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<title>Articles — Free Freelancer Tools</title>
<description>Practical, no-fluff articles for freelancers and solo operators: getting paid, taxes, pricing.</description>
<link>blog/</link>
<item>
<title>1099 Taxes Explained for First-Time Freelancers</title>
<link>blog/1099-taxes-explained-for-first-time-freelancers.html</link>
<guid>blog/1099-taxes-explained-for-first-time-freelancers.html</guid>
<description>It's not a tax bill — it's a receipt the government also gets a copy of.</description>
<pubDate>2026-10-09</pubDate>
</item>
<item>
<title>What California's SB 988 is actually worth when a client won't pay — up to double damages, explained</title>
<link>blog/ca-sb-988-up-to-double-damages-explained.html</link>
<guid>blog/ca-sb-988-up-to-double-damages-explained.html</guid>
<description>A $2,000 unpaid invoice becomes up to $4,000</description>
<pubDate>2026-10-09</pubDate>
</item>
<item>
<title>Can Freelancers Deduct the Home Office?</title>
<link>blog/can-freelancers-deduct-the-home-office.html</link>
<guid>blog/can-freelancers-deduct-the-home-office.html</guid>
<description>Measure the room, multiply by five, done.</description>
<pubDate>2026-10-09</pubDate>
</item>
<item>
<title>How to Charge Late Fees on Overdue Invoices (and Actually Collect Them)</title>
<link>blog/how-to-charge-late-fees.html</link>
<guid>blog/how-to-charge-late-fees.html</guid>
<description>A late fee printed on the invoice is a policy.</description>
<pubDate>2026-10-09</pubDate>
</item>
<item>
<title>How to Write an Invoice That Gets Paid</title>
<link>blog/how-to-write-an-invoice-that-gets-paid.html</link>
<guid>blog/how-to-write-an-invoice-that-gets-paid.html</guid>
<description>Vague payment terms produce vague payment timing.</description>
<pubDate>2026-10-09</pubDate>
</item>
<item>
<title>LLC vs Sole Proprietorship for Freelancers: The 2026 Tax Math</title>
<link>blog/llc-vs-sole-proprietorship-2026-tax-math.html</link>
<guid>blog/llc-vs-sole-proprietorship-2026-tax-math.html</guid>
<description>There is no LLC deduction, no LLC credit, no "LLC tax bracket."</description>
<pubDate>2026-10-09</pubDate>
</item>
<item>
<title>What New York's Freelance Isn't Free Act Is Actually Worth — Double Damages Explained</title>
<link>blog/ny-freelance-isnt-free-act-double-damages-explained.html</link>
<guid>blog/ny-freelance-isnt-free-act-double-damages-explained.html</guid>
<description>A $3,000 unpaid invoice becomes $6,000</description>
<pubDate>2026-10-09</pubDate>
</item>
<item>
<title>Quarterly Taxes for Freelancers: What You Owe and When</title>
<link>blog/quarterly-taxes-for-freelancers.html</link>
<guid>blog/quarterly-taxes-for-freelancers.html</guid>
<description>Estimated taxes are due roughly mid-April, mid-June, mid-September, and mid-January — the IRS collects as you earn, four times a year.</description>
<pubDate>2026-10-09</pubDate>
</item>
<item>
<title>Self-Employment Tax Explained: The 15.3% Nobody Warns You About</title>
<link>blog/self-employment-tax-explained.html</link>
<guid>blog/self-employment-tax-explained.html</guid>
<description>An $80,000 year costs you $11,304 before income tax even enters the room</description>
<pubDate>2026-10-09</pubDate>
</item>
<item>
<title>What can freelancers deduct on Schedule C?</title>
<link>blog/what-can-freelancers-deduct-schedule-c.html</link>
<guid>blog/what-can-freelancers-deduct-schedule-c.html</guid>
<description>Every ordinary and necessary business expense, from the 2026 mileage rates to the $5,000 startup-cost deduction, lands somewhere on Schedule C</description>
<pubDate>2026-10-09</pubDate>
</item>
<item>
<title>What late fees can landlords actually charge? (10-state table)</title>
<link>blog/what-late-fees-can-landlords-charge.html</link>
<guid>blog/what-late-fees-can-landlords-charge.html</guid>
<description>Only three of the ten biggest landlord states have hard late-fee caps — and four of the "facts" circulating online are wrong</description>
<pubDate>2026-10-09</pubDate>
</item>
<item>
<title>What Mileage Can Freelancers Deduct?</title>
<link>blog/what-mileage-can-freelancers-deduct.html</link>
<guid>blog/what-mileage-can-freelancers-deduct.html</guid>
<description>A mile is a business mile when the trip's purpose is business and the trip isn't commuting.</description>
<pubDate>2026-10-09</pubDate>
</item>
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