June 2017

The notion of Financial Planning has many of us freelancers burying our heads in the sand. And for good reason; our income is erratic at best and our job security is nonexistent. As independent contractors we enjoy none of those safety-nets afforded the regular nine-to-fivers: pension fund; paid leave, including sick-leave; unemployment insurance; medical aid and access to workman’s compensation and, for those fortunate enough in these tough economic times, an annual bonus. No, we’re independent contractors, we’re free agents.