Freelance Finance
- Bank Rate Rise? What 5 November Means for UK Freelancers
Bank Rate is 3.75% and the Bank of England decides on 5 November 2026. What a rise to 4% would mean for your mortgage, savings and late-payment interest.
- Your Rights When a UK Client Pays Late: Statutory Interest, Fees, and the 2026 Reform
A plain-English guide to UK late payment rights for freelancers: statutory interest at 8% over base rate, £40–£100 compensation, and the 2026 reform.
- Invoice Payment Terms: A UK Freelancer's Guide
How to write invoice payment terms as a UK freelancer: 14 vs 30 days compared, the exact late-payment wording to use, and how the 2026 Bill changes your terms.
- Late Payment Interest Calculator: A UK Freelancer's Guide
How to use our statutory late payment interest calculator: three worked examples (£900, £4,200, £12,000), the 11.75% rate explained, and copy-paste email lines.
- Payment Reminder Email Templates for Freelancers: The Exact Sequence That Gets You Paid
Three original payment reminder email templates for freelancers — a gentle day-1 nudge, a firm day-14 follow-up, and a final day-30 notice — plus the timing schedule and tone rules.
- How to Chase Late Payments Without Losing the Client: A Freelancer's Escalation Playbook
A day-by-day escalation ladder for freelancers chasing late payments: when to nudge, when to cite your rights, when to pause work, and when to go to court.
- Freelancer Invoice Template (UK): Every Field Your Invoice Must Have
Every field a UK freelancer's invoice needs: the GOV.UK-required checklist plus the payment-terms fields that stop late payments before they start.