Not exactly "free-lance" but I am a coder and personally I just keep it to myself there is no reason for anyone else to know really makes no difference to them, I guess if you are making like 30k a year or its replacing a full-time job maybe.
Find it a little odd you only just got a bank , however I live by this simple rule (of course) income is a big factor
Assuming you live at home still ?
Pay rent for a few months in advance (if you have the funds)
Anytime you get paid or have "money" simply cover all of your "needed" costs...
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