I am a freelance graphic designer (web/print/anything else you can think of). As with a lot of freelancers, I have busy periods and I have quiet periods when the incoming work slows down. Some of this is consistent and expected (some months/quarters are usually busier than others), but other times, it isn't. This leaves me with 2 problems:
Financial. I don't have as much money coming in, meaning I'm either living off of savings or I go without. With a wife and three kids, that isn't always easy. How can I best plan ahead for this?
Productivity. With less work coming in, I have less paid work to do. Should I use the time to get on with some personal projects (that may or may not benefit me financially)? Should I spend the time looking for more clients? Take some time off and get on with the endless list is of DIY that needs doing to my house?