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The money you earn freelancing is not as “controlled” as money that was paid from an employer. Usually there are no long-term investment options (super, 401K, or pension savings) or other employee benefits. Forbes has listed 3 essential personal saving and investing tips to help freelancers. The tips include, developing an emergency fund (for the times when there is little work), staying cautious with short term investments, and to focus on long-term secure investments (i.e., pension savings). More here.