Money Skills for Gig Work
Build progressive financial capability through money skills for gig work, moving from understanding to confident application.
5
Lessons in this module
Income May Be Irregular
Explain how to build a budget that works with irregular income — by setting essential expenses against the income floor and building a buffer fund from surplus months.
Set Aside Money for Taxes
Estimate tax owed on freelance income and set the provision aside immediately upon receipt — before any other spending from that payment.
Track Business Expenses
Identify work-related deductible expenses for self-employed income — and explain how tracking and recording them reduces taxable income and the tax owed.
Protect Your Time and Safety
Evaluate whether a gig is worth accepting by calculating the net payment after all costs and dividing by hours worked — then comparing the effective hourly rate to the minimum you should accept.
Know When a Gig Is Not Worth It
Calculate real hourly earnings from a gig by deducting all direct costs and tax provisions from gross income and dividing by hours worked — and use that figure to evaluate whether the gig is worth accepting.
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