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A Little Bit Richer

A Little Bit Richer

Financial Survival Tips for The Self-Employed

Jan 29, 2026 · 19 min · 15 segments

Being self-employed can be incredibly freeing but financially, it can also feel like a rollercoaster. In this episode of A Little Bit Richer, our host Iona Bain is joined by accountant and behavioural…

Being self-employed can be incredibly freeing but financially, it can also feel like a rollercoaster. In this episode of A Little Bit Richer, our host Iona Bain is joined by accountant and behavioural expert Krystal McGilvery to discuss ways to manage money when your income isn’t guaranteed. From cash-flow anxiety and chasing invoices to saving for retirement without an employer pension, Krystal shares practical, no-nonsense tips to help you feel more in control of your finances. Together, they explore how to smooth out irregular income, build a financial buffer and plan for the long te...

Being self-employed can be incredibly freeing but financially, it can also feel like a rollercoaster. In this episode of A Little Bit Richer, our host Iona Bain is joined by accountant and behavioural…

Speakers: Crystal McGilveryGuestIona BainHost

Show signals: SuitabilitySafeBiasNot politicalPopularityTop Podcasttop 1%Audience≈12k followers

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Core Challenge: Unpredictable Income1:00 – 1:37

C

Crystal McGilveryGuest

1:00

Hi.

C

Crystal McGilveryGuest

1:00

I'm so glad to be here.

I

1:02

Can you set the scene for us and describe the kinds of challenges that the self-employed can face?

C

Crystal McGilveryGuest

1:07

Yeah.

C

Crystal McGilveryGuest

1:08

Self-employment is such a fun thing to do, but income is so unpredictable.

I

1:12

Mm.

C

Crystal McGilveryGuest

1:13

The challenge that a lot of self-employed people face is not having that stable income like you do when you are employed.

C

Crystal McGilveryGuest

1:18

You know, you have your salary.

C

Crystal McGilveryGuest

1:19

It's paid every month at the same time, guaranteed.

C

Crystal McGilveryGuest

1:22

But when you're working for yourself, you're often chasing clients.

C

Crystal McGilveryGuest

1:26

You know, you're dealing with payment terms.

C

Crystal McGilveryGuest

1:28

You're having to look at your bank account and think about costs.

C

Crystal McGilveryGuest

1:30

So there's quite a few things to manage in making sure that that business runs and functions nice and smoothly.

C

Crystal McGilveryGuest

1:37

Yeah, it's a job.

InvestmentsFinance
Personal FinanceFinance
Society
Work-Life BalanceSociety
Financial ManagementBusiness > Self-Employment
Self-EmploymentBusiness
Retirement PlanningFinance > Investments
Mental HealthSociety > Work-Life Balance
Pension ContributionsFinance > Investments > Retirement Planning
Income ManagementFinance > Personal Finance
Income StabilityBusiness > Self-Employment > Financial Management
Budgeting TechniquesBusiness > Self-Employment > Financial Management > Income Stability
Cash Flow ManagementFinance > Personal Finance > Income Management
Budgeting StrategiesFinance > Personal Finance > Income Management > Cash Flow Management
Challenges of Self-EmploymentBusiness > Entrepreneurship
Client ManagementBusiness > Entrepreneurship > Challenges of Self-Employment
Invoice ManagementBusiness > Entrepreneurship > Challenges of Self-Employment > Client Management
Tax BenefitsFinance > Investments > Retirement Planning > Pension Contributions
Self-WorthSociety > Work-Life Balance > Mental Health
Freelancing ChallengesSociety > Work-Life Balance > Mental Health > Self-Worth
Business
Finance
EntrepreneurshipBusiness

Core Challenge: Unpredictable Income1:00 – 1:37

C

Crystal McGilveryGuest

1:00

Hi.

C

Crystal McGilveryGuest

1:00

I'm so glad to be here.

I

1:02

Can you set the scene for us and describe the kinds of challenges that the self-employed can face?

C

Crystal McGilveryGuest

1:07

Yeah.

C

Crystal McGilveryGuest

1:08

Self-employment is such a fun thing to do, but income is so unpredictable.

I

1:12

Mm.

C

Crystal McGilveryGuest

1:13

The challenge that a lot of self-employed people face is not having that stable income like you do when you are employed.

C

Crystal McGilveryGuest

1:18

You know, you have your salary.

C

Crystal McGilveryGuest

1:19

It's paid every month at the same time, guaranteed.

C

Crystal McGilveryGuest

1:22

But when you're working for yourself, you're often chasing clients.

C

Crystal McGilveryGuest

1:26

You know, you're dealing with payment terms.

C

Crystal McGilveryGuest

1:28

You're having to look at your bank account and think about costs.

C

Crystal McGilveryGuest

1:30

So there's quite a few things to manage in making sure that that business runs and functions nice and smoothly.

C

Crystal McGilveryGuest

1:37

Yeah, it's a job.

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