Freelancers, welcome to Episode 10 — the final episode of our Finances for Freelancers series. We’ve broken down the essentials every freelancer or solopreneur needs to feel confident with money — from budgeting and taxes to pensions and pricing.


Today, we’re wrapping up with a punchy roundup — each of our expert guests shares one final, powerful tip to help you stay on track with your finances.


Subscribe, share with a fellow freelancer, and listen now on Apple Podcasts, Spotify, or Podlink!


If you liked this episode, discover the full series [https://www.vestpod.com/freelancepod].


#ad Listen to PensionBee’s monthly podcast, The Pension Confident Podcast [https://podfollow.com/the-pension-confident-podcast] to better understand the world of personal finance and pensions: 


Connect with Emilie:

 * Sign up to The Edit newsletter [https://vestpod.com/subscribe]
 * Follow Vestpod on Instagram [https://www.instagram.com/vestpod/]
 * Enroll in our upcoming bootcamps [https://www.vestpod.com/courses]
 * Get Emilie’s book: You’re Not Broke, You’re Pre-Rich [https://uk.bookshop.org/p/books/you-re-not-broke-you-re-pre-rich-how-to-make-your-money-work-for-you-emilie-bellet/6190264]



#ad Thank you to our partner PensionBee [https://www.pensionbee.com/?utm_source=partners&utm_medium=podcast&utm_campaign=vestpod_q1_sponsorship_2025_shownotes]. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk.

Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Money Playbook for Freelancers

Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Beyond Freelancing: Investing, Scaling, and Building Wealth

In this episode, we’re tackling one of the biggest challenges freelancers face: managing cash flow when income is unpredictable. How do you stay afloat during a slow month? What’s the best way to deal with late payments? And how can you create a more stable income without burning out?


Joining Emilie Bellet is Lara Sheldrake—entrepreneur, community builder, and founder of Found & Flourish. Lara shares her personal strategies for staying financially steady in a freelance world: from tracking income and ghost spending, to diversifying revenue and planning for quieter months.


We talk about setting realistic income goals, structuring your week with a CEO day, and working with your energy—not against it.


For more resources, including links to Lara and Found & Flourish’s websites and social media, check out the episode page.  


If you found this helpful, make sure to listen to our next episode for more expert tips on managing your finances as a freelancer!  


If you liked this episode, discover the full series [https://www.vestpod.com/freelancepod].


Connect with Emilie:

 * Sign up to The Edit newsletter [https://vestpod.com/subscribe]
 * Follow Vestpod on Instagram [https://www.instagram.com/vestpod/]
 * Enroll in our upcoming bootcamps [https://www.vestpod.com/courses]
 * Get Emilie’s book: You’re Not Broke, You’re Pre-Rich [https://uk.bookshop.org/p/books/you-re-not-broke-you-re-pre-rich-how-to-make-your-money-work-for-you-emilie-bellet/6190264]



#ad Thank you to our partner PensionBee [https://www.pensionbee.com/?utm_source=partners&utm_medium=podcast&utm_campaign=vestpod_q1_sponsorship_2025_shownotes]. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk.

Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

How Do You Create Consistent Income?

Feeling overwhelmed by budgeting when your income isn’t consistent? In today’s episode of Finances for Freelancers, we’re looking at how to take control of your money—even when your earnings fluctuate.


Our guest is Emilie Nutley, a money coach and financial strategist (and qualified Financial Advisor!) who helps creatives and solopreneurs build sustainable money systems. She’s here to walk us through:


✅ How to budget when your income varies

✅ Planning for big, irregular expenses like tax bills

✅ Simple financial systems to stay organised and confident

✅ Mindset shifts to help you feel less anxious and more empowered about money


For more resources, including links to Emilie’s website and social media, check out the episode page.  


If you found this helpful, make sure to listen to our next episode for more expert tips on managing your finances as a freelancer!  


If you liked this episode, discover the full series [https://www.vestpod.com/freelancepod].


