Business and freelancers
Getting paid in a foreign currency as a freelancer
Three ways to collect a foreign-currency invoice, what each one quietly takes, and the invoice details that stop money going missing.
Business and freelancersInvoicing in USD, EUR or your local currency
Whoever names the currency on an invoice usually decides who eats the exchange-rate move. How to quote, what to write in the terms, and when to bill locally.
Business and freelancersHedging basics for small businesses
Forward contracts, natural hedging and rate clauses in plain talk, with a worked example of what locking a rate costs and when you can skip it.
Business and freelancersBuying from overseas suppliers: paying in their currency or yours
Which currency to pay in, how deposit and balance timing change your cost, and why duty and VAT are a separate bill. With a landed-cost example.
Business and freelancersReceiving international payments: fees and how to read what landed
Why the amount that lands is lower than the amount sent, who takes each slice, and what to give your payer so fewer slices happen.
Business and freelancersForex exposure for online sellers
Where currency risk hides when you sell on marketplaces: payout conversion, local pricing, rounding and refunds at a different rate, with a worked example.
Business and freelancersTaxes and currency conversion basics
Which exchange rate belongs in your tax records? The shared principle behind HMRC, IRS and CRA guidance, with an example. Not tax advice.
