Budgeting that fits the way creative work actually pays.
Freelance income arrives in waves. We help designers, writers, musicians and makers in Seoul build a budget that survives the dry months and uses the good ones on purpose.
Three budget myths that quietly break creative careers
Most advice for freelancers is written for steady paychecks. Here is what we replace it with during a first session.
“Just average your yearly income into twelve equal months.”
Averaging hides the months where a single invoice funds the next quarter. We build a rolling cash buffer tied to your actual project calendar instead, so a delayed payment in March does not eat your April rent.
“Skip the retirement account until you earn more.”
Irregular years are exactly when tax-advantaged contributions matter most. We map a yearly target, not a monthly one.
“Track every coffee.”
Line-item policing burns out fast. We set three numbers that matter — housing, tax reserve, project buffer — and let the rest breathe.
A budget is not a punishment for spending. It is the order that lets creative work keep happening when the work pauses.
For people whose income is shaped like a project, not a paycheck
If your money arrives in lumps — a commission, a gig fee, a royalty statement, a client invoice that finally clears — the standard advice falls apart. A first session maps your real income pattern over the past twelve months and rebuilds a budget around it.
You leave with three numbers you can defend: a housing ceiling, a tax reserve rate, and a project buffer. Everything else is honest discretion.
A one-page plan you can actually read in a minute
After a consultation you receive a single page: your income pattern, your three numbers, the accounts they live in, and the next decision to make. No spreadsheet gymnastics, no app you have to learn.
Before you book
Do I need to be earning a lot already?
No. The plan is more useful early, when the income pattern is still forming. We have worked with people in their first year of full-time freelance and people fifteen years in.
Is this investment advice?
No. A session covers your budget, cash flow, tax set-aside, and financial organization. We do not recommend specific securities or manage assets. For licensed investment advice we refer you out.
What does a session cost?
A first consultation is KRW 150,000 for a 60-minute session, held online or at our Guro-gu office. Follow-up sessions are billed at the same rate. We settle the exact amount when you book; commercial terms are proposed and pending business confirmation.
Will you sell me a product?
No. We are not tied to any bank, insurer or fund. The session fee is the only compensation we take. That is the whole point.
Book a session
Tell us a little about your work and your income pattern. We reply within two business days.