{"product_id":"zero-based-budgeting-for-freelancers-gig-workers","title":"Zero-Based Budgeting for Freelancers \u0026 Gig Workers","description":"\u003cp\u003eA worksheet-driven zero-based budgeting system built specifically for variable income — the 70+ million Americans (freelancers, Uber drivers, Fiverr designers, independent contractors) for whom standard budgeting advice simply does not apply. Covers floor income calculation, a four- tier priority budget template, an instant 25–30% tax reserve setup, quarterly estimated tax deadlines, buffer fund strategy, sinking funds for irregular expenses, a surplus allocation hierarchy, and retirement options for the self-employed. Includes six fillable worksheet templates.\u003c\/p\u003e","brand":"pdfly.shop","offers":[{"title":"Default Title","offer_id":57795245801736,"sku":null,"price":2.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1039\/7673\/0888\/files\/zbb-freelancers-cover.png?v=1778380045","url":"https:\/\/pdfly.shop\/products\/zero-based-budgeting-for-freelancers-gig-workers","provider":"pdfly.shop","version":"1.0","type":"link"}