- I try very, very hard not to think about it.
- As long as I know something is coming in, I can easily focus on my own projects and not worry about going broke. In my experience, worrying leads to low productivity and insomnia.
- I don't spend according to my income. I binge shop on Amazon sometimes, but I don't spend more just because I make more, which means there's usually money for low income periods. And those come frequently.
- I have a very simple filing system consisting of two drawers. Drawer 1 is for stuff that's tax deductable. I add it all up twice a year. Drawer 2 is for receipts I can't argue has anything to do with my business. I hardly ever take anything out of that drawer but if my toaster breaks down, I know where the receipt is.
- I try to keep a couple of months worth of income as a buffer. I don't have a budget, I just try not to spend extravagantly.
- I have no spreadsheet or excel skills. I do my accounts on a printed-out form and use a calculator. Totally old school. I print my invoices so I have it all on paper when it's time to add and subtract.
Yet I have been making a living as a freelance artist since 1998.
I can't tell you if you have what it takes to go freelance. A lot of skills and a lot of luck is needed. But accounting? Hey, if this numbnut can do it...