I use gnuCash and do full double entry accounting of all my expenses. I enter all items going to the end of the next year to give me projections. Have data going back to start of 2018.
Using the charts and reports to really optimize every last penny has been a huge boon to my financial well being. Makes planning for large expenses quite a bit easier.
I just wrote and published my first children’s book. So fun - and learned a lot in the process!
It’s called The Adventure of Carry Kindness.
Super short description: An act of kindness can change everything for anyone. Follow the story of Carry Kindness as she travels to make the world a kinder place.
If you pick up a copy, I‘d love your feedback! Also, the ebook will be available on Amazon in 72 hours. :)
Disclaimer: I own the trademark to Carry Kindness and her image is copyright 2017.
[Free] tool for organizing ideas and facilitating study
https://play.google.com/store/apps/details?id=com.studentsnotes.snotes
Actually it’s not because you are an independent contractor. If your modified adjusted gross income is less than$140,000 fir 2021, or $208,00 for same yr( it’s lower fir 2020) the amount you put in a traditional IRA could be put in a ROTH instead, or a combination of the 2. [IRA income limits]
I would recommend reading some financial books or clicking around online/podcasts. The two I really identify with are YNAB and Dave Ramsey. For someone who is debt free you're wayyyy ahead of a lot of us. Maybe start a Wish Farm? ( https://www.youneedabudget.com/wish-lists/)