#ad Listen to PensionBee’s monthly podcast, The Pension Confident Podcast [https://podfollow.com/the-pension-confident-podcast] to better understand the world of personal finance and pensions: 


Connect with Emilie:

 * Sign up to The Edit newsletter [https://vestpod.com/subscribe]
 * Follow Vestpod on Instagram [https://www.instagram.com/vestpod/]
 * Enroll in our upcoming bootcamps [https://www.vestpod.com/courses]
 * Get Emilie’s book: You’re Not Broke, You’re Pre-Rich [https://uk.bookshop.org/p/books/you-re-not-broke-you-re-pre-rich-how-to-make-your-money-work-for-you-emilie-bellet/6190264]



#ad Thank you to our partner PensionBee [https://www.pensionbee.com/?utm_source=partners&utm_medium=podcast&utm_campaign=vestpod_q1_sponsorship_2025_shownotes]. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk.

Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Budget with a Fluctuating Income as a Freelancer

In this episode, we’re tackling a topic that freelancers often put on the back burner: pensions. How do you start saving for retirement when you don’t have a traditional workplace pension? How can you make the most of tax relief? And what are the best strategies for long-term financial security?


Joining Emilie Bellet is Lisa Picardo, Chief Business Officer UK at PensionBee. Lisa is here to break down why pensions matter for freelancers, how to set one up, and what you can do today to secure your financial future.


For more resources, including links to Janet Knapton’s website and social media, check out the episode page [LINK].  


If you found this helpful, make sure to listen to our next episode for more expert tips on managing your finances as a freelancer!  


If you liked this episode, discover the full series [https://vestpod.com/finances-freelancers-series].


#ad Listen to PensionBee’s monthly podcast, The Pension Confident Podcast [https://podfollow.com/the-pension-confident-podcast] to better understand the world of personal finance and pensions: 


Connect with Emilie:

 * Sign up to The Edit newsletter [https://vestpod.com/subscribe]
 * Follow Vestpod on Instagram [https://www.instagram.com/vestpod/]
 * Enroll in our upcoming bootcamps [https://www.vestpod.com/courses]
 * Get Emilie’s book: You’re Not Broke, You’re Pre-Rich [https://uk.bookshop.org/p/books/you-re-not-broke-you-re-pre-rich-how-to-make-your-money-work-for-you-emilie-bellet/6190264]



#ad Thank you to our partner PensionBee [https://www.pensionbee.com/?utm_source=partners&utm_medium=podcast&utm_campaign=vestpod_q1_sponsorship_2025_shownotes]. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk.


Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Freelancer Pensions 101

Struggling with pricing and negotiation as a freelancer? You’re not alone. Setting your rates and asking for what you deserve can feel daunting—but it doesn’t have to be.


Hosted by Emilie Bellet, The Wallet by Vestpod features sales expert Sara Dalrymple, who shares how to price with confidence, charge based on value, and navigate pricing conversations with ease.


We discuss why freelancers undervalue their work, how to set rates without undercharging, and the power of community in growing your business. Sara breaks down the difference between pricing for time versus value and how to handle client negotiations.


Whether you're starting out or refining your pricing, this conversation will help you get paid what you’re worth.


For more resources, including links to Sara Dalrymple’s website and Instagram, check out the episode page.


Subscribe, share with a fellow freelancer, and listen now on Apple Podcasts, Spotify, or Podlink!


If you liked this episode, discover the full series [https://vestpod.com/finances-freelancers-series].


#ad Listen to PensionBee’s monthly podcast, The Pension Confident Podcast [https://podfollow.com/the-pension-confident-podcast] to better understand the world of personal finance and pensions: 


Connect with Emilie:

 * Sign up to The Edit newsletter [https://vestpod.com/subscribe]
 * Follow Vestpod on Instagram [https://www.instagram.com/vestpod/]
 * Enroll in our upcoming bootcamps [https://www.vestpod.com/courses]
 * Get Emilie’s book: You’re Not Broke, You’re Pre-Rich [https://uk.bookshop.org/p/books/you-re-not-broke-you-re-pre-rich-how-to-make-your-money-work-for-you-emilie-bellet/6190264]



#ad Thank you to our partner PensionBee [https://www.pensionbee.com/?utm_source=partners&utm_medium=podcast&utm_campaign=vestpod_q1_sponsorship_2025_shownotes]. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk.


Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Get Paid What You’re Worth as a Freelancer

In this episode, we’re diving into a topic that many freelancers find overwhelming: taxes. How do you stay compliant, maximise your deductions, and avoid costly mistakes? 


Joining Emilie Bellet is Emma Hardwick, Chartered Certified Accountant. With years of experience supporting freelancers and business owners, Emma is here to demystify tax and share practical tips to help you navigate self-assessments, VAT, expenses, and everything in between.


If you found this helpful, make sure to listen to our next episode for more expert tips on managing your finances as a freelancer!  


If you liked this episode, discover the full series [https://vestpod.com/finances-freelancers-series].


#ad Listen to PensionBee’s monthly podcast, The Pension Confident Podcast [https://podfollow.com/the-pension-confident-podcast] to better understand the world of personal finance and pensions: 


Connect with Emilie:

 * Sign up to The Edit newsletter [https://vestpod.com/subscribe]
 * Follow Vestpod on Instagram [https://www.instagram.com/vestpod/]
 * Enroll in our upcoming bootcamps [https://www.vestpod.com/courses]
 * Get Emilie’s book: You’re Not Broke, You’re Pre-Rich [https://uk.bookshop.org/p/books/you-re-not-broke-you-re-pre-rich-how-to-make-your-money-work-for-you-emilie-bellet/6190264]



#ad Thank you to our partner PensionBee [https://www.pensionbee.com/?utm_source=partners&utm_medium=podcast&utm_campaign=vestpod_q1_sponsorship_2025_shownotes]. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk.


Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Taxes Demystified: What Every Freelancer Needs to Know

Feeling uncertain about protecting your finances as a freelancer? In today’s episode, we’re diving into risk management—a crucial but often overlooked part of financial planning for self-employed professionals.


From income protection and business insurance to emergency funds, having the right safeguards in place can make all the difference when life throws the unexpected at you.


I’m joined by Zoe Brett, a financial planner at EQ Investors, who will break down:

✅ The key types of insurance freelancers should consider

✅ How to balance costs with the right level of protection

✅ Practical ways to build an emergency fund—even when your income fluctuates


For more resources, including links to Janet Knapton’s website and social media, check out the episode page [LINK].  


If you found this helpful, make sure to listen to our next episode for more expert tips on managing your finances as a freelancer!  


If you liked this episode, discover the full series [https://vestpod.com/finances-freelancers-series].


#ad Listen to PensionBee’s monthly podcast, The Pension Confident Podcast [https://podfollow.com/the-pension-confident-podcast] to better understand the world of personal finance and pensions: 


Connect with Emilie:

 * Sign up to The Edit newsletter [https://vestpod.com/subscribe]
 * Follow Vestpod on Instagram [https://www.instagram.com/vestpod/]
 * Enroll in our upcoming bootcamps [https://www.vestpod.com/courses]
 * Get Emilie’s book: You’re Not Broke, You’re Pre-Rich [https://uk.bookshop.org/p/books/you-re-not-broke-you-re-pre-rich-how-to-make-your-money-work-for-you-emilie-bellet/6190264]



#ad Thank you to our partner PensionBee [https://www.pensionbee.com/?utm_source=partners&utm_medium=podcast&utm_campaign=vestpod_q1_sponsorship_2025_shownotes]. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk.


Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Risk Management: Protection & Insurance for Freelancers

Today, we’re tackling a topic that’s essential but often overwhelming: freelance contracts. Contracts can feel like a maze, but they’re crucial for protecting your work, setting clear expectations, and getting paid.


