Creating and Selling Digital Products

Many freelancers believe inflation is just a distant line in government reports, something that barely dents their day-to-day hustle. If you find yourself thinking, “It’s just a few extra dollars at the store,” you are not alone. Yet behind those small changes is a slow but steady force that can quietly chip away at your financial security, often without immediate warning signs. Here’s a fact that may surprise you. Data from the 2025 Freelancer Rates Report shows that while rates have gone up slightly on average, many freelancers adjust their pricing less than once per year, often falling behind the real cost of living. If you skipped a rate adjustment, you are already ma…

This article is courtesy of our partner Solo Health Collective. Learn more about Solo at: https://freelancersunion.org/solo. For freelancers, independence isn’t just about clients or schedules. It’s about control — over income, time, and long-term stability. Healthcare should work the same way. For years, the conversation has focused on one question: Do you have coverage? But freelancers are asking better questions now: Can I see the doctors I trust?Can I predict what healthcare will actually cost?Do I have any real say in how my plan works?Coverage alone isn’t enough. Freelancers want control. Control Over Doctors: Choice Still MattersTraditional insurance keeps narrowi…

Ah, the holiday season — filled with joy, festive cheer, and maybe just a pinch of family drama! Let’s be real: navigating holiday interactions can sometimes feel like a game of emotional dodgeball. But fear not! Setting boundaries is like having a trusty shield that helps you enjoy the festivities without the stress. What is a boundary? A boundary is a limit you set regarding other people’s words or actions towards you. You can set different boundaries with different people. Good boundaries can: Create positive rapportPromote mutually productive collaborationsEnsure smooth, effective communicationDefine and clearly communicate expectationsProtect your time and energyPr…

On December 31, the Affordable Care Act enhanced subsidies will expire. These subsidies are a cornerstone of the open marketplace; they’re what helps keep these plans purchased actually affordable and accessible. Without the subsidies, healthcare premiums are set to skyrocket, the price (on average) doubling for 22 million Americans across the country — many of them freelancers. How did we get here?When Republicans took back all three chambers of government in November 2024, we knew that the future of the enhanced Affordable Care Act subsidies was at risk. We were right to be concerned, as when President The President signed into law the “One Big, Beautiful Bill”, it did…

Not sure what to get the freelancer in your life for the holidays? Do you want to show them you support the independent path they’re on? We’ve created for you the Ultimate 2025 Freelancers Gift Guide, with gifts that will help empower the freelancer you’re shopping for in their work, and help them take a well-earned break when they need it. And as a bonus — all of these gifts are created and sold by freelancers and small businesses themselves! For the New FreelancerMutualism written by Freelancers Union founder, Sara HorowitzBreak Up With Your Job hat, from our friends at Freelancing Females99 Classics headphones by Meze AudioFor the Work-From-Home WarriorMain Character C…

This post was produced in collaboration with Hustle Culture, a free Substack newsletter. Every freelancer brings a unique mix of technical and creative expertise to the table, but most of us share two key skills: self-discipline and time management. Without those, working for yourself can look like long, slow days on the couch or weeks jam-packed with endless tasks. I’ve fallen into both of those modes, but over time I’ve developed a formula that helps me create a manageable and productive weekly schedule. It’s difficult for me to sit and focus on one task for many hours at a time. Instead, I break up my days and weeks into dedicated blocks for each of my weekly obligati…

“I just get really anxious saying no, sometimes,” a client shared with me recently. As a career coach I often hear this sentiment from clients who are struggling to maintain their professional boundaries. Past experiences where saying ‘no’ was met with rebuke or criticism, have made many of us very cautious with this word. Some of us avoid it altogether. For us freelancers, this disconnect from our ‘no’ can be especially destabilizing: we’ll take on projects we know are not a good fit, appease clients who make unreasonable requests, or accept unethical behavior from our associates. As this kind of misalignment grows, our energy drains. And as these burdens lead us into p…

Effective bookkeeping is the basis of any thriving small business. Correct financial records offer crucial insights into a business’s financial health, enabling sustainable growth and the ability to make informed decisions. However, numerous small business owners, managing several responsibilities, usually make common bookkeeping mistakes that could create cash flow problems, financial discrepancies, and tax issues. Knowing these mistakes and understanding how to avoid them is vital for preserving the financial integrity of your small business. #1 Mixing Business and Personal Finance Let’s begin with one of the worst common mistakes of DIY small business accounting: mixi…

