Being self-employed can be incredibly freeing but financially, it can also feel like a rollercoaster. In this episode of A Little Bit Richer, our host Iona Bain is joined by accountant and behavioural expert Krystal McGilvery to discuss ways to manage money when your income isn’t guaranteed.

From cash-flow anxiety and chasing invoices to saving for retirement without an employer pension, Krystal shares practical, no-nonsense tips to help you feel more in control of your finances.

Together, they explore how to smooth out irregular income, build a financial buffer and plan for the long term, without sacrificing the freedom and joy that comes with being your own boss.

So whether you’re newly self-employed, years into freelancing, or just thinking about taking the leap, this episode is packed with reassurance and clarity to help you build a more stable and sustainable financial future that’s a little bit richer.

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You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

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Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.