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IRA. I know, I know, I should have maxed it out ; with my earnings, $5,500 was totally doable. But I was simultaneously building my emergency fund, which today is over $10,000. I also paid a little over $500 in monthly health insurance premiums, an expense that would have been much higher — like, thousands of dollars higher — if I hadn’t qualified for that nifty Obamacare subsidy I’m totally not sure I actually qualify for anymore. (Note to self: Call accountant.) Even so, I touched more money this year than I did as a salaried worker, and I didn’t have to count vacation days or go into an office. I also only worked about 25 hours per week on average. I think that calls for some Champagne, don’t you? Want to Start a Freelance Business? Here’s My Advice That #freelancelife isn’t always easy, but it’s worthwhile and totally achievable if you’re dedicated. Here’s what I wish someone had told me before I’d started: 1. Nothing is a sure thing, so don’t spend money you don’t have. Remember how I said I went several weeks without any assignments in Q1? Well, I didn’t go any weeks without having to buy groceries. Freelance clients are often late with payments, and projects are frequently discussed that never come to fruition. There’s no guarantee until there’s a guarantee — and sometimes, not even then . So if at all possible, don’t spend money unless it’s actually physically present in your bank account. (This means you, Q1 Jamie, expensing a trip to Portland on credit.) 2. Take advantage of long-term agreements — even if it means a lower pay rate. Obviously, this rule won’t work in every situation; you’ll need to assess what your work is worth based on your own personal topography of available time and clients. That said, I’m so glad I said yes to that two-cent pay cut, especially since the client in question pays on time and on a weekly basis (bless). These kinds of arrangements can pay dividends in the long run, so don’t overlook them! 3. Say yes as often as possible, at least at the beginning. I definitely took some work that wasn’t really in my wheelhouse in 2017 — including writing an ebook on dating —one that was directed toward helping single men become… more successful in their efforts to… woo women. (Notice I did not write “pick up chicks.” I did everything in my power to try to use the opportunity to de-sleazify the dating scene just a little.) Of course, writing toward the kinds of content you want to pursue is the best way to build the client base and career you want. But when you’re first starting, every penny and byline counts — so don’t be too choosy about who you’ll write for. 4. That said, DON’T WORK FOR FREE. Or if you do, don’t make a habit of it. Yes, you need clips and bylines, but “exposure” doesn’t put food on the table . 5. Just keep swimming pitching. It’s time-intensive and often thankless; you’ll be rejected lots and hear nothing at all even more. But pitching — or whatever the outreach equivalent is in your freelance business of choice — is absolutely essential to expanding your client roster. Although it’s not directly earning you money right now, you should definitely consider it a regular responsibility. Set aside time to do it and count those hours as part of your work week. 6. Separate out your taxes IMMEDIATELY. Just make a whole separate bank account and funnel a third of your earnings directly into it. Consider it Uncle Sam’s money: It doesn’t belong to you, so don’t touch it. Don’t even go there. (Until, of course, quarterlies come up and you get to write four-figure checks to the IRS. Like I said, freelancing’s not all rainbows and unicorns.) 7. Max out your IRA if at all possible. I really, really wish I’d done so this year — and to be honest, I definitely could have if I hadn’t prioritized travel. It’s only $5,500, after all . If you can’t max out your IRA contribution, at least set up automatic weekly withdrawals and factor them into your normal budget. Depending on your income and expenses, even $100 a week can become unnoticeable after a month or two, and you’ll be thanking your younger self when you’re coming up on retirement time. Taking the freelance plunge was scary, but it’s one of the best decisions I’ve ever made — and you can do it, too. Now to see what 2018 will bring. My goal: to gross $60,000, earn at least five new bylines and focus more on fun, creative projects. Good luck, you entrepreneurial Penny Hoarders! *Author’s note: These figures represent total income generated in a given quarter, rather than total income actually received. Another important thing you learn as a freelancer: Even
if your deadline is in June, you might not see the money until August, so always be sure you have a hefty safety cushion! Jamie Cattanach (@jamiecattanach) has written for VinePair, SELF, Ms. Magazine, Roads & Kingdoms, The Write Life, Barclaycard’s Travel Blog, Santander Bank’s Prosper and Thrive and other outlets. Her writing focuses on food, wine, travel and frugality. This was originally published on The Penny Hoarder , which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
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It then sweeps the cash into a savi
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However, Russia is now drafting a b
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It then sweeps the cash into a savi
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--With assistance from Harumi Ichik
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9.11am GMT Some good news! The euro
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Treasuries to a four-year high. The
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Snippet London, 05 February 2018 --
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Client Service: 44 20 7772 5454 Rel
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organisations. That’s it: the net
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Fund to speed up the development of
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accounts opened in the Seychelles a
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Santander Consumer USA Holdings Inc
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Snippet BITCOIN'S price sunk to an
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Snippet Hello and welcome to our la
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Snippet | Herpreet Kaur Grewal news
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Nomura to cut London traders? There
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(Helen Reid) ***** MORNING CALL: SE
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Snippet Description England players
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'Defensively we made a couple of er
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Almagro, 8, CP 28010, Madrid ES0225
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China Construction Bank (Europe). S
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TO SPREAD TO EUROPE (0618 GMT) Good
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Snippet LONDON (Reuters) - British
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than 20,000 active BCAs. Banks can
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(Helen Reid) ***** EURO AREA PMIS C
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Tomorrow's Daily Telegraph front pa
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(Helen Reid) ***** EURO AREA PMIS C
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Snippet The biennial co-located eve
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Over the course of the three-day se
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5 days ago 10 items Taking on Silic
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By WIRED News reports of security f
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Snippet Feb 5 ( ) - Welcome to the
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marketing and general management ro
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Freshfields Bruckhaus Deringer LLP
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Greenhill & Co. International LLP L
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other purpose. We accept no respons
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Snippet Not surprised that we are a
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Snippet Supermarket Income REIT plc
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160 basis points over 3 months LIBO
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agreed RPI-linked rent review in Ma
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conflicts of interest, valuations,
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FINANCIAL STATEMENTS 1. BASIS OF PR
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leases with tenants. The Directors
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Fair value measurement The fair val
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(continued) Valuation techniques an
