, have lapsed, freelancers might feel even more squeezed financially. So how can you save — or even just meet your basic financial needs — despite all these hurdles?The only way to manage inconsistent income is to keep a relatively consistent level of spending that allows you to build up enough of a cushion during the good months to get you through the bad ones, explains Henry-Moreland.
Your estimated tax payments are typically based on how much you earned last year. So it makes sense that if you are making less in 2020, you can lower your payments to the IRS. However, if you bought your policy off the Marketplace, or if you're eligible for a special enrollment period, then you might be able to make changes to your plan to lower your monthly premium, says Henry-Moreland. For instance, you might hop on a different plan that has a lower premium but a higher deductible or copayments.While the deadline to apply for the Payment Protection Program ended on August 8, other relief from the government is still available.
Ditch the financial planner
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