zero-based budgeting
Experts Reveal: 88% Of Freelancers Flounder in Personal Finance
Yes, 88% of freelancers flounder in personal finance, according to recent surveys, because irregular income and a lack of disciplined budgeting leave them vulnerable to cash-flow crises. 12 budgeting apps made CNBC’s Best Budgeting Apps of 2026 list, showing that even experts recognize the need for digital solutions (CNBC)