Doing good work is only half of freelancing. The other half is making sure the money actually reaches you, safely and legally, and keeping records so you know where you stand. This section covers getting paid by local clients, receiving money from clients abroad, and keeping records and dealing with tax.
Why this matters
Freelancers lose money in avoidable ways: releasing final files before checking a payment arrived, trusting a fake alert, using an unlicensed money transfer service, paying unexpected fees, or not knowing at the end of the year how much they earned and spent. Each lesson in this section closes one of those gaps.
Getting paid properly also protects your reputation. Clients trust a freelancer who sends clear invoices and receipts, uses accounts in their own real name and keeps tidy records.
Your money, your accounts
Always receive payment into accounts in your own name: your own mobile money wallet, your own bank account, your own marketplace account. Never ask a client to pay into a friend's account, and never let someone else receive or hold your earnings for you. Accounts in your own name, matching your Ghana Card, avoid problems when you withdraw money or when a provider checks your identity.
What this section covers
- Getting paid by local clients. Mobile money and bank transfers, confirming money has really arrived, receipts and transaction references.
- Receiving money from abroad. The main kinds of route, what to compare, and how to check that a payment or money transfer company is licensed or registered with the Bank of Ghana. This lesson names no companies, because rules and providers change; you will learn how to check instead.