THA·ONE Insights
Understand your finances. Decide better.
Practical guides on liquidity, pricing, reserves and financial planning – for freelancers and small businesses.
Finance
Profit but No Cash? Why Profit and Liquidity Are Two Different Things
The books show profit, the account shows low tide. Both are true. Here are the five reasons why profit and liquidity drift apart – and what you can do about it.
Taxes & ReservesBuilding Tax Reserves: The 3-Account Method for Freelancers
The tax bill never comes as a surprise – it just gets ignored. With three accounts and one fixed rule, the topic is settled for good.
Pricing & RatesCalculating Your Hourly Rate as a Freelancer: The Formula That Actually Works
Target income divided by 2,000 hours – that is how many people calculate, and that is how prices end up too low. Here is the complete formula with an example.
LiquidityLiquidity Planning for Freelancers: Build Your Own Liquidity Plan in 5 Steps
A liquidity plan shows you month by month whether your money will last – long before things get tight. Here is how to build one yourself in an hour.