There are many differences between being a wage earner and being self-employed, but a few of the relevant ones are that your employer pays half of your FICA taxes on your behalf.
A 1099 worker is also considered self-employed worker. You are your own 1-person business in the eyes of the IRS.
Keeping yourself financially accountable can be hard. We live in a world where buying almost anything is as simple as clicking a button. Namu has a list of tricks and tips that can help you stay financially accountable.