In a major legislative update—the "One, Big, Beautiful Bill" ("OBBB") — has rolled back the reporting threshold for Form 1099-K, restoring a more familiar standard for many self-employed professionals. These changes are in effect for 2025 tax returns that will be filed in 2026. This change is more than just a technical adjustment. It affects how freelancers track income, prepare for the coming tax season, and interact with digital payment platforms. Let’s break down what’s changed, what it means for your business, and how to stay compliant in this new landscape. What Is Form 1099-K? First, a refresher on Form 1099-K. It is an IRS information return used to report paymen…

From Leo Aquino, founder and financial coach, at Queer & Trans Wealth With the cost of living, health insurance and taxes all rising, saving for retirement as a freelancer can feel impossible. In part, that’s because as a freelancer or small business owner, you’re wholly responsible for creating your own retirement savings. Workers at large companies have some notable advantages in this area: many employers offer 401(k) or 403(b) accounts to full-time workers. This lets employees automatically contribute portions of every paycheck before that money hits their account. These contributions are often tax-free, and some match workers’ contributions up to a certain amou…

It is now official. The U.S. federal government will require nearly all payments to and from federal agencies—including the IRS and Social Security Administration—to be made electronically. Essentially, refunds are being moved to e-refunds for the coming tax season and in the next two years, the IRS is anticipated to phase out accepting payments via check. The IRS provides several electronic payment options for freelance businesses. To prepare for this change in your freelance business, it is important to familiarize yourself with electronic payment methods including IRS Direct Pay, which allows free payments from your bank account, and the Electronic Federal Tax Payment …

The door for Open Enrollment will begin in most states on November 1. If you’re choosing your healthcare through the government’s marketplace, November through January is your opportunity to enroll in one of these healthcare plans. Exact deadlines vary state by state, so be sure to double check the pertinent dates for your location. While we don’t yet know what the outcome will be of the fight to extend the Affordable Care Act tax subsidies, we do know it’s important to be educated and informed of your options, including what health plans are available via our partners. Take this quiz to determine which health plan is right for you and read on below to learn more about ea…

Freelancers across the country face a common challenge: figuring out how to structure their business to minimize taxes without triggering compliance headaches. No matter where you are working, staying on top of the local and state taxes you are responsible for is a critical part of the complex tax trade-offs that can come with forming and operating your freelance business as an entity like an S corporation (S-corp) or limited liability company (LLC). Now, under the new "Big Beautiful Bill" tax provisions, it is more important than ever to understand how you can optimize your tax strategy, taking into account all levels of tax: local, state and federal. Below is a breakdow…

If you’ve been following the news, you know that the government is in the middle of a shutdown. Our elected officials are locked in a stalemate, at the center of which is the extension of Affordable Care Act subsidies. What does the Affordable Care Act have to do with the shutdown?Through the Affordable Care Act, self-employed individuals are able to purchase health insurance through their state marketplace; the subsidies are what help keep these healthcare plans actually affordable. When The President signed the “One Big, Beautiful Bill” into law over the summer, it dramatically altered the way these plans are funded — and did not extend these subsidies, which are sent …

How to create dynamic and sustainable work world during times of changeAI disruption, federal layoffs, and constant economic shifts has many freelancers asking: How do I stay relevant and financially stable when everything keeps changing? The answer is building what I call a “Fluid Career” — staying versatile, connected, and ready to pivot. To make your career more fluid is to first see yourself as your own employer (you are the boss!) and to distribute your time investments across different contexts to diversify where you create value. Here are five practices that will help your freelance business become more adaptable to weather whatever comes next. Be ruthless with …

We talk a lot about how to make sure your clients pay you, fairly and on time. Sometimes, though, the people who are hiring you for your talent and services are not clients, companies, or businesses as we traditionally conceive of them — they’re your fellow freelancers. Whether it’s being hired by a photographer to style a shoot, writing for a friend’s blog, or even performing on a comedy show, it’s important to set expectations, communicate clearly, and follow through. Set clear expectations from the beginning No matter who you’re working for, in whichever capacity it is (and yes, performing counts as work) it’s important to know from the outset if it’s a paid opportunit…

This post was produced in collaboration with Hustle Culture, a free Substack newsletter by Olivia Rockeman centered around financial and creative guidance for working writers of all genres. Subscribe here. Last summer, when I quit my corporate journalism job to freelance full time, I thought I’d be lucky to earn enough in the first year to cover my rent. I left the corporate world for the autonomy and flexibility I hoped freelancing would provide, but I worried constantly about my financial prospects. The rates for freelance journalism projects are notoriously low, and I’d heard horror stories about writers being out of work for months at a time. In the months before I q…

