This page collects all guides on this blog in one place. Each guide uses one worked example with real arithmetic, so you can copy the method with your own numbers. Pick the section that fits you.
If you are a freelancer
- Set your price. How to calculate your freelance hourly rate: from target income, costs, holidays and billable hours to one hourly rate.
- Win the work. Freelance proposal with three price options: how to offer three packages and how many proposals your monthly goal needs.
- Get paid on time. How to get paid on time as a freelancer: payment terms, a reminder routine and the EU late payment rules.
- Keep enough for tax. How much should a freelancer set aside for tax?: a monthly reserve and an emergency fund, step by step.
If you sell handmade products
- Price each item. How to price handmade products: a formula that includes materials, time, fees and profit.
- Check a market day. Is a craft fair worth it?: profit per hour after stall fee, travel and materials.
- Plan the busy season. Holiday season cashflow for handmade sellers: how much stock you can afford and when to buy it.
For any small business
- Know your target. How many sales do you need to break even?
- See problems early. Cashflow forecast for a small business: a simple 6-month example.
Free tools to start
- Free Freelancer Rate Calculator LITE (Excel, English)
- Free Handmade Pricing Calculator LITE (Excel, English)
If you want everything in one download, the Freelancer Complete System (49 EUR) bundles the freelancer templates, and the Handmade Seller Complete Bundle (35 EUR) does the same for makers.
These guides were written with the help of AI and checked by hand. They are general information, not tax, legal or financial advice. Rules and rates differ by country; check yours.