January 2026

Your first year of freelancing probably felt liberating. No boss, no commute, just you and your laptop making things happen. Then tax season rolled around and you got hit with a bill that made your stomach drop.

Managing money gets more complicated the moment a side project, a part-time venture, or a full small business enters the picture. Many people start out with good intentions, then realize how easy it is for personal and business spending to blend together. A grocery run includes printer paper.