Joseph Muscente

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How to Improve Your Credit When Business Income Fluctuates

If you’re self-employed with fluctuating income, you aren’t alone. One 2022 survey conducted by the talent platform Wripple found that 73% of freelancers identified inconsistent income as one of their…
One Account or Many? The Best Way to Manage Your Business Finances

One Account or Many? The Best Way to Manage Your Business Finances

If you’re a freelancer, entrepreneur or small business owner, you may already have a business bank account. It’s often the first step in separating business transactions from your personal finances.…

Mastering Cash Flow: How to Build a Calendar That Keeps Your Freelance Finances on Track

Being self-employed has many perks, from being able to control the work you take on to setting your own hours. In fact, 65% of self-employed Americans find their work enjoyable…

Building Wealth as a Self-Employed Individual: Strategies Beyond Your Business

When you work for yourself, it’s easy for work to feel like, well, your whole self. Or at least your whole financial life. Chances are you took big risks to…

Top Mistakes to Avoid When Growing Your Small Business

When you’re an entrepreneur, your business is more than just how you make a living. It’s an extension of your humanity: an idea unique to you and a way of…

Navigating Health Insurance and Benefits for the Self-Employed

If self-employment promises one thing above all, it’s freedom: freedom to decide what your work is, who you work with and when and where that work takes place.  While it’s…

Setting Financial Goals and Milestones for Self-Employment Success

Taking the leap into self-employment can be scary, but it can also change lives for the better. Many self-employed people talk about how their job offers them a sense of…

Transitioning from Employment to Self-Employment: Financial Tips and Considerations

Autonomy, flexible hours and the ability to earn more without jumping through hoops: Given these perks, it’s no surprise that over 9 million Americans have chosen to start their own…

4 Ethical Practices to Help Build Your Small Business

The first order of business — for most businesses, anyway — is making money. That’s not news. But these days, with a plethora of options on the market, many customers…

Maximizing Holiday Cheer: Effective Holiday Marketing Strategies for Small Businesses on a Budget

The holiday season can be a critical time for small businesses. In fact, small business owners recently surveyed by QuickBooks said they expect to bring in 33% of their yearly…