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Nick Hewson, Chairman of Supermarke
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property costs) in the Period of £
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Investment Activity The Group acqui
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The property is leased to Tesco und
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the identification of excess space
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The Directors confirm that, to the
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2,186 Changes in fair value of inve
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112,544 Equity Share capital 16 1,2
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Issue of redeemable preference shar
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Ordinary shares issued at a premium
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The financial statements are presen
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fair value of the Group's investmen
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3.5 Administrative and other expens
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Bank borrowings are initially recog
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5. Administrative and other expense
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NOTES TO THE FINANCIAL STATEMENTS 9
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Snippet NOT FOR RELEASE, PUBLICATIO
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other than Tesco for providing the
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Canary Wharf London E14 4BB Citigro
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Greenhill & Co. International LLP D
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* As disclosed in the Interim Repor
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Company and Governance * The Compan
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Tulchan Communications +44 (0) 20 7
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egretted calling Bitcoin a "fraud".
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* The Investment Adviser estimates
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of any jurisdiction other than the
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of Tesco plc (the "Company") and it
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information provided to us by or on
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third party servicing. The Company
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Snippet A wintry week ahead for Bri
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The UK delegation included represen
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From elsewhere London's fatberg on
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Snippet NO PARENT would ever forget
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To close the event the award ceremo
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Commission (TRC) should be revisite
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and services related to motorcycles
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Snippet Relief, massive relief. Wha
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not working as well for a law firm,
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Many law firms are trying to automa
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Zacks.com
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crore. Ebitda loss at Rs 1 crore ve
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A report of motor vehicle vandalism
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admirable for the fact that he had
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Purchase First Tennessee Bank Expre
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we ran out of time. After that, I a
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Snippet England beat Italy convinci
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Snippet Home Problems Can not see d
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Y7.6103500761035010.076103500761035
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INDUSTRIES1.92320019281235830.01923
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REP 1/1200 SER 8SUBJ TO XTRO100.01.
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Zealand Dollar 20180204 1.369301000
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Command instead of Control ^ on Mac
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the title of Gamesa. Through the As
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Wells Fargo maintained it with "Buy
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Citibank’s Citi Qantas Prestige V
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Snippet 100,000 Bonus Qantas Points
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“It is good that we built through
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England's lead was cut to only thre
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Snippet Ireland rugby captain Rory
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the central bank remains hesitant t
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“Both players had knee injuries,
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Snippet Quantitative Systematic Str
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BENCH: 16-Luca Bigi, 17-Nicola Quag
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Snippet England are the favourites
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3 Dan Cole (Leicester Tigers 77 cap
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Snippet Johannesburg - A five-day t
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Eddie Jones has taken the bold step
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LA TIMES: 5G BREAKS YOUR DNA AND GI
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Lewis Wind Power have been working
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interconnector was vital. “If the
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Snippet Energy giants hope Scottish
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Capital City Bank Group Company Pro
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UNESCO, further to a proposal from
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increased their patrols around the
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allowed if a product is faulty or n
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Snippet THE announcement of the fir
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“The way you make money is on the
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how much extra money the host count
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Snippet Warren Gatland said he had
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Snippet Here’s a list of land tra
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To Jolie A. Long from Jenda Lee Cot
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dollars. To Rensma Timberlands LP f
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To Aaron Merrill from Paul Lavalley
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Snippet Throughout January there ha
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Triggs, of Ickleton Road, Elmdon, w
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the CCTV clearly shows you went bey
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month. “It (KHRC) is expected to
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time low. The equity recorded a 0.4
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The SIA is working with other agenc
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apparently by selling lots and lots
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e another non-event. Carter Page Vi
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Snippet Itau Corpbanca (NYSE: ITCB)
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Snippet 1) Amazon, Berkshire Hathaw
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§ “These [white nationalists] ar
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They’re the Uber of Southeast Asi
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off. They also demonstrated that th
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Snippet I am presuming that Patrick
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women like Irene Birungi Mugisha, C
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Snippet Posted: Feb. 4, 2018 12:01
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24019, $131,000 01/19/2018. Vaughan
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Last Thursday at Carton House, coac
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ClearConnect Checking - This checki
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Miles Bank of America Online Checki
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Snippet Highlights from the opening
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