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• Many freelancers have taken a financial hit since the start of the pandemic, and most government relief has run out.
• If you need to increase your cash flow to save or pay bills, financial planner Ben Henry-Moreland recommends looking first at your spending to see where you can cut back.
• Then, look into any government programs that are still available, such as the EIDL, and consider reducing your health insurance costs if you’re able.
• You can also reach out to your network to get more work, and reduce your quarterly tax payments to the IRS if your income has gone down.
• Get Personal Finance Insider’s free guide to financial planners