If you’re like most freelancers, many of your best clients come from referrals, word of mouth, and your network. But this is a recipe for feast-and-famine months. Your network is finite. If something unexpected happens — like a client has to reduce your hours or end a contract early — you could have a dip in income without a warm pipeline of high-quality leads. If you’ve never done proactive marketing and lead generation before, you’re not alone. Freelancers and consultants often come to me after three, five, even ten successful years in business because their referrals dry up and they realize they never built a proactive marketing strategy. Believe me, I’ve heard it all.…

Whether you’re self-employed or employed and work in a tipped profession, there is a new opportunity to lower your federal income tax bill—thanks to the newly enacted 'One Big Beautiful Bill Act (OBBBA).' For the first time, qualifying freelancers can deduct up to $25,000 in tips from their taxable income starting in tax year 2025, but as of right now, this deduction only qualifies until 2028. But before you celebrate, let’s unpack what this means and how to make it work for you. What’s New Under 'OBBBA' The “No Tax on Tips” provision applies to federal income tax only. That means while you can deduct tips from your taxable income, they still count toward your self-employ…

Your office can be anywhere you choose to set up your laptop. Traditional employees may remain stuck in whatever city their employer chooses, but you have something invaluable: complete geographic freedom. Moving opens doors to lower living costs, fresh creative inspiration, and access to markets that might remain out of reach from your current spot. Whether you're seeking financial relief from rising local expenses, craving a change of scenery to spark new ideas, or hoping to position yourself closer to ideal clients, your next ZIP code could become your smartest business move. Writing, makeup artistry, photography, event coordination, and tour guide work represent just…

Next week, the Freelancers Union will mark a major milestone: We’re turning the big 3-0. Obviously, the world is much different than it was 30 years ago, and by extension, so is the business of freelancing. Freelancers are nimble by nature, and just as the last three decades have forced freelancers to navigate a constantly shifting media, tech, and economic landscape, the Freelancers Union, too, has grown and changed. In the spirit of navigating change and getting back up again, even after you’ve been knocked down, we asked freelancers to share some of the “mistakes” they’ve made over the course of their freelance careers. Our members kindly shared their stories, as seen …

The tax rules around how freelance income gets reported are changing again, thanks to the newly passed One Big Beautiful Bill (OBBBA). While the intent is to simplify paperwork and modernize outdated thresholds, the rollout has created plenty of confusion—especially around Form 1099-K and its shifting requirements. For many freelancers, 1099s come in fast and furious during tax season. Understanding these new changes is important so that your records are up to date and you are aware of the tax implications on your freelance income. Key 1099 Updates Under OBBBA The following is a breakdown of the key updates and how to stay compliant under the OBBB. Form 1099-MISC and 1…

Recently, I led a special workshop in partnership with Freelancers Union called RESET: Reconnect With Your Creative Self. It wasn’t about doing more. It wasn’t about productivity hacks. It was about honesty. Once the room felt safe enough to be real, something powerful happened: We named the kind of stuck that doesn’t budge. Not the “I need to plan better” kind—but the kind that makes you wonder: Why can’t I move forward?What am I even doing?Is it me—or is the world just too much right now?The RESET MomentSo we moved. We danced. We breathed. Not to perform—but to remember: Underneath all the noise, there’s still a pulse. A voice.A reason you began.RESET isn’t about fixing…

The Freelancers Union and Freelancers Hub are proud to once again present our Freelancers Hub art show, this time highlighting work focused on Cityscapes and Architecture. Join us for the Opening Reception on September 10 to celebrate the incredible work created by the members of our community. RSVP today. All events at the Freelancers Hub are made possible thanks to the support of NYC Mayors office of Media and Entertainment. Featured Artists Alex KorolkovasSee more of their art Bio: Alex Korolkovas was born and raised in São Paulo, Brazil, and considers himself an artist first, photographer second. Moving to Los Angeles in 1992, he refined his craft at the Art Center Co…

The One Big Beautiful Bill has introduced a series of tax reforms designed to simplify the filing process and provide targeted relief to key taxpayer demographics. One of the most notable changes is the significant increase in the standard deduction for seniors—those aged 65 and older. This adjustment has the potential to make a meaningful difference for retirees and older adults living on fixed incomes, offering a straightforward way to reduce taxable income without the need for the itemization of each deduction. Under previous tax law, seniors received a modest increase in their standard deduction compared to younger taxpayers. While helpful, the bump was relatively sma…