10/10/2026
When you work for tips, how do you know your paycheck is right?
Your paycheck isn't itemized by shift. It's one lump sum. Here's what's supposed to be in it and how to check it against your own shifts.
10/10/2026
Your paycheck isn't itemized by shift. It's one lump sum. Here's what's supposed to be in it and how to check it against your own shifts.
10/9/2026
Only if they get reported. The cash you take home at the end of the night and never report doesn't count toward the new federal tip deduction.
1/28/2025
Tipping rates hit a 6-year low, with only 38% tipping 20%+ in 2024. This post explores reasons behind the decline, emphasizes the importance of tip tracking for service workers, and introduces Balance app's features to help manage fluctuating incomes.
1/21/2025
Credit scores, a silent financial menace, disproportionately harm variable income workers. This post exposes the flaws in the credit system, its role in perpetuating inequality, and offers strategies for those with unpredictable incomes to navigate this rigged game.
1/15/2025
Mastering finances with irregular income? This post offers key strategies for on-demand workers: flexible budgeting, emergency funds, tax planning, and more. Learn to leverage financial tools and diversify income streams for stability. Turn gig work flexibility into financial success.
1/2/2025
Calling all tipped hospitality workers -- not tracking your tips? Big mistake. HUGE. Discover why mastering this simple habit is more important than ever for your financial well-being. You're in charge of your own fun. And while money might not ultimately buy happiness, it sure can buy some fun and peace of mind.
12/21/2024
Tired of endless digital tip prompts? Explore how software has turned tipping into a frustrating "digital panhandling" game, hurting service workers and exhausting consumers. Dive into the hidden profit motives, tipping fatigue, and a bartender's guide to navigating this chaotic new norm.
12/13/2024
The journey of a tip from a customer's hand to a server's pocket is more complex than it might initially appear.
2/6/2024
Tipping is an integral part of our history, wage policies, and culture. It's important to understand the complexities of the system, considering that numerous people rely on it for their livelihoods.
2/14/2023
Today's options for determining credit worthiness are not great for the independent worker (#gigworker). We can do better. And it starts with their cash flow.
1/25/2023
Tools today still miss the point for the independent worker. This whiteboard doesn't lie.
12/20/2022
We started with a cash flow calculator on a calendar because it's simple, effective, and familiar for the independent worker. It's our Alpha Baby 👶 and we're stoked to share it with all of you.
11/16/2022
If you're an independent worker, budgeting is only half the equation. Cash flow forecasting is your missing link to building wealth. Good news is -- you already do it.
10/21/2022
I started Balance for the independents. To help people like me look forward to managing our money and our happiness. And build wealth on our terms.