(It’s the one-year anniversary of this newsletter this week. Nice. Thank you for reading and sharing.)

In the last two weeks, I’ve had a couple of money hiccups. What I thought was a leak in the U-bend under my kitchen sink (cheapish fix) turned out to be the 30-year-old tap deciding it was done and it retired itself. So now I have to replace the tap and when did taps become so expensive? 

The second is that I didn’t get paid on the day when I thought I was going to get paid. I’m currently doing a contract and get paid every two weeks, on a Friday. So on the Friday of the Labour Day weekend, I was surprised and annoyed to not see my paycheque. 

It was very annoying especially since my mortgage payment was coming out the same day I was getting paid. I have money that I can use to bridge between my paycheque and bills but it’s really frustrating as a freelancer when you don’t get paid on time by agencies and clients. That’s pretty much why I’ve had to figure out cash flow management so I can pay my bills.