's a percentage-based system to build 6–9 months of savings on irregular pay.

Sophia Okafor
January 26, 2026