Sharing tips to create an efficient workflow for handling multiple clients while managing debt

Just wrapped up a month with five clients and a looming credit card bill. Feeling the squeeze of juggling projects and finances. Anyone else been there?

Thinking about creating a system to keep everything straight - both work and money. Maybe a combo of project management tools and budgeting apps? Curious what’s worked for others in similar boats.

Spreadsheets work for me. I track jobs and money in one place. Keep it simple. Don’t overthink it. Just stay on top of invoices and you’ll be fine.

Been juggling multiple clients for years now. Here’s what works for me:

  1. Use a basic project management tool. Trello or Asana are good.
  2. Set up a separate bank account for work stuff.
  3. Use accounting software to track income and expenses.

For debt, I started putting aside a chunk of each payment:

  • 30% for taxes
  • 20% for debt payoff
  • Rest for operating expenses and pay

It’s not perfect, but it helps keep things under control.

Remember to invoice promptly and follow up on late payments. Cash flow is key when you’re solo.

Don’t forget to build in some downtime between projects. It’ll keep you sane and give you room to handle unexpected stuff.

I’ve been there. My system: spreadsheet for tracking jobs and payments, calendar for deadlines.

For money, I set aside a percentage of each payment for taxes and bills. Helps avoid surprises.

Keep it simple. Fancy tools are nice, but good habits matter more. Stay on top of invoicing and follow up on late payments right away.

Been in that boat, for sure. My lifesaver was setting up a separate business checking account. All client payments go there, and I transfer a set amount to my personal account each month like a salary.

For projects, I use Trello. Free, simple, and keeps everything in one place. Each client gets a board, and I can see all my tasks at a glance.

The game-changer was automating invoices. I use Wave (it’s free) and set up recurring invoices for regular clients. Saves time and helps cash flow.

Remember to build in some buffer time between projects. Helps with unexpected stuff and keeps you sane. And don’t be afraid to raise your rates if you’re consistently swamped!