Freelancer grafik Sklep online Kawiarnia Coach / konsultant Cash Flow Health Score: 5/10 📊 EXPENSE BREAKDOWN — Freelance Graphic Designer CATEGORIES: • Software & subscriptions — $187/mo (31%) Adobe CC $55, Figma $15, Slack $8, Notion $16, Canva $13, Dropbox $10, Zoom $15, Loom $12, Grammarly $15, Envato $28 • Marketing — $120/mo (20%) Instagram ads $80, Behance Pro $40 • Education — $89/mo (15%) Skillshare $19, Udemy courses $70 • Equipment/hardware — $60/mo (10%) Monitor lease $60 • Misc — $144/mo (24%) Coffee shop work $60, Client gifts $40, Domain/hosting $24, Accounting software $20 TOTAL: $600/mo 🚨 TOP 3 MONEY LEAKS: 1. SUBSCRIPTION OVERLAP ($68 wasted) You pay for both Canva ($13) AND Adobe CC ($55) AND Envato ($28). Pick one creative suite. Recommendation: drop Canva and Envato, use Adobe CC fully. 2. INSTAGRAM ADS WITH NO TRACKING ($80 at risk) $80/mo on ads with no mention of conversion tracking = likely wasted. Pause until you set up proper UTM tracking and measure ROI. 3. IMPULSE EDUCATION ($70 this month) Udemy courses are often bought and never finished. Switch to one platform only (Skillshare covers most needs at $19). ✂️ 3 CUTS YOU CAN MAKE THIS WEEK: → Cancel Canva + Envato: saves $41/mo → Pause Instagram ads until tracked: saves $80/mo → Cancel Udemy, keep Skillshare: saves $51/mo 💰 POTENTIAL MONTHLY SAVINGS: $172 (29% of current spend)