a black notebook , a pen and dollar cash banknotes on wooden background - concept of financial management or planning, make money

background business money internet office technology paper dollar finance financial notebook budget idea income payment pen plan work blogger blogging budgeting cash flow creative earn expense extra job fee fiction freelance freelancer frugal get paid ghostwriting investing make manage savings novel online orange personal planner retirement saving second selfpublish side hustle black banknotes wooden concept management planning writing