Joining me is Lucy Wheeler, a lawyer specialising in helping freelancers and small business owners navigate legal essentials. We’ll cover must-have clauses, when to consult a lawyer, how to protect your intellectual property, and what to do if a client doesn’t pay.


For more resources, including links to Lucy’s website and social media, check out the episode page [LINK].  


If you found this helpful, make sure to listen to our next episode for more expert tips on managing your finances as a freelancer!  


If you liked this episode, discover the full series [https://vestpod.com/finances-freelancers-series].


#ad Listen to PensionBee’s monthly podcast, The Pension Confident Podcast [https://podfollow.com/the-pension-confident-podcast] to better understand the world of personal finance and pensions: 


Connect with Emilie:

 * Sign up to The Edit newsletter [https://vestpod.com/subscribe]
 * Follow Vestpod on Instagram [https://www.instagram.com/vestpod/]
 * Enroll in our upcoming bootcamps [https://www.vestpod.com/courses]
 * Get Emilie’s book: You’re Not Broke, You’re Pre-Rich [https://uk.bookshop.org/p/books/you-re-not-broke-you-re-pre-rich-how-to-make-your-money-work-for-you-emilie-bellet/6190264]



#ad Thank you to our partner PensionBee [https://www.pensionbee.com/?utm_source=partners&utm_medium=podcast&utm_campaign=vestpod_q1_sponsorship_2025_shownotes]. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk.


Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Freelance Fine Print: Legal Tips to Protect Your Business

Feeling uncertain about your business setup? In today’s episode, we’re tackling one of the biggest decisions for freelancers in the UK—should you be a sole trader or set up a limited company?  


I’m joined by Janet Knapton, a Chartered Accountant and expert in helping freelancers make smart, tax-efficient decisions. Janet breaks down the pros and cons of both structures, helping you decide which one is right for you and your business.  


You’ll get clear, simple, and actionable steps to make this crucial decision, and tips on staying tax-efficient while focusing on what matters most: growing your business.  


For more resources, including links to Janet Knapton’s website and social media, check out the episode page [LINK].  


If you found this helpful, make sure to listen to our next episode for more expert tips on managing your finances as a freelancer!  


If you liked this episode, discover the full series [https://vestpod.com/finances-freelancers-series].


#ad Listen to PensionBee’s monthly podcast, The Pension Confident Podcast [https://podfollow.com/the-pension-confident-podcast] to better understand the world of personal finance and pensions: 


Connect with Emilie:

 * Sign up to The Edit newsletter [https://vestpod.com/subscribe]
 * Follow Vestpod on Instagram [https://www.instagram.com/vestpod/]
 * Enroll in our upcoming bootcamps [https://www.vestpod.com/courses]
 * Get Emilie’s book: You’re Not Broke, You’re Pre-Rich [https://uk.bookshop.org/p/books/you-re-not-broke-you-re-pre-rich-how-to-make-your-money-work-for-you-emilie-bellet/6190264]



#ad Thank you to our partner PensionBee [https://www.pensionbee.com/?utm_source=partners&utm_medium=podcast&utm_campaign=vestpod_q1_sponsorship_2025_shownotes]. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.


Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Sole Trader vs. Limited Company: Choosing the Right Setup

Hello, I am Emilie Bellet, founder of Vestpod [https://www.vestpod.com/], a
digital platform and thriving community that financially empowers women. I’m
also the author of the Amazon bestselling book You’re Not Broke, You’re
Pre-Rich.
Each week, I’ll be having an honest money conversation with a range of amazing
guests from all walks of life - employees, freelancers, entrepreneurs and
financial experts.  
We want you to get talking about money and be inspired by your financial
capabilities. Whether you’re a finance newbie struggling with your overdraft and
credit card debt or the wolf of Wall Street — this podcast is for you. 
It’s going to be practical, fun and most certainly not formal financial advice.

See acast.com/privacy [https://acast.com/privacy] for privacy and opt-out
information.

Emilie Bellet

Shows