A short book about taking control: pay yourself a fixed salary, build a cushion, and stop asking yourself the same question every month.
By Gloria de Quiñones
Save 20% of your salary. Make a monthly budget. Pay yourself first. Every one of those assumes something that isn't true in your case: that you know how much you'll have this month.
Working for yourself is different. A payment lands and instead of relief you feel suspicion. You leave the surplus untouched, just in case. And a month later it's gone, not because you invested it but because it went out in small purchases you never wrote down.
The problem isn't how you divide the money. It's that you have no certainty about how much there will be.
This book solves certainty first and distribution second. In that order, which is exactly the order no standard financial advice follows.
A fixed figure you can pay yourself every month, calculated from your real history and not from an optimistic average.
How much to set aside to sustain that salary in the slow months, and how to know when to use it.
A habit that keeps that money from ever feeling like yours, so tax season stops being a scramble.
A clear order for deciding where every extra dollar goes, instead of leaving it idle until it evaporates.
And with that settled, the fifth: a rate that comes from a calculation and not from the fear of a client saying no.
This isn't a PDF full of formulas you have to move into a spreadsheet. In chapter 4 you type in your recent months of income and the book gives you your sustainable salary right there. In chapter 6 you log each payment and it tells you how much to set aside.
It opens in your phone's browser. Nothing to download or unzip. You also get the book as a PDF in case you'd rather read it offline or print it.
Freelancers, consultants, contractors, and anyone who just left a salaried job and doesn't yet know what to charge or what they can spend.
If you have a fixed salary and a payday that never slips, this book isn't for you. The usual advice will serve you better.
One-time payment through Hotmart. Card, PayPal and local methods, with instalments available.
As soon as the payment clears your access arrives. Open the book and start reading.
On your phone, nothing to download. The calculators work right there.
The full book with both calculators, plus the PDF for reading offline. One-time payment, instant access.