When you’re a freelancer or independent contractor, there’s no HR department to handle your paycheck, retirement account, or health insurance. Everything falls on you.

That can feel overwhelming, especially if you’re new to freelancing. The good news is that with a few smart money moves, you can take control of your finances. You don’t have to be a finance expert to do it. Small, consistent steps can make managing money easier and less stressful. Here are practical ways to keep your finances on track while building a stable future.

1. Separate Your Business and Personal Finances

One of the smartest moves you can make early is separating your personal and business money. Many new freelancers use the same account for everything. That can quickly turn into a headache. You’ll struggle to se

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