Creative freelancer checklist

Register for Self Assessment

By 5 October in your second tax year.

Open a business bank account

Keep client payments separate from personal spending.

Use written contracts

Cover scope, payment terms, revisions, and IP ownership.

Issue numbered invoices

With payment terms, bank details, and a clear description.

Get professional indemnity insurance

Required by most agencies and corporate clients.

Track software and equipment expenses

Subscriptions, hardware, and home-office costs.

Review IR35 status

Ensure you work for multiple clients with genuine independence.

Save 30% of each invoice

Cover income tax and Class 4 National Insurance.