For the self-employed
For the self-employed, freelancers and liberal professions
Your income fluctuates, the responsibility is yours and personal and business money easily get mixed up. We help you get a grip, without jargon and without judgement.
What is financial well-being for the self-employed?
Calm about your private money and your business money.
As a self-employed person you are the business. Your income fluctuates, you pay your own contributions and taxes and you decide alone. Financial well-being means finding clarity and calm in that.
We combine practical habits (salary, reserves, buffer) with attention to what money does to you as an entrepreneur.
- A steady salary from your business
- Set money aside for VAT, contributions and taxes
- A buffer for lean months
Why it is different for the self-employed
Fluctuating income
Good and bad months alternate. Without a system, every lean month feels like a crisis.
Private and business get mixed up
If you do not know what is yours, it is hard to decide calmly. A clear separation gives you overview.
You are on your own
No colleagues to bounce ideas off. A coach or learning group is a listening ear and a mirror.
Money stress creeps in
Putting things off and avoiding them costs you energy and focus, including for your clients.
What we can concretely do for you
Keep personal and business separate
A simple account structure and a regular salary from your business, so you know what is yours.
Set money aside for VAT, contributions and taxes
A calendar with due dates and fixed percentages, so payments no longer catch you by surprise.
A buffer for lean months
A personal buffer and a business buffer, with small milestones and automatic saving.
Look calmly at your figures
A weekly money moment of thirty minutes with five figures, and a plan for the ups and downs.
Decide with confidence
Prices, investments and growth: the four questions and the calculation tools that help you choose.
Behaviour and habits
Break the cycle of money stress and avoidance, together with a coach if you wish.
Who is it for exactly?
- Self-employed people, full-time or as a side activity
- Freelancers and one-person businesses
- Entrepreneurs and managers of an SME
- Practitioners of a liberal profession
- New entrepreneurs who want good habits from the very beginning
How do we go about it?
Book an appointment
A first conversation with a coach, online.
Take “Boost your financial confidence”
15 short lessons and two live sessions, designed especially for the self-employed and entrepreneurs.
Use the tools
Calculation modules and worksheets for your salary, your reserves, your buffer and your decisions.
Work with a coach
A coaching package if you wish, with conversations and writing coaching.
Our method: behaviour change by doing
Knowledge alone changes little. What changes is what you do. That is why our approach is mainly about doing: you try small steps in your real life and learn from what works. Insight grows along the way, from what you map out and try.
Take stock
First map what is there: income, spending, debts, buffer and habits. Facts, without judgement.
Analyse
Think about what you see. What stands out, where is there room, what do you do on autopilot? This is where insight grows.
Choose and plan
One workable goal and a small first action, with calculators and a “what if?” scenario as support.
Do it
You try it out in your real life with an assignment or a small experiment.
This is where change happensAdjust and keep going
Look back at what worked, adjust and repeat until it becomes a habit. A coach can support you in this.
Then you start again with the next small step. That is how habits are built.
What makes our approach different
- The person and behaviour first, then the numbers
- Clear, without jargon and without judgement
- Small steps you can keep up
- At your own pace, with a coach if you want one
- Educational and independent: we do not sell financial products and do not give personal financial advice
Our offer for you
Boost your financial confidence
Online lessons and two live sessions, for those who want to get a grip on personal and business money as a self-employed person.
Read more →Working with a coach
A coach from your area, with conversations and writing coaching.
Read more →Tools for entrepreneurs
Customer value, emergency buffer, budget planner and more.
Read more →What it gives you
- A steady salary and a clear split between private and business
- Reserves ready for VAT, contributions and taxes
- A buffer so lean months no longer keep you awake
- A weekly money moment you look forward to instead of dreading
Frequently asked questions
Do you give tax or accounting advice?
No. For accounting and tax matters, we refer you to your accountant. We help you prepare the conversation and build the right habits.
Is this also for my company?
Yes. The principles are the same. With a company, you always discuss salary and reserves with your accountant.
How much time does this take?
Each lesson takes about 20 to 25 minutes. The weekly money moment takes thirty minutes.
Take the flyer with you
An A4 on getting a grip on private and business money. To keep, print or pass on.
Calm starts with an overview.
Book an appointment and discover what the academy can mean for you as a self-employed person.