There’s nothing better than being your own boss. With flexible hours and the freedom to choose clients and projects, the idea of freelancing has never been more alluring. Having worked a couple of jobs back when I was a student, I felt the perks of having such autonomy. However, I didn’t know about CPF contributions as a self-employed person (SEP) back then. Yep, being self-employed also meant CPF contributions and filing of income taxes. Which is a little troublesome given how manual these processes kind of are. Understanding that the topping up process might be cumbersome to some self-employed individuals, the Government piloted the Contribute-As-You-Earn (CAYE) scheme on 1 Jan 2020.